Cheap Car Insurance Quotes for Good Drivers in Wisconsin

Finding low-cost car insurance is not always easy, and determining which companies offer the cheapest auto insurance rates for good drivers requires additional perseverance. Insurance prices will most likely be slightly less expensive than the average price in Wisconsin attributed to the posibility of fewer claims related to selling insurance for safe drivers. Competitively-priced insurance should be easy to find from a lot of different insurance providers.
Each auto insurance company has a proprietary method to set policy rates, so first we will examine the lowest cost auto insurance companies in Wisconsin.

It’s a good idea to know that Wisconsin auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Things like having a birthday, becoming a homeowner, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be more expensive than competitors.

Best Insurance Companies for Good Drivers

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USAA generally has some of the best car insurance rates in Wisconsin at around $598 annually. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual would also be considered some of the cheapest Wisconsin insurance companies.

As illustrated above, if you have coverage with Pekin Insurance and switched to USAA, you might see an annual savings of upwards of $147. Wisconsin drivers with Rockford Mutual may save as much as $148 a year, and Nationwide insureds might lower prices by up to $170 a year.

Understand that those rates are averages for all insureds and vehicles and do not take into consideration a price discount for good drivers. So the company that fits your age and vehicle best may not even be shown in the rate chart shown above. That points out the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

When shopping for the cheapest car insurance for safe drivers, one of the many factors that is looked at to determine the price you pay for insurance is where you call home in Wisconsin. Densely populated urban areas like Milwaukee, Racine, and West Allis tend to pay higher rates, whereas areas with less traffic congestion and claims can boast about having cheaper rates.

The illustration below illustrates the most expensive places in Wisconsin for good drivers in which to purchase auto insurance.

Rates are approximated as the garaging address in Wisconsin can change price quotes substantially.

What is the best auto insurance company in Wisconsin?

Picking a high-quality auto insurance company is difficult considering how many different companies sell coverage in Wisconsin. The company rank data in the lists below could help you select which auto insurers you want to consider when comparing auto insurance rates for good drivers.

The ratings below are only made up of large insurance companies, so companies that focus mainly on Wisconsin business are not factored into the list. If you wish to compare prices and find the cheapest rates for good drivers, follow this link.

Top 10 Large Auto Insurers in Wisconsin Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Large Auto Insurers in Wisconsin Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Accidents and violations increase rates

The ideal way to maintain good auto insurance rates in Wisconsin for safe drivers is to drive safe and not have accidents or get tickets. The illustration below highlights how speeding tickets and at-fault claims increase annual premium costs for each age group. The costs are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in Wisconsin per year with no accidents or violations is $1,217. Add in one speeding ticket and the average cost rises to $1,370, an increase of $153 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for good drivers goes up to an average of $2,688. That’s an increase of $1,471, or $123 per month, just for not being a responsible driver!

How to find budget-friendly insurance for good drivers

Lowering your rates is not difficult, and here are some of the better money-saving solutions that can help you get the cheapest auto insurance.

• Maintain a safe distance and avoid accidents
• Be a cautious driver
• Frequent claims may make car insurance unaffordable
• Safer vehicles cost less to insure
• Save money by only buying liability coverage for older vehicles
• Save money by insuring your home and auto with the same company
• Comparison shop frequently

The last tip is particularly important, as we emphasized in this article. Coverage prices adjust often, so you should be ready to buy a policy from a new company if a lower price can be found.

Sticking with a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a lot of money every month. If you have a few minutes, compare prices to find cheaper insurance for good drivers.