Fort Atkinson drivers pay an average of $1,481/year — $290 less than the national average. With 155 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $281/year.
(888) 217-6781Estimated full coverage auto insurance rates for Fort Atkinson, WI from top carriers. Rates are adjusted for Fort Atkinson's 155 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $562 | $94/mo |
| Rural Mutual | $591 | $98/mo |
| Progressive | $630 | $105/mo |
| American Family | $664 | $111/mo |
| State Farm | $692 | $115/mo |
Estimates based on 2026 rate filings for ZIP 53538. GEICO is cheapest at ~$94/mo. Actual rates vary by driver profile and exact Fort Atkinson location.
These Fort Atkinson-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Fort Atkinson, WI. Takes under 2 minutes.
(888) 217-6781Fort Atkinson is a smaller city in Wisconsin with a population of 12,579. 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 Fort Atkinson.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Fort Atkinson can swing your premium by hundreds of dollars. Here's how rates compare across Fort Atkinson neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53541 | Fort Atkinson South Side | $1,391/yr | $116/mo |
| 53541 | Fort Atkinson North Side | $1,413/yr | $118/mo |
| 53558 | Fort Atkinson West Side | $1,455/yr | $121/mo |
| 53542 | Fort Atkinson East Side | $1,530/yr | $128/mo |
| 53538 | Fort Atkinson Downtown/Central | $1,574/yr | $131/mo |
The cheapest ZIP is 53541 (Fort Atkinson South Side) at $1,391/yr. The most expensive is 53538 (Fort Atkinson Downtown/Central) at $1,574/yr — a $183/year difference for the same driver.
Your Fort Atkinson ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Fort Atkinson. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,110/yr | $259/mo | +110% vs avg |
| Young Adult (20-25) | $2,073/yr | $173/mo | +40% vs avg |
| Adult (26-35) | $1,481/yr | $123/mo | 0% vs avg |
| Mid-Career (36-50) | $1,303/yr | $109/mo | -12% vs avg |
| Senior (51-65) | $1,229/yr | $102/mo | -17% vs avg |
| 65+ | $1,318/yr | $110/mo | -11% vs avg |
Teens in Fort Atkinson pay an average of $3,110/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,229/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.
Fort Atkinson drivers can save up to $281/year. ZIP 53541 (Fort Atkinson South Side) has the lowest rates starting at $1,391/yr.
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