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Cheap Auto Insurance in Fox Crossing, WI

Fox Crossing drivers pay an average of $1,439/year β€” $332 less than the national average. With 224 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $239/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Fox Crossing, WI Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Fox Crossing, WI from top carriers. Rates are adjusted for Fox Crossing's 224 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$546$91/mo
Rural Mutual$574$96/mo
Progressive$612$102/mo
American Family$645$107/mo
State Farm$672$112/mo

Estimates based on 2026 rate filings for ZIP 54914. GEICO is cheapest at ~$91/mo. Actual rates vary by driver profile and exact Fox Crossing location.

Fox Crossing Driving Safety & Insurance Stats

These Fox Crossing-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,439
Avg. Annual Premium
224
Crashes Per Year
2
Fatal Crashes/Year
56
DUI Arrests/Year
2.2 per 1,000
Vehicle Thefts
10%
Uninsured Drivers
21.0 min
Avg. Commute
19K
Population

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Auto Insurance in Fox Crossing: What Drives Your Rate

Fox Crossing is a smaller city in Wisconsin with a population of 18,974. 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 Fox Crossing.

Key Risk Factors in Fox Crossing

For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.

Auto Insurance Rates by ZIP Code in Fox Crossing, WI

Your specific ZIP code within Fox Crossing can swing your premium by hundreds of dollars. Here's how rates compare across Fox Crossing neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
54920Fox Crossing South Side$1,375/yr$115/mo
54919Fox Crossing North Side$1,383/yr$115/mo
54926Fox Crossing West Side$1,396/yr$116/mo
54916Fox Crossing East Side$1,469/yr$122/mo
54914Fox Crossing Downtown/Central$1,541/yr$128/mo

The cheapest ZIP is 54920 (Fox Crossing South Side) at $1,375/yr. The most expensive is 54914 (Fox Crossing Downtown/Central) at $1,541/yr β€” a $166/year difference for the same driver.

πŸŽ–οΈ Live in Fox Crossing South Side or Fox Crossing Downtown/Central?

Your Fox Crossing ZIP code matters. Call for a rate specific to your exact location.

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Auto Insurance Rates by Age in Fox Crossing, WI

Age is one of the biggest rating factors in Fox Crossing. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,022/yr$252/mo+110% vs avg
Young Adult (20-25)$2,015/yr$168/mo+40% vs avg
Adult (26-35)$1,439/yr$120/mo0% vs avg
Mid-Career (36-50)$1,266/yr$106/mo-12% vs avg
Senior (51-65)$1,194/yr$100/mo-17% vs avg
65+$1,281/yr$107/mo-11% vs avg

Teens in Fox Crossing pay an average of $3,022/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,194/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Fox Crossing

Wisconsin Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Wisconsin Cities

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Fox Crossing, WI Auto Insurance FAQ

How much is car insurance in Fox Crossing, WI?
The average annual auto insurance premium in Fox Crossing is $1,439, which is $332 below the national average. Rates range from $1,375/yr in Fox Crossing South Side (ZIP 54920) to $1,541/yr in Fox Crossing Downtown/Central (ZIP 54914). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Fox Crossing?
GEICO typically offers the cheapest full coverage in Fox Crossing at around $91/month. However, with 224 annual crashes and a 10% uninsured driver rate in Fox Crossing, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Fox Crossing, WI?
Fox Crossing follows Wisconsin state law requiring minimum liability of 25/50/10. However, with 224 crashes per year and 2 fatal crashes annually in Fox Crossing, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Fox Crossing's risks including blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow.
Can I get a free auto insurance quote for Fox Crossing?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Fox Crossing ZIP code β€” whether you're in Fox Crossing South Side or Fox Crossing Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance affordable in Fox Crossing?
Fox Crossing has 224 crashes per year, 56 DUI arrests annually, and a vehicle theft rate of 2.2 per 1,000. Despite these factors, Fox Crossing's 21.0 min average commute and lower traffic density help keep rates manageable compared to larger metro areas. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Fox Crossing?
ZIP code 54920 (Fox Crossing South Side) tends to have the lowest rates in Fox Crossing at around $1,375/year. The most expensive area is Fox Crossing Downtown/Central (ZIP 54914) at $1,541/year β€” a difference of $166/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Wisconsin OCI β€” official state insurance regulator for Wisconsin.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Wisconsin DMV β€” Wisconsin vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Fox Crossing

Fox Crossing drivers can save up to $239/year. ZIP 54920 (Fox Crossing South Side) has the lowest rates starting at $1,375/yr.

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