Best Janesville, WI Car Insurance in 2024
Car insurance in Janesville, WI averages $227 a month. Janesville, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Janesville car insurance rates, compare quotes from the top car insurance companies in Janesville, WI.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Janesville, WI are $2,728/year
- The cheapest car insurance company in Janesville for teen drivers is American Family
- Average car insurance rates in Janesville, WI after a DUI are $3,030/year
If you need to buy Janesville, Wisconsin car insurance, the options can be confusing. Everything you need to know about car insurance in Janesville, WI is right here.
You’ll find Janesville car insurance rates, the cheapest Janesville, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Janesville, Wisconsin car insurance rates to Waukesha car insurance rates, La Crosse car insurance rates, and Eau Claire car insurance rates.
Ready to find affordable Janesville, WI car insurance today? Enter your ZIP code for fast, free Janesville car insurance quotes.
Cheapest Janesville, WI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Janesville, WI car insurance rates? Every Janesville, Wisconsin car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,141 | $2,248 | $1,988 | $2,190 | $7,178 | $9,181 | $2,164 | $2,349 |
| American Family | $887 | $923 | $857 | $858 | $2,880 | $3,154 | $1,059 | $1,125 |
| Farmers | $1,820 | $1,817 | $1,609 | $1,710 | $8,871 | $9,189 | $2,069 | $2,158 |
| Geico | $1,133 | $1,269 | $1,206 | $1,415 | $3,920 | $4,223 | $1,045 | $1,066 |
| Liberty Mutual | $1,440 | $1,566 | $1,164 | $1,318 | $5,151 | $5,770 | $1,528 | $1,649 |
| Nationwide | $3,167 | $3,318 | $2,642 | $2,774 | $6,740 | $10,393 | $3,871 | $4,534 |
| Progressive | $1,509 | $1,416 | $1,240 | $1,301 | $6,128 | $6,882 | $1,808 | $1,963 |
| State Farm | $1,229 | $1,229 | $1,111 | $1,111 | $3,773 | $4,740 | $1,392 | $1,602 |
| USAA | $1,258 | $1,250 | $1,146 | $1,158 | $3,263 | $3,770 | $1,625 | $1,775 |
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Minimum Car Insurance in Janesville, WI
Every driver must carry the minimum car insurance in Janesville, WI. Take a look at the Wisconsin car insurance requirements.
| 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 |
Cheapest Janesville, WI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Janesville, WI. Compare credit history car insurance rates in Janesville from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,827 | $3,326 | $2,887 |
| American Family | $1,967 | $1,294 | $1,142 |
| Farmers | $4,122 | $3,499 | $3,345 |
| Geico | $2,503 | $1,788 | $1,438 |
| Liberty Mutual | $3,520 | $2,141 | $1,684 |
| Nationwide | $5,260 | $4,389 | $4,389 |
| Progressive | $3,135 | $2,693 | $2,515 |
| State Farm | $3,018 | $1,733 | $1,319 |
| USAA | $2,922 | $1,553 | $1,243 |
Cheapest Janesville, WI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Janesville, WI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,986 | $4,127 | $3,872 | $3,734 |
| American Family | $1,405 | $1,489 | $1,489 | $1,489 |
| Farmers | $3,182 | $4,030 | $3,812 | $3,597 |
| Geico | $1,304 | $2,142 | $2,516 | $1,677 |
| Liberty Mutual | $1,865 | $2,674 | $2,759 | $2,497 |
| Nationwide | $3,957 | $4,577 | $5,608 | $4,577 |
| Progressive | $2,539 | $3,103 | $2,643 | $2,838 |
| State Farm | $1,844 | $2,203 | $2,023 | $2,023 |
| USAA | $1,491 | $1,884 | $2,547 | $1,701 |
Cheapest Janesville, WI Car Insurance for Teen Drivers
Teen car insurance in Janesville, WI can be expensive. Take a look at rates from the top car insurance companies in Janesville for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,178 | $9,181 |
| American Family | $2,880 | $3,154 |
| Farmers | $8,871 | $9,189 |
| Geico | $3,920 | $4,223 |
| Liberty Mutual | $5,151 | $5,770 |
| Nationwide | $6,740 | $10,393 |
| Progressive | $6,128 | $6,882 |
| State Farm | $3,773 | $4,740 |
| USAA | $3,263 | $3,770 |
Cheapest Janesville, WI Car Insurance for Seniors
Take a look at Janesville, WI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,988 | $2,190 |
| American Family | $857 | $858 |
| Farmers | $1,609 | $1,710 |
| Geico | $1,206 | $1,415 |
| Liberty Mutual | $1,164 | $1,318 |
| Nationwide | $2,642 | $2,774 |
| Progressive | $1,240 | $1,301 |
| State Farm | $1,111 | $1,111 |
| USAA | $1,146 | $1,158 |
Cheapest Janesville, WI Car Insurance Rates After a DUI
A DUI in Janesville, WI increases car insurance rates. Compare Janesville, Wisconsin DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,872 |
| American Family | $1,489 |
| Farmers | $3,812 |
| Geico | $2,516 |
| Liberty Mutual | $2,759 |
| Nationwide | $5,608 |
| Progressive | $2,643 |
| State Farm | $2,023 |
| USAA | $2,547 |
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Cheapest Janesville, WI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Janesville, WI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,591 | $3,768 |
| American Family | $1,443 | $1,493 |
| Farmers | $3,655 | $3,655 |
| Geico | $1,874 | $1,945 |
| Liberty Mutual | $2,449 | $2,449 |
| Nationwide | $4,680 | $4,680 |
| Progressive | $2,781 | $2,781 |
| State Farm | $1,973 | $2,074 |
| USAA | $1,881 | $1,930 |
Cheapest Janesville, WI Car Insurance Rates by ZIP Code
Janesville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Janesville, WI.
