Best Cheap Auto Insurance in Ephraim, WI (2021)

The average Ephraim, WI auto insurance rates are $224 per month. The minimum auto insurance in Ephraim is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Ephraim, Wisconsin, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Ephraim for teen drivers is Farmers
  • The minimum auto insurance required in Ephraim, Wisconsin is 25/50/10
  • The average commute length in Ephraim is 6.7 minutes

Ephraim, Wisconsin auto insurance requirements are 25/50/10 according to Wisconsin auto insurance laws. Finding cheap auto insurance in Ephraim can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ephraim, Wisconsin, including driving record, credit, commute time, and more.

Compare auto insurance in Ephraim to other Wisconsin cities, including Oshkosh auto insurance rates, Appleton auto insurance rates, and Madison auto insurance rates to see how Ephraim, Wisconsin auto insurance rates stack up.

Before you buy Ephraim, Wisconsin auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ephraim, Wisconsin auto insurance quotes.

Minimum Auto Insurance in Ephraim, Wisconsin

Ephraim, Wisconsin auto insurance laws require that you have at least the Wisconsin minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ephraim, Wisconsin.

Minimum Required Auto Insurance Coverage in Ephraim, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Ephraim, Wisconsin Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ephraim, Wisconsin are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ephraim, 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 $2,055 $2,161 $1,906 $2,101 $6,759 $8,652 $2,078 $2,251
American Family $822 $857 $781 $788 $2,338 $2,570 $960 $1,019
Farmers $1,922 $1,920 $1,702 $1,809 $9,305 $9,631 $2,181 $2,273
GEICO $1,117 $1,236 $1,166 $1,343 $3,715 $4,000 $1,032 $1,060
Liberty Mutual $1,837 $2,008 $1,486 $1,690 $6,057 $6,797 $1,955 $2,122
Nationwide $3,080 $3,241 $2,561 $2,697 $6,388 $9,817 $3,756 $4,442
Progressive $1,475 $1,396 $1,208 $1,266 $5,784 $6,513 $1,767 $1,919
State Farm $1,121 $1,121 $999 $999 $3,217 $4,066 $1,264 $1,442
USAA $1,217 $1,212 $1,108 $1,122 $3,129 $3,618 $1,574 $1,721

Cheap Ephraim, Wisconsin Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ephraim, Wisconsin is a challenge. Take a look at the annual teen auto insurance rates in Ephraim, Wisconsin.

Annual Auto Insurance Rates for Teen Drivers in Ephraim, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,759 $8,652
American Family $2,338 $2,570
Farmers $9,305 $9,631
GEICO $3,715 $4,000
Liberty Mutual $6,057 $6,797
Nationwide $6,388 $9,817
Progressive $5,784 $6,513
State Farm $3,217 $4,066
USAA $3,129 $3,618

Cheap Ephraim, Wisconsin Auto Insurance for Seniors

What are senior auto insurance rates in Ephraim, Wisconsin? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ephraim, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,906 $2,101
American Family $781 $788
Farmers $1,702 $1,809
GEICO $1,166 $1,343
Liberty Mutual $1,486 $1,690
Nationwide $2,561 $2,697
Progressive $1,208 $1,266
State Farm $999 $999
USAA $1,108 $1,122

Cheap Ephraim, Wisconsin Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ephraim, Wisconsin compared to the annual auto insurance rates with a clean record in Ephraim, Wisconsin.

Annual Ephraim, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,851 $3,917 $3,670 $3,544
American Family $1,215 $1,284 $1,284 $1,284
Farmers $3,345 $4,235 $4,009 $3,783
GEICO $1,270 $2,055 $2,364 $1,645
Liberty Mutual $2,293 $3,248 $3,378 $3,059
Nationwide $3,803 $4,399 $5,390 $4,399
Progressive $2,438 $2,965 $2,534 $2,727
State Farm $1,634 $1,923 $1,779 $1,779
USAA $1,439 $1,816 $2,454 $1,642

Cheap Ephraim, Wisconsin Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ephraim, Wisconsin is not easy. Compare the annual rates for DUI auto insurance in Ephraim, Wisconsin to find the best deal.

Annual Auto Insurance Rates After a DUI in Ephraim, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,670
American Family $1,284
Farmers $4,009
GEICO $2,364
Liberty Mutual $3,378
Nationwide $5,390
Progressive $2,534
State Farm $1,779
USAA $2,454

Cheap Ephraim, Wisconsin Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ephraim, Wisconsin annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Ephraim, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,580 $3,159 $2,748
American Family $1,706 $1,113 $982
Farmers $4,340 $3,676 $3,514
GEICO $2,402 $1,717 $1,381
Liberty Mutual $4,326 $2,604 $2,053
Nationwide $5,056 $4,219 $4,219
Progressive $3,021 $2,577 $2,400
State Farm $2,652 $1,524 $1,161
USAA $2,818 $1,497 $1,198

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Ephraim, Wisconsin Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ephraim, Wisconsin can vary. Compare the annual cost of auto insurance by ZIP code in Ephraim, Wisconsin to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ephraim, Wisconsin

ZIP Code Average Annual Rates
54211 $2,626

Cheap Ephraim, Wisconsin Auto Insurance Rates By Commute

Commute length and annual mileage affect Ephraim, Wisconsin auto insurance. Find the cheapest annual Ephraim, Wisconsin auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ephraim, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,412 $3,579
American Family $1,246 $1,288
Farmers $3,843 $3,843
GEICO $1,797 $1,870
Liberty Mutual $2,994 $2,994
Nationwide $4,498 $4,498
Progressive $2,666 $2,666
State Farm $1,734 $1,823
USAA $1,814 $1,861

Cheap Ephraim, Wisconsin Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ephraim, Wisconsin? Check out the comparison of annual Ephraim, Wisconsin auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ephraim, Wisconsin

Insurance Company Low Medium High
Allstate $3,353 $3,487 $3,646
American Family $1,248 $1,277 $1,275
Farmers $3,520 $3,811 $4,197
GEICO $1,704 $1,832 $1,965
Liberty Mutual $2,764 $3,022 $3,197
Nationwide $4,355 $4,499 $4,639
Progressive $2,490 $2,688 $2,820
State Farm $1,675 $1,784 $1,877
USAA $1,766 $1,839 $1,908

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Ephraim, Wisconsin

Compare the cheapest auto insurance companies in Ephraim, Wisconsin in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ephraim, Wisconsin

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

The Cheapest Ephraim, Wisconsin Auto Insurance Companies

What auto insurance companies in Ephraim, Wisconsin are the cheapest? Compare the top Ephraim, Wisconsin auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ephraim, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,495
American Family $1,267
Farmers $3,843
GEICO $1,834
Liberty Mutual $2,994
Nationwide $4,498
Progressive $2,666
State Farm $1,779
USAA $1,838

What affects auto insurance rates in Ephraim, Wisconsin?

There are a lot of reasons why auto insurance rates in Ephraim, Wisconsin are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ephraim, Wisconsin. Many local factors may affect your Ephraim auto insurance rates.

Ephraim Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ephraim, Wisconsin commute length is 6.7 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Ephraim, Wisconsin Auto Insurance Quotes

Before you buy Ephraim, Wisconsin auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ephraim, Wisconsin auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption