Best Manitowoc, WI Car Insurance in 2024
Car insurance in Manitowoc, WI averages $216 a month. Manitowoc, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Manitowoc car insurance rates, compare quotes from the top car insurance companies in Manitowoc, WI.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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 Manitowoc, WI are $2,597/year
- The cheapest car insurance company in Manitowoc for teen drivers is American Family
- The cheapest car insurance company in Manitowoc is American Family
If you need to buy Manitowoc, Wisconsin car insurance, the options can be confusing. Everything you need to know about car insurance in Manitowoc, WI is right here.
You’ll find Manitowoc car insurance rates, the cheapest Manitowoc, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Manitowoc, Wisconsin car insurance rates to Eau Claire car insurance rates, La Crosse car insurance rates, and Milwaukee car insurance rates.
Ready to find affordable Manitowoc, WI car insurance today? Enter your ZIP code for fast, free Manitowoc car insurance quotes.
Cheapest Manitowoc, WI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Manitowoc, WI car insurance rates? Every Manitowoc, 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 | $2,020 | $2,124 | $1,872 | $2,063 | $6,583 | $8,421 | $2,045 | $2,217 |
| American Family | $815 | $847 | $787 | $789 | $2,547 | $2,785 | $962 | $1,019 |
| Farmers | $1,669 | $1,665 | $1,477 | $1,572 | $8,137 | $8,414 | $1,894 | $1,972 |
| Geico | $1,191 | $1,321 | $1,254 | $1,460 | $4,000 | $4,299 | $1,100 | $1,124 |
| Liberty Mutual | $1,587 | $1,729 | $1,281 | $1,454 | $5,627 | $6,311 | $1,685 | $1,821 |
| Nationwide | $2,831 | $2,972 | $2,363 | $2,484 | $5,992 | $9,236 | $3,461 | $4,065 |
| Progressive | $1,690 | $1,611 | $1,387 | $1,443 | $6,298 | $7,108 | $2,021 | $2,174 |
| State Farm | $1,169 | $1,169 | $1,046 | $1,046 | $3,424 | $4,317 | $1,320 | $1,512 |
| USAA | $1,071 | $1,065 | $980 | $989 | $2,761 | $3,180 | $1,379 | $1,504 |
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Minimum Car Insurance in Manitowoc, WI
Every driver must carry the minimum car insurance required by the state in Manitowoc, 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 Manitowoc, WI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Manitowoc, WI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Manitowoc from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,480 | $3,090 | $2,685 |
| American Family | $1,773 | $1,160 | $1,023 |
| Farmers | $3,782 | $3,205 | $3,063 |
| Geico | $2,582 | $1,843 | $1,481 |
| Liberty Mutual | $3,867 | $2,347 | $1,846 |
| Nationwide | $4,694 | $3,916 | $3,916 |
| Progressive | $3,380 | $2,862 | $2,657 |
| State Farm | $2,797 | $1,606 | $1,224 |
| USAA | $2,466 | $1,321 | $1,061 |
Cheapest Manitowoc, WI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Manitowoc, WI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,790 | $3,831 | $3,588 | $3,464 |
| American Family | $1,264 | $1,337 | $1,337 | $1,337 |
| Farmers | $2,916 | $3,694 | $3,494 | $3,296 |
| Geico | $1,357 | $2,205 | $2,556 | $1,756 |
| Liberty Mutual | $2,048 | $2,931 | $3,028 | $2,740 |
| Nationwide | $3,531 | $4,084 | $5,004 | $4,084 |
| Progressive | $2,719 | $3,285 | $2,822 | $3,040 |
| State Farm | $1,719 | $2,032 | $1,875 | $1,875 |
| USAA | $1,267 | $1,598 | $2,154 | $1,445 |
Cheapest Manitowoc, WI Car Insurance for Teen Drivers
Teen car insurance in Manitowoc, WI can be expensive. Take a look at rates from the top car insurance companies in Manitowoc for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,583 | $8,421 |
| American Family | $2,547 | $2,785 |
| Farmers | $8,137 | $8,414 |
| Geico | $4,000 | $4,299 |
| Liberty Mutual | $5,627 | $6,311 |
| Nationwide | $5,992 | $9,236 |
| Progressive | $6,298 | $7,108 |
| State Farm | $3,424 | $4,317 |
| USAA | $2,761 | $3,180 |
Cheapest Manitowoc, WI Car Insurance for Seniors
Take a look at Manitowoc, WI rates on car insurance for seniors 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 | $1,872 | $2,063 |
| American Family | $787 | $789 |
| Farmers | $1,477 | $1,572 |
| Geico | $1,254 | $1,460 |
| Liberty Mutual | $1,281 | $1,454 |
| Nationwide | $2,363 | $2,484 |
| Progressive | $1,387 | $1,443 |
| State Farm | $1,046 | $1,046 |
| USAA | $980 | $989 |
Cheapest Manitowoc, WI Car Insurance Rates After a DUI
A DUI in Manitowoc, WI increases car insurance rates. Compare Manitowoc, Wisconsin car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,588 |
| American Family | $1,337 |
| Farmers | $3,494 |
| Geico | $2,556 |
| Liberty Mutual | $3,028 |
| Nationwide | $5,004 |
| Progressive | $2,822 |