| ZIP Code | Average Annual Rates |
|---|---|
| 53545 | $2,673 |
| 53546 | $2,676 |
| 53548 | $2,688 |
The Best Cheap Car Insurance Companies in Janesville, WI
Take a look at a side-by-side comparison of the top car insurance companies in Janesville, WI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,680 |
| American Family | $1,468 |
| Farmers | $3,655 |
| Geico | $1,910 |
| Liberty Mutual | $2,449 |
| Nationwide | $4,680 |
| Progressive | $2,781 |
| State Farm | $2,023 |
| USAA | $1,906 |
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Category Winners: Cheapest Car Insurance in Janesville, Wisconsin
Find the cheapest car insurance companies in Janesville, WI for each category right here.
| 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 |
Cheapest Janesville, WI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Janesville car insurance rates. Find the cheapest Janesville, WI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,519 | $3,671 | $3,850 |
| American Family | $1,443 | $1,482 | $1,478 |
| Farmers | $3,350 | $3,628 | $3,988 |
| Geico | $1,755 | $1,910 | $2,064 |
| Liberty Mutual | $2,229 | $2,476 | $2,641 |
| Nationwide | $4,522 | $4,681 | $4,836 |
| Progressive | $2,583 | $2,809 | $2,951 |
| State Farm | $1,892 | $2,031 | $2,146 |
| USAA | $1,831 | $1,907 | $1,978 |
What affects car insurance rates in Janesville, Wisconsin?
What factors can have an impact on Janesville, WI car insurance? There are several reasons why Janesville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Janesville, Wisconsin.
Car Theft in Janesville
High levels of vehicle theft can make car insurance more expensive. Janesville, WI car theft statistics from the FBI indicate 64 vehicle thefts a year.
Commute Time in Janesville
The more time you spend in your car the higher the risk of an accident. The average commute length in Janesville, WI is 21.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Janesville, WI
Ready to find affordable Janesville, Wisconsin car insurance today? Enter your ZIP code for fast, free Janesville, WI car insurance quotes.
Frequently Asked Questions
Why should I compare car insurance rates in Janesville, WI?
Comparing car insurance rates in Janesville, WI can help you find the best coverage at the most affordable price. Insurance rates can vary significantly between different insurance providers, and comparing them allows you to identify potential savings and get the most value for your money. By comparing rates, you can ensure that you have adequate coverage while also potentially reducing your insurance premiums.
Are there any specific car insurance requirements in Janesville, WI?
Yes, Janesville, WI, like all other areas in Wisconsin, has specific car insurance requirements. The state mandates that drivers must carry liability insurance with minimum coverage limits of 25/50/10, which means:
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident if multiple people are injured
- $10,000 property damage liability coverage per accident
How often should I compare car insurance rates in Janesville, WI?
It’s recommended to compare car insurance rates in Janesville, WI at least once a year or when you experience significant life changes. Life events such as moving to a new address, purchasing a new vehicle, or adding a driver to your policy can impact your insurance rates. Additionally, market conditions and insurance providers may change their rates over time. By comparing rates annually or when significant changes occur, you can ensure that you are still getting the best possible coverage at a competitive price.
Can I switch car insurance providers if I find a better rate in Janesville, WI?
Yes, you have the freedom to switch car insurance providers in Janesville, WI if you find a better rate or coverage option. However, before switching, consider the following:
a. Policy cancellation: Check if there are any fees or penalties for canceling your current policy before its expiration date.
b. Seamless transition: Make sure there is no gap in coverage between your current policy and the new one to avoid potential risks.
c. Benefits and drawbacks: Evaluate the benefits and drawbacks of the new policy, including coverage limits, deductibles, customer service, and any additional perks.
d. Notify your previous insurer: Inform your previous insurer once you’ve made the switch to avoid any confusion or potential billing issues.
Switching insurance providers can be a straightforward process, but it’s essential to review the terms and conditions of your current policy and the new policy to ensure a smooth transition.
Are there any local discounts or programs for car insurance in Janesville, WI?
Some insurance providers may offer local discounts or programs for car insurance in Janesville, WI. These discounts could be specific to the region or may be available based on factors such as local affiliations or partnerships. To explore local discounts, consider contacting insurance agents or brokers in Janesville or conducting online research to see if there are any special programs or offers available. Additionally, you can inquire about discounts for participating in local safe driving courses or for installing certain safety features in your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.