Best Cheap Auto Insurance in Watertown, WI (2021)

The average Watertown, WI auto insurance rates are $227 per month. The minimum auto insurance in Watertown is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Watertown, 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 cheapest auto insurance company in Watertown is American Family
  • The minimum auto insurance required in Watertown, Wisconsin is 25/50/10
  • The average commute length in Watertown is 23.6 minutes

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

Compare auto insurance in Watertown to other Wisconsin cities, including Appleton auto insurance rates, Kenosha auto insurance rates, and Janesville auto insurance rates to see how Watertown, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Watertown, Wisconsin

Watertown, 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 Watertown, Wisconsin.

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

Auto insurance rates in Watertown, 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 Watertown, 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 $2,162 $2,277 $1,999 $2,204 $7,065 $9,021 $2,194 $2,386
American Family $871 $906 $841 $843 $2,799 $3,063 $1,036 $1,099
Farmers $1,792 $1,792 $1,585 $1,685 $8,717 $9,034 $2,036 $2,126
GEICO $1,134 $1,254 $1,186 $1,368 $3,789 $4,077 $1,048 $1,074
Liberty Mutual $1,625 $1,768 $1,310 $1,486 $5,937 $6,655 $1,723 $1,859
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,533 $1,443 $1,255 $1,321 $6,105 $6,865 $1,831 $1,984
State Farm $1,172 $1,172 $1,051 $1,051 $3,448 $4,349 $1,324 $1,513
USAA $1,211 $1,205 $1,102 $1,117 $3,110 $3,595 $1,565 $1,712

Cheap Watertown, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Watertown, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,065 $9,021
American Family $2,799 $3,063
Farmers $8,717 $9,034
GEICO $3,789 $4,077
Liberty Mutual $5,937 $6,655
Nationwide $6,584 $10,130
Progressive $6,105 $6,865
State Farm $3,448 $4,349
USAA $3,110 $3,595

Cheap Watertown, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Watertown, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,999 $2,204
American Family $841 $843
Farmers $1,585 $1,685
GEICO $1,186 $1,368
Liberty Mutual $1,310 $1,486
Nationwide $2,616 $2,751
Progressive $1,255 $1,321
State Farm $1,051 $1,051
USAA $1,102 $1,117

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

Annual Watertown, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,985 $4,108 $3,845 $3,716
American Family $1,371 $1,453 $1,453 $1,453
Farmers $3,131 $3,962 $3,750 $3,540
GEICO $1,290 $2,092 $2,412 $1,670
Liberty Mutual $2,125 $3,057 $3,150 $2,849
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,551 $3,110 $2,655 $2,853
State Farm $1,727 $2,043 $1,885 $1,885
USAA $1,431 $1,805 $2,438 $1,633

Cheap Watertown, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Watertown, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,845
American Family $1,453
Farmers $3,750
GEICO $2,412
Liberty Mutual $3,150
Nationwide $5,525
Progressive $2,655
State Farm $1,885
USAA $2,438

Cheap Watertown, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Watertown, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,804 $3,312 $2,874
American Family $1,921 $1,262 $1,113
Farmers $4,060 $3,440 $3,288
GEICO $2,446 $1,747 $1,405
Liberty Mutual $4,021 $2,445 $1,920
Nationwide $5,182 $4,324 $4,324
Progressive $3,156 $2,702 $2,519
State Farm $2,811 $1,614 $1,230
USAA $2,802 $1,488 $1,191

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Cheap Watertown, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Watertown, Wisconsin

ZIP Code Average Annual Rates
53094 $2,642
53098 $2,687

Cheap Watertown, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Watertown, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,576 $3,751
American Family $1,408 $1,457
Farmers $3,596 $3,596
GEICO $1,829 $1,903
Liberty Mutual $2,795 $2,795
Nationwide $4,610 $4,610
Progressive $2,792 $2,792
State Farm $1,838 $1,932
USAA $1,803 $1,851

Cheap Watertown, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Watertown, Wisconsin

Insurance Company Low Medium High
Allstate $3,524 $3,655 $3,811
American Family $1,407 $1,446 $1,444
Farmers $3,293 $3,565 $3,930
GEICO $1,732 $1,866 $2,001
Liberty Mutual $2,542 $2,821 $3,024
Nationwide $4,459 $4,608 $4,763
Progressive $2,585 $2,817 $2,974
State Farm $1,769 $1,892 $1,995
USAA $1,755 $1,829 $1,897

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Best By Category: Cheapest Auto Insurance in Watertown, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Watertown, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,664
American Family $1,432
Farmers $3,596
GEICO $1,866
Liberty Mutual $2,795
Nationwide $4,610
Progressive $2,792
State Farm $1,885
USAA $1,827

What affects auto insurance rates in Watertown, Wisconsin?

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

Watertown Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Watertown, Wisconsin auto theft statistics, there have been 5 auto thefts in the city.

Watertown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Watertown, Wisconsin commute length is 23.6 minutes according to City-Data.

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Compare Watertown, Wisconsin Auto Insurance Quotes

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