| State Farm | $1,875 |
| USAA | $2,154 |
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Cheapest Manitowoc, WI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Manitowoc, 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 | $3,337 | $3,500 |
| American Family | $1,297 | $1,341 |
| Farmers | $3,350 | $3,350 |
| Geico | $1,929 | $2,009 |
| Liberty Mutual | $2,687 | $2,687 |
| Nationwide | $4,176 | $4,176 |
| Progressive | $2,967 | $2,967 |
| State Farm | $1,829 | $1,922 |
| USAA | $1,595 | $1,637 |
The Best Cheap Car Insurance Companies in Manitowoc, WI
Take a look at a side-by-side comparison of the top car insurance companies in Manitowoc, WI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,418 |
| American Family | $1,319 |
| Farmers | $3,350 |
| Geico | $1,969 |
| Liberty Mutual | $2,687 |
| Nationwide | $4,176 |
| Progressive | $2,967 |
| State Farm | $1,875 |
| USAA | $1,616 |
Category Winners: Cheapest Car Insurance in Manitowoc, Wisconsin
Find the cheapest car insurance companies in Manitowoc, WI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | American Family |
| Clean Record | American Family |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | American Family |
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Cheapest Manitowoc, WI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Manitowoc car insurance rates. Find the cheapest Manitowoc, WI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,276 | $3,410 | $3,569 |
| American Family | $1,295 | $1,331 | $1,330 |
| Farmers | $3,065 | $3,322 | $3,662 |
| Geico | $1,809 | $1,967 | $2,130 |
| Liberty Mutual | $2,460 | $2,710 | $2,891 |
| Nationwide | $4,032 | $4,176 | $4,320 |
| Progressive | $2,761 | $2,993 | $3,145 |
| State Farm | $1,765 | $1,881 | $1,980 |
| USAA | $1,547 | $1,617 | $1,683 |
What affects car insurance rates in Manitowoc, Wisconsin?
What are the factors that affect car insurance rates in Manitowoc, WI? There are several reasons why Manitowoc car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Manitowoc, Wisconsin.
Car Theft in Manitowoc
High levels of vehicle theft can make car insurance more expensive. Manitowoc, WI car theft statistics from the FBI indicate 26 vehicle thefts a year.
Commute Time in Manitowoc
The more time you spend in your car the higher the risk of an accident. The average commute length in Manitowoc, WI is 15.8 minutes according to City-Data.
Compare Car Insurance Quotes in Manitowoc, WI
Ready to find affordable Manitowoc, Wisconsin car insurance today? Enter your ZIP code for fast, free Manitowoc, WI car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors determine car insurance rates in Manitowoc, WI?
Car insurance rates in Manitowoc, WI are influenced by several factors. These include your driving history, age, gender, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductible amount. Additionally, factors specific to Manitowoc, WI, such as local traffic patterns, crime rates, and accident statistics, can also impact insurance rates.
How can I compare car insurance rates in Manitowoc, WI?
To compare car insurance rates in Manitowoc, WI, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Manitowoc, WI.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates in Manitowoc, WI higher than average?
Car insurance rates in Manitowoc, WI can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates in Manitowoc may differ from the national or state average, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates in Manitowoc, WI?
Yes, there are several ways you can potentially lower your car insurance rates in Manitowoc, WI:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but remember that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, multi-car discounts, or discounts for installing safety features in your vehicle.
Are there any specific car insurance requirements in Manitowoc, WI?
Yes, like all states in the U.S., Wisconsin has specific car insurance requirements. In Manitowoc, WI, drivers must carry liability insurance coverage with the following minimum limits:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $10,000 for property damage per accident
How often should I compare car insurance rates in Manitowoc, WI?
It’s a good idea to compare car insurance rates in Manitowoc, WI at least once a year or whenever you experience a significant change in your circumstances, such as getting a new vehicle, moving to a different address, or experiencing changes in your credit score or driving record. Regularly reviewing your options can help ensure you’re getting the best coverage at the most competitive rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.