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Cheapest car insurance in Eau Claire, Wisconsin (Mar 2024)

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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Eau Claire

On average,
auto insurance
in Eau Claire costs about $70 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Eau Claire drivers pay 38% less than the
Wisconsin
average.  
Although it would be convenient, Wisconsin does not have a single
car insurance
provider that consistently offers the cheapest rates for everyone. Instead, savvy shoppers know that one of the best ways to find cheap auto insurance in Eau Claire, Wisconsin is to compare quotes from multiple providers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$133
Garrett, 31
Zip: 54703
Hyundai Elantra Blue
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$61
Emma, 33
Zip: 54701
Chevrolet Sonic LS
• 250,000/500,000 Liability
Nationwide
$91
Chase, 33
Zip: 54701
Nissan Rogue Select S
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$78
Iva, 46
Zip: 54701
Dodge Grand Caravan SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024

Best Car Insurance Companies in Eau Claire

Jerry
wanted to know what car insurance companies offered the cheapest rates in Eau Claire, so we conducted the largest insurance shopping survey nationwide, analyzing information from more than 15,000 policyholders over 18 months.
Here’s what we learned: No car insurance company offers the cheapest rates for everyone. This is mainly because car insurance rates are based on various factors particular to individuals.
The easiest way to find the best
car insurance rates
is to
shop around
and compare quotes from multiple providers. But don’t just look at rates—claims handling and customer service are essential, too.
If you need help, check out the table below to see how Eau Claire drivers rated some popular insurers on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Safeco
4.8
4.8
N/A
4.7
Progressive
4.3
4
4.8
4.3
Bristol West
4.2
4.2
N/A
3.7
Geico
3.8
3.3
3.3
3.5
State Farm
3.7
3.7
N/A
3.3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Eau Claire

Wisconsin driving laws
mandate that drivers must carry minimum
liability coverage
on their car insurance policy. It’s often a good idea for many drivers to opt for
full coverage
for greater protection for their vehicle and wallet.

Cheap minimum liability insurance quotes in Eau Claire

At a minimum, Eau Claire drivers must have the following liability coverage limits:
You’ll commonly hear the Wisconsin insurance limits called the 25/50/10 rule.
On top of liability coverage, drivers must carry a minimum of $25,000 per person and $50,000 per accident of
uninsured motorist coverage
for bodily injury.
Here’s a look at rates Eau Claire drivers have found for minimum liability coverage with Jerry’s help.
card cover
Craig (49 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54703)
$128
per month
card cover
Iva (46 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54701)
carDodge Grand Caravan SXT
$78
per month
card cover
Leah (34 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54701)
$112
per month
card cover
Mary (25 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54703)
carMercedes-Benz GLA 250 4matic
$89
per month

Do you need more than minimum coverage in Eau Claire?

In most cases, Eau Claire drivers are often better off choosing higher car insurance limits than Wisconsin’s legally required minimums.
If you’re involved in a serious car accident, expenses can quickly exceed these limits. After an at-fault accident, your insurance provider will cover costs up to your policy limits, but you’ll be responsible for covering any costs that exceed your limits. 
Our recommendation: For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Eau Claire

If you want protection for your vehicle, you’ll want to add full coverage to your policy.
Full coverage generally refers to both
comprehensive
and
collision coverage
:
  • Collision insurance: Covers vehicle repairs or replacement costs after an accident.
  • Comprehensive insurance: Covers vehicle repairs or replacement costs after damages caused by other incidents, including vandalism, theft, severe weather, or hitting an animal.
If you have a car loan: It’s common for lenders to require that you keep full coverage on your car insurance policy until your loan is paid off.
Eau Claire drivers have found cheap rates for full coverage car insurance.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$133
Garrett, 31
Zip: 54703
Hyundai Elantra Blue
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$91
Chase, 33
Zip: 54701
Nissan Rogue Select S
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$63
Luke, 45
Zip: 54701
Hyundai Sonata SE
coverageLast Updated Mar 25, 2024
The easiest way to find the right coverage at the right price in Eau Claire is to compare insurance quotes from multiple providers. Jerry,
the nation's leading insurance agency
, streamlines this process using an online app to deliver quick quote comparisons and 24/7 support from a network of over 100 licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Eau Claire

The data from Jerry’s study shows that in Eau Claire, the average cost for minimum liability coverage is $840 per year or $70 per month. For full coverage, the average cost is $1,799 per year or $150 per month.
Of course, averages can be helpful when trying to predict insurance costs, but your actual car insurance rate will depend on a variety of factors, including: 
  • The type of car you drive
  • Where you keep your car
  • Your driving record
  • Your age, gender, and other demographics
  • Your coverage needs and insurance history
Based on this, your rate could be hundreds of dollars above or below the Wisconsin average.

