One of the more important factors that are used to help calculate the annual cost of car insurance is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The following table lists the most expensive areas in Wisconsin for immigrants in which to purchase auto insurance. Milwaukee ranks #1 with a yearly cost of $1,410 for car insurance, which is around $118 monthly.
|Rank||City||Premium Per Year|
|20||Fond du Lac||$965|
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Information shown are estimated as specific Milwaukee garaging address can modify premiums greatly.
The vehicle model that is being insured is probably the most important factor that determines the availability of the best insurance for immigrants. Vehicles with higher performance, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The next table illustrates car insurance prices for the most economical vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Explorer XLT 4WD||$2,024|
|Toyota Tacoma 2WD||$2,091|
|Jeep Wrangler Sport 4WD 2-Dr||$2,146|
|Ford Escape Limited 4WD||$2,241|
|Volkswagen Jetta S 2.5 Station Wagon||$2,247|
|Chevrolet Impala LTZ||$2,247|
|Honda CR-V EX-L 2WD||$2,265|
|Chevrolet Equinox LTZ 2WD||$2,286|
|Ford Edge SEL AWD||$2,402|
|Chevrolet Malibu Hybrid||$2,448|
|Toyota Camry LE||$2,457|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$2,479|
|Dodge Grand Caravan SXT||$2,494|
|Ford Focus S 4-Dr Sedan||$2,567|
|Honda Civic DX 4-Dr Sedan||$2,577|
|Hyundai Elantra GLS 4-Dr Sedan||$2,576|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific zip code location which can influence auto insurance rates substantially.
Based on these rates, you can figure that makes and models like the Ford Explorer, Toyota Tacoma, Jeep Wrangler, Ford Escape, and Volkswagen Jetta are some of the most budget-friendly vehicles to insure for foreigners.
Discount Milwaukee insurance
Auto insurance companies that provide policies for immigrants may also give you policy discounts that can lower rates by 40% or more if you are eligible to receive them. A list of companies and a partial list of their discounts are detailed below.
- State Farm may have discounts that include multiple policy, anti-theft, Drive Safe & Save, good student, driver's education, Steer Clear safe driver discount, and multiple autos.
- Liberty Mutual may offer discounts for teen driver discount, preferred payment discount, exclusive group savings, newly married, multi-policy, and safety features.
- American Family has discounts for multi-vehicle, bundled insurance, defensive driver, TimeAway discount, and early bird.
- Progressive has savings for online quote discount, homeowner, continuous coverage, good student, and multi-vehicle.
- Farmers Insurance offers discounts for mature driver, teen driver, multi-car, early shopping, homeowner, youthful driver, and pay in full.
- Auto-Owners Insurance policyholders can earn discounts including student away at school, teen driver, good student, mature driver, anti-theft, and multi-policy.
- SAFECO discounts include homeowner, drive less, accident prevention training, anti-lock brakes, and teen safety rewards.
The illustration below shows the difference between auto insurance costs with and without discounts applied to the rates. The data is based on a male driver, no violations or accidents, Wisconsin state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, anti-theft, accident-free, claim-free, homeowner, and safe-driver discounts applied. With discounts applied, theaverage yearly reduction on car insurance for immigrants is 28% or $269.
Ending up with the highest-rated car insurance provider is difficult considering how many companies are available to choose from in Milwaukee. The ranking data shown below may help you choose which insurers to look at when buying insurance for immigrants.
The ratings below include large, nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for the list. To check prices and find the cheapest rates for immigrants, follow this link.
Top 10 Large Car Insurance Companies in Milwaukee Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- Erie Insurance
- The Hartford
Comparing rates can save you money
Milwaukee, WI car insurance rates are determined by lots of factors that control the policy price. Simply having a birthday, buying another vehicle, or getting a driving violation may generate price changes that may make certain companies cheaper than others. Not only that, but insurers file new rates as often as every three months in order to offset underwriting gains or losses. A period of increased losses may result in increased rates, while profitable underwriting can result in lower-cost Milwaukee car insurance rates.
As an example, the graph below compares the cheapest car insurance in Milwaukee, WI for a 30-year-old female driver with a clear driving record, no claims, and excellent credit. Based on her personal risk profile, USAA quotes the best car insurance rates in Milwaukee at $911 each year. This is $250 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual round out the rest of the cheapest Milwaukee, WI auto insurance companies.
In this example, we will give the driver from above a chargeable accident, a lower credit score, and a few traffic violations. Since each auto insurer has a proprietary formula to set policy rates, comparing prices may now present a slightly different list of the cheapest companies as shown below.
Nationwide now has the best price in Milwaukee, WI with Western National, Integrity Mutual, Travelers, and Partners Mutual also being competitive. This example proves why it is crucial to do a thorough rate comparison when trying to find the cheapest auto insurance quotes for immigrants.
Insurance prices can be altered by many things and can increase or decrease at any time, so the best price the last time you checked may now be one of the more expensive options.
The agents listed below are willing to help you determine which policy fits your needs best, since some people prefer to have a consultation when comparing insurance rates for foreigners. It can be complicated to find the best coverage yourself, and using a licensed agent can bring satisfaction knowing your coverage gives you adequate protection in the event of a claim. To locate a Milwaukee car insurance agency by location nearest to you, click the button link following the list or click here to compare price quotes.
See Insurance Agency LLC
7817 W Brown Deer Rd - Milwaukee, WI 53223 - (414) 355-5433
Dale G Latus Insurance
5232 W Oklahoma Ave # 215 - Milwaukee, WI 53219 - (414) 352-1118
American Family Insurance - Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd - Milwaukee, WI 53223 - (414) 355-5533