Best Cheap Car Insurance for 17 Year Olds in Wisconsin

Figuring out which company offers the best auto insurance rates for 17 year olds may require a bit more effort in order to find the lowest price quote. Each auto insurer uses their own formula for setting rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Wisconsin.

It’s important to understand that Wisconsin auto insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Turning one year older, buying a different home, or getting a ticket for careless driving can produce rate changes that can now make some companies more affordable than others.

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USAA offers some of the lowest car insurance rates in Wisconsin at around $580 annually. Partners Mutual, Rockford Mutual, Erie, and Rural Mutual Insurance also make the cut as some of the cheapest Wisconsin car insurance companies.

In the rate table above, if you are currently insured with Erie and switched to USAA, you could realize an annual premium reduction of in the neighborhood of $144. Drivers with Rural Mutual Insurance could save as much as $169 a year, and Pekin Insurance insureds might reduce rates by $172 a year.

Be aware that those premiums are averaged for all insureds and vehicles and and are not calculated with a rate surcharge for 17 year olds. So the car insurance company that can offer the best rates for your situation may not even be included in the chart above. That illustrates why you need to quote rates from many companies using your own driver and vehicle profiles.

One of the key things that determine the amount you pay each year for auto insurance is where you call home in Wisconsin. Areas with more people like Milwaukee, West Allis, and Racine are more likely to pay higher prices, whereas less populated areas get the luxury of paying less.

The next table sorts the most expensive areas in Wisconsin for 17 year olds in which to purchase auto insurance.

Rates are approximated as the specific garaging location can impact insurance rates significantly.

The make and model of vehicle that needs insurance is a significant factor when shopping around for the best cheap auto insurance for 17 year olds. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The next table outlines auto insurance costs for the cheaper automobiles to buy coverage for.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can lower or raise prices significantly.

Based upon the rates shown, makes and models like the Ford Escape, Honda Accord, Hyundai Elantra, and Chevrolet Traverse will definitely be a few of the cheaper vehicles to insure for teen drivers. The price for car insurance will be more expensive just because there is more risk for 17 year olds, but generally speaking those vehicles will have the least expensive rates that you’ll find.

Who is cheaper: Progressive, State Farm, Allstate, or Geico?

When comparing auto insurance for teen drivers, the top insurers to get price quotes from are Progressive, State Farm, Allstate, and Geico. When combined, they have over 48% of the entire U.S. car insurance market. All four offer physical damage and liability coverage, but each has unique options and discounts that shoppers can select from. The table below shows pricing and service ratings, plus some optional coverages that are available for buyers.