Cedarburg drivers pay an average of $1,478/year — $293 less than the national average. With 155 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $278/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cedarburg, WI from top carriers. Rates are adjusted for Cedarburg's 155 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $561 | $94/mo |
| Rural Mutual | $589 | $98/mo |
| Progressive | $629 | $105/mo |
| American Family | $662 | $110/mo |
| State Farm | $690 | $115/mo |
Estimates based on 2026 rate filings for ZIP 53012. GEICO is cheapest at ~$94/mo. Actual rates vary by driver profile and exact Cedarburg location.
These Cedarburg-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cedarburg, WI. Takes under 2 minutes.
(888) 217-6781Cedarburg is a smaller city in Wisconsin with a population of 12,121. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Cedarburg.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Cedarburg can swing your premium by hundreds of dollars. Here's how rates compare across Cedarburg neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53021 | Cedarburg South Side | $1,396/yr | $116/mo |
| 53017 | Cedarburg North Side | $1,418/yr | $118/mo |
| 53020 | Cedarburg West Side | $1,482/yr | $124/mo |
| 53020 | Cedarburg East Side | $1,498/yr | $125/mo |
| 53012 | Cedarburg Downtown/Central | $1,581/yr | $132/mo |
The cheapest ZIP is 53021 (Cedarburg South Side) at $1,396/yr. The most expensive is 53012 (Cedarburg Downtown/Central) at $1,581/yr — a $185/year difference for the same driver.
Your Cedarburg ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cedarburg. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,104/yr | $259/mo | +110% vs avg |
| Young Adult (20-25) | $2,069/yr | $172/mo | +40% vs avg |
| Adult (26-35) | $1,478/yr | $123/mo | 0% vs avg |
| Mid-Career (36-50) | $1,301/yr | $108/mo | -12% vs avg |
| Senior (51-65) | $1,227/yr | $102/mo | -17% vs avg |
| 65+ | $1,315/yr | $110/mo | -11% vs avg |
Teens in Cedarburg pay an average of $3,104/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,227/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cedarburg drivers can save up to $278/year. ZIP 53021 (Cedarburg South Side) has the lowest rates starting at $1,396/yr.
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