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How much is car insurance in Waukesha?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Waukesha are on par with what you would pay anywhere else in Wisconsin.
Compared to the national average cost of auto insurance coverage, Waukesha has lower rates. Car insurance rates for the United States as a whole are, on average, $30 more expensive than the rates you'd pay in Waukesha.
While these numbers are the average rates for auto insurance in Waukesha, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Waukesha to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Waukesha.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Waukesha, where female drivers pay around $5 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Waukesha, drivers with one accident on their record will experience rates around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $88 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Waukesha are by and large trucks and vans, at $41 per month.
Car owners, on the other hand, typically pay around $52 a month, while SUV drivers can expect to pay about $49 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Waukesha, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Waukesha can be as much as $14 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Waukesha. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Waukesha, WI
Recent trends in car insurance for Waukesha drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Waukesha, car insurance rates went up from 2016-2019, when they hit a high of $64. Rates started to turn downward in 2020, and this pattern has continued through 2021, when rates have most recently reached $49.
How does Waukesha compare to neighboring areas?
Why are car insurance rates in Waukesha different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Off-street parking availability
- Local laws
- Local crime rates
- Road Safety (total number of local car accidents)
- Number of drivers
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Waukesha?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Waukesha.
Waukesha Insurance FAQs
What factors affect car insurance quotes in Waukesha?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Waukesha different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Waukesha?
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 Waukesha?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Waukesha or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.