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Get Cheap Car Insurance in Pine Creek, WI

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

 

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The Cheapest Minimum Coverage in Pine Creek

The chart below shows the cheapest car insurance company in Pine Creek 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.

 
Pine Creek Insurer Monthly Cost
State Farm $40
American Family Insurance $42
Erie Insurance $42
Kemper $44

Savings for Every Kind of Pine Creek Driver

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

Based on our extensive insurance data, we know the average Pine Creek 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 $209 per year by choosing the right vehicle insurance company. Some Pine Creek residents are paying out over $1,127 extra every year for auto insurance in Pine Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Pine Creek Car Insurance vs. Wisconsin

People living in Pine Creek pay an average of 1.28% less than the typical driver in the state. The average driver in Pine Creek can expect to pay about $568 per year, or $1,127 for full coverage.

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

Car Insurance Prices by Pine Creek Neighborhood

Pine Creek, WI map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Pine Creek?

The map shows insurance prices in and around Pine Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $14 per year within the city boundaries, with insurance premiums ranging from a high of $1,133 to a low of $1,119. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Pine Creek.

Pick the Best Car Insurance Company for You in Pine Creek

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

The best car insurance provider for most drivers in Pine Creek

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $209 over the average Pine Creek car insurance company.

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We use the average good driver, paying $77 per month, as our baseline for pricing in Pine Creek. 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 Pine Creek drivers with accidents on their records

In Pine Creek getting into an accident will raise premiums an average 34% for a yearly cost of $1,701. That's $574 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 $431 over the competition.

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The best car insurance company for Pine Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $267 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 Pine Creek, tickets raise premiums on new quotes about $314. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,441 per year.

The best auto insurance for Pine Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,742 per year in auto insurance premiums, which was $615 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 $387 less each year.

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

In Pine Creek, Erie Insurance costs young drivers $895 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 Pine Creek. With an average cost of $3,600 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 Pine Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $66. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Pine Creek.

Progressive gave the largest car insurance discounts to married couples, averaging $163 saved each year compared to an average Pine Creek couple's premiums.

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The cheapest car insurance in Pine Creek for drivers with bad credit

People with poor credit saved an average of $615 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,091 every year. Premiums for people with poor credit were about $2,218 in Pine Creek. 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 Pine Creek car insurance company for customer service

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

Nationwide was the best company for customer service in Pine Creek 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 Pine Creek, 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 Pine Creek. 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 Pine Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 14% of Pine Creek 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 Pine Creek 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 Pine Creek, 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 Pine Creek

What Influences the Cost of Car Insurance in Pine Creek?

On average, car insurance in Pine Creek 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 Pine Creek is 31 minutes, which is about the national 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 Pine Creek are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Pine Creek has an average population density 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 Pine Creek is $47 per month for minimum coverage and $94 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 Pine Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pine Creek 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.