Who Has Affordable Milwaukee Auto Insurance Rates for Handicapped Drivers?

The type of vehicle you are insuring is one of the primary factors that determines whether or not you can buy economical coverage for handicapped drivers. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.

The data below shows coverage costs for a selection of the most cost-effective automobiles to insure in Wisconsin.

Cheapest Vehicles to Insure in Milwaukee, WI
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,724
Ford Escape XLT 2WD $1,733
Toyota Tacoma 4WD $1,936
Honda CR-V LX 4WD $1,978
Ford Focus S 4-Dr Sedan $2,005
Honda Civic VP 4-Dr Sedan $2,112
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,115
GMC Sierra SLE Crew Cab 2WD $2,189
Chevrolet Equinox LTZ 2WD $2,195
Ford F-150 XLT Crew Cab 2WD $2,219
Dodge Ram Quad Cab TRX4 Off Road 2WD $2,228
Ford Edge SEL 2WD $2,300
GMC Sierra 2500HD SLE Regular Cab 2WD $2,336
Kia Optima EX $2,343
Toyota Camry Hybrid $2,336
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific Milwaukee, WI garaging location which can change prices considerably.

Looking at the data, we can expect makes and models like the Hyundai Elantra, Ford Escape, Toyota Tacoma, Honda CR-V, and Ford Focus will definitely be some of the cheaper vehicles to insure for drivers with handicaps.

Deciphering which insurers offer the most affordable auto insurance rates for handicapped drivers may require a little more effort in order to find a policy that fits your budget.

Each company uses a slightly different approach for establishing rates, so we will examine the auto insurance companies with the overall cheapest rates in Milwaukee, WI. It’s important that readers know that Milwaukee auto insurance rates are determined by lots of factors that will increase or decrease the policy price. Simply improving your credit, buying a different vehicle, or having a fender bender can cause premium changes that may make certain companies more affordable than others.

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USAA generally has some of the lowest car insurance rates in Milwaukee at around $598 per year. This is $563 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance would also be considered some of the more affordable Milwaukee, WI auto insurance companies.

As shown above, if you are currently insured with Rockford Mutual and switched to USAA, you could see annual savings of roughly $126. Wisconsin drivers with Rural Mutual Insurance could save as much as $158 a year, and Pekin Insurance insureds might reduce rates by $177 a year.

Bear in mind that those policy prices are averaged across all types of insureds and vehicles and do not factor in a specific location for handicapped drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 30 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

How accidents and violations affect rates in Milwaukee

The recommended way to maintain affordable auto insurance rates in Wisconsin for drivers with handicaps is to be a good driver and maintain a clean driving record. The information below demonstrates how speeding tickets and at-fault fender-benders can affect insurance prices for each age group. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of car insurance in Wisconsin per year with no accidents or violations is $1,709. Receive two speeding tickets and the average cost surges to $2,302, an increase of $592 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for handicapped drivers jumps again to an average of $4,382. That’s an increase of $2,673, or $223 per month, just for being a little careless behind the wheel!

Finding a high-quality insurance provider can be difficult considering how many companies there are in Milwaukee. The company rank data listed below can help you decide which auto insurance companies you want to consider when shopping insurance around for handicapped drivers. These rankings are only comprised of companies with a national presence, so companies that focus mainly on Wisconsin business are not factored into these rankings.

Top 10 Large Auto Insurers Overall in Milwaukee

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Large Auto Insurers in Milwaukee Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Erie Insurance
  10. The Hartford

Why you should be shopping around

Milwaukee, WI auto insurance rates are influenced by many factors which can substantially change the price you pay. Simply having another birthday, getting divorced, or getting a couple of tickets can cause premium changes that may make certain companies affordable when they were higher priced. In addition to those changes, insurers amend pricing every year in order to maintain liquidity for claims. A period of higher than normal claims may result in higher rates, while profitable underwriting may result in lower-cost Milwaukee car insurance rates.

The data below shows the company with the cheapest car insurance in Milwaukee, WI for a 35-year-old male driver with no accidents or violations, and excellent credit. If we compare prices based on his current risk profile, USAA quotes the lowest car insurance rates in Milwaukee at $901 per year. This is $260 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual also make the list of the best Milwaukee, WI auto insurance companies.

Now we will pretend the driver from the first rate comparison some claims, bad credit, and a traffic ticket or two. Since each auto insurer has a different process for establishing rates, comparing prices will most likely result in a different list of companies as shown below.

Western National now has the best auto insurance rate in Milwaukee with Rural Mutual Insurance, Integrity Mutual, Travelers, and Partners Mutual now being in the top five. This shows why it is important to compare rates to find the most economical auto insurance rates for handicapped drivers.

Auto insurance prices are influenced by many different factors and change frequently, so the cheapest company when you bought your policy may now be one of the more expensive options.