Table of contents
How much is car insurance in Appleton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Appleton as it does in the rest of Wisconsin.
Similarly, when compared to the national average, the cost for auto insurance in Appleton is lower. You can expect to pay about $30 less for your policy in Appleton than in the rest of U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Appleton, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Appleton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $42 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Appleton may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Appleton, although women do pay slightly less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Appleton, having a single accident on your record will usually get you rates around $58 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $108.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$25|
|15 Years or Older||$45|
If you look at the first table above, the cheapest vehicles to insure in Appleton are usually SUVs, at $44 per month.
SUV owners, on the other hand, typically pay around $44 a month, while truck and van drivers can expect to pay about $59 per month to insure their vehicle.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Appleton, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Appleton follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$35|
One other element taken into consideration is your living situation. In Appleton, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Appleton, WI
Recent trends in car insurance for Appleton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for car insurance in Appleton dropped from 2016-2017, before leveling out in 2018. They dropped again recently, reaching a low of $28 in 2021.
How does Appleton compare to neighboring areas?
Why are car insurance rates in Appleton different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (frequency of local car accidents)
- Total amount of drivers in the community
- Area crime rates
- Area regulations
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Appleton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Appleton.
Appleton Insurance FAQs
What factors affect car insurance quotes in Appleton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Appleton different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Appleton?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Appleton?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Appleton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?