Best Cheap Auto Insurance in Somerset, WI (2021)

The average Somerset, WI auto insurance rates are $252 per month. The minimum auto insurance in Somerset is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Somerset, 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 most expensive auto insurance company in Somerset for teen drivers is Nationwide
  • The average commute length in Somerset is 28.5 minutes
  • The cheapest auto insurance company in Somerset is American Family

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

Compare auto insurance in Somerset to other Wisconsin cities, including Waukesha auto insurance rates, Appleton auto insurance rates, and Madison auto insurance rates to see how Somerset, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Somerset, Wisconsin

Somerset, 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 Somerset, Wisconsin.

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

Auto insurance rates in Somerset, 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 Somerset, 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 $2,253 $2,383 $2,072 $2,295 $7,041 $9,039 $2,300 $2,501
American Family $1,034 $1,083 $976 $984 $3,113 $3,438 $1,229 $1,312
Farmers $1,868 $1,873 $1,657 $1,753 $8,731 $9,067 $2,112 $2,211
GEICO $1,309 $1,448 $1,357 $1,560 $4,372 $4,713 $1,211 $1,249
Liberty Mutual $1,810 $1,980 $1,466 $1,668 $5,864 $6,583 $1,926 $2,091
Nationwide $3,926 $4,140 $3,245 $3,424 $7,939 $12,151 $4,772 $5,691
Progressive $1,787 $1,709 $1,465 $1,522 $6,647 $7,510 $2,146 $2,324
State Farm $1,340 $1,340 $1,188 $1,188 $3,755 $4,758 $1,510 $1,717
USAA $1,441 $1,442 $1,302 $1,330 $3,635 $4,224 $1,878 $2,068

Cheap Somerset, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Somerset, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,041 $9,039
American Family $3,113 $3,438
Farmers $8,731 $9,067
GEICO $4,372 $4,713
Liberty Mutual $5,864 $6,583
Nationwide $7,939 $12,151
Progressive $6,647 $7,510
State Farm $3,755 $4,758
USAA $3,635 $4,224

Cheap Somerset, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Somerset, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,295
American Family $976 $984
Farmers $1,657 $1,753
GEICO $1,357 $1,560
Liberty Mutual $1,466 $1,668
Nationwide $3,245 $3,424
Progressive $1,465 $1,522
State Farm $1,188 $1,188
USAA $1,302 $1,330

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

Annual Somerset, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,071 $4,195 $3,903 $3,772
American Family $1,574 $1,670 $1,670 $1,670
Farmers $3,186 $4,018 $3,820 $3,612
GEICO $1,489 $2,415 $2,769 $1,937
Liberty Mutual $2,243 $3,167 $3,298 $2,987
Nationwide $4,786 $5,536 $6,786 $5,536
Progressive $2,877 $3,474 $2,983 $3,220
State Farm $1,935 $2,264 $2,099 $2,099
USAA $1,698 $2,135 $2,890 $1,937

Cheap Somerset, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Somerset, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,903
American Family $1,670
Farmers $3,820
GEICO $2,769
Liberty Mutual $3,298
Nationwide $6,786
Progressive $2,983
State Farm $2,099
USAA $2,890

Cheap Somerset, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Somerset, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,908 $3,375 $2,924
American Family $2,202 $1,453 $1,283
Farmers $4,138 $3,495 $3,344
GEICO $2,826 $2,015 $1,617
Liberty Mutual $4,222 $2,542 $2,007
Nationwide $6,365 $5,309 $5,309
Progressive $3,581 $3,027 $2,809
State Farm $3,132 $1,798 $1,369
USAA $3,342 $1,754 $1,398

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Cheap Somerset, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Somerset, Wisconsin

ZIP Code Average Annual Rates
54025 $2,932

Cheap Somerset, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Somerset, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,646 $3,825
American Family $1,618 $1,675
Farmers $3,659 $3,659
GEICO $2,108 $2,196
Liberty Mutual $2,924 $2,924
Nationwide $5,661 $5,661
Progressive $3,139 $3,139
State Farm $2,047 $2,152
USAA $2,137 $2,193

Cheap Somerset, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Somerset, Wisconsin

Insurance Company Low Medium High
Allstate $3,575 $3,726 $3,905
American Family $1,625 $1,661 $1,653
Farmers $3,368 $3,630 $3,980
GEICO $2,010 $2,152 $2,295
Liberty Mutual $2,702 $2,952 $3,116
Nationwide $5,492 $5,659 $5,832
Progressive $2,957 $3,164 $3,295
State Farm $1,983 $2,106 $2,209
USAA $2,088 $2,167 $2,240

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Best By Category: Cheapest Auto Insurance in Somerset, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Somerset, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,735
American Family $1,646
Farmers $3,659
GEICO $2,152
Liberty Mutual $2,924
Nationwide $5,661
Progressive $3,139
State Farm $2,099
USAA $2,165

What affects auto insurance rates in Somerset, Wisconsin?

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

Somerset Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Somerset, Wisconsin commute length is 28.5 minutes according to City-Data.

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Compare Somerset, Wisconsin Auto Insurance Quotes

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