How Much are Car Insurance Quotes for 16 Year Olds in Milwaukee?

For new drivers, one of the largest things that aid in calculating the price you pay for insurance is where your residence is in Milwaukee. Larger areas are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The illustration below sorts the most expensive places in Wisconsin for 16 year olds in which to purchase auto insurance. Milwaukee makes the list at #1 with the annual price of $1,410 for coverage, which is approximately $118 each month.

How much does auto insurance cost in Milwaukee?
Rank City Annual Premium
1 Milwaukee $1,410
2 Wauwatosa $1,359
3 Racine $1,217
4 West Allis $1,210
5 Oak Creek $1,202
6 Kenosha $1,194
7 Franklin $1,163
8 Greenfield $1,156
9 Beloit $1,130
10 Eau Claire $1,081
11 Wausau $1,079
12 Madison $1,072
13 Menomonee Falls $1,068
14 Waukesha $1,065
15 La Crosse $1,064
16 Janesville $1,042
17 Brookfield $1,035
18 New Berlin $1,018
19 West Bend $987
20 Fond du Lac $985
21 Green Bay $969
22 Manitowoc $967
23 Oshkosh $960
24 Appleton $936
25 Sheboygan $925
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Price information shown is estimated as the vehicle garaging location can raise or lower auto insurance rates substantially.

Buying low-cost insurance is tough enough, and determining which companies offer the best car insurance rates for 16 year olds will involve even more perseverance. Each insurance company uses a little different formula for setting prices, so we need to take a look at the most competitive car insurance companies in Wisconsin.

Best Car Insurance Prices for Teens

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Rankings for the cheapest Wisconsin auto insurance companies
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $632
3 Erie $724
4 Rockford Mutual $746
5 Rural Mutual Insurance $749
6 Nationwide $752
7 Integrity Mutual $762
8 Pekin Insurance $768
9 Western National $793
10 Travelers $820
11 West Bend Mutual $890
12 The Hartford $912
13 State Farm $923
14 Auto Club Group $939
15 General Casualty $964
16 American Family $1,137
17 Progressive $1,152
18 Auto-Owners $1,160
19 Farmers $1,165
20 GEICO $1,202
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USAA may have some of the cheapest car insurance rates in Milwaukee at around $604 per year. This is $557 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also rank well as some of the best Milwaukee, WI auto insurance companies.

As the example above demonstrates, if you are a policyholder with Rural Mutual Insurance and switched to Partners Mutual, you might see an annual savings of upwards of $117. Policyholders with Nationwide may save as much as $120 a year, and Integrity Mutual insureds might reduce rates by $130 a year.

Understand that those premiums are averaged for all insureds and vehicles and are not factoring in a vehicle location for 16 year olds. So the company that fits your age and vehicle best may not even be in the top 30 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.

The make and model of vehicle driven is one of the biggest factors that determines the availability of the best cheap auto insurance for 16 year olds. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models.

The data below ranks coverage costs for some of the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Milwaukee, WI
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $6,533
Ford Escape XLT 2WD $6,542
Jeep Wrangler Sport 4WD 2-Dr $6,888
Hyundai Elantra SE Touring Station Wagon $6,987
Honda Accord EX-L 4-Dr Sedan $6,992
Toyota Prius $7,045
Honda Odyssey LX $7,286
Ford F-150 XLT Crew Cab 2WD $7,344
Dodge Grand Caravan SE $7,352
Ford Explorer XLT 2WD $7,344
Ford Edge SEL 2WD $7,682
Nissan Altima 2.5 4-Dr Sedan $7,740
Toyota RAV4 Limited 4WD $7,747
Honda Civic LX 4-Dr Sedan $8,080
Ford Focus SES 4-Dr Sedan $8,089
Chevrolet Impala LTZ $8,139
Toyota Tacoma X-Runner 2WD $8,144
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Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific Milwaukee, WI garaging location which can alter price quotes greatly.

Based upon the table data, we can infer that vehicles like the Honda CR-V, Ford Escape, Jeep Wrangler, Hyundai Elantra, and Honda Accord are most likely to be a few of the most budget-friendly vehicles to insure for new drivers. The price for car insurance will be more costly just due to the fact that there is more liability exposure for 16 year olds, but generally speaking those vehicles will most likely have the lowest prices compared to other types of vehicles.

Get discounts on Milwaukee auto insurance

Save on car insurance for new drivers in MilwaukeeInsurance companies that provide policies for 16 year olds may also give you premium discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. Large car insurance companies and some of their more popular discounts are detailed below.

The information below shows the difference between car insurance rates with and without discounts applied to the policy rates. The rates are based on a female driver, no tickets, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, good student, passive restraint, anti-theft, paid-in-full, and continuous coverage discounts applied. In this example, theaverage amount saved on car insurance for 16 year olds is 28% or $488.

Comparison of full coverage and liability-only policies

Paying a lower price for car insurance should be important to most drivers, and one of the quickest ways to buy cheap insurance for 16 year olds is to only buy liability coverage. The chart below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The costs are based on no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

If averaged out across all ages, physical damage insurance costs $974 per year over and above liability coverage. Lot’s of drivers question if buying full coverage is worth the expense. There is no specific rule to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some scenarios where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

How to find low-cost car insurance for 16 year olds

The list below shows some of the better thrifty suggestions that can help Wisconsin drivers get lower-cost car insurance.

The last item on the list is incredibly critical, as we pointed out in this piece. Prices charged by auto insurers vary greatly, so drivers shouldn’t hesitate to switch to a new company if you find a better deal. Having a favorite company is great, but it’s not recommended if that dedication is costing money that could be spent on other things. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for 16 year olds in Milwaukee.

The insurance agencies listed below can probably provide answers to your questions and help you determine which policy fits your needs best, since many consumers aren’t sure which coverage to buy and prefer to have some advice when trying to find lower insurance rates for new drivers. It can be difficult to find the best coverage yourself, and getting advice from a licensed agent can add satisfaction knowing you have sufficient protection if you have a claim.

To locate a Milwaukee auto insurance agent close to where you live, click the button link following the list or click here to compare price quotes now.

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