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Cheapest car insurance in Richland Center, Wisconsin (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Richland Center, Wisconsin.
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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 Richland Center

On average,
auto insurance
in Richland Center costs about $70 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Richland Center drivers pay 28% 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 Richland Center, Wisconsin is to compare quotes from multiple providers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$146
Anthony, 54
Zip: 53581
GMC Sierra K1500 SLE
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$76
Oscar, 39
Zip: 53581
Ford Focus SE
• State Minimum Liability
• Comp / Collision
National General
$133
Louise, 26
Zip: 53581
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$125
Lena, 39
Zip: 53581
Dodge Avenger SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 20, 2024

Best Car Insurance Companies in Richland Center

Jerry
wanted to know what car insurance companies offered the cheapest rates in Richland Center, 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 Richland Center 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 Richland Center

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 Richland Center

At a minimum, Richland Center 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 Richland Center drivers have found for minimum liability coverage with Jerry’s help.
card cover
Larry (39 years old)
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
$105
per month
card cover
Landon (33 years old)
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
carVolkswagen Jetta SEL
$88
per month
card cover
Gainsco
Lena (39 years old)
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
$125
per month

Do you need more than minimum coverage in Richland Center?

In most cases, Richland Center 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 Richland Center

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.
Richland Center drivers have found cheap rates for full coverage car insurance.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$146
Anthony, 54
Zip: 53581
GMC Sierra K1500 SLE
• 50,000/100,000 Liability
• Comp / Collision
National General
$133
Louise, 26
Zip: 53581
Honda Civic EX
• State Minimum Liability
• Comp / Collision
Gainsco
$125
Lena, 39
Zip: 53581
Dodge Avenger SE
• State Minimum Liability
• Comp / Collision
Clearcover
$76
Oscar, 39
Zip: 53581
Ford Focus SE
coverageLast Updated Feb 20, 2024
The easiest way to find the right coverage at the right price in Richland Center 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 Richland Center

The data from Jerry’s study shows that in Richland Center, the average cost for minimum liability coverage is $840 per year or $70 per month. For full coverage, the average cost is $1,796 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.

Car insurance quotes in Richland Center 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 Richland Center?

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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 Richland Center:

Cheap car insurance quotes in Richland Center after driving violations

Your
Wisconsin driving record
will contain some of the most important information when determining your Richland Center 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 Richland Center after speeding ticket

Any violations on your driving record, including
speeding tickets
, can affect your Richland Center car insurance costs. That said, a ticket for driving six mph over the speed limit may have a different effect than driving 20 mph over the speed limit.
Find out what rates other Richland Center drivers have found—even with varying degrees of speeding tickets on their records.   
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 11-15
National General
$133
Ricardo, 26
Zip: 53581
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Clearcover
$134
Sylvia, 26
Zip: 53581
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024

Cheapest car insurance in Richland Center after DUI

A
DUI conviction
can dramatically increase your Richland Center 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
Eugenia (43 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRichland Center, WI
(Zip Code: 53581)
$72
per month
card cover
Richard (42 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationRichland Center, WI
(Zip Code: 53581)
$56
per month

Cheapest car insurance in Richland Center 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 Richland Center.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$68
Polly, 35
Zip: 53581
Lincoln Zephyr
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$76
Janie, 31
Zip: 53581
Chrysler Pacifica
• 50,000/100,000 Liability
coverageLast Updated Feb 23, 2024

Cheapest car insurance in Richland Center 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 Richland Center insurance rates, too.
From reckless driving to improper passing, these are rates other Richland Center drivers found after various violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$74
Maurice, 36
Zip: 53581
Pontiac Torrent
• 50,000/100,000 Liability
Defective Equipment
Allstate
$53
Rodney, 36
Zip: 53581
Infiniti J30
• State Minimum Liability
coverageLast Updated Feb 19, 2024

Cheap car insurance quotes in Richland Center 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 Richland Center 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
Callie (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRichland Center, WI
(Zip Code: 53581)
$66
per month
card cover
Isabella (20 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRichland Center, WI
(Zip Code: 53581)
$87
per month

Cheapest car insurance in Richland Center 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 Richland Center have found with Jerry’s help.
card cover
Caroline (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationRichland Center, WI
(Zip Code: 53581)
$50
per month
card cover
Maggie (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRichland Center, WI
(Zip Code: 53581)
$69
per month

Cheap car insurance quotes in Richland Center based on insurance history

Your auto insurance history will also affect your Richland Center 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 Richland Center drivers recently found with Jerry.
card cover
Gerald (54 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRichland Center, WI
(Zip Code: 53581)
carGMC Sierra K1500 SLE
$146
per month
card cover
Shawn (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
carVolkswagen Jetta SEL
$88
per month
card cover
Ricardo (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRichland Center, WI
(Zip Code: 53581)
$133
per month
card cover
Clearcover
Sarah (39 years old)
Currently Insured
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
$76
per month
card cover
Clearcover
Lucas (39 years old)
Currently Insured
coverageCoverage
State Minimum
locationRichland Center, WI
(Zip Code: 53581)
$76
per month

Cheap car insurance quotes in Richland Center 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 Richland Center drivers with varying credit scores are paying for their car insurance.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$146
Emma, 54
Zip: 53581
GMC Sierra K1500 SLE
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024

How to lower car insurance costs in Richland Center

If you’re looking for cheaper car insurance in Richland Center, 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 Richland Center so expensive? 

Not all factors that affect Richland Center 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 Richland Center pay on average $70 per month – or $840 per year – on state-minimum liability coverage. Full coverage in Richland Center costs on average $150 per month or $1,796 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 Richland Center, 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 Richland Center drivers Jerry has worked with, car insurance in Richland Center 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 Richland Center 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
badge icon
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.