Cheap Quotes for Waukesha, WI Car Insurance (2021)

Waukesha, Wisconsin car insurance rates average $231 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Waukesha, WI companies, you can find cheap Waukesha car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Waukesha, WI for senior drivers are $1,499/year
  • Waukesha has an average commute time of 21.7 minutes
  • Average car insurance rates in Waukesha, WI after a DUI are $3,075/year

How do the Waukesha, Wisconsin monthly average car insurance rates of $231/month compare to nearby cities like Milwaukee car insurance rates, Madison car insurance rates, and Green Bay car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Waukesha, WI.

We’ll cover the Wisconsin minimum coverage requirements, Wisconsin car insurance laws, and Waukesha, WI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Waukesha, Wisconsin companies to find the most affordable Waukesha car insurance rates.

Enter your ZIP code above to find cheap Waukesha, WI car insurance quotes today.

What are the minimum Waukesha, WI car insurance requirements?

To meet Wisconsin minimum car insurance coverage requirements, Waukesha, WI drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Waukesha, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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How do age, gender, and marital status affect Waukesha, WI car insurance rates?

Three of the criteria that most affect car insurance rates in Waukesha, Wisconsin are age, gender, and marital status. Let’s take a look at how each of these stack up with top Waukesha car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waukesha, Wisconsin

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,182 $2,281 $2,039 $2,246 $7,693 $9,877 $2,183 $2,360
American Family $862 $896 $841 $840 $2,933 $3,202 $1,033 $1,096
Farmers $1,817 $1,811 $1,604 $1,709 $9,054 $9,371 $2,070 $2,153
GEICO $1,190 $1,337 $1,286 $1,524 $4,162 $4,471 $1,095 $1,106
Liberty Mutual $1,587 $1,729 $1,281 $1,454 $5,627 $6,311 $1,685 $1,821
Nationwide $2,945 $3,078 $2,474 $2,591 $6,458 $10,005 $3,615 $4,193
Progressive $1,488 $1,392 $1,222 $1,288 $6,100 $6,844 $1,777 $1,923
State Farm $1,310 $1,310 $1,186 $1,186 $4,046 $5,083 $1,485 $1,708
USAA $1,205 $1,194 $1,105 $1,110 $3,189 $3,667 $1,550 $1,685

How much do teen drivers pay for car insurance in Waukesha, WI?

Waukesha, Wisconsin car insurance rates for teens are often higher than rates for other drivers. Compare Waukesha car insurance rates from multiple Waukesha, Wisconsin car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Waukesha, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $9,877
American Family $2,933 $3,202
Farmers $9,054 $9,371
GEICO $4,162 $4,471
Liberty Mutual $5,627 $6,311
Nationwide $6,458 $10,005
Progressive $6,100 $6,844
State Farm $4,046 $5,083
USAA $3,189 $3,667

How much do senior drivers pay for car insurance in Waukesha, WI?

With a little research, seniors can find affordable car insurance in Waukesha, Wisconsin. Here’s a look at how the top Waukesha car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Waukesha, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,039 $2,246
American Family $841 $840
Farmers $1,604 $1,709
GEICO $1,286 $1,524
Liberty Mutual $1,281 $1,454
Nationwide $2,474 $2,591
Progressive $1,222 $1,288
State Farm $1,186 $1,186
USAA $1,105 $1,110

How does coverage level affect Waukesha, WI car insurance rates?

How much coverage do you need? Are you comfortable with the Wisconsin minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Waukesha, WI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Waukesha, Wisconsin

Insurance Company Low Medium High
Allstate $3,668 $3,847 $4,058
American Family $1,434 $1,478 $1,477
Farmers $3,377 $3,670 $4,049
GEICO $1,835 $2,021 $2,209
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,247 $4,420 $4,593
Progressive $2,534 $2,783 $2,945
State Farm $2,021 $2,173 $2,299
USAA $1,760 $1,840 $1,915

How does your driving record affect Waukesha, WI car insurance rates?

Safe driving pays off. The more traffic violations you have in Waukesha, WI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Waukesha, Wisconsin companies.

Annual Waukesha, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,111 $4,326 $4,075 $3,918
American Family $1,400 $1,484 $1,484 $1,484
Farmers $3,218 $4,085 $3,856 $3,634
GEICO $1,371 $2,267 $2,690 $1,759
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,738 $4,323 $5,296 $4,323
Progressive $2,513 $3,076 $2,619 $2,808
State Farm $1,971 $2,358 $2,164 $2,164
USAA $1,435 $1,820 $2,459 $1,639

How does a DUI affect Waukesha, WI car insurance rates?

With even one DUI on your record, you can see an increase in your Waukesha, WI car insurance rates.

Annual Car Insurance Rates After a DUI in Waukesha, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,075
American Family $1,484
Farmers $3,856
GEICO $2,690
Liberty Mutual $3,028
Nationwide $5,296
Progressive $2,619
State Farm $2,164
USAA $2,459

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How does your credit history affect Waukesha, WI car insurance rates?

Take a look at the data here to see how your Waukesha, Wisconsin car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Waukesha, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,058 $3,483 $3,032
American Family $1,962 $1,290 $1,137
Farmers $4,166 $3,544 $3,386
GEICO $2,652 $1,892 $1,520
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $4,968 $4,146 $4,146
Progressive $3,100 $2,669 $2,494
State Farm $3,229 $1,853 $1,411
USAA $2,805 $1,503 $1,207

How does your commute affect Waukesha, WI car insurance rates?

Waukesha, WI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Wisconsin can be seen here. Remember, though, that you may have to carry substantially more car insurance in Waukesha if you’re financing.

Annual Car Insurance Rates by Commute Length in Waukesha, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,765 $3,951
American Family $1,438 $1,488
Farmers $3,698 $3,698
GEICO $1,985 $2,058
Liberty Mutual $2,687 $2,687
Nationwide $4,420 $4,420
Progressive $2,754 $2,754
State Farm $2,110 $2,219
USAA $1,815 $1,862

Who has the cheapest Waukesha, WI car insurance rates?

Here’s a breakdown of Waukesha, Wisconsin car insurance rates by company. You can see which company offers the cheapest Waukesha car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Waukesha, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

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What are the top Waukesha, WI car insurance companies?

Which Waukesha, Wisconsin car insurance company will best fit your needs and budget? Check out this comparison of the top Waukesha companies to find the one for you.

Average Annual Car Insurance Rates by Company in Waukesha, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,858
American Family $1,463
Farmers $3,698
GEICO $2,022
Liberty Mutual $2,687
Nationwide $4,420
Progressive $2,754
State Farm $2,164
USAA $1,838

What factors affect Waukesha, WI car insurance rates?

Why are Waukesha, Wisconsin car insurance rates different than rates in Milwaukee or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Waukesha, WI?

FBI statistics show that the Waukesha, Wisconsin car theft rate is 49 thefts each year. High theft rates can lead to higher than average Waukesha, WI car insurance rates.

How long is the average commute in Waukesha, WI?

More time spent behind the wheel can lead to higher Waukesha, Wisconsin car insurance rates. In Waukesha, WI, the average commute length is 21.7 minutes.

Car Insurance Quotes for Waukesha, WI

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