The car, truck, or SUV requiring coverage is one of the largest considerations that determines whether or not you find low-cost auto insurance for unemployed drivers. Vehicles with limited speed and performance, a great safety record, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The data below ranks auto insurance costs for a handful of the most affordable automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,757 |
| Honda Accord LX-P 4-Dr Sedan | $1,884 |
| Toyota Prius | $1,911 |
| Chevrolet Impala LT | $2,041 |
| GMC Sierra SLE Crew Cab 2WD | $2,047 |
| Ford Escape Limited 4WD | $2,053 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,082 |
| Dodge Grand Caravan Crew | $2,089 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,100 |
| Ford F-150 XL Crew Cab 2WD | $2,112 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,192 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,199 |
| Toyota Corolla XRS | $2,192 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in zip code location which can impact premium rates substantially.
Based on these rates, makes and models like the Honda CR-V, Honda Accord, Toyota Prius, Chevrolet Impala, and GMC Sierra will be the most budget-friendly vehicles to insure for the unemployed.
Finding decent, cost effective insurance is not most people’s favorite thing to do, and figuring out which insurers offer the lowest-priced auto insurance rates for unemployed drivers requires a little more work. Every insurance company uses different criteria for determining rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Wisconsin.
Cheapest Insurance Rates for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $586 |
| 2 | Partners Mutual | $608 |
| 3 | Erie | $724 |
| 4 | Rockford Mutual | $732 |
| 5 | Nationwide | $745 |
| 6 | Pekin Insurance | $745 |
| 7 | Rural Mutual Insurance | $779 |
| 8 | Integrity Mutual | $786 |
| 9 | Western National | $801 |
| 10 | Travelers | $804 |
| 11 | State Farm | $896 |
| 12 | West Bend Mutual | $899 |
| 13 | The Hartford | $922 |
| 14 | General Casualty | $936 |
| 15 | Auto Club Group | $948 |
| 16 | Progressive | $1,118 |
| 17 | American Family | $1,125 |
| 18 | Auto-Owners | $1,126 |
| 19 | Farmers | $1,165 |
| 20 | GEICO | $1,190 |
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USAA quotes some of the best car insurance rates in Milwaukee at around $586 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide are also some of the lowest-priced Milwaukee, WI auto insurance companies.
As the rates illustrate above, if you are currently insured with Rockford Mutual and switched to USAA, you may realize a yearly savings of approximately $146. Drivers with Nationwide might save as much as $159 a year, and Pekin Insurance policyholders might lower prices by up to $159 a year.
Be aware that those premium estimates are averages for all drivers and vehicles and do not factor in a vehicle location for unemployed drivers. So the insurer that can offer you the best price may not even be in the list above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.
One of the many considerations that are looked at to help calculate the price you pay for insurance is where you normally keep your vehicle. More populated areas will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.
The next table lists the most expensive cities in Wisconsin for unemployed drivers in which to buy car insurance. Milwaukee shows up at #1 with a yearly premium of $1,354 on average, which is about $113 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Milwaukee | $1,354 |
| 2 | Wauwatosa | $1,345 |
| 3 | West Allis | $1,234 |
| 4 | Greenfield | $1,204 |
| 5 | Oak Creek | $1,202 |
| 6 | Kenosha | $1,182 |
| 7 | Racine | $1,181 |
| 8 | Beloit | $1,164 |
| 9 | Franklin | $1,151 |
| 10 | Brookfield | $1,077 |
| 11 | Eau Claire | $1,059 |
| 12 | Waukesha | $1,054 |
| 13 | Janesville | $1,042 |
| 14 | Madison | $1,040 |
| 15 | Menomonee Falls | $1,037 |
| 16 | Wausau | $1,037 |
| 17 | La Crosse | $1,033 |
| 18 | New Berlin | $1,018 |
| 19 | West Bend | $1,017 |
| 20 | Manitowoc | $967 |
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Rate information is approximated as the vehicle garaging location can affect premiums substantially.
