Best Cheap Auto Insurance in Saint Cloud, WI (2021)

The average Saint Cloud, WI auto insurance rates are $227 per month. The minimum auto insurance in Saint Cloud is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Saint Cloud, 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 17, 2021

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Things to Remember

  • Average auto insurance rates in Saint Cloud, WI for senior drivers are $1,488 per year
  • The cheapest auto insurance company in Saint Cloud is American Family
  • The minimum auto insurance required in Saint Cloud, Wisconsin is 25/50/10

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

Compare auto insurance in Saint Cloud to other Wisconsin cities, including Madison auto insurance rates, Kenosha auto insurance rates, and Waukesha auto insurance rates to see how Saint Cloud, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Saint Cloud, Wisconsin

Saint Cloud, 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 Saint Cloud, Wisconsin.

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

Auto insurance rates in Saint Cloud, 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 Saint Cloud, 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 $2,020 $2,124 $1,872 $2,063 $6,583 $8,421 $2,045 $2,217
American Family $901 $940 $856 $863 $2,678 $2,947 $1,063 $1,131
Farmers $1,770 $1,768 $1,566 $1,663 $8,570 $8,876 $2,012 $2,101
GEICO $1,165 $1,291 $1,222 $1,417 $3,903 $4,198 $1,076 $1,102
Liberty Mutual $1,866 $2,028 $1,501 $1,698 $6,794 $7,602 $1,987 $2,150
Nationwide $3,029 $3,179 $2,524 $2,653 $6,370 $9,805 $3,697 $4,348
Progressive $1,582 $1,496 $1,298 $1,357 $6,172 $6,948 $1,895 $2,051
State Farm $1,176 $1,176 $1,057 $1,057 $3,509 $4,419 $1,329 $1,524
USAA $1,156 $1,148 $1,058 $1,067 $3,009 $3,465 $1,489 $1,623

Cheap Saint Cloud, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saint Cloud, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,583 $8,421
American Family $2,678 $2,947
Farmers $8,570 $8,876
GEICO $3,903 $4,198
Liberty Mutual $6,794 $7,602
Nationwide $6,370 $9,805
Progressive $6,172 $6,948
State Farm $3,509 $4,419
USAA $3,009 $3,465

Cheap Saint Cloud, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saint Cloud, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,872 $2,063
American Family $856 $863
Farmers $1,566 $1,663
GEICO $1,222 $1,417
Liberty Mutual $1,501 $1,698
Nationwide $2,524 $2,653
Progressive $1,298 $1,357
State Farm $1,057 $1,057
USAA $1,058 $1,067

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

Annual Saint Cloud, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,790 $3,831 $3,588 $3,464
American Family $1,362 $1,443 $1,443 $1,443
Farmers $3,083 $3,902 $3,691 $3,487
GEICO $1,327 $2,153 $2,489 $1,717
Liberty Mutual $2,432 $3,501 $3,613 $3,267
Nationwide $3,764 $4,353 $5,333 $4,353
Progressive $2,607 $3,169 $2,709 $2,915
State Farm $1,743 $2,069 $1,906 $1,906
USAA $1,371 $1,733 $2,339 $1,565

Cheap Saint Cloud, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saint Cloud, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,588
American Family $1,443
Farmers $3,691
GEICO $2,489
Liberty Mutual $3,613
Nationwide $5,333
Progressive $2,709
State Farm $1,906
USAA $2,339

Cheap Saint Cloud, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saint Cloud, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,480 $3,090 $2,685
American Family $1,909 $1,252 $1,106
Farmers $3,997 $3,387 $3,238
GEICO $2,519 $1,799 $1,447
Liberty Mutual $4,612 $2,801 $2,197
Nationwide $5,002 $4,175 $4,175
Progressive $3,229 $2,755 $2,565
State Farm $2,842 $1,632 $1,243
USAA $2,675 $1,432 $1,149

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Cheap Saint Cloud, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saint Cloud, Wisconsin

ZIP Code Average Annual Rates
53079 $2,657

Cheap Saint Cloud, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saint Cloud, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,337 $3,500
American Family $1,399 $1,446
Farmers $3,541 $3,541
GEICO $1,883 $1,960
Liberty Mutual $3,203 $3,203
Nationwide $4,451 $4,451
Progressive $2,850 $2,850
State Farm $1,858 $1,953
USAA $1,729 $1,774

Cheap Saint Cloud, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saint Cloud, Wisconsin

Insurance Company Low Medium High
Allstate $3,276 $3,410 $3,569
American Family $1,402 $1,435 $1,430
Farmers $3,250 $3,513 $3,860
GEICO $1,774 $1,921 $2,070
Liberty Mutual $2,969 $3,229 $3,412
Nationwide $4,305 $4,450 $4,597
Progressive $2,656 $2,876 $3,017
State Farm $1,788 $1,913 $2,017
USAA $1,678 $1,754 $1,824

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Best By Category: Cheapest Auto Insurance in Saint Cloud, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Saint Cloud, 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 Saint Cloud, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Saint Cloud, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,418
American Family $1,422
Farmers $3,541
GEICO $1,922
Liberty Mutual $3,203
Nationwide $4,451
Progressive $2,850
State Farm $1,906
USAA $1,752

Compare Saint Cloud, Wisconsin Auto Insurance Quotes

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