Wouldn’t life be great if we could tell you the one perfect company that has the cheapest policy rates for government employees? It’s not that easy, however, as there are a whole bunch of unknown aspects like what level of deductibles you wish to have, citations or tickets, and your marital status, that all help calculate your car insurance rates. We will attempt to cover the best ways to maintain low rates and educate you enough to have a solid foundation to find cheaper car insurance in Milwaukee.
For state and federal workers, one of the big things that aid in calculating the annual cost of car insurance is where you live. Areas with high crime rates or more dense population will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The next table shows the most expensive cities in Wisconsin for government employees to buy an auto insurance policy in. Milwaukee ranks #1 with a yearly premium of $1,410 for the average insurance policy, which is approximately $118 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Milwaukee | $1,410 |
| 2 | Wauwatosa | $1,319 |
| 3 | West Allis | $1,234 |
| 4 | Kenosha | $1,230 |
| 5 | Racine | $1,193 |
| 6 | Greenfield | $1,168 |
| 7 | Beloit | $1,164 |
| 8 | Oak Creek | $1,154 |
| 9 | Franklin | $1,129 |
| 10 | Eau Claire | $1,081 |
| 11 | La Crosse | $1,064 |
| 12 | Madison | $1,062 |
| 13 | Menomonee Falls | $1,057 |
| 14 | Janesville | $1,053 |
| 15 | Wausau | $1,047 |
| 16 | Brookfield | $1,045 |
| 17 | New Berlin | $1,029 |
| 18 | Waukesha | $1,023 |
| 19 | West Bend | $987 |
| 20 | Oshkosh | $980 |
| 21 | Green Bay | $960 |
| 22 | Manitowoc | $957 |
| 23 | Fond du Lac | $956 |
| 24 | Appleton | $954 |
| 25 | Sheboygan | $953 |
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Rates are estimated as the specific area where the vehicle is garaged can influence premiums significantly.
The car, truck, or SUV that needs insurance is a large consideration when consumers are trying to find low-priced coverage for government employees. Vehicles with higher performance characteristics, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next table outlines car insurance prices for the more affordable automobiles to insure in Wisconsin.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Dodge Grand Caravan CV | $1,841 |
| Chevrolet Impala LS | $1,905 |
| Jeep Grand Cherokee Laredo 2WD | $1,943 |
| Chevrolet Equinox LS AWD | $1,951 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,981 |
| Honda CR-V EX-L 2WD | $2,062 |
| Ford Escape Limited 2WD | $2,067 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,083 |
| GMC Sierra SLT Extended Cab 2WD | $2,089 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,083 |
| Ford Explorer XLT 4WD | $2,112 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $2,118 |
| Chevrolet Silverado Crew Cab Hybrid 2WD | $2,184 |
| Ford Fusion SEL AWD 4-Dr Sedan | $2,219 |
| Toyota Camry Hybrid | $2,222 |
| Toyota Prius | $2,237 |
| Ford F-150 XL Super Cab 4WD | $2,254 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can change coverage prices significantly.
By looking at the data, you can figure that makes and models like the Dodge Grand Caravan, Chevrolet Impala, and Jeep Grand Cherokee are most likely going to be some of the most affordable vehicles to insure for state and federal workers.
Impact of violations and accidents on rates
In a perfect world, the ideal way to find the best car insurance rates in Wisconsin for state and federal workers is to be a safe driver and avoid at-fault accidents and violations. The illustration below illustrates how traffic citations and fender-benders influence premium costs for different age groups. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $932. Factor in two speeding tickets and the average cost jumps to $1,236, an increase of $305 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for government employees increases to an average of $2,511. That’s an increase of $1,579, or $132 per month, just for not driving responsibly!
Finding a high-quality car insurance company can be a challenge considering how many different companies there are to choose from in Wisconsin. The company information shown next could help you analyze which coverage providers to look at when insurance shopping for government employees. These ratings are only comprised of the companies with a significant amount of written premium nationwide, so companies that may only write in Wisconsin will not be included in this list.
Top 10 Major Car Insurance Companies Overall in Milwaukee
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Discounts on Milwaukee insurance rates
Auto insurance companies that offer coverage for government employees may additionally offer premium discounts that could potentially reduce rates by as much as 35% if you meet certain criteria. A list of companies and some of their more popular discounts can be read below.
- Travelers has discounts for early quote, save driver, good student, continuous insurance, IntelliDrive, and multi-car.
- 21st Century offers discounts including defensive driver, student driver, 55 and older, automatic seat belts, theft prevention, early bird, and homeowners.
- State Farm policyholders can earn discounts including driver’s education, passive restraint, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
- GEICO may offer discounts for federal employee, air bags, five-year accident-free, multi-policy, and defensive driver.
- SAFECO offers discounts for homeowner, safe driver, drive less, anti-theft, teen safety rewards, bundle discounts, and teen safe driver.
- AAA discounts include multi-car, pay-in-full, AAA membership discount, good student, and good driver.
The illustration below illustrates the difference between annual premium costs with and without some available policy discounts. The data is based on a female driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, defensive driving course, claim-free, anti-theft, homeowner, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on car insurance for government employees is 28% or $426.
How to find low-cost insurance for government employees
The list below shows a few money-saving ideas that can help Wisconsin drivers quote cheap car insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Save money by obeying traffic laws and keeping a clean driving record
- Increase your physical damage deductibles
- Avoid accidents
- Drop full coverage on older vehicles
- Better credit scores save money
- Compare quotes from other companies often
That last tip is especially crucial, as was pointed out in this piece. Auto insurance prices in Milwaukee can change considerably based on profitability, so don’t be hesitant to buy a different policy if a cheaper price is available. Sticking with a specific company is fine, but it’s not recommended if that loyalty results in overpaying potentially thousands of dollars a year. It only take a few minutes to compare prices to find cheaper auto insurance for government employees.
The auto insurance agents in Milwaukee shown below are a good start to help you make a decision which auto insurance policy fits you best, since lots of drivers aren’t clear which coverage they need and would like to get some help when trying to find lower insurance rates for government employees. It can be time-consuming to find the best coverage on your own, so professional agents can provide satisfaction knowing you have adequate coverage when you need it most. To locate a Milwaukee car insurance agency using an interactive map, click the button following the list.
- Farmers Insurance – Walt Buckhanan
5406 N Lovers Lane Rd – Milwaukee, WI 53225 – (414) 269-8945 - American Family Insurance – Gregory Felzer
790 N Milwaukee St #110 – Milwaukee, WI 53202 – (414) 224-9000 - Dern and Company
10335 W Oklahoma Ave #203 – Milwaukee, WI 53227 – (414) 935-5700 - Wesley Insurance
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 - Santiago Insurance Agency
828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284