Best Wausau, WI Car Insurance in 2025
Car insurance in Wausau, WI averages $237 a month. Wausau, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Wausau car insurance rates, compare quotes from the top car insurance companies in Wausau, WI.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
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,...
Kristen Gryglik
Updated October 2024
- Average car insurance rates in Wausau, WI are $2,841/year
- The cheapest car insurance company in Wausau is American Family
- The cheapest car insurance company in Wausau for teen drivers is American Family
If you need to buy Wausau, Wisconsin car insurance, the options can be confusing. Everything you need to know about car insurance in Wausau, WI is right here.
You’ll find Wausau car insurance rates, the cheapest Wausau, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Wausau, Wisconsin car insurance rates to Janesville car insurance rates, Madison car insurance rates, and Eau Claire car insurance rates.
Ready to find affordable Wausau, WI car insurance today? Enter your ZIP code for fast, free Wausau car insurance quotes.
Cheapest Wausau, WI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Wausau, WI car insurance rates? Every Wausau, 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 | $2,147 | $2,259 | $1,987 | $2,193 | $7,011 | $8,980 | $2,176 | $2,363 |
| American Family | $897 | $936 | $846 | $854 | $2,537 | $2,791 | $1,050 | $1,116 |
| Farmers | $1,854 | $1,857 | $1,645 | $1,740 | $8,671 | $8,989 | $2,104 | $2,208 |
| Geico | $1,086 | $1,203 | $1,146 | $1,332 | $3,655 | $3,926 | $1,004 | $1,022 |
| Liberty Mutual | $1,871 | $2,043 | $1,511 | $1,716 | $6,314 | $7,082 | $1,992 | $2,162 |
| Nationwide | $3,563 | $3,759 | $2,940 | $3,104 | $7,150 | $10,928 | $4,325 | $5,169 |
| Progressive | $1,619 | $1,527 | $1,326 | $1,393 | $6,383 | $7,182 | $1,934 | $2,093 |
| State Farm | $1,366 | $1,366 | $1,213 | $1,213 | $3,865 | $4,894 | $1,540 | $1,753 |
| USAA | $1,221 | $1,219 | $1,107 | $1,128 | $3,082 | $3,573 | $1,583 | $1,738 |
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Minimum Car Insurance in Wausau, WI
Every driver must carry the minimum car insurance required by the state in Wausau, 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 Wausau, WI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Wausau, WI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Wausau from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,777 | $3,289 | $2,853 |
| American Family | $1,847 | $1,215 | $1,073 |
| Farmers | $4,112 | $3,470 | $3,319 |
| Geico | $2,354 | $1,683 | $1,354 |
| Liberty Mutual | $4,456 | $2,687 | $2,116 |
| Nationwide | $5,753 | $4,799 | $4,799 |
| Progressive | $3,318 | $2,836 | $2,642 |
| State Farm | $3,209 | $1,842 | $1,402 |
| USAA | $2,817 | $1,488 | $1,189 |
Cheapest Wausau, 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 Wausau, WI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,969 | $4,083 | $3,820 | $3,686 |
| American Family | $1,320 | $1,398 | $1,398 | $1,398 |
| Farmers | $3,168 | $3,994 | $3,785 | $3,587 |
| Geico | $1,238 | $2,013 | $2,339 | $1,597 |
| Liberty Mutual | $2,359 | $3,353 | $3,482 | $3,152 |
| Nationwide | $4,326 | $5,004 | $6,134 | $5,004 |
| Progressive | $2,680 | $3,264 | $2,788 | $2,997 |
| State Farm | $1,981 | $2,322 | $2,151 | $2,151 |
| USAA | $1,438 | $1,808 | $2,441 | $1,639 |
Cheapest Wausau, WI Car Insurance for Teen Drivers
Teen car insurance in Wausau, WI can be expensive. Take a look at rates from the top car insurance companies in Wausau for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,011 | $8,980 |
| American Family | $2,537 | $2,791 |
| Farmers | $8,671 | $8,989 |
| Geico | $3,655 | $3,926 |
| Liberty Mutual | $6,314 | $7,082 |
| Nationwide | $7,150 | $10,928 |
| Progressive | $6,383 | $7,182 |
| State Farm | $3,865 | $4,894 |
| USAA | $3,082 | $3,573 |
Cheapest Wausau, WI Car Insurance for Seniors
Take a look at Wausau, 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 | $1,987 | $2,193 |
| American Family | $846 | $854 |
