Located in Wisconsin, Fond du Lac is a nature lover’s dream. It is home to nationally recognized wildlife locales like the National Ice Age Reserve Unit and the Horicon National Wildlife Refuge, with endless hunting and fishing opportunities. On the southern end of Lake Winnebago, you can also find Fond du Lac’s 400-acre Lakeside Park, complete with an endless maze of waterways and picnicking areas. It’s even home to a lighthouse and a petting zoo.
Other attractions in Fond du Lac are the Ledgerock Distillery, Wild Goose State Trail, Fondy Aqua Park, and the Historic Galloway Hosue and Village.
All Fond du Lac drivers are required to carry auto insurance to comply with the state’s liability requirements. Keep reading to learn more about auto insurance in Wisconsin, including average rates paid by age, zip code, and nearby cities in the region.
- There was only a single reported fatal road traffic accident in Fond du Lac (2019)
- Fond du Lac means ” the farthest end of the lake” in French
How Much Does Car Insurance Cost in Fond du Lac, WI?
If you reside in Fond du Lac, expect to pay an average monthly premium of $95 for full coverage, which consists of liability plus comprehensive coverage and collision insurance. The cheapest auto insurance in Fond du Lac is the state-required minimum, which costs on average $33 per month and consists of liability plus uninsured motorist coverage.
Overall, the residents of Wisconsin pay on average $98 per month for full coverage and $28 for the minimum. These rates are lower than the national average, which is $148 and $47, respectively, per month.
Getting a Free Auto Insurance quote with Freeway is easy!
Low-Cost Car Insurance Rates Comparison by Cities
For the average monthly premium paid in nearby cities to Fond Du Lac, check out our breakdown below.
|City||Full Coverage Insurance||Liability Insurance Coverage|
|Fond Du Lac||$95||$33|
Affordable Car Insurance Rates by Zip Code in Fond du Lac, WI
Where you live affects the insurance premiums you pay. For example, zip codes with a higher incidence of theft, moving violations, and a higher ratio of younger to older drivers generally see higher rates.
For the average monthly premium paid by Fond du Lac residents, sorted by zip code, check out our breakdown below.
|Zip Code||Full Coverage Insurance||Liability Insurance Coverage|
Low-Cost Car Insurance Rates by Age in Fond du Lac, WI
Car insurance costs are typically higher for younger drivers than older drivers. Expect rates to stay elevated until age 25 before stabilizing or declining with every year you maintain a clean driving record up to around age 60.
For the average monthly premium paid by Fond du Lac residents, sorted by age, check out our breakdown below.
|Age||Full Coverage Insurance||Liability Insurance Coverage|
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Wisconsin. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Fond du Lac, Wisconsin
How Many Fatal Accidents Happen in Fond du Lac?
In 2019, there was one fatal road traffic accident in Fond du Lac with one person involved and no pedestrians.
How Are the Road Infrastructure and Bridges in Fond du Lac, WI?
The city of Fond du Lac has several departments focused on improving road infrastructure and bridge quality in the region. Its Engineering Division and Traffic Division are responsible for street improvements, sidewalk reconstruction, surveying/drafting services, and the oversight of key construction projects.
A separate Construction and Maintenance Division also helps maintain city streets with a focus on waste collection, snow removal, and pothole repairs. They are also responsible for the working operation of roughly 5,000 street lights.
Minimum Car Insurance Requirements in Fond du Lac, Wisconsin
All Wisconsin drivers must adhere to the following liability auto insurance limits:
- Bodily Injury Liability per Person: $25,000
- Bodily Injury Liability per Accident: $50,000
- Property Damage Liability Per Accident: $10,000
- Uninsured Motorist Coverage: $25,000/$50,000
Remember, these limits represent the minimum amount of car insurance necessary. If you can afford it, opt for the highest liability coverage possible, made possible with full coverage car insurance.
We highly recommend having a 100/300/100 policy or as much liability coverage as possible. Even a single auto accident could exceed your state’s minimum property damage liability, forcing you to go out-of-pocket after insurance pays out to your maximum, minus your deductible.
Getting a Free Auto Insurance quote with Freeway is easy!
What Are the Penalties for Driving Without Insurance in Fond du Lac, WI?
If caught driving without insurance in Ford du Lac or Wisconsin, expect severe consequences.
All first-time offenders can expect to pay a $500 fine with all driving privileges suspended until they pay a $50 vehicle registration and a $60 license reinstatement fee. From there, you’d be required to file an SR-22, a Certificate of Financial responsibility proving to the state you are carrying the minimum required coverage. SR-22 insurance remains on file for three years.
If you’re caught driving with a fake insurance card, fines are even higher (up to $5,000)
Remember, all Wisconsin drivers must carry a 25/50/10 policy, or $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $10,000 property damage per accident. Even a single lapsed day of coverage could cause your insurer to notify the state.
Car Insurance Factors Allowed in Fond du Lac, WI
When determining auto insurance premiums, insurers consider many factors. Primary factors include age, gender, zip code of residence, driving record, and claims history.
Other factors affecting auto insurance premiums paid by Fond du Lac residents include:
- Marital status
- Type of vehicle
- Credit rating
- Affiliations (e.g., AAA, military)
Note: this is not an all-inclusive list. Other factors affecting auto insurance rates are policy-based, like lowering deductibles/liability limits, enrolling in autopay/paperless billing, and signing up for defensive driving courses to take a point or two off your record.
Discounts for Car Insurance in Fond du Lac, Wisconsin
Have a clean driving record free of moving violations, at-fault accidents, and claims for the past three to five years? If so, you may be eligible for or are already receiving a Good Driver discount.
Fond du Lac drivers can save money on car insurance in the following ways:
To stay on top of the latest discounts, we recommend calling your insurance provider every couple of months. As your life circumstances change (e.g., getting married or switching to an older make and model vehicle), so can your rates.
Get a Quote for Low-Cost Car Insurance in Fond du Lac, WI Online Today!
All Wisconsin drivers can benefit from shopping around and discovering a low-cost policy through Freeway Insurance. Enjoy peace of mind knowing you and your family are covered on the road.
If you are interested in learning more about Freeway Insurance, you may request a quote online, visit a Fond du Lac location near you, or call 800-777-5620 for a no-obligation quote with one of our friendly agents.