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

  • The annual number of car thefts in La Crosse is 64.
  • The cheapest car insurance company in La Crosse after a DUI is American Family
  • Average car insurance rates in La Crosse, WI are $228/month

Average car insurance rates in La Crosse, Wisconsin are $228 a month. But with a little research you can get a great deal from the top car insurance companies in La Crosse, WI. Before you buy La Crosse, Wisconsin car insurance, make sure your coverage meets or exceeds the Wisconsin minimum of 25/50/10.

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

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

La Crosse, WI Minimum Car Insurance Coverage

La Crosse, 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 La Crosse, 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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La Crosse, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Crosse, Wisconsin

Insurance Company Low Medium High
Allstate $3,511 $3,666 $3,848
American Family $1,633 $1,672 $1,661
Farmers $3,338 $3,593 $3,931
GEICO $1,670 $1,789 $1,909
Liberty Mutual $2,495 $2,717 $2,872
Nationwide $4,270 $4,405 $4,545
Progressive $2,505 $2,675 $2,777
State Farm $2,095 $2,206 $2,300
USAA $1,833 $1,904 $1,970

La Crosse, WI Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Crosse, 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 $2,213 $2,338 $2,038 $2,257 $6,937 $8,913 $2,255 $2,448
American Family $998 $1,042 $957 $957 $3,238 $3,563 $1,203 $1,283
Farmers $1,825 $1,823 $1,616 $1,713 $8,714 $9,024 $2,076 $2,174
GEICO $1,079 $1,198 $1,130 $1,305 $3,648 $3,934 $997 $1,023
Liberty Mutual $1,594 $1,734 $1,286 $1,456 $5,641 $6,318 $1,695 $1,833
Nationwide $3,007 $3,156 $2,501 $2,629 $6,294 $9,680 $3,668 $4,319
Progressive $1,497 $1,429 $1,230 $1,276 $5,654 $6,378 $1,801 $1,954
State Farm $1,386 $1,386 $1,231 $1,231 $3,986 $5,019 $1,564 $1,802
USAA $1,254 $1,246 $1,142 $1,153 $3,263 $3,773 $1,619 $1,768

La Crosse, WI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in La Crosse, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,913
American Family $3,238 $3,563
Farmers $8,714 $9,024
GEICO $3,648 $3,934
Liberty Mutual $5,641 $6,318
Nationwide $6,294 $9,680
Progressive $5,654 $6,378
State Farm $3,986 $5,019
USAA $3,263 $3,773

La Crosse, WI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in La Crosse, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,257
American Family $957 $957
Farmers $1,616 $1,713
GEICO $1,130 $1,305
Liberty Mutual $1,286 $1,456
Nationwide $2,501 $2,629
Progressive $1,230 $1,276
State Farm $1,231 $1,231
USAA $1,142 $1,153

La Crosse, WI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in La Crosse, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,828 $3,319 $2,878
American Family $2,210 $1,463 $1,293
Farmers $4,091 $3,461 $3,309
GEICO $2,344 $1,676 $1,349
Liberty Mutual $3,876 $2,355 $1,853
Nationwide $4,953 $4,133 $4,133
Progressive $3,020 $2,559 $2,378
State Farm $3,283 $1,884 $1,434
USAA $2,922 $1,548 $1,237

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La Crosse, WI Car Insurance Rates by Driver History

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

Annual La Crosse, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,022 $4,126 $3,841 $3,710
American Family $1,582 $1,680 $1,680 $1,680
Farmers $3,156 $3,988 $3,770 $3,569
GEICO $1,233 $2,008 $2,324 $1,592
Liberty Mutual $2,054 $2,939 $3,038 $2,748
Nationwide $3,726 $4,310 $5,281 $4,310
Progressive $2,431 $2,939 $2,521 $2,719
State Farm $2,022 $2,379 $2,201 $2,201
USAA $1,488 $1,881 $2,542 $1,698

La Crosse, WI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in La Crosse, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,841
American Family $1,680
Farmers $3,770
GEICO $2,324
Liberty Mutual $3,038
Nationwide $5,281
Progressive $2,521
State Farm $2,201
USAA $2,542

La Crosse, WI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in La Crosse, Wisconsin

ZIP Code Average Annual Rates
54601 $2,656
54603 $2,657

La Crosse, WI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in La Crosse, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,587 $3,763
American Family $1,626 $1,684
Farmers $3,621 $3,621
GEICO $1,756 $1,823
Liberty Mutual $2,695 $2,695
Nationwide $4,407 $4,407
Progressive $2,653 $2,653
State Farm $2,148 $2,253
USAA $1,878 $1,927

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La Crosse, WI Cheapest Car Insurance Rates

How do the top La Crosse, Wisconsin car insurance companies’ average rates stack up against the La Crosse average monthly car insurance rates of $228? Take a look and see.

Best Annual Car Insurance Rates by Company in La Crosse, 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 GEICO

La Crosse, WI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in La Crosse, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,675
American Family $1,655
Farmers $3,621
GEICO $1,789
Liberty Mutual $2,695
Nationwide $4,407
Progressive $2,653
State Farm $2,201
USAA $1,902

Other Factors Affecting La Crosse, WI Car Insurance Rates

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

La Crosse, WI Car Theft Rates

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

La Crosse, WI Commute Time

How does your La Crosse, WI commute time compare with the average driver? In La Crosse, the average commute is 15.8 minutes.

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La Crosse, WI Car Insurance Quotes

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