Impact of citations and accidents on insurance rates
In a perfect world, the ideal way to find the cheapest auto insurance rates for the unemployed is to be an attentive driver and avoid getting tickets or having accidents. The diagram below demonstrates how citations and fender-benders influence insurance costs for each age group. The rates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,022. Factor in two speeding tickets and the average cost swells to $1,405, an increase of $382 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for unemployed drivers increases to an average of $1,792. That’s an increase of $769, or $64 per month, just for being a little careless behind the wheel!
Discount Milwaukee auto insurance
Insurers that offer quotes for unemployed drivers may additionally offer discounts that can reduce rates by 30% or more if you meet specific eligibility requirements. The best auto insurance companies and their offered discounts are included below.
- Progressive discounts include multi-policy, homeowner, online signing, good student, and continuous coverage.
- The Hartford offers discounts for good student, driver training, defensive driver, air bag, anti-theft, bundle, and vehicle fuel type.
- Mercury Insurance policyholders can earn discounts including accident-free, good student, multi-policy, low natural disaster claims, and ease of repair.
- GEICO offers premium reductions for emergency military deployment, anti-theft, military active duty, five-year accident-free, defensive driver, federal employee, and driver training.
- AAA may have discounts that include multi-policy, multi-car, AAA membership discount, pay-in-full, and good student.
- State Farm has discounts for Steer Clear safe driver discount, multiple policy, multiple autos, defensive driving training, driver’s education, and passive restraint.
The chart below shows the difference between car insurance costs with and without discounts applied. The premiums are based on a male driver, no violations or claims, Wisconsin state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, safe-driver, accident-free, marriage, passive restraint, and anti-theft discounts applied. When discounts are applied, theaverage amount saved on auto insurance for unemployed drivers is 27% or $369.
Finding the highest-rated auto insurance company can be a challenge considering how many choices there are in Wisconsin. The company rank data in the lists below could help you select which auto insurers you want to consider when shopping your coverage around. These ratings are for large, nationwide insurance companies, so companies that only write business in Wisconsin or surrounding areas are not taken into consideration for these rankings.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Here’s why price comparisons are so important
Milwaukee auto insurance rates are impacted by many factors that may substantially change your annual premium. Simply improving your credit, having a claim, or getting a DUI can produce rate changes resulting in some rates now being more affordable than competitors.
Additionally, companies file new Wisconsin car insurance rates as often as every three months as an adjustment for underwriting gains or losses. Significantly higher claims may cause more expensive premiums, while profitable underwriting may produce more affordable Milwaukee car insurance rates.
The data below shows which companies have the cheapest car insurance in Milwaukee, WI for a 45-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we estimate rates based on her personal risk profile, USAA may offer the best car insurance rates in Milwaukee at $884 each year. This is $277 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 best Milwaukee, WI auto insurance companies.
Now we will give the driver from the above example a couple of claims, less-than-perfect credit, and a speeding citation. Since every insurance provider has a different formula to set policy rates, getting updated rate quotes could result in a different list of the cheapest companies as shown below.
Rural Mutual Insurance now has the best price on car insurance in Milwaukee, WI with Integrity Mutual, Western National, Travelers, and Partners Mutual also having competitive pricing. This demonstrates why it is crucial to compare rates when trying to find cheap auto insurance rates for unemployed drivers.
Rates are impacted by many factors and change substantially, so the most affordable company when you last compared rates may now be priced much higher than other options.
If you have coverage questions and would like to have the advice of a professional agent when comparing insurance rates for unemployed drivers, the insurance agencies below are willing to provide answers to your questions and help you determine which car insurance company is the best fit.
To locate a Milwaukee auto insurance agent by location nearest to you, click the button after the list.
- Wesley Insurance
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 - Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 - American Family Insurance – Baiio Marchan
3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192 - American Family Insurance – Sherry Watson
930 E Knapp St Ste 1 – Milwaukee, WI 53202 – (414) 277-7772