Buy Cheap Watertown, WI Auto Insurance (2022)

Watertown, WI auto insurance rates average $227 a month. Minimum auto insurance requirements in Watertown, Wisconsin are 25/50/10 to comply with Wisconsin laws. To buy cheap auto insurance in Watertown, WI, compare Watertown auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Watertown, WI for teens drivers are $5,284/year
  • Average auto insurance rates in Watertown, WI after a DUI are $3,013/year
  • Average auto insurance rates in Watertown, WI are $227/month

Finding affordable Watertown, Wisconsin auto insurance can be challenging, but everything you need to know to buy cheap Watertown, WI auto insurance with confidence is right here. Auto insurance rates in Watertown are affected by local factors as well as personal ones like your driving record.

See how Watertown, WI car insurance rates compare to Green Bay auto insurance rates, La Crosse auto insurance rates, and Kenosha auto insurance rates before you read more about the cost of auto insurance in Watertown.

Don’t buy Watertown, WI auto insurance until you’ve compared rates. Get free Watertown, Wisconsin auto insurance quotes when you enter your ZIP code above.

Watertown, WI Minimum Auto Insurance Requirements

The required auto insurance in Watertown, WI is 25/50/10 according to the auto insurance laws in Wisconsin. The minimum auto insurance in Watertown, Wisconsin is outlined here.

Minimum Required Auto Insurance Coverage in Watertown, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Watertown, WI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Watertown, WI. Take a look at Watertown, Wisconsin auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Watertown, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,804 $3,312 $2,874
American Family $1,921 $1,262 $1,113
Farmers $4,060 $3,440 $3,288
GEICO $2,446 $1,747 $1,405
Liberty Mutual $4,021 $2,445 $1,920
Nationwide $5,182 $4,324 $4,324
Progressive $3,156 $2,702 $2,519
State Farm $2,811 $1,614 $1,230
USAA $2,802 $1,488 $1,191

Buy Cheap Watertown, WI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Watertown, Wisconsin auto insurance rates? Find out how car insurance rates in Watertown, WI are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Watertown, Wisconsin

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,162 $2,277 $1,999 $2,204 $7,065 $9,021 $2,194 $2,386
American Family $871 $906 $841 $843 $2,799 $3,063 $1,036 $1,099
Farmers $1,792 $1,792 $1,585 $1,685 $8,717 $9,034 $2,036 $2,126
GEICO $1,134 $1,254 $1,186 $1,368 $3,789 $4,077 $1,048 $1,074
Liberty Mutual $1,625 $1,768 $1,310 $1,486 $5,937 $6,655 $1,723 $1,859
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,533 $1,443 $1,255 $1,321 $6,105 $6,865 $1,831 $1,984
State Farm $1,172 $1,172 $1,051 $1,051 $3,448 $4,349 $1,324 $1,513
USAA $1,211 $1,205 $1,102 $1,117 $3,110 $3,595 $1,565 $1,712

Buy Cheap Watertown, WI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Watertown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Watertown, WI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Watertown, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,065 $9,021
American Family $2,799 $3,063
Farmers $8,717 $9,034
GEICO $3,789 $4,077
Liberty Mutual $5,937 $6,655
Nationwide $6,584 $10,130
Progressive $6,105 $6,865
State Farm $3,448 $4,349
USAA $3,110 $3,595

Buy Cheap Watertown, WI Auto Insurance for Seniors

You can save on senior auto insurance rates in Watertown, Wisconsin by comparing Watertown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Watertown, WI here.

Annual Auto Insurance Rates for Senior Drivers in Watertown, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,999 $2,204
American Family $841 $843
Farmers $1,585 $1,685
GEICO $1,186 $1,368
Liberty Mutual $1,310 $1,486
Nationwide $2,616 $2,751
Progressive $1,255 $1,321
State Farm $1,051 $1,051
USAA $1,102 $1,117

Find Cheap Auto Insurance Rates in Watertown, WI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Watertown, Wisconsin auto insurance. Compare Watertown, WI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Watertown, Wisconsin

Insurance Company Low Medium High
Allstate $3,524 $3,655 $3,811
American Family $1,407 $1,446 $1,444
Farmers $3,293 $3,565 $3,930
GEICO $1,732 $1,866 $2,001
Liberty Mutual $2,542 $2,821 $3,024
Nationwide $4,459 $4,608 $4,763
Progressive $2,585 $2,817 $2,974
State Farm $1,769 $1,892 $1,995
USAA $1,755 $1,829 $1,897

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Find Cheap Watertown, WI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Watertown. Compare auto insurance rates in Watertown, WI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Watertown, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,576 $3,751
American Family $1,408 $1,457
Farmers $3,596 $3,596
GEICO $1,829 $1,903
Liberty Mutual $2,795 $2,795
Nationwide $4,610 $4,610
Progressive $2,792 $2,792
State Farm $1,838 $1,932
USAA $1,803 $1,851

Find Cheap Watertown, WI Auto Insurance Rates by ZIP Code

Auto insurance rates in Watertown, Wisconsin can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Watertown, WI to see how much where you live in Watertown affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Watertown, Wisconsin

ZIP Code Average Annual Rates
53094 $2,642
53098 $2,687

Find Cheap Watertown, WI Auto Insurance Rates by Driving Record

Auto insurance rates in Watertown, Wisconsin are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Watertown, WI, take a look at the average cost for various violations versus rates for a clean driving record in Watertown.

Annual Watertown, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,985 $4,108 $3,845 $3,716
American Family $1,371 $1,453 $1,453 $1,453
Farmers $3,131 $3,962 $3,750 $3,540
GEICO $1,290 $2,092 $2,412 $1,670
Liberty Mutual $2,125 $3,057 $3,150 $2,849
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,551 $3,110 $2,655 $2,853
State Farm $1,727 $2,043 $1,885 $1,885
USAA $1,431 $1,805 $2,438 $1,633

Find Cheap Watertown, WI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Watertown, Wisconsin is higher than for a clean driving record. You can buy auto insurance after a DUI in Watertown for less when you shop around and compare rates from multiple Watertown, WI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Watertown, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,845
American Family $1,453
Farmers $3,750
GEICO $2,412
Liberty Mutual $3,150
Nationwide $5,525
Progressive $2,655
State Farm $1,885
USAA $2,438

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Winners by Category: Where to Buy Cheap Auto Insurance in Watertown, WI

Compare rates from the cheapest auto insurance companies in Watertown, WI for your needs. Take a look at how Watertown, Wisconsin auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Watertown, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

Find Cheap Watertown, Wisconsin Auto Insurance Companies

If you’re looking for the cheapest Watertown, WI auto insurance companies overall, you can compare them here. Find the best price for Watertown, Wisconsin car insurance by company.

Average Annual Auto Insurance Rates by Company in Watertown, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,664
American Family $1,432
Farmers $3,596
GEICO $1,866
Liberty Mutual $2,795
Nationwide $4,610
Progressive $2,792
State Farm $1,885
USAA $1,827

What affects Watertown, Wisconsin auto insurance rates?

Local factors affect auto insurance rates in Watertown, WI, including traffic, theft statistics, and commute length. Take a look at the things that impact Watertown auto insurance rates.

Auto Theft in Watertown

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Watertown, WI auto theft show a total of 5 vehicle thefts annually.

Commute Times in Watertown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Watertown, WI is 23.6 minutes according to City-Data.

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Compare Auto Insurance Quotes in Watertown, WI

You can buy cheap Watertown, WI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Watertown, Wisconsin auto insurance quotes from top companies.

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