Best Cheap Auto Insurance in Oshkosh, WI (2021)

The average Oshkosh, WI auto insurance rates are $217 per month. The minimum auto insurance in Oshkosh is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Oshkosh, 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: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Oshkosh, Wisconsin is 25/50/10
  • The average commute length in Oshkosh is 17.1 minutes
  • The most expensive auto insurance company in Oshkosh for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Oshkosh, Wisconsin

Oshkosh, 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 Oshkosh, Wisconsin.

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

Auto insurance rates in Oshkosh, 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 Oshkosh, 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 $2,160 $2,262 $2,016 $2,226 $7,443 $9,600 $2,164 $2,335
American Family $843 $876 $813 $816 $2,669 $2,919 $998 $1,058
Farmers $1,683 $1,681 $1,488 $1,582 $8,189 $8,480 $1,911 $1,994
GEICO $960 $1,074 $1,031 $1,217 $3,292 $3,533 $885 $895
Liberty Mutual $1,599 $1,746 $1,293 $1,472 $5,452 $6,122 $1,697 $1,836
Nationwide $2,917 $3,061 $2,442 $2,565 $6,243 $9,641 $3,573 $4,181
Progressive $1,418 $1,332 $1,166 $1,223 $5,708 $6,411 $1,696 $1,834
State Farm $1,253 $1,253 $1,131 $1,131 $3,809 $4,792 $1,418 $1,627
USAA $1,135 $1,127 $1,041 $1,049 $2,959 $3,402 $1,461 $1,592

Cheap Oshkosh, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oshkosh, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,443 $9,600
American Family $2,669 $2,919
Farmers $8,189 $8,480
GEICO $3,292 $3,533
Liberty Mutual $5,452 $6,122
Nationwide $6,243 $9,641
Progressive $5,708 $6,411
State Farm $3,809 $4,792
USAA $2,959 $3,402

Cheap Oshkosh, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oshkosh, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,016 $2,226
American Family $813 $816
Farmers $1,488 $1,582
GEICO $1,031 $1,217
Liberty Mutual $1,293 $1,472
Nationwide $2,442 $2,565
Progressive $1,166 $1,223
State Farm $1,131 $1,131
USAA $1,041 $1,049

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

Annual Oshkosh, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,064 $4,237 $3,979 $3,823
American Family $1,316 $1,394 $1,394 $1,394
Farmers $2,939 $3,721 $3,520 $3,323
GEICO $1,102 $1,803 $2,127 $1,411
Liberty Mutual $2,028 $2,885 $2,989 $2,706
Nationwide $3,660 $4,233 $5,186 $4,233
Progressive $2,374 $2,897 $2,471 $2,652
State Farm $1,872 $2,232 $2,052 $2,052
USAA $1,346 $1,702 $2,298 $1,537

Cheap Oshkosh, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oshkosh, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,979
American Family $1,394
Farmers $3,520
GEICO $2,127
Liberty Mutual $2,989
Nationwide $5,186
Progressive $2,471
State Farm $2,052
USAA $2,298

Cheap Oshkosh, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oshkosh, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,955 $3,406 $2,966
American Family $1,845 $1,210 $1,068
Farmers $3,811 $3,230 $3,087
GEICO $2,106 $1,509 $1,216
Liberty Mutual $3,823 $2,312 $1,822
Nationwide $4,865 $4,060 $4,060
Progressive $2,931 $2,516 $2,348
State Farm $3,060 $1,757 $1,338
USAA $2,620 $1,409 $1,133

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Cheap Oshkosh, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oshkosh, Wisconsin

ZIP Code Average Annual Rates
54901 $2,566
54902 $2,555
54904 $2,541

Cheap Oshkosh, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oshkosh, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,685 $3,866
American Family $1,351 $1,397
Farmers $3,376 $3,376
GEICO $1,581 $1,641
Liberty Mutual $2,652 $2,652
Nationwide $4,328 $4,328
Progressive $2,598 $2,598
State Farm $2,000 $2,103
USAA $1,699 $1,743

Cheap Oshkosh, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oshkosh, Wisconsin

Insurance Company Low Medium High
Allstate $3,567 $3,764 $3,996
American Family $1,350 $1,387 $1,385
Farmers $3,092 $3,348 $3,688
GEICO $1,463 $1,610 $1,759
Liberty Mutual $2,417 $2,677 $2,862
Nationwide $4,169 $4,327 $4,487
Progressive $2,403 $2,626 $2,766
State Farm $1,918 $2,060 $2,177
USAA $1,643 $1,722 $1,797

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Best By Category: Cheapest Auto Insurance in Oshkosh, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Oshkosh, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,776
American Family $1,374
Farmers $3,376
GEICO $1,611
Liberty Mutual $2,652
Nationwide $4,328
Progressive $2,598
State Farm $2,052
USAA $1,721

What affects auto insurance rates in Oshkosh, Wisconsin?

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

Oshkosh Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Oshkosh, Wisconsin auto theft statistics, there have been 68 auto thefts in the city.

Oshkosh Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oshkosh, Wisconsin commute length is 17.1 minutes according to City-Data.

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Compare Oshkosh, Wisconsin Auto Insurance Quotes

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