Best Cheap Auto Insurance in Stoughton, WI (2021)

The average Stoughton, WI auto insurance rates are $227 per month. The minimum auto insurance in Stoughton is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Stoughton, 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 minimum auto insurance required in Stoughton, Wisconsin is 25/50/10
  • The cheapest auto insurance company in Stoughton is American Family
  • The average commute length in Stoughton is 25.7 minutes

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

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

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

Minimum Auto Insurance in Stoughton, Wisconsin

Stoughton, 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 Stoughton, Wisconsin.

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

Auto insurance rates in Stoughton, 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 Stoughton, 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 $2,196 $2,312 $2,032 $2,247 $7,202 $9,254 $2,222 $2,409
American Family $880 $916 $849 $850 $2,822 $3,089 $1,049 $1,113
Farmers $1,816 $1,813 $1,605 $1,704 $8,866 $9,192 $2,067 $2,158
GEICO $1,062 $1,181 $1,120 $1,300 $3,663 $3,948 $982 $1,002
Liberty Mutual $1,541 $1,673 $1,243 $1,404 $5,632 $6,300 $1,638 $1,766
Nationwide $3,025 $3,168 $2,529 $2,654 $6,489 $10,021 $3,703 $4,327
Progressive $1,523 $1,435 $1,251 $1,309 $6,093 $6,849 $1,828 $1,987
State Farm $1,190 $1,190 $1,071 $1,071 $3,579 $4,502 $1,346 $1,547
USAA $1,319 $1,310 $1,202 $1,213 $3,442 $3,977 $1,704 $1,860

Cheap Stoughton, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stoughton, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,202 $9,254
American Family $2,822 $3,089
Farmers $8,866 $9,192
GEICO $3,663 $3,948
Liberty Mutual $5,632 $6,300
Nationwide $6,489 $10,021
Progressive $6,093 $6,849
State Farm $3,579 $4,502
USAA $3,442 $3,977

Cheap Stoughton, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stoughton, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,032 $2,247
American Family $849 $850
Farmers $1,605 $1,704
GEICO $1,120 $1,300
Liberty Mutual $1,243 $1,404
Nationwide $2,529 $2,654
Progressive $1,251 $1,309
State Farm $1,071 $1,071
USAA $1,202 $1,213

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

Annual Stoughton, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $4,191 $3,919 $3,778
American Family $1,384 $1,467 $1,467 $1,467
Farmers $3,180 $4,028 $3,808 $3,595
GEICO $1,219 $2,002 $2,341 $1,567
Liberty Mutual $2,014 $2,898 $2,986 $2,701
Nationwide $3,796 $4,391 $5,380 $4,391
Progressive $2,544 $3,102 $2,646 $2,845
State Farm $1,770 $2,105 $1,937 $1,937
USAA $1,566 $1,981 $2,677 $1,789

Cheap Stoughton, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stoughton, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,919
American Family $1,467
Farmers $3,808
GEICO $2,341
Liberty Mutual $2,986
Nationwide $5,380
Progressive $2,646
State Farm $1,937
USAA $2,677

Cheap Stoughton, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stoughton, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,900 $3,373 $2,930
American Family $1,937 $1,275 $1,126
Farmers $4,117 $3,498 $3,343
GEICO $2,334 $1,669 $1,343
Liberty Mutual $3,804 $2,321 $1,824
Nationwide $5,047 $4,211 $4,211
Progressive $3,146 $2,694 $2,513
State Farm $2,889 $1,659 $1,264
USAA $3,078 $1,630 $1,302

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Cheap Stoughton, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stoughton, Wisconsin

ZIP Code Average Annual Rates
53589 $2,666

Cheap Stoughton, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stoughton, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,644 $3,824
American Family $1,421 $1,471
Farmers $3,653 $3,653
GEICO $1,751 $1,813
Liberty Mutual $2,650 $2,650
Nationwide $4,489 $4,489
Progressive $2,785 $2,785
State Farm $1,889 $1,985
USAA $1,978 $2,029

Cheap Stoughton, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stoughton, Wisconsin

Insurance Company Low Medium High
Allstate $3,563 $3,725 $3,915
American Family $1,422 $1,460 $1,455
Farmers $3,349 $3,626 $3,982
GEICO $1,661 $1,787 $1,898
Liberty Mutual $2,437 $2,678 $2,835
Nationwide $4,335 $4,489 $4,644
Progressive $2,601 $2,812 $2,941
State Farm $1,818 $1,944 $2,050
USAA $1,930 $2,006 $2,075

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Best By Category: Cheapest Auto Insurance in Stoughton, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Stoughton, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,734
American Family $1,446
Farmers $3,653
GEICO $1,782
Liberty Mutual $2,650
Nationwide $4,489
Progressive $2,785
State Farm $1,937
USAA $2,003

What affects auto insurance rates in Stoughton, Wisconsin?

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

Stoughton Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Stoughton, Wisconsin auto theft statistics, there have been 6 auto thefts in the city.

Stoughton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stoughton, Wisconsin commute length is 25.7 minutes according to City-Data.

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Compare Stoughton, Wisconsin Auto Insurance Quotes

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