The words “low-cost” and “auto insurance” probably shouldn’t be used in the same sentence, especially when trying to find the best car insurance rates for single moms. To save some money, let’s take a look at some of the things the can have a considerable influence on car insurance rates, and find a way to take the bite out of the next policy you buy.
Finding reliable, reasonably-priced insurance is difficult, and figuring out which company quotes the most affordable insurance rates for single moms calls for even more diligence. Each company has their own unique process to set premium rates, so let’s take a look at the most affordable insurance companies in Milwaukee, WI.
We do need to point out that Wisconsin insurance rates are calculated based on many things that can increase the cost of coverage. Improving your financial situation, getting divorced, or getting a couple of tickets can trigger rate changes that can cause some rates to be affordable when they were higher priced.
Cheapest Insurance Rates for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $604 |
| 2 | Partners Mutual | $626 |
| 3 | Erie | $696 |
| 4 | Rockford Mutual | $724 |
| 5 | Nationwide | $745 |
| 6 | Western National | $769 |
| 7 | Pekin Insurance | $775 |
| 8 | Rural Mutual Insurance | $779 |
| 9 | Integrity Mutual | $786 |
| 10 | Travelers | $796 |
| 11 | State Farm | $905 |
| 12 | West Bend Mutual | $917 |
| 13 | The Hartford | $940 |
| 14 | General Casualty | $954 |
| 15 | Auto Club Group | $977 |
| 16 | Progressive | $1,118 |
| 17 | American Family | $1,125 |
| 18 | Auto-Owners | $1,126 |
| 19 | Farmers | $1,165 |
| 20 | GEICO | $1,190 |
| Find Your Rate Go | ||
USAA generally has some of the lowest car insurance rates in Milwaukee at around $604 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide also are some of the more affordable Milwaukee, WI car insurance companies.
In the rate table above, if you currently have coverage with Partners Mutual and switched to USAA, you might achieve a yearly savings of about $22. Drivers with Erie could save as much as $92 a year, and Rockford Mutual insureds might lower prices by $120 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or click several companies below for low rates.
These prices are averages for all drivers and vehicles in Wisconsin and do not take into consideration an exact vehicle garaging location for single moms. So the auto insurance company that can offer you the lowest price may not even be in the top 30 companies shown above. That is why you need to get car insurance quotes using your own specific driver and vehicle information.
The type of vehicle that needs insurance is one of the largest factors when trying to find the most economical insurance for single moms. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The information below illustrates insurance rates for a selection of the more affordable vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,764 |
| Honda Accord EX 4-Dr Sedan | $1,865 |
| Toyota Tacoma 2WD | $1,888 |
| Jeep Grand Cherokee Laredo 2WD | $1,923 |
| Toyota RAV4 Limited 4WD | $1,929 |
| Chevrolet Equinox LS AWD | $1,923 |
| Dodge Grand Caravan Hero | $1,932 |
| Toyota Corolla XLE | $2,024 |
| Honda CR-V EX-L 2WD | $2,042 |
| Honda Odyssey LX | $2,053 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,065 |
| Nissan Rogue SL 2WD | $2,075 |
| Ford F-350 XLT Crew Cab Harley Edition 2WD | $2,137 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,178 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,204 |
| Toyota Camry Hybrid | $2,209 |
| Toyota Prius | $2,219 |
| Start Your Quote Go | |
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Milwaukee, WI which can increase or decrease premiums greatly.
Based upon these rates, you can expect models like the Ford Escape, Honda Accord, Toyota Tacoma, Jeep Grand Cherokee, and Toyota RAV4 are likely to be a few of the less-costly vehicles to insure for single parents.
How violations and accidents impact rates
In a perfect world, the ideal way to find the best insurance prices in Wisconsin for single parents is to drive safely and not have accidents or get tickets. The diagram below demonstrates how speeding tickets and accidents impact insurance prices for each age group. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Wisconsin per year with a clean driving record and no accidents is $974. Factor in one speeding ticket and the average cost jumps to $1,099, an increase of $125 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for single moms jumps again to an average of $2,265. That’s an increase of $1,290, or $108 per month, just for not being a responsible driver!
Best insurance company in Milwaukee
Finding the highest-rated car insurance provider is difficult considering how many companies provide coverage in Wisconsin. The ranking information in the lists below may help you decide which auto insurers you want to consider purchasing from. The rankings below are only comprised of companies that insure vehicles across America, so companies that only write business in Wisconsin or surrounding areas are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies in Milwaukee Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Large Auto Insurance Companies Overall in Milwaukee
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Get discount Milwaukee car insurance
Insurance companies that provide coverage for single moms may additionally offer price discounts that could reduce prices by as much as 35% if you qualify for them. The best insurance companies and the discounts they provide include:
- Progressive may include discounts for online signing, multi-policy, good student, online quote discount, multi-vehicle, continuous coverage, and homeowner.
- SAFECO offers discounts including teen safety rewards, anti-theft, drive less, anti-lock brakes, accident prevention training, bundle discounts, and multi-car.
- American Family offers premium reductions for accident-free, defensive driver, good student, mySafetyValet, multi-vehicle, good driver, and bundled insurance.
- MetLife may offer discounts for good driver, defensive driver, accident-free, multi-policy, claim-free, good student
- GEICO offers discounts for anti-theft, multi-policy, membership and employees, anti-lock brakes, air bags, emergency military deployment, and defensive driver.
- The Hartford has discounts for bundle, anti-theft, vehicle fuel type, driver training, and air bag.
The information below illustrates the difference between premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or violations, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, anti-theft, vehicle safety, multiple policy, marriage, and homeowner discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for single moms is 27% or $334.
How to find economical car insurance for single moms
Lowering your rates is not difficult, and here are some thrifty solutions that can help Milwaukee drivers buy low-cost auto insurance.
- Increase your credit rating
- Higher deductibles save money
- Buy vehicles with five-star safety ratings
- Do not insure for full coverage
- At-fault accidents can raise rates significantly
- Do not get tickets or violations
- Check for cheaper rates once a year
The last idea is extremely vital, as we stressed in this article. Car insurance prices fluctuate considerably, so you should be ready to change insurance companies if a lower-cost policy is available.
Being loyal to a particular company is commendable, but we do not recommend it if it’s costing you lots of hard earned cash every month. Now is a great time to compare prices and find cheaper car insurance for single moms in Milwaukee.
If you like to have a professional recommendation when shopping for cheaper insurance for single parents, the agents listed below can probably help you determine which coverage meets your needs best.
To locate a Milwaukee insurance agent nearest to you, click the button after the list or click here to compare price quotes now.
- American Family Insurance – Baiio Marchan
3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192 - American Family Insurance – Michael L. Voss
332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 - Unisource Insurance Associates, LLC
10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 - Allstate Insurance: Mark Stanley
3525 S 68th St – Milwaukee, WI 53220 – (414) 321-3700 - American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701