This would be a much shorter article if we could simply tell you the single best car insurance company that has the cheapest policy rates in Wisconsin. It’s just not that simple, as there are a whole slew of unknown elements like whether you are female or male, your financial responsibility, if you have ever had a gap in coverage, and the number of miles you drive in a year, that help determine the price you have to pay. We will attempt to cover the best ways to find cheap auto insurance and also should give you a solid foundation to find cheaper car insurance in Milwaukee.
For teachers and educators, one of the more important things that aid in calculating the amount you pay each year for auto insurance is where your residence is in Milwaukee. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas more rural areas benefit from lower coverage costs.
The table below rates the most expensive cities in Wisconsin for teachers to buy auto insurance in. Milwaukee shows up at #1 having an annual price of $1,368 for the average policy, which is approximately $114 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Milwaukee | $1,368 |
| 2 | Wauwatosa | $1,319 |
| 3 | Kenosha | $1,230 |
| 4 | West Allis | $1,210 |
| 5 | Oak Creek | $1,202 |
| 6 | Racine | $1,193 |
| 7 | Greenfield | $1,192 |
| 8 | Beloit | $1,130 |
| 9 | Franklin | $1,117 |
| 10 | Eau Claire | $1,059 |
| 11 | Waukesha | $1,054 |
| 12 | New Berlin | $1,049 |
| 13 | Wausau | $1,047 |
| 14 | Brookfield | $1,045 |
| 15 | Madison | $1,040 |
| 16 | Menomonee Falls | $1,037 |
| 17 | La Crosse | $1,022 |
| 18 | Janesville | $1,011 |
| 19 | Fond du Lac | $995 |
| 20 | Manitowoc | $987 |
| 21 | West Bend | $987 |
| 22 | Green Bay | $969 |
| 23 | Oshkosh | $960 |
| 24 | Sheboygan | $953 |
| 25 | Appleton | $926 |
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Information shown are estimated as specific Milwaukee garaging address can influence insurance rates considerably.
The vehicle model you are trying to insure is a large consideration in finding low-cost insurance for teachers. Vehicles with limited speed and performance, a plethora of safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The information below outlines coverage costs for a selection of the cheapest vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,810 |
| Honda CR-V LX 4WD | $1,815 |
| Ford F-150 STX Super Cab 2WD | $1,813 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,848 |
| Dodge Grand Caravan CV | $1,858 |
| Volkswagen Jetta 2.0T Station Wagon | $1,938 |
| Chevrolet Malibu LS | $1,952 |
| Honda Odyssey LX | $2,053 |
| Toyota Prius | $2,065 |
| Nissan Rogue S 2WD | $2,094 |
| Dodge Ram Quad Cab ST 4WD | $2,132 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $2,135 |
| Toyota RAV4 Sport 2WD | $2,140 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific zip code location which can revise premiums greatly.
Based on these rates, you can expect vehicles like the Ford Escape, Honda CR-V, and Ford F-150 are going to be some of the cheapest vehicles to insure for teachers and educators.
Best insurance in Milwaukee
Finding the highest-rated car insurance provider can be rather challenging considering how many companies are available to choose from in Wisconsin. The information displayed below can help you choose which coverage providers you want to consider when trying find the best insurance for teachers.
The rankings below only include major nationwide insurance companies, so smaller regional companies are not taken into consideration for this list. If you wish to compare rates and find cheaper insurance for teachers, click here.
Top 10 Large Car Insurance Companies in Milwaukee Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
Top 10 Large Car Insurance Companies Overall in Milwaukee
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The illustration below shows how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for teachers. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could save $182 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $276 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could potentially save $462 each year by using higher deductibles when buying full coverage. If you do raise deductibles, it’s a good idea to have plenty of money set aside to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find cheaper insurance for teachers
Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help drivers locate cheap coverage.
- Avoid getting tickets or violations
- Increase your comprehensive and collision deductibles
- Drive safe vehicles
- Drivers with good credit ratings often pay less
- Avoid accidents and claims
- Compare prices as often as possible
The last suggestion is particularly valuable, as we discussed in this piece. Car insurance prices change a lot, so don’t be tentative to switch to a new company if a lower-cost policy is available. Sticking with a specific company is fine, but it’s not recommended if that dedication is costing lots of hard earned cash every month. Now is a great time to compare rates and find cheaper car insurance for teachers in Milwaukee.