La Crosse Car Insurance

How much does car insurance cost in La Crosse, WI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in La Crosse?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Wisconsin has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in La Crosse typically pay around $82.01 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Wisconsin $114.80
La Crosse, Wisconsin $82.01

La Crosse, WI Best Car Insurance Companies

car insurance in La Crosse

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in La Crosse coming in around $42.48 per month. Other companies to consider if you live in La Crosse is Clearcover with an average cost of $46.76 per month and USAA which typically runs around $68.93 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in La Crosse.

RankCompanyAverage Monthly RateComparison State Average
1 Safeco $42.48-63.00%
2 Clearcover $46.76-59.27%
3 USAA $68.93-39.96%
4 SECURA Insurance $77.50-32.49%
5 Liberty Mutual $84.41-26.47%
6 West Bend Mutual $85.97-25.12%
7 Auto-Owners Insurance Co $97.31-15.23%
8 State Farm $102.97-10.31%
9 American Family $105.03-8.51%
10 Pekin Insurance $105.16-8.40%

How Much is Car Insurance in La Crosse, WI?

how much is auto insurance in La Crosse

Rates can vary from city to city. The residents of Appleton typically pay $95.64 per month while people who live in Brookfield will pay $111.10 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Wisconsin CitiesMonthly Average Rate
Appleton $95.64
Eau Claire $88.13
Green Bay $88.90
Janesville $96.77
Kenosha $121.32
La Crosse $82.01
Madison $100.55
Milwaukee $160.86
Oshkosh $93.49
Racine $117.89
Sheboygan $89.71
Waukesha $96.77

Cheap Car Insurance in La Crosse by Zip Codes

find cheap auto insurance in La Crosse

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Wisconsin. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

La Crosse, WI ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in La Crosse

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $130.34 per month in La Crosse. Compare that to drivers in their 30’s who typically pay around $100.85 per month drivers in their 40s at $77.29 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in La Crosse

If you are teen in La Crosse you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $102.21 per month. This is likely the most affordable option in La Crosse. You might also want to consider SECURA Insurance and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
SECURA Insurance$131.25
Auto-Owners Insurance Co$140.23
State Farm$154.11

Cheapest Insurance for 20 Year-olds in La Crosse

20 year-olds in La Crosse might want to consider USAA who, on average, offers car insurance rates around $85.09 per month. SECURA Insurance , West Bend Mutual , Pekin Insurance and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
SECURA Insurance$98.85
West Bend Mutual$108.29
Pekin Insurance$129.38
Auto-Owners Insurance Co$136.00

Cheapest Insurance for 30 Year-olds in La Crosse

If you are in your 30s in La Crosse our research has found that Clearcover typically has the most affordable coverage coming in around $27.79 per month, followed by SAFECO at $53.33 and USAA at $59.46.

CompanyAverage Monthly Rate
SECURA Insurance$64.04
Partners Mutual Insurance Co$67.75

Cheapest Insurance for 40 Year-olds in La Crosse

On average, USAA offers car insurance for 40 year-olds in La Crosse for around $52.62 per month. If you are looking for affordable coverage, you may also want to consider Auto-Owners Insurance Co or SECURA Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$59.99
SECURA Insurance$60.33
State Farm$61.55

Cheapest Insurance for 50 Year-olds in La Crosse

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In La Crosse we found that USAA generally offers the most affordable coverage at $57.20 per month.

CompanyAverage Monthly Rate
SECURA Insurance$70.70
Hastings Mutual Insurance Co$77.05
West Bend Mutual$78.05
Rockford Mutual Insurance$79.93

Cheapest Insurance for 60 Year-olds in La Crosse

If you live in La Crosse and you’re in your 60s, our data indicates that Safeco usually has the best rates at $31.62 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SECURA Insurance$58.20
State Auto$62.50

Driver's Coverage Auto Insurance Rates in La Crosse, WI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In La Crosse, the average monthly rate for a driver who is currently insured is $78.54 while drivers who are not currently covered will pay around $92.89.

CoverageAverage Monthly Rate
Not Currently Insured $92.89
Currently Insured $78.54

Compare Recent Car Insurance Quotes in La Crosse

auto insurance quotes in La Crosse city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In La Crosse a driver of a 2014 Dodge Challenger can expect to pay around $236.82 per month while someone that owns a 2015 Ford Explorer may pay around $154.29 per month. Check out the list of recent quotes in La Crosse below.

VehicleAverage Monthly Rate
2014 Dodge Challenger$236.82
2015 Ford Explorer$154.29
2007 Pontiac Grand Prix$65.88
2017 Nissan Versa$72.35
2002 Suzuki Aerio$46.72
2008 Honda Civic$71.92
2010 Ford Edge$73.05

FAQ's for Drivers in La Crosse, WI

driver’s frequently asked question in La Crosse

What Is the Minimum Liability Coverage Requirement in La Crosse, WI?

Every state requires drivers to have a minimum amount of liability coverage. Wisconsin drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All Wisconsin drivers must have an auto insurance policy providing liability coverage in the minimum amounts of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident.

The State also mandates uninsured motorist coverage of at least $25,000 bodily injury per person and $50,000 bodily injury per accident. This is a protection against hit-and-run drivers and uninsured drivers who cause an accident.

What Is the Blood Alcohol Concentration (BAC) limit in La Crosse, WI?

It’s illegal to operate a motor vehicle in Wisconsin with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

In Wisconsin, driving a car under the influence of alcohol or drugs is known as OWI, or Operating While Intoxicated. Although first, second, and third offenses require a BAC of 0.08%, fourth and subsequent offenses require a BAC of only 0.02%. Also, you can be charged and convicted of OWI due to the use of marijuana, cocaine, other illegal drugs, prescription medications, and over-the-counter drugs while driving.

What are the consequences of being convicted of a DUI?

Penalties for OWI range in severity depending on the number and type of offenses. At the very least, you face fines, court costs, suspension of your driver’s license for at least 6 months, and potential jail time. Transporting a minor while intoxicated or causing bodily harm to another person will result in considerably harsher punishments. A BAC of 0.15% results in mandatory participation in a sobriety program.

Find extensive detailed information in this PDF from the Wisconsin Department of Transportation.

Check Out Other Rates in La Crosse, WI Nearby Cities:

Dubuque, IA

Eau Claire, WI

Rochester, MN


Commute Time in La Crosse, WI

15.1 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in La Crosse, WI


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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