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.
Discounts Available on Car Insurance in La Crosse, WI
The average cost of car insurance in La Crosse, WI, is $921. Compared to neighboring cities like La Crescent ($1292), Shelby ($1118), Dresbach ($1392), Campbell ($1411), and others, car drivers can obtain cheap car insurance in La Crosse, WI. If you live in La Crosse, you may be able to get a discount on your car insurance. You can find out about the lowest coverage requirements in your state by doing some research. The required coverage, however, may differ from one driver to the next and from one insurance to another. There are different ways to get a discount, and each company has different requirements. Here are a few tips to help you get the best deal on your car insurance.
1. List of Car Insurance Companies in La Crosse, WI
The best way to get the cheapest rates on car insurance in La Crosse, WI, is to shop around and compare prices from different companies. You can do this by getting quotes from different insurers online or by contacting them directly. It is also a good idea to check with your local insurance department to see if they have any recommendations for insurers in your area. Refer below to know cheap car insurance in La Crosse, WI.
2. Car Insurance in La Crosse, WI, Based on Age
Car insurance rates in La Crosse, WI, vary based on the driver's age. For example, drivers under the age of 25 are typically charged higher rates than older drivers. This is because younger drivers are considered to be riskier by insurance companies. They are more likely to get into accidents and make insurance claims. As a result, insurance companies charge them higher rates to offset the risk. For instance, teenagers pay $2,988 for car insurance in La Crosse, WI. At the same time, drivers in their 30s and 40s pay $911 and $877 for auto insurance in La Crosse, WI. However, there are ways for young drivers to get discounts on their car insurance. For example, some insurance companies offer discounts for students who maintain good grades. Additionally, many insurance companies offer safe driver discounts to drivers with no accidents or traffic violations.
3. Car Insurance in La Crosse, WI, Based on Driving Habits
Car insurance rates are largely based on driving records for drivers in La Crosse, WI. A clean record with no accidents or violations will result in the lowest rates, while a history of accidents and violations will result in higher rates. Insurance companies use the driving record to predict future claims costs, and those with a history of accidents or violations are considered a higher risk. This means they are more likely to file a claim, and the insurance company will charge a higher premium to cover the increased risk. Maintaining a clean driving record is the best way to keep car insurance rates low. For example, in La Crosse, Wisconsin, drivers who run red lights or have expired licenses will see an increase in their auto insurance rates of +$215 and +$621, respectively. Driving responsibly is, therefore, crucial if you want to find affordable car insurance in La Crosse, Wisconsin.
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 Rates
- La Crosse, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in La Crosse, WI
- Multi Vehicle Insurance Savings in La Crosse, WI
- How Credit Score Affects Car Insurance Rates in La Crosse, WI
- How DUI Affects Auto Insurance Premiums in La Crosse, WI
- Top Auto Insurance Agents Near La Crosse, WI
- How Driving Violations Affect Auto Insurance Rates in La Crosse, WI
- La Crosse, WI Auto Insurance Discounts on Anti Theft Feature
- La Crosse, WI Auto Insurance Company Reviews
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
ProgressiveI 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.
ProgressiveProgressive has been great. They are easy to communicate with and mostly everything can be done online. Very helpful and great rates.
State Farminsurance company customer service is very closed and its very true in the matter ,i liked in the company customer service
Liberty MutualMy 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 MutualMy 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.
AllstateI 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.
Metlifethe premium in comparison other companies is quite affordable and economical without leaving aside the quality allowing this to have more clients