Cheap Auto Insurance for Government Employees in Wisconsin

Cheap Auto Insurance for Government Employees in Wisconsin

Wouldn’t it be easy if we could tell you that one perfect company that has the lowest rates for government employees? Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements such as the performance level of your vehicle, if your vehicle is used for personal use or work, if you own or rent your home, and whether you are a man or a woman. We are going to cover the best ways to avoid high prices and educate you enough to have some help in finding cheaper rates.

Finding out which companies have the most affordable car insurance rates for government employees will take a bit more work in order to find the most economical policy. Each insurer has a unique formula for determining prices, so let’s take a look at the car insurance companies with the overall best prices in Wisconsin.

Find Cheaper Car Insurance in Wisconsin

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What’s the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $632
3 Erie $724
4 Rockford Mutual $746
5 Nationwide $752
6 Pekin Insurance $768
7 Integrity Mutual $770
8 Rural Mutual Insurance $772
9 Western National $777
10 Travelers $804
11 State Farm $905
12 The Hartford $922
13 West Bend Mutual $926
14 General Casualty $964
15 Auto Club Group $968
16 Auto-Owners $1,126
17 Progressive $1,130
18 American Family $1,137
19 Farmers $1,176
20 GEICO $1,202
Find Cheaper Rates Go

USAA may offer some of the cheapest car insurance rates in Wisconsin at around $604 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also be considered some of the cheaper Wisconsin car insurance companies.

As the rates illustrate above, if you are insured with Nationwide and switched to Partners Mutual, you could earn yearly savings of upwards of $120. Insureds with Pekin Insurance may save as much as $136 a year, and Integrity Mutual policyholders might lower prices by up to $138 a year.

If you want to see how much you could save, click here to begin a quote or feel free to get quotes from the companies below.

Remember that these policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a price discount for government employees. So the company that fits your situation best may not even be included in the list of companies above. That’s why you need to get rate quotes using your own driver data and vehicle information.

The car, truck, or SUV requiring insurance is probably the most important factor when shopping for cheap car insurance for government employees in Wisconsin. Vehicles with lower acceleration and performance, good safety features, or a positive history of liability claims will cost much less to insure than high performance models. The information below showcases auto insurance premiums for a handful of the most affordable automobiles to insure in Wisconsin.

Cheapest Auto Insurance Rates for Government Employees in Wisconsin
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $421
Hyundai Elantra SE Touring Station Wagon $462
Ford Escape XLS 2WD $475
Jeep Wrangler Sport 4WD 2-Dr $488
Honda CR-V EX 4WD $493
Chevrolet Equinox LT 2WD $499
Ford Explorer Eddie Bauer 4WD $510
Kia Forte SX 4-Dr Sedan $520
Toyota Tacoma Double Cab TRD Sport Package 4WD $510
Ford F-150 XL Regular Cab 4WD $515
Hyundai Tucson GLS 4WD $524
Subaru Forester XT Limited Edition AWD $516
Honda Civic VP 4-Dr Sedan $520
Toyota Prius $522
Toyota Camry SE $531
Chevrolet Traverse LTZ 2WD $534
Ford Edge Limited 2WD $537
Ford Fusion SEL 4-Dr Sedan $542
Dodge Grand Caravan Hero $549
Chevrolet Impala LT $554
Start Your Quote Go

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can lower or raise coverage prices substantially.

Based upon the rates shown, we can tell that cars like the Honda Accord, Hyundai Elantra, Ford Escape, and Jeep Wrangler should be the most affordable vehicles to insure for state and federal workers.

Buying coverage from the right car insurance provider is difficult considering how many choices drivers have in Wisconsin. The company ratings displayed below could help you analyze which coverage providers to look at when shopping your coverage around. These rankings are for the largest auto insurers in America, so companies that have a smaller presence will not be included in these rankings.

Top 10 Major Auto Insurance Providers Overall in Wisconsin

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

How to get discounts on Wisconsin auto insurance rates

Cheaper Wisconsin car insurance for state and federal workersAuto insurance companies that offer cheap car insurance for government employees in Wisconsin may additionally offer discounts that could lower prices by as much as 30% if you meet certain criteria. Popular car insurance companies and a selection of discounts are included below.

Car Insurance Discounts Available by Company
Discount Geico Progressive State Farm Allstate
Bundle discount Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No
Anti-theft Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes
Air bags Yes No Yes Yes
Running lights Yes No Yes No
New vehicle No No Yes Yes
No accidents Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Low mileage No Yes Yes Yes
Military Yes Yes Yes No
Affinity/occupation Yes No No No
Paid in full Yes Yes No Yes
Email statements Yes Yes No Yes
Brand loyalty No Yes Yes No
Early sign-up No No No Yes
Good grades Yes Yes Yes Yes
Student at college No Yes Yes Yes
Homeowner No Yes No No
Use seat belts Yes No No No
Get quote online No Yes No No
Get Quotes Go

The illustration below illustrates the comparison of annual premium costs with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, claim-free, homeowner, vehicle safety, safe-driver, and passive restraint discounts applied. When discounts are factored in, the average savings per year on car insurance for government employees is 32% or $549.