Best Cheap Car Insurance Quotes for Safe Drivers in Wisconsin

Best Cheap Car Insurance Quotes for Safe Drivers in Wisconsin

Our staff writers always rib each other than when writing about auto insurance, the word “cheap” should never be used anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap car insurance for safe drivers is not easy to find. Don’t let that bother you, though, because we can show you some ways you can quote and buy insurance that won’t break the bank.

One of the key criteria used to establish the policy price is your address in Wisconsin. Regions with more people or even just more weather-related claims like Milwaukee, West Allis, and Racine tend to pay slightly more, whereas cities that are not as densely populated benefit from lower rates.

The following table ranks the most expensive cities in Wisconsin for safe drivers in which to purchase auto insurance.

How much does car insurance cost in Wisconsin?
Rank City Annual Premium
1 Milwaukee $1,396
2 Wauwatosa $1,305
3 West Allis $1,234
4 Kenosha $1,230
5 Racine $1,229
6 Greenfield $1,192
7 Oak Creek $1,166
8 Franklin $1,163
9 Beloit $1,152
10 Eau Claire $1,081
11 Brookfield $1,077
12 Waukesha $1,065
13 Madison $1,062
14 La Crosse $1,053
15 Wausau $1,047
16 Menomonee Falls $1,026
17 New Berlin $1,018
18 Janesville $1,011
19 West Bend $1,007
20 Fond du Lac $995
21 Oshkosh $989
22 Manitowoc $967
23 Green Bay $960
24 Sheboygan $935
25 Appleton $926
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Rate quotes are comparative as specific location information can impact rates substantially.

Determining which company quotes the cheapest auto insurance rates for safe drivers may require a little more sweat in order to find coverage that fits your buget.

Each insurer uses a slightly different approach to determine premium rates, so let’s look at the rankings for the most affordable auto insurance companies in Wisconsin.

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What’s the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $586
2 Partners Mutual $608
3 Erie $724
4 Rockford Mutual $732
5 Pekin Insurance $745
6 Rural Mutual Insurance $749
7 Nationwide $775
8 Western National $777
9 Integrity Mutual $786
10 Travelers $804
11 West Bend Mutual $890
12 The Hartford $922
13 State Farm $923
14 General Casualty $954
15 Auto Club Group $968
16 Auto-Owners $1,126
17 American Family $1,159
18 Progressive $1,164
19 Farmers $1,176
20 GEICO $1,190
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USAA normally has some of the lowest car insurance rates in Wisconsin at around $586 a year. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also make the cut as some of the best Wisconsin car insurance companies.

As depicted above, if you are a customer of Rockford Mutual and switched to Partners Mutual, you could see savings of in the neighborhood of $124. Customers with Pekin Insurance might save as much as $137 a year, and Rural Mutual Insurance policyholders might see rate reductions of $141 a year.

Understand that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate decrease for safe drivers. So the car insurance company that has the cheapest price for you may not even be included in the above list. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

How careless driving impacts Wisconsin auto insurance rates

One of the best ways to get affordable auto insurance rates in Wisconsin for good drivers is to be an attentive driver and avoid at-fault accidents and violations. The chart below highlights how traffic violations and at-fault accidents can affect insurance rates for different age categories. The costs are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

In the previous chart, the average cost of car insurance in Wisconsin per year with no accidents and a clean driving record is $1,391. Get written up for one speeding ticket and the average cost jumps to $1,617, an increase of $226 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for safe drivers jumps again to an average of $2,263. That’s an increase of $872, or $73 per month, just for not being attentive to the road!

How to get the best cheap auto insurance for safe drivers in Wisconsin

The list below shows many penny-pinching ideas that can help drivers quote cheaper coverage.

  • Buying home and auto together can help save money
  • Older vehicles may not need full coverage
  • Clean up your credit
  • Earn a discount by not filing claims
  • Increase deductibles to save money
  • Buy safe vehicles
  • Keep rates low by comparing prices once a year

The final tip is especially important, as we discussed in the article above. Insurance prices in Wisconsin change a lot, so don’t hesitate to buy from a new company if a cheaper price is available.

Sticking with a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars a year. It takes less than five minutes to shop around to find cheaper auto insurance for safe drivers.