The type of vehicle to be insured is a large consideration when comparison shopping for the cheapest coverage for 17 year olds. Vehicles with high performance engines, poor safety features, or a track record of large liability claims will cost significantly more to insure than safer models.
The next table shows insurance premiums for a number of the more affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $6,374 |
| Honda CR-V LX 4WD | $6,380 |
| Ford Escape XLT 4WD | $6,437 |
| Hyundai Elantra SE Touring Station Wagon | $6,840 |
| Toyota Prius | $6,902 |
| Ford F-150 XL Regular Cab 4WD | $7,162 |
| Dodge Grand Caravan CV | $7,171 |
| Chevrolet Equinox LS 2WD | $7,565 |
| Toyota RAV4 Sport 2WD | $7,570 |
| Jeep Grand Cherokee Laredo 2WD | $7,565 |
| Ford Explorer Limited AWD | $7,627 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $7,635 |
| Honda Civic LX-S 4-Dr Sedan | $7,905 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $7,964 |
| Toyota Corolla LE | $7,967 |
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Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can impact insurance rates considerably.
By looking at the data, you can presume that models like the Honda Accord, Honda CR-V, Ford Escape, Hyundai Elantra, and Toyota Prius will be some of the most affordable vehicles to insure for teen drivers. Prices will be higher anyway because of the fact that there is more claim risk for 17 year olds, but generally speaking those particular models will most likely have the cheapest car insurance rates possible.
For teen drivers, one of the largest things that aid in calculating auto insurance rates is where you live in Milwaukee. Larger areas tend to have higher rates, whereas areas that tend to be more rural benefit from lower rates.
The table below shows the priciest cities in Wisconsin for 17 year olds in which to buy car insurance. Milwaukee is ranked #1 with an annual premium of $1,354 for car insurance, which is about $113 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Milwaukee | $1,354 |
| 2 | Wauwatosa | $1,319 |
| 3 | West Allis | $1,246 |
| 4 | Racine | $1,193 |
| 5 | Kenosha | $1,182 |
| 6 | Beloit | $1,164 |
| 7 | Greenfield | $1,156 |
| 8 | Oak Creek | $1,154 |
| 9 | Franklin | $1,129 |
| 10 | Wausau | $1,069 |
| 11 | Menomonee Falls | $1,068 |
| 12 | Brookfield | $1,067 |
| 13 | Madison | $1,062 |
| 14 | New Berlin | $1,060 |
| 15 | Waukesha | $1,054 |
| 16 | Eau Claire | $1,049 |
| 17 | La Crosse | $1,033 |
| 18 | Janesville | $1,011 |
| 19 | West Bend | $1,007 |
| 20 | Oshkosh | $980 |
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Rate quotes are estimated as the specific geographic location can impact coverage rates greatly.
Buying low-priced car insurance is confusing at best, and finding out which companies have the best auto insurance rates for 17 year olds will take a bit more work. Each company uses a different method to set policy rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in Milwaukee.
Cheapest Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $598 |
| 2 | Partners Mutual | $632 |
| 3 | Erie | $724 |
| 4 | Pekin Insurance | $752 |
| 5 | Nationwide | $752 |
| 6 | Rockford Mutual | $754 |
| 7 | Integrity Mutual | $762 |
| 8 | Western National | $769 |
| 9 | Rural Mutual Insurance | $772 |
| 10 | Travelers | $820 |
| 11 | The Hartford | $912 |
| 12 | State Farm | $923 |
| 13 | West Bend Mutual | $926 |
| 14 | General Casualty | $964 |
| 15 | Auto Club Group | $977 |
| 16 | Progressive | $1,130 |
| 17 | American Family | $1,137 |
| 18 | Farmers | $1,141 |
| 19 | Auto-Owners | $1,160 |
| 20 | State Auto | $1,235 |
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USAA may have some of the cheapest car insurance rates in Milwaukee at around $598 annually. Partners Mutual, Erie, Pekin Insurance, and Nationwide also make the cut as some of the more affordable Milwaukee, WI auto insurance companies.
In this example, if you buy coverage from Nationwide and switched to Partners Mutual, you might see a yearly price reduction of about $120. Insureds with Rockford Mutual may save as much as $122 a year, and Integrity Mutual insureds might see rate reductions of $130 a year.
It’s important to note that these premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for 17 year olds. So the insurer that fits your situation best may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Irresponsible driving raises your rates
In a perfect world, the ideal way to find the best auto insurance prices for teen drivers is to be a safe driver and avoid traffic citations and accidents. The information below illustrates how traffic citations and accidents can raise premium costs for each age group. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the previous chart, the average cost of auto insurance in Milwaukee per year with no accidents and a clean driving record is $1,040. Get written up for one speeding ticket and the average cost jumps to $1,206, an increase of $166 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for 17 year olds jumps again to an average of $1,680. That’s an increase of $640, or $53 per month, just for not driving carefully!
Get discount Milwaukee insurance rates
Insurance providers that provide policies for 17 year olds may additionally offer rate discounts that could potentially reduce rates by 25% or more if you are eligible for them. Larger auto insurance companies and their possible discounts include:
- American Family offers premium reductions for TimeAway discount, accident-free, air bags, good student, Steer into Savings, and bundled insurance.
- Farm Bureau offers discounts for 55 and retired, youthful driver, driver training, multi-policy, multi-vehicle, and renewal discount.
- State Farm includes discounts for driver’s education, accident-free, defensive driving training, student away at school, and anti-theft.
- Travelers policyholders can earn discounts including student away at school, home ownership, payment discounts, IntelliDrive, and continuous insurance.
- The Hartford may have discounts that include vehicle fuel type, bundle, good student, driver training, and air bag.
- GEICO has savings for emergency military deployment, multi-policy, membership and employees, anti-theft, military active duty, and multi-vehicle.
- Progressive has discounts for continuous coverage, good student, multi-policy, online quote discount, multi-vehicle, homeowner, and online signing.
The illustration below shows the comparison of auto insurance rates with and without policy discounts. Data assumes a female driver, no accidents, no driving violations, Wisconsin state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with good student, anti-theft, continuous coverage, paid-in-full, vehicle safety, and paperless filing discounts applied. When discounts are applied, the average amount saved each year on auto insurance for 17 year olds is 28% or $399.
The illustration below shows how different deductible levels can increase or decrease insurance costs when quoting cheap insurance for 17 year olds. The rates are based on a married female driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could save $246 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $370 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can save up to $524 annually by selecting a higher deductible.
If you do make the decision to raise your deductibles, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense associated with higher deductibles.