Average cost of car insurance in Eau Claire by zip code

Where you keep your car will significantly impact your car insurance premium since it affects your vehicle’s exposure to risks. Drivers in
Milwaukee
,
Green Bay
, and
Erie
could see different rates than drivers in Eau Claire.
Car insurance companies will evaluate your city’s:
  • Population density
  • Crime rates
  • Accident rates
  • Weather trends
Even within Eau Claire, different zip codes may see different average insurance costs.
Here’s what various drivers pay for car insurance across Eau Claire.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
54701
$70
$91
54703
$41
$90

Car insurance quotes in Eau Claire by rating factors 

Car insurance companies in Wisconsin will review a wide range of factors making up your driver profile when
calculating your car insurance rate
, such as:
  • What kind of car you drive: Full coverage is usually more expensive for luxury, sports, or high-value vehicles.
  • What you use your vehicle for: A car insurance policy for a vehicle you drive to work daily will likely cost more than one for a car that’s only driven occasionally.
  • Your driving record: Car insurance is typically more expensive for drivers with a history of accidents and/or violations.
  • Where you keep your car: Insurers will evaluate your area’s population density, accident rates, weather trends, and crime rates. If you can keep your vehicle in a secure garage, you can often see a lower rate.
  • Your credit score: Because drivers with lower credit scores are more likely to file claims, policyholders with the highest credit scores will usually qualify for lower rates.

How do different factors impact your car insurance costs in Eau Claire?

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Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
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Prohibited (or effectively prohibited):
Learn more abut the car insurance rating factors in Eau Claire:

Cheap car insurance quotes in Eau Claire after driving violations

Your
Wisconsin driving record
will contain some of the most important information when determining your Eau Claire car insurance costs. Following the rules of the road will make it much easier to find a cheap premium.
Some common traffic violations that can affect your car insurance rates include:

Cheapest car insurance in Eau Claire after DUI

A
DUI conviction
can dramatically increase your Eau Claire car insurance costs, but shopping around for new quotes could help you find a more affordable coverage option.
Here are some rates drivers have found with Jerry after a DUI violation.
card cover
Amy (31 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54703)
carMitsubishi Outlander Sport ES
$232
per month

Cheapest car insurance in Eau Claire after an at-fault accident

After an accident, your car insurance premium could increase significantly—especially if you were found at fault. Multiple at-fault accidents and insurance claims peg you as a risky driver, and most insurers don’t want to insure high-risk drivers.
Shopping for new rates could help you find a cheaper premium in Eau Claire.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$212
Ann, 24
Zip: 54701
Mercedes-Benz GLA 250 4matic
• State Minimum Liability
• Comp / Collision
Not At Fault
Clearcover
$65
Esther, 28
Zip: 54703
Dodge Caliber R/T
• 50,000/100,000 Liability
At Fault With No Injury
Nationwide
$114
Bill, 38
Zip: 54701
Lexus GS 350
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

Cheapest car insurance in Eau Claire after other driving violations

Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums. Reckless driving, driving without insurance, or driving without a valid license can all lead to increases in your Eau Claire insurance rates, too.
From reckless driving to improper passing, these are rates other Eau Claire drivers found after various violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$88
Jay, 30
Zip: 54703
Jeep Patriot Sport
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Nationwide
$114
Clifford, 38
Zip: 54701
Lexus GS 350
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
National General
$132
Kate, 54
Zip: 54703
Chrysler Town & Country Touring
• 100,000/300,000 Liability
• Comp / Collision
Failure to Yield
Bristol West
$66
Chad, 46
Zip: 54701
Pontiac Grand AM SE1
• State Minimum Liability
coverageLast Updated Mar 24, 2024

Cheap car insurance quotes in Eau Claire by age

Your age influences your Wisconsin car insurance rate—and young drivers usually see the most expensive premiums.
Following their teen years, Wisconsin drivers can generally expect their car insurance rates to decrease gradually over time. Then, costs will slowly increase around age 75—but averages still usually remain cheaper than those seen with teen drivers.

