Compare Ashland, WI Car Insurance Rates [2024]
Car insurance in Ashland, WI averages $251 a month. Ashland, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ashland car insurance rates, compare quotes from the top car insurance companies in Ashland, WI.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Ashland for teen drivers is American Family
- The cheapest car insurance company in Ashland is American Family
- Average car insurance rates in Ashland, WI are $3,016/year
If you need to buy Ashland, Wisconsin car insurance, the options can be confusing. Everything you need to know about car insurance in Ashland, WI is right here.
You’ll find Ashland car insurance rates, the cheapest Ashland, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Ashland, Wisconsin car insurance rates to Eau Claire car insurance rates, Madison car insurance rates, and Green Bay car insurance rates.
Ready to find affordable Ashland, WI car insurance today? Enter your ZIP code for fast, free Ashland car insurance quotes.
Cheapest Ashland, WI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Ashland, WI car insurance rates? Every Ashland, Wisconsin car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,430 | $2,576 | $2,225 | $2,469 | $7,441 | $9,557 | $2,489 | $2,712 |
| American Family | $976 | $1,023 | $916 | $925 | $2,763 | $3,059 | $1,153 | $1,230 |
| Farmers | $1,896 | $1,898 | $1,689 | $1,777 | $8,460 | $8,755 | $2,154 | $2,276 |
| Geico | $1,445 | $1,583 | $1,472 | $1,670 | $4,697 | $5,064 | $1,339 | $1,389 |
| Liberty Mutual | $1,923 | $2,110 | $1,564 | $1,782 | $5,719 | $6,425 | $2,046 | $2,231 |
| Nationwide | $4,250 | $4,485 | $3,490 | $3,689 | $8,380 | $12,765 | $5,145 | $6,179 |
| Progressive | $1,398 | $1,345 | $1,145 | $1,185 | $5,090 | $5,758 | $1,684 | $1,831 |
| State Farm | $1,372 | $1,372 | $1,202 | $1,202 | $3,669 | $4,662 | $1,541 | $1,750 |
| USAA | $1,441 | $1,445 | $1,296 | $1,329 | $3,588 | $4,188 | $1,882 | $2,078 |
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Minimum Car Insurance in Ashland, WI
Every driver must carry the minimum car insurance required by the state in Ashland, WI. Take a look at the Wisconsin car insurance requirements.
| 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 |
Cheapest Ashland, WI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Ashland, WI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Ashland from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,245 | $3,601 | $3,116 |
| American Family | $2,017 | $1,327 | $1,173 |
| Farmers | $4,101 | $3,444 | $3,296 |
| Geico | $3,065 | $2,183 | $1,750 |
| Liberty Mutual | $4,317 | $2,572 | $2,036 |
| Nationwide | $6,800 | $5,672 | $5,672 |
| Progressive | $2,781 | $2,340 | $2,168 |
| State Farm | $3,127 | $1,795 | $1,367 |
| USAA | $3,339 | $1,743 | $1,386 |
Cheapest Ashland, WI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Ashland, WI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,288 | $4,482 | $4,158 | $4,022 |
| American Family | $1,441 | $1,527 | $1,527 | $1,527 |
| Farmers | $3,157 | $3,965 | $3,752 | $3,578 |
| Geico | $1,630 | $2,616 | $2,949 | $2,136 |
| Liberty Mutual | $2,294 | $3,201 | $3,359 | $3,046 |
| Nationwide | $5,112 | $5,915 | $7,250 | $5,915 |
| Progressive | $2,231 | $2,681 | $2,309 | $2,497 |
| State Farm | $1,943 | $2,249 | $2,096 | $2,096 |
| USAA | $1,693 | $2,124 | $2,878 | $1,928 |
Cheapest Ashland, WI Car Insurance for Teen Drivers
Teen car insurance in Ashland, WI can be expensive. Take a look at rates from the top car insurance companies in Ashland for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,441 | $9,557 |
| American Family | $2,763 | $3,059 |
| Farmers | $8,460 | $8,755 |
| Geico | $4,697 | $5,064 |
| Liberty Mutual | $5,719 | $6,425 |
| Nationwide | $8,380 | $12,765 |
| Progressive | $5,090 | $5,758 |
| State Farm | $3,669 | $4,662 |
| USAA | $3,588 | $4,188 |
Cheapest Ashland, WI Car Insurance for Seniors
Take a look at Ashland, WI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,225 | $2,469 |
| American Family | $916 | $925 |
| Farmers | $1,689 | $1,777 |
| Geico | $1,472 | $1,670 |
| Liberty Mutual | $1,564 | $1,782 |
| Nationwide | $3,490 | $3,689 |
| Progressive | $1,145 | $1,185 |
| State Farm | $1,202 | $1,202 |
| USAA | $1,296 | $1,329 |
Cheapest Ashland, WI Car Insurance Rates After a DUI
A DUI in Ashland, WI increases car insurance rates. Compare Ashland, Wisconsin car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,158 |
| American Family | $1,527 |
| Farmers | $3,752 |
| Geico | $2,949 |
| Liberty Mutual | $3,359 |
| Nationwide | $7,250 |
| Progressive | $2,309 |
| State Farm | $2,096 |
| USAA | $2,878 |
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Cheapest Ashland, WI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Ashland, WI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,891 | $4,084 |
| American Family | $1,480 | $1,531 |
| Farmers | $3,613 | $3,613 |
| Geico | $2,281 | $2,384 |
| Liberty Mutual | $2,975 | $2,975 |
| Nationwide | $6,048 | $6,048 |
| Progressive | $2,429 | $2,429 |
| State Farm | $2,045 | $2,147 |
| USAA | $2,128 | $2,184 |
The Best Cheap Car Insurance Companies in Ashland, WI
Take a look at a side-by-side comparison of the top car insurance companies in Ashland, WI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,987 |
| American Family | $1,506 |
| Farmers | $3,613 |
| Geico | $2,333 |
| Liberty Mutual | $2,975 |
