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: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Eau Claire after a DUI is American Family
  • The annual number of car thefts in Eau Claire is 64.
  • Average car insurance rates in Eau Claire, WI for senior drivers are $1,529/year

Average car insurance rates in Eau Claire, Wisconsin are $229 a month. But with a little research you can get a great deal from the top car insurance companies in Eau Claire, WI. Before you buy Eau Claire, Wisconsin car insurance, make sure your coverage meets or exceeds the Wisconsin minimum of 25/50/10.

It may even be helpful to compare Eau Claire car insurance rates with Oshkosh car insurance rates, La Crosse car insurance rates, or Milwaukee car insurance rates to make sure you’re getting the best Eau Claire, WI car insurance quotes available.

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

Eau Claire, WI Minimum Car Insurance Coverage

Eau Claire, 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 Eau Claire, 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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Eau Claire, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Eau Claire, Wisconsin

Insurance Company Low Medium High
Allstate $3,338 $3,483 $3,655
American Family $1,580 $1,617 $1,609
Farmers $3,231 $3,462 $3,776
GEICO $1,830 $1,982 $2,131
Liberty Mutual $2,489 $2,710 $2,860
Nationwide $4,777 $4,926 $5,086
Progressive $2,499 $2,688 $2,808
State Farm $1,918 $2,041 $2,145
USAA $1,830 $1,902 $1,969

Eau Claire, WI Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Eau Claire, 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 $2,080 $2,192 $1,922 $2,123 $6,666 $8,547 $2,113 $2,293
American Family $990 $1,034 $942 $947 $3,075 $3,388 $1,182 $1,260
Farmers $1,787 $1,787 $1,587 $1,680 $8,320 $8,602 $2,028 $2,127
GEICO $1,180 $1,317 $1,250 $1,459 $4,064 $4,378 $1,089 $1,112
Liberty Mutual $1,619 $1,764 $1,308 $1,483 $5,530 $6,195 $1,723 $1,868
Nationwide $3,384 $3,559 $2,808 $2,957 $6,993 $10,736 $4,123 $4,878
Progressive $1,474 $1,395 $1,209 $1,264 $5,779 $6,506 $1,770 $1,924
State Farm $1,272 $1,272 $1,136 $1,136 $3,707 $4,675 $1,436 $1,645
USAA $1,267 $1,266 $1,148 $1,170 $3,195 $3,708 $1,645 $1,808

Eau Claire, WI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Eau Claire, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,666 $8,547
American Family $3,075 $3,388
Farmers $8,320 $8,602
GEICO $4,064 $4,378
Liberty Mutual $5,530 $6,195
Nationwide $6,993 $10,736
Progressive $5,779 $6,506
State Farm $3,707 $4,675
USAA $3,195 $3,708

Eau Claire, WI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Eau Claire, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,922 $2,123
American Family $942 $947
Farmers $1,587 $1,680
GEICO $1,250 $1,459
Liberty Mutual $1,308 $1,483
Nationwide $2,808 $2,957
Progressive $1,209 $1,264
State Farm $1,136 $1,136
USAA $1,148 $1,170

Eau Claire, WI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Eau Claire, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,580 $3,156 $2,739
American Family $2,144 $1,414 $1,249
Farmers $3,953 $3,331 $3,185
GEICO $2,598 $1,855 $1,491
Liberty Mutual $3,872 $2,342 $1,845
Nationwide $5,542 $4,624 $4,624
Progressive $3,020 $2,576 $2,399
State Farm $3,035 $1,743 $1,327
USAA $2,926 $1,543 $1,233

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Eau Claire, WI Car Insurance Rates by Driver History

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

Annual Eau Claire, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,859 $3,918 $3,659 $3,532
American Family $1,532 $1,626 $1,626 $1,626
Farmers $3,044 $3,838 $3,632 $3,445
GEICO $1,354 $2,224 $2,601 $1,746
Liberty Mutual $2,052 $2,922 $3,030 $2,742
Nationwide $4,168 $4,821 $5,908 $4,821
Progressive $2,438 $2,963 $2,533 $2,727
State Farm $1,866 $2,203 $2,035 $2,035
USAA $1,492 $1,876 $2,535 $1,701

Eau Claire, WI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Eau Claire, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,659
American Family $1,626
Farmers $3,632
GEICO $2,601
Liberty Mutual $3,030
Nationwide $5,908
Progressive $2,533
State Farm $2,035
USAA $2,535

Eau Claire, WI Car Insurance Rates by ZIP Code

Just like Eau Claire car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Eau Claire, WI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Eau Claire, Wisconsin

ZIP Code Average Annual Rates
54701 $2,708
54703 $2,652

Eau Claire, WI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Eau Claire, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,408 $3,575
American Family $1,575 $1,630
Farmers $3,490 $3,490
GEICO $1,944 $2,018
Liberty Mutual $2,686 $2,686
Nationwide $4,930 $4,930
Progressive $2,665 $2,665
State Farm $1,985 $2,085
USAA $1,876 $1,925

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Eau Claire, WI Cheapest Car Insurance Rates

How do the top Eau Claire, Wisconsin car insurance companies’ average rates stack up against the Eau Claire average monthly car insurance rates of $229? Take a look and see.

Best Annual Car Insurance Rates by Company in Eau Claire, 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

Eau Claire, WI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Eau Claire, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,492
American Family $1,602
Farmers $3,490
GEICO $1,981
Liberty Mutual $2,686
Nationwide $4,930
Progressive $2,665
State Farm $2,035
USAA $1,901

Other Factors Affecting Eau Claire, WI Car Insurance Rates

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

Eau Claire, WI Car Theft Rates

The car theft rate in Eau Claire, WI will affect your car insurance rates. FBI data shows that the annual car theft rate for Eau Claire, Wisconsin is 64 stolen cars.

Eau Claire, WI Commute Time

How does your Eau Claire, WI commute time compare with the average driver? In Eau Claire, the average commute is 16.2 minutes.

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Eau Claire, WI Car Insurance Quotes

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