A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • Average car insurance rates in Beaver Dam, WI are $225/month
  • The cheapest car insurance company in Beaver Dam after a DUI is American Family
  • The annual number of car thefts in Beaver Dam is 8.

Average car insurance rates in Beaver Dam, Wisconsin are $225 a month. But with a little research you can get a great deal from the top car insurance companies in Beaver Dam, WI. Before you buy Beaver Dam, Wisconsin car insurance, make sure your coverage meets or exceeds the Wisconsin minimum of 25/50/10.

It may even be helpful to compare Beaver Dam car insurance rates with Oshkosh car insurance rates, Green Bay car insurance rates, or Janesville car insurance rates to make sure you’re getting the best Beaver Dam, WI car insurance quotes available.

Need affordable Beaver Dam, WI car insurance? Enter your ZIP code to compare Beaver Dam car insurance quotes from multiple car insurance companies near you.

Beaver Dam, WI Minimum Car Insurance Coverage

Beaver Dam, Wisconsin law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Beaver Dam, 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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Beaver Dam, WI Car Insurance Rates by Coverage Level

Some Beaver Dam drivers can get by with the Wisconsin minimum coverage of 25/50/10. Other drivers may need more. See how much your Beaver Dam, Wisconsin car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Beaver Dam, Wisconsin

Insurance Company Low Medium High
Allstate $3,573 $3,708 $3,869
American Family $1,446 $1,484 $1,479
Farmers $3,293 $3,565 $3,930
GEICO $1,738 $1,874 $2,012
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,459 $4,608 $4,763
Progressive $2,569 $2,799 $2,954
State Farm $1,656 $1,762 $1,853
USAA $1,754 $1,828 $1,896

Beaver Dam, WI Car Insurance Rates by Age, Gender, and Marital Status

Beaver Dam, Wisconsin car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Beaver Dam, WI car insurance, get quotes from multiple car insurance companies in the Beaver Dam area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Beaver Dam, 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 $2,198 $2,314 $2,031 $2,240 $7,156 $9,135 $2,232 $2,428
American Family $904 $942 $867 $870 $2,843 $3,116 $1,073 $1,140
Farmers $1,792 $1,792 $1,585 $1,685 $8,717 $9,034 $2,036 $2,126
GEICO $1,138 $1,260 $1,191 $1,377 $3,807 $4,096 $1,052 $1,078
Liberty Mutual $1,587 $1,729 $1,281 $1,454 $5,627 $6,311 $1,685 $1,821
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,533 $1,447 $1,256 $1,319 $6,036 $6,791 $1,831 $1,981
State Farm $1,109 $1,109 $988 $988 $3,175 $4,012 $1,251 $1,427
USAA $1,210 $1,204 $1,102 $1,116 $3,112 $3,595 $1,563 $1,709

Beaver Dam, WI Car Insurance Rates for Teens

How much is Beaver Dam, Wisconsin car insurance for teens? Compare rates from top Beaver Dam car insurance companies below to help find the cheapest teen car insurance in Beaver Dam, WI.

Annual Car Insurance Rates for Teen Drivers in Beaver Dam, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,156 $9,135
American Family $2,843 $3,116
Farmers $8,717 $9,034
GEICO $3,807 $4,096
Liberty Mutual $5,627 $6,311
Nationwide $6,584 $10,130
Progressive $6,036 $6,791
State Farm $3,175 $4,012
USAA $3,112 $3,595

Beaver Dam, WI Car Insurance Rates for Seniors

Before seniors buy Beaver Dam, Wisconsin car insurance, they should make sure to shop around. Some Beaver Dam, WI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Beaver Dam, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,031 $2,240
American Family $867 $870
Farmers $1,585 $1,685
GEICO $1,191 $1,377
Liberty Mutual $1,281 $1,454
Nationwide $2,616 $2,751
Progressive $1,256 $1,319
State Farm $988 $988
USAA $1,102 $1,116

Beaver Dam, WI Car Insurance Rates by Credit History

How does your credit history affect Beaver Dam, WI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Beaver Dam, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,878 $3,360 $2,913
American Family $1,969 $1,296 $1,144
Farmers $4,060 $3,440 $3,288
GEICO $2,457 $1,755 $1,412
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $5,182 $4,324 $4,324
Progressive $3,140 $2,683 $2,500
State Farm $2,620 $1,505 $1,147
USAA $2,800 $1,488 $1,191

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Beaver Dam, WI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Beaver Dam, Wisconsin car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Beaver Dam.

Annual Beaver Dam, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,029 $4,168 $3,900 $3,770
American Family $1,406 $1,491 $1,491 $1,491
Farmers $3,131 $3,962 $3,750 $3,540
GEICO $1,296 $2,101 $2,425 $1,677
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,536 $3,087 $2,638 $2,835
State Farm $1,615 $1,899 $1,757 $1,757
USAA $1,430 $1,805 $2,437 $1,633

Beaver Dam, WI Car Insurance Rates With a DUI

Even a single DUI can increase your Beaver Dam, WI car insurance rates. Compare rates below to see which Beaver Dam car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Beaver Dam, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,900
American Family $1,491
Farmers $3,750
GEICO $2,425
Liberty Mutual $3,028
Nationwide $5,525
Progressive $2,638
State Farm $1,757
USAA $2,437

Beaver Dam, WI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Beaver Dam, WI car insurance rates may be. Let’s take a look at average car insurance rates from top Beaver Dam companies based on commute time.

Annual Car Insurance Rates by Commute Length in Beaver Dam, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,627 $3,806
American Family $1,444 $1,495
Farmers $3,596 $3,596
GEICO $1,837 $1,912
Liberty Mutual $2,687 $2,687
Nationwide $4,610 $4,610
Progressive $2,774 $2,774
State Farm $1,714 $1,801
USAA $1,803 $1,850

Beaver Dam, WI Cheapest Car Insurance Rates

How do the top Beaver Dam, Wisconsin car insurance companies’ average rates stack up against the Beaver Dam average monthly car insurance rates of $225? Take a look and see.

Best Annual Car Insurance Rates by Company in Beaver Dam, 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

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Beaver Dam, WI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Beaver Dam, Wisconsin car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Beaver Dam, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,717
American Family $1,469
Farmers $3,596
GEICO $1,875
Liberty Mutual $2,687
Nationwide $4,610
Progressive $2,774
State Farm $1,757
USAA $1,826

Other Factors Affecting Beaver Dam, WI Car Insurance Rates

Before you buy Beaver Dam, Wisconsin car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Beaver Dam, WI Car Theft Rates

The car theft rate in Beaver Dam, WI will affect your car insurance rates. FBI data shows that the annual car theft rate for Beaver Dam, Wisconsin is 8 stolen cars.

Beaver Dam, WI Commute Time

How does your Beaver Dam, WI commute time compare with the average driver? In Beaver Dam, the average commute is 19.9 minutes.

Beaver Dam, WI Car Insurance Quotes

Compare Beaver Dam, WI car insurance quotes from multiple companies by entering your ZIP code now.