Grafton drivers pay an average of $1,348/year — $423 less than the national average. With 133 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $148/year.
(888) 217-6781Estimated full coverage auto insurance rates for Grafton, WI from top carriers. Rates are adjusted for Grafton's 133 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $512 | $85/mo |
| Rural Mutual | $537 | $90/mo |
| Progressive | $573 | $96/mo |
| American Family | $604 | $101/mo |
| State Farm | $630 | $105/mo |
Estimates based on 2026 rate filings for ZIP 53024. GEICO is cheapest at ~$85/mo. Actual rates vary by driver profile and exact Grafton location.
These Grafton-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Grafton, WI. Takes under 2 minutes.
(888) 217-6781Grafton is a smaller city in Wisconsin with a population of 12,094. 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 Grafton.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Grafton can swing your premium by hundreds of dollars. Here's how rates compare across Grafton neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53033 | Grafton South Side | $1,251/yr | $104/mo |
| 53025 | Grafton North Side | $1,325/yr | $110/mo |
| 53040 | Grafton West Side | $1,356/yr | $113/mo |
| 53028 | Grafton East Side | $1,370/yr | $114/mo |
| 53024 | Grafton Downtown/Central | $1,458/yr | $122/mo |
The cheapest ZIP is 53033 (Grafton South Side) at $1,251/yr. The most expensive is 53024 (Grafton Downtown/Central) at $1,458/yr — a $207/year difference for the same driver.
Your Grafton ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Grafton. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,831/yr | $236/mo | +110% vs avg |
| Young Adult (20-25) | $1,887/yr | $157/mo | +40% vs avg |
| Adult (26-35) | $1,348/yr | $112/mo | 0% vs avg |
| Mid-Career (36-50) | $1,186/yr | $99/mo | -12% vs avg |
| Senior (51-65) | $1,119/yr | $93/mo | -17% vs avg |
| 65+ | $1,200/yr | $100/mo | -11% vs avg |
Teens in Grafton pay an average of $2,831/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,119/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.
Grafton drivers can save up to $148/year. ZIP 53033 (Grafton South Side) has the lowest rates starting at $1,251/yr.
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