Cheapest car insurance in Eau Claire for young drivers

Teen drivers between 16 and 19 can typically expect to pay the most for car insurance.
This is mainly because
young and new drivers
have a significantly higher risk of accidents.
That risk makes it a good idea to consider full coverage—especially if the vehicle you or your teen uses is newer or higher in value.
To save even more: Look into the
good student
,
defensive driving course
, and
good driver discounts
offered by providers when shopping around.
card cover
Hannah (24 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54701)
carMercedes-Benz GLA 250 4matic
$212
per month
card cover
Brent (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEau Claire, WI
(Zip Code: 54703)
carJeep Compass Latitude
$120
per month
card cover
Clearcover
Ethan (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationEau Claire, WI
(Zip Code: 54701)
$102
per month
card cover
Lena (23 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54703)
$212
per month

Cheapest car insurance in Eau Claire for senior drivers

Senior drivers
face an increased risk of accidents, as well as experiencing severe injuries after an accident—which can cause car insurance costs to rise around your mid-seventies.
But you could still find a better rate by seeking new
car insurance quotes
.
Here’s a look at rates senior drivers in Eau Claire have found with Jerry’s help.
card cover
Lucille (66 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54703)
$54
per month
card cover
Mayme (74 years old)
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54702)
$52
per month

Cheap car insurance quotes in Eau Claire based on insurance history

Your auto insurance history will also affect your Eau Claire car insurance costs.
Car insurance companies like to see policyholders maintain consistent coverage over a given period, and those who do will often secure lower rates. On the other hand, having past
car insurance coverage lapses
could leave you paying more for a policy. 
If you’re shopping for car insurance for the first time, you can start by selecting a policy that offers the coverage you need while remaining within your budget.
Because making on-time payments is crucial for maintaining your coverage, Jerry can send customers payment reminders and late payment warnings.
Currently insured or not, here are examples of rates other Eau Claire drivers recently found with Jerry.
card cover
Sylvia (31 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEau Claire, WI
(Zip Code: 54703)
$133
per month
card cover
Jane (30 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEau Claire, WI
(Zip Code: 54703)
$72
per month
card cover
Beatrice (33 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEau Claire, WI
(Zip Code: 54701)
carNissan Rogue Select S
$91
per month
card cover
Arthur (33 years old)
Currently Insured
coverageCoverage
250,000 per person
500,000 per accident bodily injury
locationEau Claire, WI
(Zip Code: 54701)
$61
per month
card cover
Duane (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationEau Claire, WI
(Zip Code: 54701)
$112
per month

Cheap car insurance quotes in Eau Claire for drivers with poor credit

Unfortunately, drivers with poor credit are statistically more likely to file insurance claims, which can leave them with higher rates.
Taking the steps to build
good credit
can help you save on car insurance in the long run. In the meantime, shopping around for quotes could help you find a more affordable rate based on your current credit score.
Take a look at what Eau Claire drivers with varying credit scores are paying for their car insurance.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Dairyland
$93
Lucy, 31
Zip: 54703
Acura MDX Touring
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$138
Albert, 22
Zip: 54703
Dodge Charger R/T
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$138
Dustin, 22
Zip: 54703
Dodge Charger R/T
• State Minimum Liability
• Comp / Collision
550 - 659
Nationwide
$114
Bill, 38
Zip: 54701
Lexus GS 350
• 100,000/300,000 Liability
• Comp / Collision
< 550
Progressive
$128
Marguerite, 49
Zip: 54703
Jeep Patriot Latitude
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

How to lower car insurance costs in Eau Claire

If you’re looking for cheaper car insurance in Eau Claire, take note of these tips from Jerry’s team of licensed insurance agents:
  1. Shop around
    and compare multiple car insurance quotes.
  2. Bundle your car insurance with homeowners insurance or renters insurance.
  3. Take advantage of your provider’s
    car insurance discounts
    —like low mileage discounts,
    responsible payer discounts
    , accident-free discounts, or safety feature discounts.
  4. Raise your deductibles on your comprehensive and collision coverage.
  5. Strengthen your credit history. A better credit score could lower your car insurance rates.
  6. Consider dropping collision and comprehensive coverage if your vehicle is older or has a low value.
  7. Take an approved defensive driving course.  

Why is car insurance in Eau Claire so expensive? 

Not all factors that affect Eau Claire car insurance costs are within your control. The following factors could also make your premium more expensive:
  • High-population density cities 
  • Area crime rates
  • Uninsured drivers 
  • Healthcare costs
  • Rising vehicle and repair costs
  • Severe weather risks

FAQ

People living in Eau Claire pay on average $70 per month – or $840 per year – on state-minimum liability coverage. Full coverage in Eau Claire costs on average $150 per month or $1,799 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
The state-minimum car insurance in Eau Claire, Wisconsin is as follows:
  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
Based on thousands of Eau Claire drivers Jerry has worked with, car insurance in Eau Claire costs an average of $70 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Eau Claire drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.