Stevens Point drivers pay an average of $1,480/year — $291 less than the national average. With 309 crashes per year and a 1.7 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $280/year.
(888) 217-6781Estimated full coverage auto insurance rates for Stevens Point, WI from top carriers. Rates are adjusted for Stevens Point's 309 annual crashes, 1.7 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $562 | $94/mo |
| Rural Mutual | $590 | $98/mo |
| Progressive | $629 | $105/mo |
| American Family | $663 | $111/mo |
| State Farm | $691 | $115/mo |
Estimates based on 2026 rate filings for ZIP 54481. GEICO is cheapest at ~$94/mo. Actual rates vary by driver profile and exact Stevens Point location.
These Stevens Point-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Stevens Point, WI. Takes under 2 minutes.
(888) 217-6781Stevens Point is a smaller city in Wisconsin with a population of 25,666. 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 Stevens Point.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Stevens Point can swing your premium by hundreds of dollars. Here's how rates compare across Stevens Point neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 54493 | Stevens Point South Side | $1,393/yr | $116/mo |
| 54482 | Stevens Point North Side | $1,460/yr | $122/mo |
| 54493 | Stevens Point West Side | $1,461/yr | $122/mo |
| 54491 | Stevens Point East Side | $1,483/yr | $124/mo |
| 54481 | Stevens Point Downtown/Central | $1,598/yr | $133/mo |
The cheapest ZIP is 54493 (Stevens Point South Side) at $1,393/yr. The most expensive is 54481 (Stevens Point Downtown/Central) at $1,598/yr — a $205/year difference for the same driver.
Your Stevens Point ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Stevens Point. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,108/yr | $259/mo | +110% vs avg |
| Young Adult (20-25) | $2,072/yr | $173/mo | +40% vs avg |
| Adult (26-35) | $1,480/yr | $123/mo | 0% vs avg |
| Mid-Career (36-50) | $1,302/yr | $109/mo | -12% vs avg |
| Senior (51-65) | $1,228/yr | $102/mo | -17% vs avg |
| 65+ | $1,317/yr | $110/mo | -11% vs avg |
Teens in Stevens Point pay an average of $3,108/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,228/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.
Stevens Point drivers can save up to $280/year. ZIP 54493 (Stevens Point South Side) has the lowest rates starting at $1,393/yr.
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