Best Cheap Auto Insurance in Independence, WI (2021)

The average Independence, WI auto insurance rates are $253 per month. The minimum auto insurance in Independence is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Independence, Wisconsin, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 average commute length in Independence is 14.7 minutes
  • The most expensive auto insurance company in Independence for teen drivers is Nationwide
  • The cheapest auto insurance company in Independence is American Family

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

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

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

Minimum Auto Insurance in Independence, Wisconsin

Independence, 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 Independence, Wisconsin.

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

Auto insurance rates in Independence, 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 Independence, 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 $2,252 $2,380 $2,073 $2,295 $7,098 $9,113 $2,295 $2,495
American Family $1,012 $1,061 $945 $956 $2,834 $3,137 $1,192 $1,272
Farmers $1,801 $1,804 $1,594 $1,688 $8,672 $9,004 $2,052 $2,155
GEICO $1,383 $1,509 $1,400 $1,575 $4,458 $4,809 $1,283 $1,334
Liberty Mutual $1,757 $1,916 $1,420 $1,610 $5,968 $6,688 $1,870 $2,030
Nationwide $3,880 $4,090 $3,198 $3,376 $7,768 $11,863 $4,706 $5,625
Progressive $2,003 $1,931 $1,639 $1,696 $7,171 $8,127 $2,411 $2,614
State Farm $1,426 $1,426 $1,254 $1,254 $3,889 $4,931 $1,604 $1,828
USAA $1,360 $1,361 $1,228 $1,256 $3,408 $3,962 $1,770 $1,950

Cheap Independence, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Independence, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,098 $9,113
American Family $2,834 $3,137
Farmers $8,672 $9,004
GEICO $4,458 $4,809
Liberty Mutual $5,968 $6,688
Nationwide $7,768 $11,863
Progressive $7,171 $8,127
State Farm $3,889 $4,931
USAA $3,408 $3,962

Cheap Independence, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Independence, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,073 $2,295
American Family $945 $956
Farmers $1,594 $1,688
GEICO $1,400 $1,575
Liberty Mutual $1,420 $1,610
Nationwide $3,198 $3,376
Progressive $1,639 $1,696
State Farm $1,254 $1,254
USAA $1,228 $1,256

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

Annual Independence, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,079 $4,211 $3,922 $3,788
American Family $1,484 $1,574 $1,574 $1,574
Farmers $3,136 $3,961 $3,743 $3,546
GEICO $1,556 $2,490 $2,789 $2,041
Liberty Mutual $2,219 $3,160 $3,280 $2,969
Nationwide $4,703 $5,441 $6,668 $5,441
Progressive $3,166 $3,804 $3,277 $3,548
State Farm $2,036 $2,367 $2,202 $2,202
USAA $1,599 $2,008 $2,717 $1,823

Cheap Independence, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Independence, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,922
American Family $1,574
Farmers $3,743
GEICO $2,789
Liberty Mutual $3,280
Nationwide $6,668
Progressive $3,277
State Farm $2,202
USAA $2,717

Cheap Independence, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Independence, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,926 $3,388 $2,937
American Family $2,076 $1,369 $1,209
Farmers $4,063 $3,438 $3,288
GEICO $2,914 $2,077 $1,666
Liberty Mutual $4,198 $2,532 $1,992
Nationwide $6,255 $5,218 $5,218
Progressive $3,957 $3,319 $3,071
State Farm $3,285 $1,885 $1,435
USAA $3,141 $1,652 $1,317

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Cheap Independence, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Independence, Wisconsin

ZIP Code Average Annual Rates
54747 $2,942

Cheap Independence, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Independence, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,660 $3,840
American Family $1,525 $1,577
Farmers $3,596 $3,596
GEICO $2,171 $2,267
Liberty Mutual $2,907 $2,907
Nationwide $5,563 $5,563
Progressive $3,449 $3,449
State Farm $2,148 $2,255
USAA $2,010 $2,063

Cheap Independence, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Independence, Wisconsin

Insurance Company Low Medium High
Allstate $3,588 $3,741 $3,921
American Family $1,535 $1,565 $1,553
Farmers $3,310 $3,565 $3,914
GEICO $2,106 $2,218 $2,333
Liberty Mutual $2,687 $2,933 $3,101
Nationwide $5,417 $5,561 $5,711
Progressive $3,283 $3,471 $3,593
State Farm $2,098 $2,207 $2,299
USAA $1,962 $2,038 $2,110

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Best By Category: Cheapest Auto Insurance in Independence, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Independence, 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 Independence, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Independence, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,750
American Family $1,551
Farmers $3,596
GEICO $2,219
Liberty Mutual $2,907
Nationwide $5,563
Progressive $3,449
State Farm $2,202
USAA $2,037

What affects auto insurance rates in Independence, Wisconsin?

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

Independence Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Independence, Wisconsin auto theft statistics, there have been 0 auto thefts in the city.

Independence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Independence, Wisconsin commute length is 14.7 minutes according to City-Data.

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Compare Independence, Wisconsin Auto Insurance Quotes

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