One of the more important factors that are looked at to help calculate car insurance rates is where you live in Milwaukee. Cities with more crime and/or more people tend to pay more, whereas more rural areas benefit from lower prices.
The information below ranks the highest-priced areas in Wisconsin for a learners permit in which to buy car insurance. Milwaukee makes the list at #1 with a yearly premium of $1,410 for the average insured, which is about $118 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Milwaukee | $1,410 |
| 2 | Wauwatosa | $1,305 |
| 3 | Racine | $1,229 |
| 4 | West Allis | $1,210 |
| 5 | Greenfield | $1,204 |
| 6 | Oak Creek | $1,202 |
| 7 | Kenosha | $1,182 |
| 8 | Beloit | $1,130 |
| 9 | Franklin | $1,129 |
| 10 | Wausau | $1,079 |
| 11 | Menomonee Falls | $1,068 |
| 12 | La Crosse | $1,064 |
| 13 | New Berlin | $1,060 |
| 14 | Waukesha | $1,054 |
| 15 | Eau Claire | $1,049 |
| 16 | Janesville | $1,042 |
| 17 | Brookfield | $1,035 |
| 18 | Madison | $1,030 |
| 19 | West Bend | $987 |
| 20 | Fond du Lac | $965 |
| Start a Quote Go | ||
Rate information is estimated as the specific garaging location can revise prices substantially.
The vehicle model on the policy is probably the biggest factor when comparison shopping for the most affordable car insurance for a learners permit. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The information below ranks coverage costs for a handful of the more affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $7,313 |
| Honda CR-V EX 2WD | $7,318 |
| Ford Escape Limited 2WD | $7,383 |
| Jeep Wrangler Sport 4WD 2-Dr | $7,710 |
| Toyota Prius | $7,901 |
| Dodge Grand Caravan CV | $8,225 |
| Ford F-150 STX Super Cab 4WD | $8,295 |
| Ford Focus S 4-Dr Sedan | $8,605 |
| Toyota RAV4 Limited 4WD | $8,674 |
| Volkswagen Jetta S 4-Dr Sedan | $8,682 |
| Chevrolet Equinox LT 2WD | $8,674 |
| Ford Explorer Limited 4WD | $8,744 |
| Chevrolet Malibu LT | $8,752 |
| Compare Cheap Rates Go | |
Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify coverage rates substantially.
Based upon the rates shown, you can expect models like the Honda Accord, Honda CR-V, Ford Escape, Jeep Wrangler, and Toyota Prius will definitely be the most budget-friendly vehicles to insure for new drivers. The price of auto insurance will be more costly because there is more risk for a learners permit, but in general those particular vehicles will tend to have the cheapest car insurance rates available.
Comparing rates for budget insurance is easier said than done, and determining which companies quote the cheapest auto insurance rates for a learners permit will involve a bit more work.
Each auto insurer has a proprietary formula for determining prices, so let’s rank the auto insurance companies that tend to be cheaper in Wisconsin. Keep in mind that Wisconsin auto insurance rates are calculated based on many things that will increase or decrease the policy price. Getting older, having a claim, or getting a driving violation can trigger changes in premium that may make certain companies affordable when they were higher priced.
Best Cheap Insurance Rates in Wisconsin
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $586 |
| 2 | Partners Mutual | $614 |
| 3 | Erie | $717 |
| 4 | Rockford Mutual | $724 |
| 5 | Nationwide | $745 |
| 6 | Rural Mutual Insurance | $772 |
| 7 | Pekin Insurance | $775 |
| 8 | Integrity Mutual | $794 |
| 9 | Western National | $801 |
| 10 | Travelers | $804 |
| 11 | State Farm | $923 |
| 12 | West Bend Mutual | $926 |
| 13 | The Hartford | $940 |
| 14 | Auto Club Group | $948 |
| 15 | General Casualty | $964 |
| 16 | Auto-Owners | $1,126 |
| 17 | American Family | $1,159 |
| 18 | Progressive | $1,164 |
| 19 | Farmers | $1,176 |
| 20 | State Auto | $1,235 |
| Quote Your Rates Go | ||
USAA generally has some of the best car insurance rates in Milwaukee at around $586 annually. This is $575 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Nationwide also qualify as some of the most economical Milwaukee, WI auto insurance companies.
In the above example, if you currently buy coverage from Rockford Mutual and switched to USAA, you may see a yearly savings of roughly $138. Insureds with Nationwide might save as much as $159 a year, and Rural Mutual Insurance insureds might cut rates by $186 a year.
Understand that those premium estimates are averaged across all types of insureds and vehicles and are not factoring in a specific location for a learners permit. So the car insurance company that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.
The information below shows how choosing a deductible can affect insurance premiums when searching for cheap insurance for a learners permit. The data is based on a married female driver, comp and collision included, and no other discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $158 a year by increasing from a $100 deductible up to a $500 deductible, or save $238 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could reduce their rates up to $390 each year just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it will now be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How violations and accidents impact rates
The best way to snag cheap auto insurance premiums in Wisconsin for new drivers is to pay attention while driving and avoid traffic citations and accidents. The information below illustrates how violations and at-fault accidents can affect insurance premiums for each age group. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $899. Get written up for one speeding ticket and the average cost rises to $1,032, an increase of $133 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a learners permit goes up to an average of $2,252. That’s an increase of $1,353, or $113 per month, just for not being more responsible behind the wheel!
How to find low-cost auto insurance for a learners permit
Below you’ll find a few penny-pinching suggestions that can help Wisconsin drivers find cheaper auto insurance.
- Buy a car with high safety ratings
- Be a safe driver
- Pay cheaper rates with good credit scores
- Maintain a safe distance and avoid accidents
- Increase your policy deductibles
- Do not waste money insuring older vehicles for full coverage
- Ensure you have the best deal by shopping around regularly
The last tip is especially crucial, as was pointed out in the prior information. Prices change frequently, so don’t be hesitant to change to a new company if a better rate can be found. Brand loyalty is great, but is isn’t recommended if that faithfulness ends up costing you money that could be going to better use. In less than five minutes you could shop around and find cheaper car insurance for a learners permit in Milwaukee.