| Farmers | $1,645 | $1,740 |
| Geico | $1,146 | $1,332 |
| Liberty Mutual | $1,511 | $1,716 |
| Nationwide | $2,940 | $3,104 |
| Progressive | $1,326 | $1,393 |
| State Farm | $1,213 | $1,213 |
| USAA | $1,107 | $1,128 |
Cheapest Wausau, WI Car Insurance Rates After a DUI
A DUI in Wausau, WI increases car insurance rates. Compare Wausau, Wisconsin car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,820 |
| American Family | $1,398 |
| Farmers | $3,785 |
| Geico | $2,339 |
| Liberty Mutual | $3,482 |
| Nationwide | $6,134 |
| Progressive | $2,788 |
| State Farm | $2,151 |
| USAA | $2,441 |
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Cheapest Wausau, WI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Wausau, 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 | $3,552 | $3,727 |
| American Family | $1,355 | $1,401 |
| Farmers | $3,634 | $3,634 |
| Geico | $1,762 | $1,832 |
| Liberty Mutual | $3,086 | $3,086 |
| Nationwide | $5,117 | $5,117 |
| Progressive | $2,932 | $2,932 |
| State Farm | $2,098 | $2,205 |
| USAA | $1,808 | $1,855 |
The Best Cheap Car Insurance Companies in Wausau, WI
Take a look at a side-by-side comparison of the top car insurance companies in Wausau, WI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,640 |
| American Family | $1,378 |
| Farmers | $3,634 |
| Geico | $1,797 |
| Liberty Mutual | $3,086 |
| Nationwide | $5,117 |
| Progressive | $2,932 |
| State Farm | $2,151 |
| USAA | $1,831 |
Category Winners: Cheapest Car Insurance in Wausau, Wisconsin
Find the cheapest car insurance companies in Wausau, 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 |
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Cheapest Wausau, WI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Wausau car insurance rates. Find the cheapest Wausau, WI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,478 | $3,630 | $3,811 |
| American Family | $1,361 | $1,391 | $1,383 |
| Farmers | $3,358 | $3,604 | $3,938 |
| Geico | $1,655 | $1,797 | $1,939 |
| Liberty Mutual | $2,861 | $3,112 | $3,287 |
| Nationwide | $4,977 | $5,116 | $5,259 |
| Progressive | $2,715 | $2,959 | $3,122 |
| State Farm | $2,030 | $2,158 | $2,266 |
| USAA | $1,763 | $1,833 | $1,898 |
What affects car insurance rates in Wausau, Wisconsin?
What are the factors that affect car insurance rates in Wausau, WI? There are several reasons why Wausau car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wausau, Wisconsin.
Car Theft in Wausau
High levels of vehicle theft can make car insurance more expensive. Wausau, WI car theft statistics from the FBI indicate 41 vehicle thefts a year.
Commute Time in Wausau
The more time you spend in your car the higher the risk of an accident. The average commute length in Wausau, WI is 15.3 minutes according to City-Data.
Compare Car Insurance Quotes in Wausau, WI
Ready to find affordable Wausau, Wisconsin car insurance today? Enter your ZIP code for fast, free Wausau, WI car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Wausau, WI?
Compare rates by gathering information, researching providers, requesting quotes, comparing coverage options, considering customer reviews, analyzing costs, and making an informed decision.
What factors influence car insurance rates in Wausau, WI?
Factors include driving record, vehicle details, coverage options, deductibles, age, gender, credit history, mileage, location, and claim history.
Are there specific car insurance requirements in Wausau, WI?
Yes, Wausau, WI requires liability insurance with minimums of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage.
Are there discounts available to lower car insurance rates in Wausau, WI?
Yes, discounts may include good driver, bundling, safety features, good student, defensive driving course, low mileage, and affiliation discounts.
Can my credit score affect my car insurance rates in Wausau, WI?
Yes, credit scores can impact car insurance rates, as some insurers use credit-based insurance scores to assess claim likelihood.
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