Best Cheap Car Insurance for Single Moms in Wisconsin

It would sure make life easier if we could just give you the name of the single company that has the lowest rates in Wisconsin. It’s just not that simple, as there are a lot of unknown factors such as any tickets or violations, whether you are married or single, your financial responsibility, and if you are a man or woman, that all impact the cost of your policy. We will touch on the best ways to save on auto insurance and hopefully give you enough understanding to have some help in finding cheaper rates.

Figuring out which company quotes the lowest-priced car insurance rates for single moms involves a bit more effort than just getting one or two price quotes.

Each insurer has their own process to determine rates, so let’s examine the most affordable car insurance companies in Wisconsin. It’s important that readers know that Wisconsin car insurance rates are determined by lots of factors that can increase the policy price. Simply having a birthday, having a teen driver, or getting a DUI can cause premium changes that may make certain companies cheaper than others.

Best Insurance Companies for Single Moms

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USAA normally has some of the best car insurance rates in Wisconsin at around $580 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide are also some of the best Wisconsin insurance companies.

In the above rates, if you are a customer of Rockford Mutual and switched to USAA, you may realize annual savings of in the vicinity of $166. Customers with Nationwide could save as much as $172 a year, and Pekin Insurance policyholders might cut rates by $188 a year.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and and are not figured with a rate discount for single moms. So the insurer that can offer the best rates for your situation may not even be included in the company chart above. That’s why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The car, truck, or SUV you are seeking coverage for is probably the largest consideration when comparing cheaper car insurance for single moms. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The list below features insurance prices for a handful of the most budget-friendly vehicles to buy coverage for.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can change premiums substantially.

Based upon the rates shown, we can tell that cars like the Toyota Tacoma, Chevrolet Equinox, Chevrolet Traverse, and Dodge Grand Caravan should be a few of the most budget-friendly vehicles to insure for single parents.

Get discounts on Wisconsin insurance

Auto insurance companies that sell the best cheap auto insurance for single moms in Wisconsin may also provide discounts that can lower rates by as much as 40% or more if you are eligible to receive them. A few popular companies and some of the premium reductions they offer include:

• Travelers includes discounts for multi-car, multi-policy, good student, driver training, save driver, hybrid/electric vehicle, and payment discounts.
• 21st Century policyholders can earn discounts including air bags, good student, automatic seat belts, anti-lock brakes, and student driver.
• State Farm has savings for safe vehicle, passive restraint, good student, defensive driving training, accident-free, Drive Safe & Save, and multiple autos.
• GEICO may include discounts for emergency military deployment, federal employee, anti-theft, membership and employees, air bags, defensive driver, and driver training.
• SAFECO may have discounts that include teen safe driver, drive less, anti-lock brakes, bundle discounts, teen safety rewards, homeowner, and accident prevention training.
• AAA offers premium reductions for multi-policy, multi-car, good student, education and occupation, AAA membership discount, and pay-in-full.

The chart below shows the comparison of insurance prices with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving citations, Wisconsin state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple policy, claim-free, vehicle safety, defensive driving course, and multiple vehicle discounts applied. With discounts applied, the average savings per year on car insurance for single moms is 27% or $334.

Geico vs State Farm vs Progressive vs Allstate

When it comes to auto insurance for single parents in Wisconsin, four of the best places to start are Geico, State Farm, Progressive, and Allstate. The following table illustrates pricing and service ratings, as well as optional policy coverages that you can purchase from each one.

How to get the best cheap auto insurance for single moms in Wisconsin

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help Wisconsin drivers find lower-cost coverage.

• At-fault accidents will increase rates
• Clean up your credit rating
• Buy vehicles with five-star safety ratings
• Keep your driving record clean
• Higher physical damage deductibles lower rates
• Compare prices as often as possible

The last item on the list is notably vital, as was affirmed in this piece. Auto insurance prices can change considerably in a year, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.

Sticking with a specific company is fine, but is isn’t recommended if that devotedness results in you overpaying potentially thousands of dollars a year. In just a couple of minutes you could compare prices and find cheaper car insurance for single moms.