The words “bargain” and “auto insurance” really don’t belong together, especially when you are shopping around for the best car insurance for state employees. To help control this cost, let’s take a look at some of the things that significantly impact car insurance premiums, and figure out some ways to take the bite out of the next policy you buy.
For state workers, one of the more important things that are looked at to help calculate the annual cost of car insurance is where you choose to live in Milwaukee. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower prices.
The information below shows the most expensive areas in Wisconsin for state employees to purchase car insurance in. Milwaukee is ranked at #2 with the annual price of $1,354 for the average policy, which is approximately $113 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Wauwatosa | $1,359 |
| 2 | Milwaukee | $1,354 |
| 3 | West Allis | $1,198 |
| 4 | Kenosha | $1,194 |
| 5 | Greenfield | $1,192 |
| 6 | Racine | $1,181 |
| 7 | Oak Creek | $1,166 |
| 8 | Franklin | $1,163 |
| 9 | Beloit | $1,152 |
| 10 | Eau Claire | $1,091 |
| 11 | Madison | $1,072 |
| 12 | Wausau | $1,069 |
| 13 | Menomonee Falls | $1,068 |
| 14 | Brookfield | $1,067 |
| 15 | New Berlin | $1,060 |
| 16 | Janesville | $1,042 |
| 17 | Waukesha | $1,034 |
| 18 | La Crosse | $1,033 |
| 19 | West Bend | $1,017 |
| 20 | Manitowoc | $997 |
| 21 | Fond du Lac | $995 |
| 22 | Oshkosh | $980 |
| 23 | Appleton | $964 |
| 24 | Green Bay | $941 |
| 25 | Sheboygan | $925 |
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Rates are approximated as the specific garaging location can alter coverage prices significantly.
Finding dependable, reasonably-priced insurance is hard enough, and deciding which insurers offer the best insurance rates for state employees will require even more work.
Every car insurance company uses a little different formula for establishing rates, so to begin we’ll rank the most affordable insurance companies in Milwaukee, WI.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $598 |
| 2 | Partners Mutual | $614 |
| 3 | Erie | $696 |
| 4 | Rockford Mutual | $732 |
| 5 | Pekin Insurance | $745 |
| 6 | Nationwide | $752 |
| 7 | Integrity Mutual | $762 |
| 8 | Western National | $769 |
| 9 | Rural Mutual Insurance | $772 |
| 10 | Travelers | $820 |
| 11 | West Bend Mutual | $899 |
| 12 | State Farm | $905 |
| 13 | The Hartford | $912 |
| 14 | Auto Club Group | $939 |
| 15 | General Casualty | $964 |
| 16 | Auto-Owners | $1,126 |
| 17 | Progressive | $1,130 |
| 18 | American Family | $1,137 |
| 19 | Farmers | $1,165 |
| 20 | GEICO | $1,238 |
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USAA may offer some of the most affordable car insurance rates in Milwaukee at around $598 annually. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance are also some of the cheaper Milwaukee, WI insurance companies.
As shown above, if you are a policyholder with Pekin Insurance and switched to Partners Mutual, you might achieve an annual savings of approximately $131. Wisconsin drivers with Nationwide could save as much as $138 a year, and Integrity Mutual insureds might reduce prices by as much as $148 a year.
To see if your current coverage is too expensive, click here to begin a quote or quote prices from the following companies.
Be aware that those prices are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for state employees. So the auto insurance company that can offer you the lowest price may not even be in the top 30 companies in the list above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.
The car, truck, or SUV that is being insured is probably the biggest factor that determines whether or not you can buy cheaper insurance for state employees. Vehicles with high performance engines, poor passenger 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 list outlines coverage costs for some of the most cost-effective vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,727 |
| Honda CR-V EX-L 4WD | $1,785 |
| Dodge Grand Caravan Hero | $1,803 |
| Chevrolet Impala LT | $1,813 |
| Toyota RAV4 Limited 4WD | $1,803 |
| Chevrolet Equinox LT 2WD | $1,811 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,897 |
| Toyota Prius | $1,919 |
| Toyota Tacoma 4WD | $1,934 |
| Honda Odyssey Touring | $1,943 |
| Chevrolet Malibu LTZ | $1,934 |
| Ford Fusion Sport 4-Dr Sedan | $1,939 |
| Dodge Ram Crew Cab ST 4WD | $1,967 |
| Ford Edge Limited 2WD | $2,004 |
| Ford F-350 Super Cab Harley Edition 2WD | $2,007 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates substantially.
By looking at the data, we can assume that vehicles like the Ford Escape, Honda CR-V, Dodge Grand Caravan, Chevrolet Impala, and Toyota RAV4 are a few of the cheapest vehicles to insure for state workers.
Discount Milwaukee insurance
Auto insurance companies that offer cheap quotes for state employees may also offer price discounts that can lower rates by 40% or more if you are eligible to receive them. A list of companies and their offered discounts are shown below.
- State Farm has savings for student away at school, multiple autos, accident-free, multiple policy, and defensive driving training.
- GEICO includes discounts for federal employee, military active duty, emergency military deployment, seat belt use, driver training, multi-vehicle, and good student.
- SAFECO may offer discounts for multi-car, drive less, homeowner, bundle discounts, safe driver, teen safe driver, and anti-lock brakes.
- Farmers Insurance may have discounts that include teen driver, mature driver, good student, youthful driver, early shopping, and distant student.
- AAA offers discounts for multi-car, anti-theft, multi-policy, pay-in-full, and AAA membership discount.
- USAA policyholders can earn discounts including family discount, multi-vehicle, loyalty savings, defensive driver, military installation, good student, and annual mileage.
The chart below illustrates the difference between car insurance costs with and without discounts applied to the premium. The data is based on a female driver, no claims or driving violations, Wisconsin state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, multiple policy, multiple vehicle, homeowner, anti-theft, and defensive driving course discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for state employees is 28% or $383.
Buying coverage from the right auto insurance company can be rather challenging considering how many companies sell insurance in Milwaukee. The ranking data in the lists below may help you choose which providers to look at putting your business with.
These rankings only include companies who write in the majority of U.S. states, so companies that focus mainly on Wisconsin business are not taken into consideration for these rankings. To compare price quotes and find cheaper insurance for state employees, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how your deductible choice can change insurance rates when researching cheap insurance for state employees. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could lower their car insurance rates by $182 a year by increasing from a $100 deductible up to a $500 deductible, or save $276 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could roll back prices $390 each year just by choosing higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it will be important to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.