| Nationwide | $6,048 |
| Progressive | $2,429 |
| State Farm | $2,096 |
| USAA | $2,156 |
Category Winners: Cheapest Car Insurance in Ashland, Wisconsin
Find the cheapest car insurance companies in Ashland, WI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | American Family |
| Clean Record | American Family |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | American Family |
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Cheapest Ashland, WI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Ashland car insurance rates. Find the cheapest Ashland, WI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,826 | $3,978 | $4,158 |
| American Family | $1,490 | $1,519 | $1,508 |
| Farmers | $3,388 | $3,591 | $3,861 |
| Geico | $2,196 | $2,331 | $2,470 |
| Liberty Mutual | $2,774 | $3,000 | $3,152 |
| Nationwide | $5,905 | $6,045 | $6,194 |
| Progressive | $2,318 | $2,445 | $2,526 |
| State Farm | $1,998 | $2,101 | $2,189 |
| USAA | $2,086 | $2,157 | $2,225 |
What affects car insurance rates in Ashland, Wisconsin?
What are the factors that affect car insurance rates in Ashland, WI? There are several reasons why Ashland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ashland, Wisconsin.
Car Theft in Ashland
High levels of vehicle theft can make car insurance more expensive. Ashland, WI car theft statistics from the FBI indicate 17 vehicle thefts a year.
Commute Time in Ashland
The more time you spend in your car the higher the risk of an accident. The average commute length in Ashland, WI is 12.5 minutes according to City-Data.
Compare Car Insurance Quotes in Ashland, WI
Ready to find affordable Ashland, Wisconsin car insurance today? Enter your ZIP code for fast, free Ashland, WI car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Why is it important to compare car insurance rates in Ashland, WI?
Comparing car insurance rates in Ashland, WI is crucial because it allows you to find the best coverage at the most affordable price. Insurance rates can vary significantly between insurance providers, and by comparing rates, you can potentially save money on your premiums while still obtaining adequate coverage.
How can I compare car insurance rates in Ashland, WI?
To compare car insurance rates in Ashland, WI, you can follow these steps:
- Research insurance providers: Start by researching and identifying reputable insurance companies that operate in Ashland, WI.
- Gather information: Collect necessary information such as your vehicle details, driving history, and desired coverage limits.
- Obtain quotes: Contact insurance providers directly or use online tools that provide multiple quotes from different companies. Provide the necessary information to receive accurate quotes.
- Compare rates and coverage: Review the quotes you receive and compare the rates and coverage options provided by each insurance company.
- Consider other factors: In addition to rates, consider factors like customer service, claims process, and the company’s financial stability before making a decision.
What factors influence car insurance rates in Ashland, WI?
Several factors can influence car insurance rates in Ashland, WI, including:
- Age and gender: Younger drivers, especially teenagers, often have higher insurance rates. Male drivers may also face higher premiums.
- Driving record: A clean driving record with no accidents or traffic violations usually leads to lower rates.
- Vehicle type: The make, model, and year of your vehicle can affect insurance rates. Expensive or high-performance cars typically have higher premiums.
- Coverage limits: The amount of coverage you choose can impact your rates. Higher coverage limits often result in higher premiums.
- Deductible amount: Opting for a higher deductible can lower your premiums, but you will be responsible for paying more out of pocket in the event of a claim.
- Credit history: In some states, including Wisconsin, insurance companies may consider credit history when determining rates.
- Location: Factors like crime rates, population density, and the frequency of accidents in your area can affect insurance rates.
Are there any specific car insurance requirements in Ashland, WI?
In Ashland, WI, drivers are required to have auto insurance that meets the state’s minimum coverage requirements. As of my knowledge cutoff in September 2021, the minimum requirements in Wisconsin include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
However, it’s important to note that insurance requirements can change over time, so it’s always advisable to verify the current requirements with the Wisconsin Department of Transportation or consult with an insurance professional.
Can I get discounts on car insurance in Ashland, WI?
Yes, many insurance providers offer various discounts that can help reduce your car insurance premiums in Ashland, WI. Common discounts include:
- Safe driver discount: Offered to drivers with a clean driving record and no recent accidents or traffic violations.
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance, you may qualify for a discount.
- Good student discount: Students who maintain good grades may be eligible for this discount.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can often lead to lower insurance rates.
- Defensive driving course discount: Completing an approved defensive driving course may make you eligible for a discount.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.