Cheap Car Insurance Quotes for Hybrid Vehicles in Wisconsin

You have most likely seen the commercials from auto insurance companies like Nationwide, Progressive, and Liberty Mutual that promise the cheapest 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 lot of unknowns like what physical damage coverage deductibles you want, if you are a renter or homeowner, and if you are a woman or a man, that help determine the price you have to pay. This article will detail these things and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance.

The type of vehicle that needs insurance is one of the largest considerations when comparison shopping for cheap auto insurance for hybrid vehicles in Wisconsin. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The data below shows coverage rates for a handful of the most budget-friendly vehicles to insure in Wisconsin.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can revise premiums noticeably.

Looking at the rates, you can figure that vehicles like the Honda CR-V, Honda Accord, Toyota Prius, Subaru Forester, and Subaru Outback are likely to be some of the cheapest vehicles to insure for hybrids.

Finding dependable, low-priced auto insurance is easier said than done, and deciding which company offers the cheapest insurance rates for hybrid vehicles will take a bit more work. Each auto insurance company uses a little different formula for setting prices, so to begin we’ll rank the overall cheapest insurance companies in Wisconsin.

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USAA generally has some of the best car insurance rates in Wisconsin at around $598 each year. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also rank well as some of the cheapest Wisconsin auto insurance companies.

In the above rates, if you are insured with Pekin Insurance and switched to Partners Mutual, you may realize an annual savings of in the vicinity of $126. Insureds with Rural Mutual Insurance may save as much as $130 a year, and Nationwide insureds might reduce prices by as much as $142 a year.

Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a rate discount for hybrid vehicles. So the insurer that can offer the best rates for your situation may not even be included in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Accidents and violations increase rates

One of the best ways to find cheap auto insurance for hybrid vehicles in Wisconsin is to be a cautious driver and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and at-fault fender-benders can raise yearly insurance costs for each different age category. The data assumes a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of a car insurance policy in Wisconsin per year with no accidents or violations is $1,100. Receive one speeding ticket and the average cost increases to $1,266, an increase of $165 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for hybrid vehicles goes up to an average of $1,730. That’s an increase of $630, or $53 per month, just for a couple of infractions!

Cheapest car insurance: State Farm, Allstate, Progressive, or Geico

If you are shopping around for auto insurance, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. The next table shows pricing and service ratings, as well as optional policy coverages that you can purchase from each one.