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Get Cheap Car Insurance in Island Beach, WI

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

 

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The Cheapest Minimum Coverage in Island Beach

The chart below shows the cheapest car insurance company in Island Beach 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.

 
Island Beach Insurer Monthly Cost
State Farm $38
American Family Insurance $39
Erie Insurance $40
Kemper $41

Savings for Every Kind of Island Beach Driver

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

Based on our extensive insurance data, we know the average Island Beach 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 $197 per year by choosing the right vehicle insurance company. Some Island Beach residents are paying out over $1,061 extra every year for auto insurance in Island Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Island Beach, WI Savings / Yr.
Drivers with good records
$197
Drivers with accidents
$406
Drivers with speeding tickets
$251
Drivers with a DUI conviction
$364
Young drivers
$843
Married drivers
$153
Drivers with bad credit
$579

Island Beach Car Insurance vs. Wisconsin

People living in Island Beach pay an average of 7.09% less than the typical driver in the state. The average driver in Island Beach can expect to pay about $534 per year, or $1,061 for full coverage.

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

Car Insurance Prices by Island Beach Neighborhood

Island Beach, 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 Island Beach?

The map shows insurance prices in and around Island Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $15 per year within the city boundaries, with insurance premiums ranging from a high of $1,064 to a low of $1,049. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Island Beach.

Pick the Best Car Insurance Company for You in Island Beach

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 Island Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Island Beach

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $197 over the average Island Beach car insurance company.

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We use the average good driver, paying $72 per month, as our baseline for pricing in Island Beach. 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 Island Beach drivers with accidents on their records

In Island Beach getting into an accident will raise premiums an average 34% for a yearly cost of $1,601. That's $540 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 $406 over the competition.

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The best car insurance company for Island Beach drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $251 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 Island Beach, tickets raise premiums on new quotes about $295. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,356 per year.

The best auto insurance for Island Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,640 per year in auto insurance premiums, which was $579 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 $364 less each year.

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

In Island Beach, Erie Insurance costs young drivers $843 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 Island Beach. With an average cost of $3,388 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 Island Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $62. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Island Beach.

Progressive gave the largest car insurance discounts to married couples, averaging $153 saved each year compared to an average Island Beach couple's premiums.

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The cheapest car insurance in Island Beach for drivers with bad credit

People with poor credit saved an average of $579 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,027 every year. Premiums for people with poor credit were about $2,088 in Island Beach. 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 Island Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Island Beach, 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 Island Beach.

Nationwide was the best company for customer service in Island Beach 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 Island Beach, 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 Island Beach. 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 Island Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Island Beach 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 Island Beach 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 Island Beach, 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 Island Beach

What Influences the Cost of Car Insurance in Island Beach?

On average, car insurance in Island Beach 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 Island Beach is 23 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 Island Beach are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Island Beach is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Island Beach is $45 per month for minimum coverage and $88 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 Island Beach driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Island Beach 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.