Fond du Lac drivers pay an average of $1,460/year — $311 less than the national average. With 532 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $260/year.
(888) 217-6781Estimated full coverage auto insurance rates for Fond du Lac, WI from top carriers. Rates are adjusted for Fond du Lac's 532 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $554 | $92/mo |
| Rural Mutual | $582 | $97/mo |
| Progressive | $621 | $103/mo |
| American Family | $654 | $109/mo |
| State Farm | $682 | $114/mo |
Estimates based on 2026 rate filings for ZIP 54935. GEICO is cheapest at ~$92/mo. Actual rates vary by driver profile and exact Fond du Lac location.
These Fond du Lac-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Fond du Lac, WI. Takes under 2 minutes.
(888) 217-6781Fond du Lac is a smaller city in Wisconsin with a population of 44,678. 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 Fond du Lac.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Fond du Lac can swing your premium by hundreds of dollars. Here's how rates compare across Fond du Lac neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 54950 | Fond du Lac South Side | $1,392/yr | $116/mo |
| 54938 | Fond du Lac North Side | $1,399/yr | $117/mo |
| 54939 | Fond du Lac West Side | $1,474/yr | $123/mo |
| 54943 | Fond du Lac East Side | $1,487/yr | $124/mo |
| 54935 | Fond du Lac Downtown/Central | $1,571/yr | $131/mo |
The cheapest ZIP is 54950 (Fond du Lac South Side) at $1,392/yr. The most expensive is 54935 (Fond du Lac Downtown/Central) at $1,571/yr — a $179/year difference for the same driver.
Your Fond du Lac ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Fond du Lac. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,066/yr | $256/mo | +110% vs avg |
| Young Adult (20-25) | $2,044/yr | $170/mo | +40% vs avg |
| Adult (26-35) | $1,460/yr | $122/mo | 0% vs avg |
| Mid-Career (36-50) | $1,285/yr | $107/mo | -12% vs avg |
| Senior (51-65) | $1,212/yr | $101/mo | -17% vs avg |
| 65+ | $1,299/yr | $108/mo | -11% vs avg |
Teens in Fond du Lac pay an average of $3,066/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,212/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.
Fond du Lac drivers can save up to $260/year. ZIP 54950 (Fond du Lac South Side) has the lowest rates starting at $1,392/yr.
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