Best Cheap Auto Insurance in Waukesha, WI (2021)

The average Waukesha, WI auto insurance rates are $231 per month. The minimum auto insurance in Waukesha is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Waukesha, Wisconsin, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Average auto insurance rates in Waukesha, WI for senior drivers are $1,499 per year
  • The cheapest auto insurance company in Waukesha is American Family
  • The average commute length in Waukesha is 21.7 minutes

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

Compare auto insurance in Waukesha to other Wisconsin cities, including Milwaukee auto insurance rates, Green Bay auto insurance rates, and Madison auto insurance rates to see how Waukesha, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Waukesha, Wisconsin

Waukesha, 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 Waukesha, Wisconsin.

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

Auto insurance rates in Waukesha, 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 Waukesha, 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 $2,182 $2,281 $2,039 $2,246 $7,693 $9,877 $2,183 $2,360
American Family $862 $896 $841 $840 $2,933 $3,202 $1,033 $1,096
Farmers $1,817 $1,811 $1,604 $1,709 $9,054 $9,371 $2,070 $2,153
GEICO $1,190 $1,337 $1,286 $1,524 $4,162 $4,471 $1,095 $1,106
Liberty Mutual $1,587 $1,729 $1,281 $1,454 $5,627 $6,311 $1,685 $1,821
Nationwide $2,945 $3,078 $2,474 $2,591 $6,458 $10,005 $3,615 $4,193
Progressive $1,488 $1,392 $1,222 $1,288 $6,100 $6,844 $1,777 $1,923
State Farm $1,310 $1,310 $1,186 $1,186 $4,046 $5,083 $1,485 $1,708
USAA $1,205 $1,194 $1,105 $1,110 $3,189 $3,667 $1,550 $1,685

Cheap Waukesha, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waukesha, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $9,877
American Family $2,933 $3,202
Farmers $9,054 $9,371
GEICO $4,162 $4,471
Liberty Mutual $5,627 $6,311
Nationwide $6,458 $10,005
Progressive $6,100 $6,844
State Farm $4,046 $5,083
USAA $3,189 $3,667

Cheap Waukesha, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waukesha, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,039 $2,246
American Family $841 $840
Farmers $1,604 $1,709
GEICO $1,286 $1,524
Liberty Mutual $1,281 $1,454
Nationwide $2,474 $2,591
Progressive $1,222 $1,288
State Farm $1,186 $1,186
USAA $1,105 $1,110

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

Annual Waukesha, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,111 $4,326 $4,075 $3,918
American Family $1,400 $1,484 $1,484 $1,484
Farmers $3,218 $4,085 $3,856 $3,634
GEICO $1,371 $2,267 $2,690 $1,759
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,738 $4,323 $5,296 $4,323
Progressive $2,513 $3,076 $2,619 $2,808
State Farm $1,971 $2,358 $2,164 $2,164
USAA $1,435 $1,820 $2,459 $1,639

Cheap Waukesha, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waukesha, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,075
American Family $1,484
Farmers $3,856
GEICO $2,690
Liberty Mutual $3,028
Nationwide $5,296
Progressive $2,619
State Farm $2,164
USAA $2,459

Cheap Waukesha, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waukesha, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,058 $3,483 $3,032
American Family $1,962 $1,290 $1,137
Farmers $4,166 $3,544 $3,386
GEICO $2,652 $1,892 $1,520
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $4,968 $4,146 $4,146
Progressive $3,100 $2,669 $2,494
State Farm $3,229 $1,853 $1,411
USAA $2,805 $1,503 $1,207

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Cheap Waukesha, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waukesha, Wisconsin

ZIP Code Average Annual Rates
53189 $2,721

Cheap Waukesha, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waukesha, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,765 $3,951
American Family $1,438 $1,488
Farmers $3,698 $3,698
GEICO $1,985 $2,058
Liberty Mutual $2,687 $2,687
Nationwide $4,420 $4,420
Progressive $2,754 $2,754
State Farm $2,110 $2,219
USAA $1,815 $1,862

Cheap Waukesha, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waukesha, Wisconsin

Insurance Company Low Medium High
Allstate $3,668 $3,847 $4,058
American Family $1,434 $1,478 $1,477
Farmers $3,377 $3,670 $4,049
GEICO $1,835 $2,021 $2,209
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,247 $4,420 $4,593
Progressive $2,534 $2,783 $2,945
State Farm $2,021 $2,173 $2,299
USAA $1,760 $1,840 $1,915

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Best By Category: Cheapest Auto Insurance in Waukesha, Wisconsin

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

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

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

Average Annual Auto Insurance Rates by Company in Waukesha, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,858
American Family $1,463
Farmers $3,698
GEICO $2,022
Liberty Mutual $2,687
Nationwide $4,420
Progressive $2,754
State Farm $2,164
USAA $1,838

What affects auto insurance rates in Waukesha, Wisconsin?

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

Waukesha Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Waukesha, Wisconsin auto theft statistics, there have been 49 auto thefts in the city.

Waukesha Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waukesha, Wisconsin commute length is 21.7 minutes according to City-Data.

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Compare Waukesha, Wisconsin Auto Insurance Quotes

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