New Berlin Car Insurance

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

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What Is the Average Cost of Car Insurance in New Berlin?

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 New Berlin typically pay around $66.55 per month compared to the national average of $135.61 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 $135.61
Wisconsin $90.89
New Berlin, Wisconsin $66.55

New Berlin, WI Best Car Insurance Companies

car insurance in New Berlin

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, USAA generally has the most affordable car insurance in New Berlin coming in around $40.21 per month. Other companies to consider if you live in New Berlin is State Farm with an average cost of $55.69 per month and SAFECO which typically runs around $56.33 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in New Berlin.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $40.21-55.76%
2 State Farm $55.69-38.72%
3 SAFECO $56.33-38.02%
4 SECURA Insurance $58.03-36.15%
5 Hastings Mutual Insurance Co $61.89-31.91%
6 Erie $65.57-27.86%
7 Rockford Mutual Insurance $65.80-27.60%
8 Partners Mutual Insurance Co $66.61-26.71%
9 Rural Mutual Insurance $66.94-26.34%
10 West Bend Mutual $67.86-25.34%

How Much is Car Insurance in New Berlin, WI?

how much is auto insurance in New Berlin

Rates can vary from city to city. The residents of Appleton typically pay $74.02 per month while people who live in Green Bay will pay $75.22 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Wisconsin CitiesMonthly Average Rate
Appleton $74.02
Green Bay $75.22
Madison $84.62
Milwaukee $122.46
New Berlin $66.55
Racine $100.85

Cheap Car Insurance in New Berlin by Zip Codes

find cheap auto insurance in New Berlin

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.

New Berlin, WI ZIP CodeAverage Monthly Rate
53146$42.21
53151$71.23

Car Insurance Rates by Driver's Age Group in New Berlin

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $215.91 per month in New Berlin. Compare that to drivers in their 30’s who typically pay around $42.69 per month drivers in their 40s at $54.29 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
16-19$215.91
20s$70.24
30s$42.69
40s$54.29
50s$59.88
60s$46.69
70+$69.06

Cheapest Insurance for Teenage Drivers in New Berlin

CompanyAverage Monthly Rate

Cheapest Insurance for 20 Year-olds in New Berlin

CompanyAverage Monthly Rate

Cheapest Insurance for 30 Year-olds in New Berlin

CompanyAverage Monthly Rate

Cheapest Insurance for 40 Year-olds in New Berlin

On average, USAA offers car insurance for 40 year-olds in New Berlin for around $35.21 per month. If you are looking for affordable coverage, you may also want to consider SECURA Insurance or Partners Mutual Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$35.21
SECURA Insurance$40.67
Partners Mutual Insurance Co$51.30
Rockford Mutual Insurance$52.08
Auto Club Group$52.50

Cheapest Insurance for 50 Year-olds in New Berlin

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In New Berlin we found that USAA generally offers the most affordable coverage at $42.67 per month.

CompanyAverage Monthly Rate
USAA$42.67
Hastings Mutual Insurance Co$56.00
State Farm$64.83
SECURA Insurance$73.17
Partners Mutual Insurance Co$86.08

Cheapest Insurance for 60 Year-olds in New Berlin

If you live in New Berlin and you’re in your 60s, our data indicates that USAA usually has the best rates at $36.04 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$36.04
State Farm$48.25
Rural Mutual Insurance$48.84
SECURA Insurance$51.00
Partners Mutual Insurance Co$54.30

Driver's Coverage Auto Insurance Rates in New Berlin, 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 New Berlin, the average monthly rate for a driver who is currently insured is $54.12 while drivers who are not currently covered will pay around $102.30.

CoverageAverage Monthly Rate
Not Currently Insured $102.30
Currently Insured $54.12

Compare Recent Car Insurance Quotes in New Berlin

auto insurance quotes in New Berlin 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 New Berlin a driver of a 2020 Mitsubishi Mirage can expect to pay around $62.40 per month while someone that owns a 2000 Gmc Yukon may pay around $31.93 per month. Check out the list of recent quotes in New Berlin below.

VehicleAverage Monthly Rate
2020 Mitsubishi Mirage$62.40
2000 Gmc Yukon$31.93
2015 Chevrolet Cruze$67.42
2015 Nissan Altima$67.81
2009 Toyota Corolla Matrix$44.02
2000 Acura 3.2tl$50.32
2018 Jeep Renegade$81.43
2020 Chevrolet Equinox$58.12
2014 Ram 1500$381.88
2014 Buick Lacrosse$90.78

FAQ's for Drivers in New Berlin, WI

driver’s frequently asked question in New Berlin

What Is the Minimum Liability Coverage Requirement in New Berlin, 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 New Berlin, 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.

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Commute Time in New Berlin, WI

23.3 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in New Berlin, WI

1022

Methodology
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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