Cheapest Auto Insurance Quotes for Young Drivers in Wisconsin

Cheapest Auto Insurance Quotes for Young Drivers in Wisconsin

You have probably watched the catchy commercials from insurers like The General, Allstate, and Nationwide that guarantee dirt cheap rates, so drivers just need to pick the one with the catchiest commercial, right?

Regrettably, it’s not quite that easy, as there are a ton of unknown elements like the amount of physical damage deductibles, the insurance company you are currently insured with, and whether you are female or male, that all have an effect on the price of a policy. The content below covers these factors and others that can influence the price of auto insurance and will hopefully give you some help in finding cheaper rates.

For youthful drivers, one of the more important factors that help determine the amount you pay for auto insurance is the neighborhood you call home in Wisconsin. Areas with increased crime or more people like Milwaukee, West Allis, and Kenosha tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The next table displays the priciest cities in Wisconsin for young drivers in which to buy car insurance.

Wisconsin cities ranked by car insurance cost
Rank City Annual Rate
1 Milwaukee $1,396
2 Wauwatosa $1,305
3 West Allis $1,234
4 Racine $1,229
5 Kenosha $1,218
6 Oak Creek $1,202
7 Greenfield $1,156
8 Beloit $1,152
9 Franklin $1,117
10 Waukesha $1,065
11 La Crosse $1,053
12 Eau Claire $1,049
13 Wausau $1,047
14 Brookfield $1,045
15 Menomonee Falls $1,037
16 Madison $1,030
17 New Berlin $1,029
18 West Bend $1,017
19 Janesville $1,011
20 Fond du Lac $985
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Information shown are approximated as the specific Wisconsin residence address can alter premiums noticeably.

Performance level and cost of the vehicle needing coverage is one of the largest considerations that determines the availablility of the best cheap insurance for young drivers. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.

The information below illustrates insurance premiums for a number of the cheaper vehicles to buy insurance for.

Car Insurance Rates for Popular Cars in Wisconsin
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $2,876 $1,438 $240
Ford Fusion Hybrid 4-Dr Sedan $3,674 $1,837 $306
Honda Accord EX 4-Dr Sedan $2,420 $1,210 $202
Hyundai Elantra Blue 4-Dr Sedan $3,028 $1,514 $252
Hyundai Sonata Limited 4-Dr Sedan $3,298 $1,649 $275
Kia Optima SX $3,298 $1,649 $275
Nissan Altima 2.5 S 4-Dr Sedan $3,058 $1,529 $255
Volkswagen Jetta SE 4-Dr Sedan $3,088 $1,544 $257
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Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can change prices noticeably.

Insurance Rates for Popular SUVs and Crossovers in Wisconsin
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $3,118 $1,559 $260
BMW X5 M AWD $3,758 $1,879 $313
Chevrolet Traverse LS AWD $2,480 $1,240 $207
Ford Escape XLT 2WD $2,420 $1,210 $202
Ford Explorer Limited 4WD $2,906 $1,453 $242
GMC Acadia SLE 2WD $2,692 $1,346 $224
Honda CR-V LX 4WD $2,420 $1,210 $202
Honda Pilot Touring 4WD $2,906 $1,453 $242
Hyundai Tucson GLS 4WD $2,692 $1,346 $224
Jeep Grand Cherokee Laredo 4WD $2,876 $1,438 $240
Lexus RX 350 4WD $3,512 $1,756 $293
Toyota 4Runner Sport 2WD $2,480 $1,240 $207
Toyota Highlander SE 4WD $3,118 $1,559 $260
Toyota RAV4 Sport 4WD $2,876 $1,438 $240
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Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Wisconsin garaging location which can decrease or increase prices substantially.

Car Insurance Rates for Popular Pickup Trucks in Wisconsin
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $2,632 $1,316 $219
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $3,332 $1,666 $278
Chevrolet Silverado LS Extended Cab 4WD $2,876 $1,438 $240
Dodge Ram 2500 Crew Cab SLT 2WD $3,482 $1,741 $290
Dodge Ram 3500 Crew Cab Laramie 4WD $4,320 $2,160 $360
Dodge Ram Crew Cab TRX 4WD $3,328 $1,664 $277
Ford F-150 FX4 4WD $2,906 $1,453 $242
GMC Sierra 2500HD SLE Regular Cab 2WD $3,298 $1,649 $275
GMC Sierra SLE Regular Cab 2WD $2,876 $1,438 $240
Toyota Tundra SR/5 Crew Max 2WD $3,086 $1,543 $257
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Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in Wisconsin which can affect insurance rates substantially.

Full coverage versus liability only rates

Finding the cheapest auto insurance for young drivers in Wisconsin should be important to the majority of vehicle owners, and a good way to buy cheaper insurance is to buy only liability coverage. The diagram below shows the difference between insurance costs with full coverage and liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

If all age groups are averaged, physical damage coverage costs an additional $1,217 per year more than just insuring for liability. That proposes the question if buying full coverage is a good investment. There isn’t a written rule for dropping physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

Ending up with a highly-rated insurance provider can be challenging considering how many companies there are in Wisconsin. The ranking data in the next section could help you decide which car insurance providers you want to consider when shopping car insurance rates for young drivers.

These ratings only include large, nationwide insurance companies, so companies that may only write in Wisconsin are not taken into consideration for these rankings. To compare prices and find cheaper insurance for young drivers, simply click here.

Top 15 Car Insurance Companies in Wisconsin
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
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Data Source: Insure.com Best Car Insurance Companies

How to find the cheapest auto insurance for young drivers in Wisconsin

The list below shows some of the better money-saving ideas that can help Wisconsin drivers find lower-cost coverage.

  • If possible, do not file small claims
  • Buy your auto and home insurance from the same company and save
  • Safe vehicles generally have lower rates
  • Prevent rate increases by staying accident-free
  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Compare rates regularly to ensure the best deal

The last tip is highly necessary, as was emphasized in this write-up. Prices in Wisconsin can be modified anytime, so don’t be unwilling to buy a different policy if a cheaper price is available.

Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you lots of hard earned cash every month. It only take a few minutes to compare prices to find cheaper insurance for young drivers.

Who has the cheapest insurance quotes for youthful drivers?

There are many ways to buy car insurance in Wisconsin, but the most preferred ways are through an independent agent, a captive (or exclusive) agent such as Liberty Mutual or State Farm, or direct either online or via phone. All three ways can provide car insurance quotes, but it’s important to understand the differences in how they function.

Independent insurance agencies can place your business with multiple companies and can provide price quotes from every one. They are not employed by only one company and can provide multiple price quotes, which may provide you with a better overall rate comparison. If they find a lower price, they can switch companies in-house which makes it simple for you.

An agent who is captive is restricted to quoting rates for a single insurance company, for example State Farm and Auto-Owners agents. Exclusive agents are unable to place coverage with different providers, so they have no alternatives for high prices.

Direct car insurance buyers bypass an exlusive or independent agent and instead shop from a direct company like Geico or Progressive. This option may be the best choice families who have an average risk profile and have a decent understanding of how car insurance works.

So which of the methods works best to buy the cheapest auto insurance for young drivers in Wisconsin? We wish we could say buying direct yields the cheapest rates since there is no need to pay agent commissions, but in reality, that argument does not hold true. We could also assume that an independent agent results in the best rates because they can quote many companies, but that’s not always true, either. In the right set of circumstances, the exclusive agents have really good rates that independents and direct companies can’t touch.

Due to that fact that car insurance uses so many rating variables, the only real way to not overpay for car insurance is to compare lots of quotes. Smart shoppers will get prices from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.