For drivers on welfare, one of the largest considerations that are looked at to help calculate insurance cost is where your car is garaged. More densely populated places tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The following table rates the most expensive cities in Wisconsin for welfare recipients in which to purchase auto insurance. Milwaukee is listed at #1 with the yearly price of $1,396 on average, which is approximately $116 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Milwaukee | $1,396 |
| 2 | Wauwatosa | $1,345 |
| 3 | Kenosha | $1,230 |
| 4 | Racine | $1,217 |
| 5 | West Allis | $1,198 |
| 6 | Oak Creek | $1,190 |
| 7 | Greenfield | $1,168 |
| 8 | Beloit | $1,164 |
| 9 | Franklin | $1,117 |
| 10 | Eau Claire | $1,081 |
| 11 | Menomonee Falls | $1,068 |
| 12 | Brookfield | $1,067 |
| 13 | Janesville | $1,053 |
| 14 | Wausau | $1,047 |
| 15 | Waukesha | $1,034 |
| 16 | Madison | $1,030 |
| 17 | New Berlin | $1,029 |
| 18 | La Crosse | $1,022 |
| 19 | Fond du Lac | $995 |
| 20 | Oshkosh | $989 |
| 21 | West Bend | $987 |
| 22 | Green Bay | $969 |
| 23 | Manitowoc | $967 |
| 24 | Sheboygan | $953 |
| 25 | Appleton | $926 |
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Annual rates are estimated as the vehicle garaging location can modify auto insurance rates noticeably.
The type of vehicle you are trying to insure is probably the most important factor when shopping around for low-cost car insurance for welfare recipients. Vehicles with high performance engines, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The list below presents auto insurance costs for some of the cheaper automobiles to insure in Wisconsin.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,811 |
| Toyota Prius | $1,931 |
| Toyota Tacoma 4WD | $1,958 |
| Ford Explorer Eddie Bauer 2WD | $1,964 |
| Ford Focus SE 4-Dr Sedan | $2,027 |
| Volkswagen Jetta 2.0T Station Wagon | $2,039 |
| Chevrolet Impala LT | $2,066 |
| Ford F-150 Lariat Crew Cab 4WD | $2,105 |
| Ford Escape XLS 2WD | $2,141 |
| Honda CR-V LX 2WD | $2,146 |
| Toyota Corolla S | $2,174 |
| Chevrolet Silverado LT Crew Cab 4WD | $2,213 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,220 |
| Nissan Rogue SL 2WD | $2,216 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,363 |
| Chevrolet Equinox LS AWD | $2,369 |
| GMC Sierra SLE Crew Cab 2WD | $2,378 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in garaging location in Milwaukee, WI which can decrease or increase premium rates significantly.
By looking at the data, models like the Jeep Wrangler, Toyota Prius, and Toyota Tacoma are going to be some of the less-costly vehicles to insure for drivers on welfare.
Types of discounts on Milwaukee car insurance
Car insurance companies that offer quotes for welfare recipients may also provide discounts that could reduce prices by 40% or more if you meet specific eligibility requirements. Popular insurance companies and their possible discounts are included below.
- GEICO has discounts for anti-lock brakes, federal employee, five-year accident-free, military active duty, multi-policy, and driver training.
- Travelers may include discounts for student away at school, multi-car, payment discounts, early quote, continuous insurance, and save driver.
- Farm Bureau has savings for good student, youthful driver, safe driver, driver training, 55 and retired, multi-vehicle, and multi-policy.
- Liberty Mutual may have discounts that include multi-policy, newly retired, new move discount, new graduate, hybrid vehicle, multi-car, and preferred payment discount.
- American Family policyholders can earn discounts including defensive driver, Steer into Savings, accident-free, air bags, good student, early bird, and TimeAway discount.
- Progressive includes discounts for continuous coverage, online quote discount, homeowner, multi-policy, good student, and online signing.
The chart below illustrates the difference between insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no claims, Wisconsin state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, safe-driver, accident-free, anti-theft, and defensive driving course discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for welfare recipients is 28% or $464.
Responsible drivers pay cheaper Milwaukee insurance rates
The recommended way to maintain the cheapest insurance premiums for drivers on welfare is to be a good driver and avoid accidents and keep your driving record clean. The information below demonstrates how citations and at-fault collisions influence annual premium costs for different age groups. The rates are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of an auto insurance policy per year with no accidents or violations is $1,157. Receive one speeding ticket and the average cost hikes up to $1,309, an increase of $152 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for welfare recipients goes up to an average of $2,628. That’s an increase of $1,471, or $123 per month, just for not driving responsibly!
The importance of shopping around
Wisconsin insurance rates are calculated based on many things which can substantially change the price you pay. Getting older, having a teen driver, or getting a ticket for running a stop sign can trigger price changes that can now make some companies more affordable than the competition. Not only may your risk profile change, but car insurance companies change the rates they charge in Wisconsin at least once a year to ensure their profitability. An unexpected high level of claims can cause additional price hikes, while long-term profits can produce lower-priced Milwaukee car insurance rates.
The chart below compares the cheapest car insurance in Milwaukee, WI for a 40-year-old male driver with no accidents or violations, and a decent credit rating. Based on his current risk profile, USAA might quote the cheapest car insurance rates in Milwaukee at $897 per year. This is $264 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Nationwide are also on the list of the cheapest Milwaukee, WI auto insurance companies.
The example below compares rates after we give the driver from the above example a chargeable claim, a lower credit rating, and a few blemishes on his driving record. Due to the fact that each insurance company uses their own formula to set policy rates, comparing insurance quotes may result in a different list of affordable companies as shown below.
Western National now has the cheapest price in Milwaukee, WI with Rural Mutual Insurance, Integrity Mutual, Travelers, and Partners Mutual completing the list. This example demonstrates why it is critical to compare lots of rates when trying to find the most affordable car insurance rates for welfare recipients. Rates consist of many risk factors and change frequently, so the best company two years ago may now be costing you a lot of money.