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Get Cheap Car Insurance in Spread Eagle, WI

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

 

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The Cheapest Minimum Coverage in Spread Eagle

The chart below shows the cheapest car insurance company in Spread Eagle 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.

 
Spread Eagle Insurer Monthly Cost
State Farm $39
American Family Insurance $41
Erie Insurance $42
Kemper $43

Savings for Every Kind of Spread Eagle Driver

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

Based on our extensive insurance data, we know the average Spread Eagle 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 $205 per year by choosing the right vehicle insurance company. Some Spread Eagle residents are paying out over $1,104 extra every year for auto insurance in Spread Eagle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Spread Eagle, WI Savings / Yr.
Drivers with good records
$205
Drivers with accidents
$422
Drivers with speeding tickets
$261
Drivers with a DUI conviction
$379
Young drivers
$876
Married drivers
$159
Drivers with bad credit
$602

Spread Eagle Car Insurance vs. Wisconsin

People living in Spread Eagle pay an average of 3.37% less than the typical driver in the state. The average driver in Spread Eagle can expect to pay about $556 per year, or $1,104 for full coverage.

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

Car Insurance Prices by Spread Eagle Neighborhood

Spread Eagle, 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 Spread Eagle?

The map shows insurance prices in and around Spread Eagle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $25 per year within the city boundaries, with insurance premiums ranging from a high of $1,122 to a low of $1,097. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Spread Eagle.

Pick the Best Car Insurance Company for You in Spread Eagle

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

The best car insurance provider for most drivers in Spread Eagle

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $205 over the average Spread Eagle car insurance company.

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We use the average good driver, paying $75 per month, as our baseline for pricing in Spread Eagle. 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 Spread Eagle drivers with accidents on their records

In Spread Eagle getting into an accident will raise premiums an average 34% for a yearly cost of $1,665. That's $561 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 $422 over the competition.

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The best car insurance company for Spread Eagle drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $261 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 Spread Eagle, tickets raise premiums on new quotes about $307. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,411 per year.

The best auto insurance for Spread Eagle drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,706 per year in auto insurance premiums, which was $602 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 $379 less each year.

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

In Spread Eagle, Erie Insurance costs young drivers $876 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 Spread Eagle. With an average cost of $3,524 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 Spread Eagle

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $65. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Spread Eagle.

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

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The cheapest car insurance in Spread Eagle for drivers with bad credit

People with poor credit saved an average of $602 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,068 every year. Premiums for people with poor credit were about $2,171 in Spread Eagle. 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 Spread Eagle car insurance company for customer service

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

Nationwide was the best company for customer service in Spread Eagle 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 Spread Eagle, 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 Spread Eagle. 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 Spread Eagle

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

What Influences the Cost of Car Insurance in Spread Eagle?

On average, car insurance in Spread Eagle 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 Spread Eagle is 29 minutes, which is a little 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 Spread Eagle are among the highest 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.
  • Spread Eagle 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 Spread Eagle is $46 per month for minimum coverage and $92 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

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* Who is the average Spread Eagle driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Spread Eagle 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.