Sheboygan, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Sheboygan, 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 Sheboygan, 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.
- Sheboygan, WI Auto Insurance Rates
- Sheboygan, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Sheboygan, WI
- Multi Vehicle Insurance Savings in Sheboygan, WI
- How Credit Score Affects Car Insurance Rates in Sheboygan, WI
- How DUI Affects Auto Insurance Premiums in Sheboygan, WI
- How Driving Violations Affect Auto Insurance Rates in Sheboygan, WI
- Sheboygan, WI Auto Insurance Discounts on Anti Theft Feature
- Sheboygan, WI Auto Insurance Company Reviews
Sheboygan, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Sheboygan, WI with that of other cities in and around Sheboygan.
| Sheboygan | Kohler | Wilson | Mosel | Sheboygan Falls | Gibbsville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $992 | $1,148 | $1,126 | $1,112 | $1,082 | $1,194 |
Sheboygan, 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 Sheboygan, 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) |
|---|---|---|
| Sheboygan County | $1,518 | $1,282 |
| Sheboygan | $1,946 | $1,643 |
| Kohler | $1,251 | $1,057 |
| Sheboygan Falls | $2,837 | $2,396 |
| Wilson | $1,516 | $1,281 |
| Mosel | $1,302 | $1,100 |
| Howards Grove | $1,078 | $911 |
| Gibbsville | $1,063 | $898 |
Sheboygan, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Sheboygan, 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 | $3,219 |
| 20 Years | $1,275 |
| 30 Years | $982 |
| 40 Years | $945 |
| 50 Years | $875 |
| 60 Years | $887 |
| 70 Years | $1,032 |
Sheboygan, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Sheboygan, 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 | $1,726 | $258 |
| 3 Vehicles | $2,589 | $387 |
| 4 Vehicles | $3,452 | $516 |
Savings on 2 Vehicles bundle:$258
Savings on 3 Vehicles bundle:$387
Savings on 4 Vehicles bundle:$516
Sheboygan, 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 Sheboygan, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Sheboygan County | $1,088 | $2,095 |
| Sheboygan | $992 | $1,910 |
| Kohler | $1,148 | $2,210 |
| Sheboygan Falls | $1,082 | $2,083 |
| Wilson | $1,126 | $2,168 |
| Mosel | $1,112 | $2,141 |
| Howards Grove | $1,100 | $2,118 |
| Gibbsville | $1,194 | $2,299 |
Sheboygan, 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) | $851 |
| Excellent (740-799) | $972 |
| Good (670-739) | $1,034 |
| Average (580-669) | $1,349 |
| Poor (300-579) | $1,618 |
Sheboygan, 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 | +$44 | $1,036 |
| Driver's Failure In Showing Documents | +$96 | $1,088 |
| Driving With An Expired Registration | +$102 | $1,094 |
| Driving At A Considerably Slow Pace | +$215 | $1,207 |
| Using A Cellphone While Driving | +$227 | $1,219 |
| Running A Red Light | +$231 | $1,223 |
| Speeding | +$243 | $1,235 |
| Driving A Vehicle Without The Required Permission | +$309 | $1,301 |
| Driving With An Expired/Suspended License | +$669 | $1,661 |
Sheboygan, 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 | $952 |
| Active Disabling Device | $952 |
| Tracking Device | $932 |
| Passive Disabling Device | $923 |
Latest Auto Insurance Reviews in Sheboygan, WI | Back to Top
State FarmThey offered the same things as all the other insurance companies around here. I didn't have to sacrifice anything by switching to them, they had all the options I needed.
State FarmThe premiums and deductibles for my auto insurance are WAY better than those related to my home owners insurance policy.
Farmer's InsuranceI would recommend my insurance company because it has been reliable and trustworthy. I have used them for years and have had no problems.
Liberty MutualLiberty Mutual has much lower rates, and even lets you prepay for a year's worth of insurance rather than just six months. Also the package was more customization and the ability to add on just the parts you needed.
State FarmI have had a good experience with state farm. I applied inline and in a few minutes a agent called and set me up. And they been good for 3 or 4 years now.
AllstateMy experience with the customer service has been very good. I have got a reply immediately to my queries.
Safeco InsuranceWe have a very low deductible in case we ever are at fault and have to use the policy. When we compare the deductible with the coverage of other companies, we always come out ahead.
Hastings MutualBoth the premium and deductible are fair and comparable with other insurance company policies that offered the same coverage. They also offer a number of incentives and perks that have increased over the years we have been with them, which in turn has lowered the premium.
Hastings MutualBoth the premium and deductible are fair and comparable with other insurance company policies that offered the same coverage. They also offer a number of incentives and perks that have increased over the years we have been with them, which in turn has lowered the premium.
AllstateFirst of all, I really appreciate that the company offers outstanding customer service. It was very easy to get my policy started and they offered me a competitive rate that made me want to switch from my other insurance provider. I have used roadside assistance once and it went over really well--Someone showed up very promptly. I would recommend this company to family and friends.
AllstateThe staff is are always accessible and responsive. If I need info, make a claim or change to the coverage I get the answers almost immediately response