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Get Cheap Car Insurance in Dane, WI

We monitor insurance prices, helping the average driver in Dane save up to 27.7% on car insurance.

 

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The Cheapest Minimum Coverage in Dane

The chart below shows the cheapest car insurance company in Dane for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by American Family Insurance, Erie Insurance, and Kemper.

 
Dane Insurer Monthly Cost
State Farm $39
American Family Insurance $41
Erie Insurance $41
Kemper $43

Savings for Every Kind of Dane Driver

The table shows how much the average auto insurance customer in Dane might save by following our recommendations.

Based on our extensive insurance data, we know the average Dane driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $204 per year by choosing the right vehicle insurance company. Some Dane residents are paying out over $1,097 extra every year for auto insurance in Dane. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Dane, WI Savings / Yr.
Drivers with good records
$204
Drivers with accidents
$420
Drivers with speeding tickets
$259
Drivers with a DUI conviction
$377
Young drivers
$872
Married drivers
$159
Drivers with bad credit
$599

Dane Car Insurance vs. Wisconsin

People living in Dane pay an average of 3.91% less than the typical driver in the state. The average driver in Dane can expect to pay about $553 per year, or $1,097 for full coverage.

Based on our analysis, West Bend will be the cheapest provider in Dane for most people.

Car Insurance Prices by Dane Neighborhood

Dane, WI map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Dane?

The map shows insurance prices in and around Dane, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $1,107 to a low of $1,089. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Dane.

Pick the Best Car Insurance Company for You in Dane

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Dane insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Dane

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $204 over the average Dane car insurance company.

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We use the average good driver, paying $75 per month, as our baseline for pricing in Dane. State Farm, Geico, and West Bend are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Dane drivers with accidents on their records

In Dane getting into an accident will raise premiums an average 34% for a yearly cost of $1,656. That's $558 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Erie Insurance, and Novo are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $420 over the competition.

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The best car insurance company for Dane drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $259 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Dane, tickets raise premiums on new quotes about $306. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,403 per year.

The best auto insurance for Dane drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,696 per year in auto insurance premiums, which was $599 more than a driver with no major issues. State Farm, Progressive, and Clearcover penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $377 less each year.

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The least expensive car insurance company for new and young drivers in Dane

In Dane, Erie Insurance costs young drivers $872 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Dane. With an average cost of $3,505 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Erie Insurance, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Dane

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $64. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Dane.

Progressive gave the largest car insurance discounts to married couples, averaging $159 saved each year compared to an average Dane couple's premiums.

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The cheapest car insurance in Dane for drivers with bad credit

People with poor credit saved an average of $599 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,062 every year. Premiums for people with poor credit were about $2,159 in Dane. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Clearcover.

The best Dane car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Dane, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Dane.

Nationwide was the best company for customer service in Dane according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Dane, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Dane. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Dane

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Dane residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Dane driver can expect to pay about $80 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Dane, USAA has the best prices for good drivers, drivers with bad credit, drivers with a DUI conviction, young drivers, drivers with accidents, married couples, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Dane

What Influences the Cost of Car Insurance in Dane?

On average, car insurance in Dane is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Dane is 26 minutes, which is far less than average for a driver in the state.
  • Wisconsin state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Dane are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Dane has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Dane is $46 per month for minimum coverage and $91 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Dane driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Dane with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.