Best Cheap Auto Insurance in Niagara, WI (2021)

The average Niagara, WI auto insurance rates are $263 per month. The minimum auto insurance in Niagara is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Niagara, 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 most expensive auto insurance company in Niagara for teen drivers is Nationwide
  • The minimum auto insurance required in Niagara, Wisconsin is 25/50/10
  • Average auto insurance rates in Niagara, WI for senior drivers are $1,773 per year

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

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

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

Minimum Auto Insurance in Niagara, Wisconsin

Niagara, 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 Niagara, Wisconsin.

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

Auto insurance rates in Niagara, 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 Niagara, 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 $2,404 $2,540 $2,212 $2,447 $7,645 $9,785 $2,454 $2,673
American Family $1,002 $1,052 $930 $943 $2,680 $2,970 $1,173 $1,252
Farmers $2,100 $2,102 $1,866 $1,965 $9,617 $9,968 $2,397 $2,535
GEICO $1,346 $1,485 $1,385 $1,583 $4,448 $4,798 $1,246 $1,290
Liberty Mutual $1,837 $2,008 $1,486 $1,690 $6,057 $6,797 $1,955 $2,122
Nationwide $4,260 $4,495 $3,503 $3,701 $8,447 $12,880 $5,161 $6,189
Progressive $1,875 $1,806 $1,532 $1,588 $6,825 $7,731 $2,262 $2,466
State Farm $1,469 $1,469 $1,282 $1,282 $3,860 $4,910 $1,649 $1,873
USAA $1,377 $1,374 $1,247 $1,269 $3,509 $4,070 $1,788 $1,963

Cheap Niagara, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Niagara, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,645 $9,785
American Family $2,680 $2,970
Farmers $9,617 $9,968
GEICO $4,448 $4,798
Liberty Mutual $6,057 $6,797
Nationwide $8,447 $12,880
Progressive $6,825 $7,731
State Farm $3,860 $4,910
USAA $3,509 $4,070

Cheap Niagara, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Niagara, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,212 $2,447
American Family $930 $943
Farmers $1,866 $1,965
GEICO $1,385 $1,583
Liberty Mutual $1,486 $1,690
Nationwide $3,503 $3,701
Progressive $1,532 $1,588
State Farm $1,282 $1,282
USAA $1,247 $1,269

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

Annual Niagara, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,289 $4,515 $4,208 $4,068
American Family $1,435 $1,522 $1,522 $1,522
Farmers $3,556 $4,473 $4,221 $4,025
GEICO $1,527 $2,465 $2,806 $1,992
Liberty Mutual $2,293 $3,248 $3,378 $3,059
Nationwide $5,139 $5,945 $7,288 $5,945
Progressive $2,992 $3,600 $3,097 $3,354
State Farm $2,067 $2,382 $2,224 $2,224
USAA $1,625 $2,048 $2,771 $1,855

Cheap Niagara, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Niagara, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,208
American Family $1,522
Farmers $4,221
GEICO $2,806
Liberty Mutual $3,378
Nationwide $7,288
Progressive $3,097
State Farm $2,224
USAA $2,771

Cheap Niagara, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Niagara, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,286 $3,632 $3,142
American Family $2,007 $1,324 $1,170
Farmers $4,611 $3,881 $3,713
GEICO $2,886 $2,057 $1,651
Liberty Mutual $4,326 $2,604 $2,053
Nationwide $6,835 $5,701 $5,701
Progressive $3,735 $3,139 $2,908
State Farm $3,318 $1,904 $1,450
USAA $3,196 $1,684 $1,344

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Cheap Niagara, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Niagara, Wisconsin

ZIP Code Average Annual Rates
54151 $3,069

Cheap Niagara, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Niagara, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,923 $4,117
American Family $1,475 $1,525
Farmers $4,069 $4,069
GEICO $2,151 $2,244
Liberty Mutual $2,994 $2,994
Nationwide $6,079 $6,079
Progressive $3,261 $3,261
State Farm $2,171 $2,277
USAA $2,048 $2,102

Cheap Niagara, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Niagara, Wisconsin

Insurance Company Low Medium High
Allstate $3,858 $4,010 $4,191
American Family $1,487 $1,513 $1,501
Farmers $3,805 $4,041 $4,360
GEICO $2,061 $2,196 $2,336
Liberty Mutual $2,764 $3,022 $3,197
Nationwide $5,929 $6,077 $6,231
Progressive $3,122 $3,279 $3,381
State Farm $2,130 $2,229 $2,313
USAA $1,999 $2,077 $2,149

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Best By Category: Cheapest Auto Insurance in Niagara, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Niagara, Wisconsin

Insurance Company Average Annual Rates
Allstate $4,020
American Family $1,500
Farmers $4,069
GEICO $2,198
Liberty Mutual $2,994
Nationwide $6,079
Progressive $3,261
State Farm $2,224
USAA $2,075

What affects auto insurance rates in Niagara, Wisconsin?

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

Niagara Auto Theft

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

Niagara Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Niagara, Wisconsin commute length is 17.7 minutes according to City-Data.

Niagara Traffic

How does Niagara, Wisconsin rank for traffic? According to Inrix Niagara, Wisconsin is the 741st most congested worldwide.

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Compare Niagara, Wisconsin Auto Insurance Quotes

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