Who Has Cheap Auto Insurance Quotes for Drivers Under 21 in Wisconsin?

When shopping for cheaper insurance for minors, one of the many factors that is used by insurance companies to determine the price you pay for insurance is where you keep your vehicle in Wisconsin. Larger areas like Milwaukee, West Allis, and Greenfield are more likely to pay higher prices, whereas areas with less congestion have the luxury of lower rates.

The next table illustrates the most expensive areas in Wisconsin for drivers under 21 in which to buy car insurance.

Rate quotes are estimated as the garaging address in Wisconsin can influence price quotes noticeably.

The make and model of vehicle that needs insurance is probably the biggest factor that determines whether or not you can buy the most economical insurance for drivers under 21. Vehicles with high performance, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.

The lists below ranks car insurance premiums for a handful of the most budget-friendly vehicles to buy coverage for.

Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in Wisconsin location which can influence insurance rates greatly.

Prices above based on single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can impact premium rates greatly.

Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location information which can increase or decrease insurance rates considerably.

Shopping around for affordable insurance is difficult, and figuring out which company quotes the lowest-priced auto insurance rates for drivers under 21 will take even more work. Prices may be much higher than the average policy in Wisconsin, with the extra cost attributed to the potential for more claims associated with offering coverage for minors, but competitively-priced insurance should be possible if you find the right company. Every insurance company has their own formula for establishing rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Wisconsin.

It’s a good idea to be aware that Wisconsin auto insurance rates are determined by lots of factors that may substantially change the price of coverage. Simply having another birthday, buying a different vehicle, or getting a DUI may cause policy rate changes resulting in some rates now being cheaper than competitors.

Best Insurance Companies for Minors

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USAA offers some of the cheapest car insurance rates in Wisconsin at around $586 per year. Partners Mutual, Erie, Rockford Mutual, and Nationwide also make the cut as some of the most economical Wisconsin auto insurance companies.

As shown in the rates above, if you have coverage with Nationwide and switched to Partners Mutual, you could see yearly savings of around $131. Policyholders with Rural Mutual Insurance could save as much as $135 a year, and Pekin Insurance insureds might see rate reductions of $138 a year.

To get a quick, customized rate comparison, click here or click several companies below for low rates.

Be aware that those premium estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a price surcharge for drivers under 21. So the insurer that can offer you the best price may not even be included in the above list. That helps illustrate why you need to compare prices as often as possible using your own individual information.

The example below demonstrates how deductible levels can raise or lower premium costs when quoting cheap insurance for drivers under 21. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.

In the chart above, a 30-year-old driver could save $208 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $314 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could shave up to $462 annually by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it is a good idea to have spare funds to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Which auto insurance company is best?

If you are looking for the best auto insurance for minors in Wisconsin, some of the first companies to look at are Allstate, Geico, State Farm, and Progressive. The data below compares and contrasts some of the different options and features shoppers can expect to find with each one.