For postal employees, one of the more important components that are looked at to help calculate car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The next table rates the highest-priced areas in Wisconsin for postal workers to purchase auto insurance in. Milwaukee is ranked #1 with the yearly price of $1,410 for coverage, which is approximately $118 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Milwaukee | $1,410 |
| 2 | Wauwatosa | $1,305 |
| 3 | West Allis | $1,246 |
| 4 | Oak Creek | $1,190 |
| 5 | Kenosha | $1,182 |
| 6 | Racine | $1,181 |
| 7 | Greenfield | $1,156 |
| 8 | Franklin | $1,129 |
| 9 | Beloit | $1,118 |
| 10 | Eau Claire | $1,081 |
| 11 | Wausau | $1,069 |
| 12 | Menomonee Falls | $1,068 |
| 13 | New Berlin | $1,049 |
| 14 | Janesville | $1,042 |
| 15 | Madison | $1,040 |
| 16 | Brookfield | $1,035 |
| 17 | Waukesha | $1,034 |
| 18 | La Crosse | $1,033 |
| 19 | West Bend | $1,017 |
| 20 | Manitowoc | $997 |
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Rate information is comparative as the specific geographic location can raise or lower rates significantly.
The make and model of vehicle requiring coverage is one of the primary factors that determines whether or not you find the cheapest insurance for postal workers. Vehicles with limited top-end speed, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The list below features insurance premiums for a number of the cheapest automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,682 |
| Ford Escape XLT 2WD | $1,842 |
| Ford F-150 XL Crew Cab 4WD | $1,921 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,974 |
| Toyota RAV4 Sport 2WD | $1,992 |
| Chevrolet Equinox LT AWD | $1,999 |
| Dodge Grand Caravan SXT | $2,030 |
| Chevrolet Malibu LT | $2,039 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,062 |
| Honda Odyssey LX | $2,091 |
| Toyota Prius | $2,103 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,132 |
| Ford Fusion Sport 4-Dr Sedan | $2,138 |
| GMC Sierra SLE Regular Cab 2WD | $2,182 |
| Toyota Camry LE | $2,188 |
| Toyota Tacoma 2WD | $2,196 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $2,214 |
| Ford Explorer Eddie Bauer AWD | $2,225 |
| Kia Optima SX | $2,278 |
| Nissan Altima 2.5 S 2-Dr Coupe | $2,288 |
| Chevrolet Impala LTZ | $2,302 |
| Chevrolet Silverado LS Extended Cab 2WD | $2,334 |
| Toyota Corolla XRS | $2,345 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates noticeably.
Looking at the numbers, vehicles like the Honda CR-V, Ford Escape, Ford F-150, and Volkswagen Jetta are the less-costly vehicles to insure for postal employees.
Finding out which companies have the cheapest car insurance rates for postal workers involves more work in order to find the best policy. Each auto insurance company has their own process for determining rates, so let’s take a look at the car insurance companies with the most affordable rates in Milwaukee, WI.
It’s a good idea to be aware that Milwaukee car insurance rates are based on many factors that may substantially change the price you have to pay. Simply improving your credit, adding a teenager to your policy, or getting a reckless driving citation can trigger changes in premium that may make certain companies much cheaper than others.
Compare Cheap Insurance Quotes for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $604 |
| 2 | Partners Mutual | $632 |
| 3 | Erie | $703 |
| 4 | Nationwide | $752 |
| 5 | Rockford Mutual | $754 |
| 6 | Western National | $769 |
| 7 | Integrity Mutual | $770 |
| 8 | Rural Mutual Insurance | $772 |
| 9 | Pekin Insurance | $775 |
| 10 | Travelers | $804 |
| 11 | West Bend Mutual | $890 |
| 12 | State Farm | $896 |
| 13 | The Hartford | $912 |
| 14 | Auto Club Group | $939 |
| 15 | General Casualty | $964 |
| 16 | Progressive | $1,118 |
| 17 | American Family | $1,125 |
| 18 | Farmers | $1,141 |
| 19 | Auto-Owners | $1,160 |
| 20 | GEICO | $1,238 |
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USAA offers some of the most affordable car insurance rates in Milwaukee at around $604 per year. Partners Mutual, Erie, Nationwide, and Rockford Mutual also rank well as some of the more affordable Milwaukee, WI auto insurance companies.
In the rate table above, if you are a policyholder with Nationwide and switched to Partners Mutual, you might see savings of roughly $120. Drivers with Rockford Mutual could save as much as $122 a year, and Western National customers might lower prices by $137 a year.
Bear in mind that those estimates are averages for all types of insureds and vehicles and do not take into consideration a vehicle location for postal workers. So the insurer that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That points out the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
Get discount Milwaukee insurance rates
Auto insurance companies that offer cheap quotes for postal workers may have discounts that could reduce prices by as much as 35% or more if you are eligible for them. The best car insurance companies and their possible discounts are outlined below.
- American Family offers premium reductions for air bags, good driver, TimeAway discount, multi-vehicle, bundled insurance, and Steer into Savings.
- Farm Bureau has savings for youthful driver, multi-policy, 55 and retired, driver training, good student, and renewal discount.
- State Farm may offer discounts for accident-free, good student, Steer Clear safe driver discount, safe vehicle, and student away at school.
- Travelers discounts include student away at school, continuous insurance, home ownership, good student, save driver, payment discounts, and hybrid/electric vehicle.
- The Hartford offers discounts for vehicle fuel type, driver training, good student, air bag, anti-theft, and bundle.
- GEICO has discounts for military active duty, seat belt use, federal employee, air bags, driver training, and multi-policy.
- Progressive may have discounts that include online quote discount, online signing, multi-policy, homeowner, multi-vehicle, continuous coverage, and good student.
The illustration below illustrates the comparison of annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no accidents, no driving violations, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, passive restraint, marriage, accident-free, homeowner, and safe-driver discounts applied. In this example, the average amount saved each year on car insurance for postal workers is 27% or $334.
The example below demonstrates how deductible levels can change insurance premiums when researching cheap insurance for postal workers. The information is based on a single male driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could lower rates by $188 a year by increasing from a $100 deductible to a $500 deductible, or save $284 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could drop their prices as much as $622 or even more just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it will be important to have enough funds in savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Milwaukee car insurance rates
Wisconsin car insurance rates are calculated based on many things that control your annual premium. Simply improving your credit, having a teen driver, or getting a couple of tickets may prompt premium changes that can now make some companies cheaper than others. Not only that, but insurers change their prices without warning to help ensure profitability. Larger than normal claims may cause increased policy costs, while lower claims may result in lower-priced Milwaukee car insurance rates.
For example, the bar chart below shows rates for the cheapest car insurance in Milwaukee, WI for a 30-year-old female driver with no accidents, a clean driving record, and great credit. If we look at prices based on her current risk profile, USAA has the cheapest car insurance rates in Milwaukee at $883 each year. This is $278 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance are the rest of the top five cheapest Milwaukee, WI auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an accident surcharge, bad credit, and a few blemishes on her driving record. Because each insurer has their own unique process to determine rates, analyzing rate quotes may now result in a different set of the cheapest car insurance companies in Milwaukee as shown below.
Nationwide now has the best price on car insurance in Milwaukee with Integrity Mutual, Western National, Travelers, and Partners Mutual also being competitive. This example shows why consumers need to perform a complete rate comparison when trying to find the most economical insurance quotes for postal workers.
Insurance prices consist of many risk factors and can increase or decrease at any time, so the best price the last time you compared rates may now be one of the more expensive options.