Life would sure be easier if we could tell you the single company that has the cheapest policy rates in Wisconsin. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects such as if you want the added protection of full coverage, your credit history, your age, and the safety features built into your vehicle, that all impact the cost of coverage. The information below covers the best ways to avoid high prices and also should give you a good start in finding the cheapest car insurance.
Determining which companies quote the best auto insurance rates for a school permit calls for a little more work in order to find the lowest price quote. Each insurer used slightly different criteria for determining rates in each state, so let’s take a look at the lowest cost auto insurance companies in Wisconsin.
Cheapest Insurance Rates for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $604 |
| 2 | Partners Mutual | $608 |
| 3 | Erie | $696 |
| 4 | Rockford Mutual | $724 |
| 5 | Nationwide | $745 |
| 6 | Integrity Mutual | $762 |
| 7 | Pekin Insurance | $768 |
| 8 | Rural Mutual Insurance | $779 |
| 9 | Western National | $793 |
| 10 | Travelers | $796 |
| 11 | West Bend Mutual | $899 |
| 12 | State Farm | $932 |
| 13 | The Hartford | $950 |
| 14 | General Casualty | $964 |
| 15 | Auto Club Group | $968 |
| 16 | Progressive | $1,118 |
| 17 | American Family | $1,125 |
| 18 | Farmers | $1,141 |
| 19 | Auto-Owners | $1,148 |
| 20 | GEICO | $1,226 |
| Get a Custom Quote Go | ||
USAA has some of the most affordable car insurance rates in Milwaukee at around $604 a year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also be considered some of the cheaper Milwaukee, WI insurance companies.
As shown above, if you currently buy coverage from Nationwide and switched to Partners Mutual, you may see annual savings of about $137. Customers with Integrity Mutual could save as much as $154 a year, and Pekin Insurance insureds might lower prices by $160 a year.
To find the cheapest rates for your vehicle, click here or quote rates from the companies below.
Bear in mind that those rates are averages across all types of insureds and vehicles and do not take into consideration a specific zip code for a school permit. So the insurer that can offer you the lowest price may not even be in the top 30 companies shown above. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.
For a learners permit, one of the big considerations that are looked at to help calculate the annual cost of car insurance is where you live. Areas with increased crime or more people will most likely pay more, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The table below shows the highest-priced areas in Wisconsin for a school permit in which to buy car insurance. Milwaukee shows up at #1 with the annual price of $1,410 for coverage, which is about $118 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Milwaukee | $1,410 |
| 2 | Wauwatosa | $1,359 |
| 3 | Kenosha | $1,218 |
| 4 | West Allis | $1,210 |
| 5 | Greenfield | $1,204 |
| 6 | Racine | $1,193 |
| 7 | Oak Creek | $1,154 |
| 8 | Franklin | $1,151 |
| 9 | Beloit | $1,118 |
| 10 | Brookfield | $1,077 |
| 11 | Menomonee Falls | $1,068 |
| 12 | Madison | $1,062 |
| 13 | Waukesha | $1,054 |
| 14 | Eau Claire | $1,049 |
| 15 | New Berlin | $1,049 |
| 16 | Wausau | $1,047 |
| 17 | La Crosse | $1,033 |
| 18 | Janesville | $1,011 |
| 19 | West Bend | $1,007 |
| 20 | Manitowoc | $987 |
| 21 | Fond du Lac | $985 |
| 22 | Oshkosh | $980 |
| 23 | Green Bay | $969 |
| 24 | Appleton | $936 |
| 25 | Sheboygan | $925 |
| Start a Quote Go | ||
Prices are comparative as the specific zip code location can impact prices noticeably.
Wisconsin auto insurance companies ranked
Ending up with the top insurer can be challenging considering how many choices drivers have in Wisconsin. The rank data shown next could help you choose which car insurance providers to look at when shopping car insurance rates for a school permit.
The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Wisconsin business are not included in these rankings. To compare price quotes from these and other competitive companies, click this link.
Top 10 Large Car Insurance Companies in Milwaukee Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- Erie Insurance
- The Hartford
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
Violations and accidents raise rates
In a perfect world, the ideal way to maintain cheap auto insurance prices for a learners permit is to drive safely and avoid accidents and keep your driving record clean. The information below demonstrates how traffic citations and accidents can increase car insurance rates for different age groups. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,157. Factor in two speeding tickets and the average cost swells to $1,548, an increase of $391 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a school permit goes up to an average of $1,939. That’s an increase of $782, or $65 per month, just for not driving attentively!
Rate difference between full and liability-only coverage
Finding cheaper auto insurance is the goal of the majority of drivers, and one of the fastest ways to find cheap insurance for a school permit is to not pay for full coverage. The example below illustrates the difference between insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage insurance costs an extra $1,296 per year over and above liability only. Many people question if full coverage is worth the money. There is no clear-cut formula of when to exclude full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
There are some cases where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
If you have coverage questions and would like to have some professional guidance when shopping around for cheaper insurance for a school permit, the agents below are willing to answer your questions and help you decide which auto insurance policy fits you best. To locate an agency nearest to you, click the link at the bottom or click here to compare rates now.
Bill Luepke Insurance Agency
1223 E Howard Ave – Milwaukee, WI 53207 – (414) 482-1040
Kirchen Insurance
2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750
Diana Kostal – State Farm Insurance Agent
1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680
View map of Milwaukee, WI insurance agents
How to find low-cost insurance for a school permit
The list below summarizes many thrifty suggestions that can help drivers get cheaper coverage.
- Improve your credit score
- Avoid getting tickets or violations
- Increase the comprehensive and collision deductibles on your policy
- Drive safe vehicles
- Full coverage may not be needed on older vehicles
- Do not get into accidents
- Comparison shop frequently
That final tip is extraordinarily necessary, as we pointed out in this write-up. Auto insurance prices in Milwaukee can change considerably in a year, so don’t hesitate to change insurance companies if a better rate can be found. Having brand loyalty is commendable, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. Take a couple minutes and shop around and find cheaper insurance for a school permit.