Car insurance rates in La Crosse October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- AAA provides the cheapest liability coverage at $19 per month in La Crosse.
- AAA offers the cheapest rates for full coverage insurance in La Crosse at $44 per month.
Read on to learn more about car insurance price trends in La Crosse. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in La Crosse
For drivers looking to meet La Crosse minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in La Crosse
#1. AAA: $19
#2. Rural Mutual: $20
#3. Western National: $22
#4. Erie: $23
#4. USAA: $23
Cheap full coverage in La Crosse
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in La Crosse
#1. AAA: $44
#2. West Bend Mutual: $65
#3. IMT Insurance Company: $72
#4. Auto-Owners Insurance Co: $73
#5. Travelers: $73
Impact of traffic violations on La Crosse auto insurance rates
In La Crosse, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in La Crosse may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in La Crosse after common driving violations.
- No violation: $133
- Not-at-fault accident: $140
- Failure to wear a seat belt: $150
- Speeding 6 - 10 MPH over limit: $160
- Speeding 21 - 25 MPH over limit: $191
- DUI: $257
- Reckless driving: $251
- Driving with a suspended license: $255
- Leaving scene of an accident/hit and run: $256
