Best Cheap Auto Insurance in Germantown, WI (2021)

The average Germantown, WI auto insurance rates are $237 per month. The minimum auto insurance in Germantown is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Germantown, Wisconsin, compare quotes from multiple companies.

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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Germantown for teen drivers is Farmers
  • The minimum auto insurance required in Germantown, Wisconsin is 25/50/10
  • Average auto insurance rates in Germantown, WI for senior drivers are $1,534 per year

Germantown, Wisconsin auto insurance requirements are 25/50/10 according to Wisconsin auto insurance laws. Finding cheap auto insurance in Germantown 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 Germantown, Wisconsin, including driving record, credit, commute time, and more.

Compare auto insurance in Germantown to other Wisconsin cities, including Kenosha auto insurance rates, Green Bay auto insurance rates, and Eau Claire auto insurance rates to see how Germantown, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Germantown, Wisconsin

Germantown, 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 Germantown, Wisconsin.

Minimum Required Auto Insurance Coverage in Germantown, 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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Cheap Germantown, Wisconsin Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Germantown, 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 Germantown, 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 $2,171 $2,272 $2,026 $2,231 $7,591 $9,730 $2,176 $2,354
American Family $917 $955 $886 $888 $3,041 $3,330 $1,097 $1,165
Farmers $1,808 $1,806 $1,596 $1,700 $8,988 $9,319 $2,054 $2,137
GEICO $1,137 $1,273 $1,213 $1,422 $3,947 $4,250 $1,048 $1,067
Liberty Mutual $1,817 $1,975 $1,461 $1,657 $6,847 $7,676 $1,927 $2,075
Nationwide $2,960 $3,104 $2,474 $2,598 $6,304 $9,723 $3,620 $4,240
Progressive $1,640 $1,535 $1,347 $1,418 $6,681 $7,501 $1,958 $2,119
State Farm $1,381 $1,381 $1,251 $1,251 $4,259 $5,354 $1,565 $1,797
USAA $1,199 $1,188 $1,098 $1,104 $3,164 $3,641 $1,543 $1,678

Cheap Germantown, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Germantown, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,591 $9,730
American Family $3,041 $3,330
Farmers $8,988 $9,319
GEICO $3,947 $4,250
Liberty Mutual $6,847 $7,676
Nationwide $6,304 $9,723
Progressive $6,681 $7,501
State Farm $4,259 $5,354
USAA $3,164 $3,641

Cheap Germantown, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Germantown, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,026 $2,231
American Family $886 $888
Farmers $1,596 $1,700
GEICO $1,213 $1,422
Liberty Mutual $1,461 $1,657
Nationwide $2,474 $2,598
Progressive $1,347 $1,418
State Farm $1,251 $1,251
USAA $1,098 $1,104

Cheap Germantown, 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 Germantown, Wisconsin compared to the annual auto insurance rates with a clean record in Germantown, Wisconsin.

Annual Germantown, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,083 $4,281 $4,031 $3,880
American Family $1,468 $1,557 $1,557 $1,557
Farmers $3,197 $4,055 $3,837 $3,613
GEICO $1,308 $2,155 $2,535 $1,681
Liberty Mutual $2,412 $3,485 $3,582 $3,238
Nationwide $3,703 $4,282 $5,246 $4,282
Progressive $2,760 $3,378 $2,876 $3,085
State Farm $2,076 $2,483 $2,280 $2,280
USAA $1,427 $1,808 $2,444 $1,629

Cheap Germantown, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Germantown, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,031
American Family $1,557
Farmers $3,837
GEICO $2,535
Liberty Mutual $3,582
Nationwide $5,246
Progressive $2,876
State Farm $2,280
USAA $2,444

Cheap Germantown, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Germantown, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,005 $3,449 $3,002
American Family $2,057 $1,354 $1,194
Farmers $4,142 $3,521 $3,364
GEICO $2,517 $1,797 $1,445
Liberty Mutual $4,567 $2,786 $2,185
Nationwide $4,921 $4,107 $4,107
Progressive $3,407 $2,930 $2,737
State Farm $3,402 $1,952 $1,486
USAA $2,790 $1,493 $1,198

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Cheap Germantown, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Germantown, Wisconsin

ZIP Code Average Annual Rates
53022 $2,775
53076 $2,815

Cheap Germantown, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Germantown, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,727 $3,911
American Family $1,508 $1,561
Farmers $3,676 $3,676
GEICO $1,885 $1,954
Liberty Mutual $3,179 $3,179
Nationwide $4,378 $4,378
Progressive $3,025 $3,025
State Farm $2,222 $2,337
USAA $1,804 $1,850

Cheap Germantown, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Germantown, Wisconsin

Insurance Company Low Medium High
Allstate $3,645 $3,809 $4,002
American Family $1,507 $1,550 $1,548
Farmers $3,347 $3,644 $4,037
GEICO $1,767 $1,921 $2,071
Liberty Mutual $2,891 $3,207 $3,440
Nationwide $4,221 $4,378 $4,536
Progressive $2,783 $3,056 $3,235
State Farm $2,126 $2,290 $2,424
USAA $1,751 $1,829 $1,901

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Best By Category: Cheapest Auto Insurance in Germantown, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Germantown, 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

The Cheapest Germantown, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Germantown, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,819
American Family $1,535
Farmers $3,676
GEICO $1,920
Liberty Mutual $3,179
Nationwide $4,378
Progressive $3,025
State Farm $2,280
USAA $1,827

What affects auto insurance rates in Germantown, Wisconsin?

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

Germantown Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Germantown, Wisconsin auto theft statistics, there have been 6 auto thefts in the city.

Germantown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Germantown, Wisconsin commute length is 21.6 minutes according to City-Data.

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Compare Germantown, Wisconsin Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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