Oshkosh, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Oshkosh, 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.
Factors that can influence the cost of car insurance in Oshkosh, 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.
- Oshkosh, WI Auto Insurance Rates
- Oshkosh, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oshkosh, WI
- Multi Vehicle Insurance Savings in Oshkosh, WI
- How Credit Score Affects Car Insurance Rates in Oshkosh, WI
- How DUI Affects Auto Insurance Premiums in Oshkosh, WI
- Top Auto Insurance Agents Near Oshkosh, WI
- How Driving Violations Affect Auto Insurance Rates in Oshkosh, WI
- Oshkosh, WI Auto Insurance Discounts on Anti Theft Feature
- Oshkosh, WI Auto Insurance Company Reviews
Oshkosh, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Oshkosh, WI with that of other cities in and around Oshkosh.
| Oshkosh | Vinland | Nekimi | Butte des Morts | Algoma | Winnebago County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $903 | $1,139 | $1,122 | $1,172 | $1,125 | $1,087 |
Oshkosh, 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 Oshkosh, 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) |
|---|---|---|
| Oshkosh | $1,075 | $908 |
| Algoma | $2,074 | $1,752 |
| Vinland | $1,255 | $1,060 |
| Winnebago County | $1,521 | $1,285 |
| Nekimi | $1,452 | $1,227 |
| Black Wolf | $1,151 | $972 |
| Butte des Morts | $2,358 | $1,991 |
| Omro | $2,834 | $2,393 |
Oshkosh, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Oshkosh, 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 | $2,930 |
| 20 Years | $1,160 |
| 30 Years | $894 |
| 40 Years | $860 |
| 50 Years | $796 |
| 60 Years | $807 |
| 70 Years | $940 |
Oshkosh, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Oshkosh, 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 | $1,535 | $271 |
| 3 Vehicles | $2,303 | $406 |
| 4 Vehicles | $3,070 | $542 |
Savings on 2 Vehicles bundle:$271
Savings on 3 Vehicles bundle:$406
Savings on 4 Vehicles bundle:$542
Oshkosh, 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 Oshkosh, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Oshkosh | $903 | $1,739 |
| Algoma | $1,125 | $2,166 |
| Vinland | $1,139 | $2,193 |
| Winnebago County | $1,087 | $2,093 |
| Nekimi | $1,122 | $2,160 |
| Black Wolf | $1,117 | $2,151 |
| Butte des Morts | $1,172 | $2,257 |
| Omro | $1,394 | $2,684 |
Oshkosh, 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) | $775 |
| Excellent (740-799) | $884 |
| Good (670-739) | $941 |
| Average (580-669) | $1,228 |
| Poor (300-579) | $1,473 |
Oshkosh, 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 |
|---|---|---|---|
| Insurance Services By Karen Llc | Erie | 375 City Ctr Suite A, Oshkosh, 54901 | None |
| Lyndee Lewis | State Farm | 1050 Witzel Ave, Oshkosh, 54902-5720 | 920-231-9710 |
| Alan Jordan | State Farm | 201 Kettle Moraine Dr N, Slinger, 53086 | 262-644-6586 |
| Blia Vang | State Farm | 3005 S 12th St, Sheboygan, 53081-6749 | 920-452-2482 |
| Cs Insurance Services | Erie | 127 N Main Street, Hartford, 53027 | None |
| Gundrum Insurance & Investments Llc | None | 101 E Washington St, Slinger, 53086 | None |
| Fwg Insurance Services Llc | Erie | 39 S Marr Street Suite F, Fond Du Lac, 54935 | None |
| Fwg Insurance Services Llc | Erie | 39 S Marr Street Suite F, Fond Du Lac, 54935 | None |
| Frangquist Insurance Agency Inc | Travelers | 15 LONE OAK LANE, HARTFORD, 53027 | 262-673-9000 |
| Walter Insurance Agency | None | 4968 Eagle Ln , West Bend, 53095 | None |
Oshkosh, 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 | +$40 | $943 |
| Driver's Failure In Showing Documents | +$88 | $991 |
| Driving With An Expired Registration | +$93 | $996 |
| Driving At A Considerably Slow Pace | +$196 | $1,099 |
| Using A Cellphone While Driving | +$207 | $1,110 |
| Running A Red Light | +$210 | $1,113 |
| Speeding | +$221 | $1,124 |
| Driving A Vehicle Without The Required Permission | +$281 | $1,184 |
| Driving With An Expired/Suspended License | +$609 | $1,512 |
Oshkosh, 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 | $867 |
| Active Disabling Device | $867 |
| Tracking Device | $849 |
| Passive Disabling Device | $840 |
Latest Auto Insurance Reviews in Oshkosh, WI | Back to Top
State FarmOverall, I have been pretty satisfied with my car insurance company. I have not had to make a claim with them, but they have been great when I was hit by someone else.
ProgressiveProgressive customer service is very good. They respond very quickly and follow up completely to make sure all of your needs are meet.
AllstateThey have always been great. They answer my questions and pick up the telephone within 5 minutes. They are very nice and seem eager to help in anyway possible.
ProgressiveI'm sure that if i went with a big name company, I'd have the same coverage but I'd be paying more every month out of pocket for it. I don't understand why people don't shop around.
AllstateI am pretty satisfied with the premium and deductible and once again I chose what i can afford and not put me at risk for affording the deductible if something happens. I need to be able to have a quick turn around in service if something happens.
AllstateI am pretty satisfied with the premium and deductible and once again I chose what i can afford and not put me at risk for affording the deductible if something happens. I need to be able to have a quick turn around in service if something happens.
21st Century Auto InsuranceI would give my company a 5 for the premium. Other companies are very expensive and they offer less policies than my company does. I am very satisfied with the prices that I pay.
ProgressiveThe only thing that I dislike is that no matter how long I've been with them, my rate never goes down and I've been with them for like 8 years.
State FarmThere is very little I dislike about the company. If I had to pick something, I would say that I receive way too much mail from them.