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Get Cheap Car Insurance in Ourtown, WI

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

 

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The Cheapest Minimum Coverage in Ourtown

The chart below shows the cheapest car insurance company in Ourtown 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.

 
Ourtown Insurer Monthly Cost
State Farm $37
American Family Insurance $38
Erie Insurance $39
Kemper $40

Savings for Every Kind of Ourtown Driver

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

Based on our extensive insurance data, we know the average Ourtown 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 $192 per year by choosing the right vehicle insurance company. Some Ourtown residents are paying out over $1,032 extra every year for auto insurance in Ourtown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Ourtown, WI Savings / Yr.
Drivers with good records
$192
Drivers with accidents
$395
Drivers with speeding tickets
$244
Drivers with a DUI conviction
$354
Young drivers
$819
Married drivers
$149
Drivers with bad credit
$563

Ourtown Car Insurance vs. Wisconsin

People living in Ourtown pay an average of 9.65% less than the typical driver in the state. The average driver in Ourtown can expect to pay about $520 per year, or $1,032 for full coverage.

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

Car Insurance Prices by Ourtown Neighborhood

Ourtown, 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 Ourtown?

The map shows insurance prices in and around Ourtown, 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 $1,048 to a low of $1,030. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Ourtown.

Pick the Best Car Insurance Company for You in Ourtown

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

The best car insurance provider for most drivers in Ourtown

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $192 over the average Ourtown car insurance company.

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We use the average good driver, paying $70 per month, as our baseline for pricing in Ourtown. 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 Ourtown drivers with accidents on their records

In Ourtown getting into an accident will raise premiums an average 34% for a yearly cost of $1,557. That's $525 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 $395 over the competition.

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The best car insurance company for Ourtown drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $244 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 Ourtown, tickets raise premiums on new quotes about $287. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,319 per year.

The best auto insurance for Ourtown drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,595 per year in auto insurance premiums, which was $563 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 $354 less each year.

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

In Ourtown, Erie Insurance costs young drivers $819 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 Ourtown. With an average cost of $3,295 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 Ourtown

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $61. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Ourtown.

Progressive gave the largest car insurance discounts to married couples, averaging $149 saved each year compared to an average Ourtown couple's premiums.

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The cheapest car insurance in Ourtown for drivers with bad credit

People with poor credit saved an average of $563 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $998 every year. Premiums for people with poor credit were about $2,030 in Ourtown. 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 Ourtown car insurance company for customer service

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

Nationwide was the best company for customer service in Ourtown 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 Ourtown, 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 Ourtown. 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 Ourtown

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 9.5% of Ourtown 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 Ourtown 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 Ourtown, 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 Ourtown

What Influences the Cost of Car Insurance in Ourtown?

On average, car insurance in Ourtown 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 Ourtown is 21 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 Ourtown are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Ourtown is a lightly populated area 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 Ourtown is $43 per month for minimum coverage and $86 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 Ourtown driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Ourtown 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.