La Crosse Auto Insurance Rates, Quotes, Agents & Reviews in WI

La Crosse, WI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in La Crosse, WI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in La Crosse, WI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


La Crosse, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in La Crosse, WI with that of other cities in and around La Crosse.

La Crosse La Crescent Shelby Dresbach Campbell Medary
Average Insurance Rates $921 $1,292 $1,118 $1,392 $1,411 $1,130

La Crosse, WI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around La Crosse, WI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
La Crosse $1,086 $917
Medary $1,694 $1,431
French Island $1,653 $1,396
La Crescent $1,444 $1,220
Shelby $2,608 $2,203
Onalaska $1,712 $1,446
Campbell $1,453 $1,228
Dresbach $1,391 $1,175

La Crosse, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in La Crosse, WI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $2,988
20 Years $1,183
30 Years $911
40 Years $877
50 Years $812
60 Years $823
70 Years $958

La Crosse, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in La Crosse, WI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,566 $276
3 Vehicles $2,349 $414
4 Vehicles $3,131 $553

Savings on 2 Vehicles bundle:$276

Savings on 3 Vehicles bundle:$414

Savings on 4 Vehicles bundle:$553


La Crosse, WI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around La Crosse, WI.

Location Average Insurance Cost Post DUI Insurance Rate
La Crosse $921 $1,773
Medary $1,130 $2,176
French Island $1,411 $2,717
La Crescent $1,292 $2,359
Shelby $1,118 $2,153
Onalaska $1,103 $2,124
Campbell $1,411 $2,717
Dresbach $1,392 $2,541

La Crosse, WI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $790
Excellent (740-799) $902
Good (670-739) $960
Average (580-669) $1,252
Poor (300-579) $1,502

La Crosse, WI Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Townsend Insurance Travelers 3629C MORMON COULEE RD, LA CROSSE, 54601 608-788-4258
Bryan Helgeson State Farm 106 S Holmen Dr, Holmen, 54636-9467 608-526-1866
Mary Thompson Allstate 2408 State Rd, La Crosse, 54601 (608) 783-1289
Scott Davis State Farm 1540 Heritage Blvd Suite 302, West Salem, 54669-1418 608-786-4580
Carrier Eddy Ins Group Llc Liberty Mutual Independent 1228 CALEDONIA ST, LA CROSSE, 54603 (608) 784-6879
Brown & Brown Insurance Of Wisconsin Inc Liberty Mutual Independent 1131 MAIN ST, ONALASKA, 54650 (800) 657-5181
Paul Dunham State Farm 2100 State Road 16, La Crosse, 54601-3046 608-784-4024

La Crosse, WI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$41 $962
Driver's Failure In Showing Documents +$89 $1,010
Driving With An Expired Registration +$95 $1,016
Driving At A Considerably Slow Pace +$200 $1,121
Using A Cellphone While Driving +$211 $1,132
Running A Red Light +$215 $1,136
Speeding +$226 $1,147
Driving A Vehicle Without The Required Permission +$286 $1,207
Driving With An Expired/Suspended License +$621 $1,542

La Crosse, WI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $884
Active Disabling Device $884
Tracking Device $866
Passive Disabling Device $857

Latest Auto Insurance Reviews in La Crosse, WI | Back to Top

Progressive
I like Progressive auto insurance because it provided safe driver discounts, it has good coverage, the rate is competitive to other auto insurance, and the app is very convenient.
Progressive
Progressive has been great. They are easy to communicate with and mostly everything can be done online. Very helpful and great rates.
State Farm
insurance company customer service is very closed and its very true in the matter ,i liked in the company customer service
Liberty Mutual
My car insuranc company tries to send me offers, but is not offers I'm not currently intersted in, or revelant to my needs as a driver. If any offerings do arise, it sounds great coverage, everything, downfall is the steep price. I think this applies to all companies.
Liberty Mutual
My car insuranc company tries to send me offers, but is not offers I'm not currently intersted in, or revelant to my needs as a driver. If any offerings do arise, it sounds great coverage, everything, downfall is the steep price. I think this applies to all companies.
Allstate
I like being able to bundle my insurance coverages with my home and have my price be cheaper. I like that there are so many ways to contact my agent and the accident coverage we have had so far.
Metlife
the premium in comparison other companies is quite affordable and economical without leaving aside the quality allowing this to have more clients