Best Cheap Auto Insurance in La Crosse, WI (2021)

The average La Crosse, WI auto insurance rates are $228 per month. The minimum auto insurance in La Crosse is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in La Crosse, 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 average commute length in La Crosse is 15.8 minutes
  • The cheapest auto insurance company in La Crosse is American Family
  • Average auto insurance rates in La Crosse, WI for senior drivers are $1,506 per year

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

Compare auto insurance in La Crosse to other Wisconsin cities, including Janesville auto insurance rates, Waukesha auto insurance rates, and Green Bay auto insurance rates to see how La Crosse, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in La Crosse, Wisconsin

La Crosse, 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 La Crosse, Wisconsin.

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

Auto insurance rates in La Crosse, 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 La Crosse, 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 $2,213 $2,338 $2,038 $2,257 $6,937 $8,913 $2,255 $2,448
American Family $998 $1,042 $957 $957 $3,238 $3,563 $1,203 $1,283
Farmers $1,825 $1,823 $1,616 $1,713 $8,714 $9,024 $2,076 $2,174
GEICO $1,079 $1,198 $1,130 $1,305 $3,648 $3,934 $997 $1,023
Liberty Mutual $1,594 $1,734 $1,286 $1,456 $5,641 $6,318 $1,695 $1,833
Nationwide $3,007 $3,156 $2,501 $2,629 $6,294 $9,680 $3,668 $4,319
Progressive $1,497 $1,429 $1,230 $1,276 $5,654 $6,378 $1,801 $1,954
State Farm $1,386 $1,386 $1,231 $1,231 $3,986 $5,019 $1,564 $1,802
USAA $1,254 $1,246 $1,142 $1,153 $3,263 $3,773 $1,619 $1,768

Cheap La Crosse, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in La Crosse, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,913
American Family $3,238 $3,563
Farmers $8,714 $9,024
GEICO $3,648 $3,934
Liberty Mutual $5,641 $6,318
Nationwide $6,294 $9,680
Progressive $5,654 $6,378
State Farm $3,986 $5,019
USAA $3,263 $3,773

Cheap La Crosse, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in La Crosse, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,257
American Family $957 $957
Farmers $1,616 $1,713
GEICO $1,130 $1,305
Liberty Mutual $1,286 $1,456
Nationwide $2,501 $2,629
Progressive $1,230 $1,276
State Farm $1,231 $1,231
USAA $1,142 $1,153

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

Annual La Crosse, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,022 $4,126 $3,841 $3,710
American Family $1,582 $1,680 $1,680 $1,680
Farmers $3,156 $3,988 $3,770 $3,569
GEICO $1,233 $2,008 $2,324 $1,592
Liberty Mutual $2,054 $2,939 $3,038 $2,748
Nationwide $3,726 $4,310 $5,281 $4,310
Progressive $2,431 $2,939 $2,521 $2,719
State Farm $2,022 $2,379 $2,201 $2,201
USAA $1,488 $1,881 $2,542 $1,698

Cheap La Crosse, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in La Crosse, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,841
American Family $1,680
Farmers $3,770
GEICO $2,324
Liberty Mutual $3,038
Nationwide $5,281
Progressive $2,521
State Farm $2,201
USAA $2,542

Cheap La Crosse, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in La Crosse, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,828 $3,319 $2,878
American Family $2,210 $1,463 $1,293
Farmers $4,091 $3,461 $3,309
GEICO $2,344 $1,676 $1,349
Liberty Mutual $3,876 $2,355 $1,853
Nationwide $4,953 $4,133 $4,133
Progressive $3,020 $2,559 $2,378
State Farm $3,283 $1,884 $1,434
USAA $2,922 $1,548 $1,237

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Cheap La Crosse, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in La Crosse, Wisconsin

ZIP Code Average Annual Rates
54601 $2,656
54603 $2,657

Cheap La Crosse, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in La Crosse, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,587 $3,763
American Family $1,626 $1,684
Farmers $3,621 $3,621
GEICO $1,756 $1,823
Liberty Mutual $2,695 $2,695
Nationwide $4,407 $4,407
Progressive $2,653 $2,653
State Farm $2,148 $2,253
USAA $1,878 $1,927

Cheap La Crosse, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in La Crosse, Wisconsin

Insurance Company Low Medium High
Allstate $3,511 $3,666 $3,848
American Family $1,633 $1,672 $1,661
Farmers $3,338 $3,593 $3,931
GEICO $1,670 $1,789 $1,909
Liberty Mutual $2,495 $2,717 $2,872
Nationwide $4,270 $4,405 $4,545
Progressive $2,505 $2,675 $2,777
State Farm $2,095 $2,206 $2,300
USAA $1,833 $1,904 $1,970

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Best By Category: Cheapest Auto Insurance in La Crosse, Wisconsin

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

Best Annual Auto Insurance Rates by Company in La Crosse, 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 GEICO

The Cheapest La Crosse, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in La Crosse, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,675
American Family $1,655
Farmers $3,621
GEICO $1,789
Liberty Mutual $2,695
Nationwide $4,407
Progressive $2,653
State Farm $2,201
USAA $1,902

What affects auto insurance rates in La Crosse, Wisconsin?

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

La Crosse Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual La Crosse, Wisconsin auto theft statistics, there have been 64 auto thefts in the city.

La Crosse Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average La Crosse, Wisconsin commute length is 15.8 minutes according to City-Data.

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Compare La Crosse, Wisconsin Auto Insurance Quotes

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