Best Cheap Auto Insurance in Lancaster, WI (2021)

The average Lancaster, WI auto insurance rates are $240 per month. The minimum auto insurance in Lancaster is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Lancaster, 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 cheapest auto insurance company in Lancaster is American Family
  • The minimum auto insurance required in Lancaster, Wisconsin is 25/50/10
  • The most expensive auto insurance company in Lancaster for teen drivers is Nationwide

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

Compare auto insurance in Lancaster to other Wisconsin cities, including Racine auto insurance rates, Milwaukee auto insurance rates, and Eau Claire auto insurance rates to see how Lancaster, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Lancaster, Wisconsin

Lancaster, 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 Lancaster, Wisconsin.

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

Auto insurance rates in Lancaster, 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 Lancaster, 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 $2,284 $2,413 $2,103 $2,327 $7,214 $9,254 $2,328 $2,531
American Family $938 $980 $883 $890 $2,684 $2,960 $1,107 $1,179
Farmers $1,841 $1,839 $1,637 $1,732 $8,463 $8,739 $2,085 $2,185
GEICO $1,260 $1,382 $1,287 $1,459 $4,114 $4,438 $1,167 $1,210
Liberty Mutual $1,729 $1,888 $1,398 $1,587 $5,815 $6,520 $1,841 $1,999
Nationwide $3,662 $3,859 $3,030 $3,196 $7,449 $11,409 $4,454 $5,300
Progressive $1,602 $1,530 $1,311 $1,364 $6,081 $6,866 $1,931 $2,110
State Farm $1,246 $1,246 $1,105 $1,105 $3,542 $4,470 $1,405 $1,610
USAA $1,368 $1,365 $1,238 $1,259 $3,492 $4,054 $1,776 $1,949

Cheap Lancaster, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lancaster, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,214 $9,254
American Family $2,684 $2,960
Farmers $8,463 $8,739
GEICO $4,114 $4,438
Liberty Mutual $5,815 $6,520
Nationwide $7,449 $11,409
Progressive $6,081 $6,866
State Farm $3,542 $4,470
USAA $3,492 $4,054

Cheap Lancaster, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lancaster, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,103 $2,327
American Family $883 $890
Farmers $1,637 $1,732
GEICO $1,287 $1,459
Liberty Mutual $1,398 $1,587
Nationwide $3,030 $3,196
Progressive $1,311 $1,364
State Farm $1,105 $1,105
USAA $1,238 $1,259

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

Annual Lancaster, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,123 $4,274 $3,982 $3,847
American Family $1,390 $1,473 $1,473 $1,473
Farmers $3,109 $3,919 $3,712 $3,521
GEICO $1,424 $2,289 $2,588 $1,859
Liberty Mutual $2,176 $3,092 $3,212 $2,908
Nationwide $4,476 $5,178 $6,347 $5,178
Progressive $2,610 $3,158 $2,706 $2,923
State Farm $1,809 $2,123 $1,966 $1,966
USAA $1,616 $2,036 $2,756 $1,843

Cheap Lancaster, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lancaster, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,982
American Family $1,473
Farmers $3,712
GEICO $2,588
Liberty Mutual $3,212
Nationwide $6,347
Progressive $2,706
State Farm $1,966
USAA $2,756

Cheap Lancaster, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lancaster, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,003 $3,438 $2,979
American Family $1,943 $1,282 $1,133
Farmers $4,041 $3,401 $3,253
GEICO $2,676 $1,910 $1,534
Liberty Mutual $4,113 $2,478 $1,951
Nationwide $5,953 $4,966 $4,966
Progressive $3,245 $2,749 $2,554
State Farm $2,932 $1,684 $1,282
USAA $3,181 $1,673 $1,334

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Cheap Lancaster, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lancaster, Wisconsin

ZIP Code Average Annual Rates
53813 $2,795

Cheap Lancaster, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lancaster, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,715 $3,898
American Family $1,428 $1,477
Farmers $3,565 $3,565
GEICO $1,997 $2,083
Liberty Mutual $2,847 $2,847
Nationwide $5,295 $5,295
Progressive $2,849 $2,849
State Farm $1,919 $2,014
USAA $2,036 $2,089

Cheap Lancaster, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lancaster, Wisconsin

Insurance Company Low Medium High
Allstate $3,643 $3,797 $3,980
American Family $1,438 $1,466 $1,454
Farmers $3,307 $3,540 $3,849
GEICO $1,927 $2,039 $2,154
Liberty Mutual $2,631 $2,870 $3,039
Nationwide $5,141 $5,295 $5,449
Progressive $2,714 $2,868 $2,965
State Farm $1,867 $1,971 $2,060
USAA $1,991 $2,064 $2,133

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Best By Category: Cheapest Auto Insurance in Lancaster, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Lancaster, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,807
American Family $1,453
Farmers $3,565
GEICO $2,040
Liberty Mutual $2,847
Nationwide $5,295
Progressive $2,849
State Farm $1,966
USAA $2,063

What affects auto insurance rates in Lancaster, Wisconsin?

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

Lancaster Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lancaster, Wisconsin auto theft statistics, there have been 1 auto thefts in the city.

Lancaster Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lancaster, Wisconsin commute length is 21.4 minutes according to City-Data.

Lancaster Traffic

How does Lancaster, Wisconsin rank for traffic? According to Inrix Lancaster, Wisconsin is the 297th most congested worldwide.

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Compare Lancaster, Wisconsin Auto Insurance Quotes

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