The car, truck, or SUV driven is one of the biggest factors when looking for affordable insurance for nurses. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The information below estimates car insurance prices for a handful of the most economical automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Odyssey LX | $1,881 |
| Dodge Grand Caravan CV | $1,920 |
| Ford Escape XLS 4WD | $1,958 |
| Toyota Camry XLE | $2,127 |
| Honda CR-V EX-L 4WD | $2,142 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,151 |
| Chevrolet Equinox LTZ 2WD | $2,166 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $2,176 |
| Nissan Rogue S AWD | $2,172 |
| Hyundai Elantra SE Touring Station Wagon | $2,276 |
| Ford Edge SE 2WD | $2,297 |
| Kia Optima SX | $2,314 |
| Honda Accord EX-L 2-Dr Coupe | $2,321 |
| Toyota Camry Hybrid | $2,314 |
| Toyota RAV4 Limited 4WD | $2,319 |
| Toyota Prius | $2,326 |
| Ford Explorer XLT 2WD | $2,347 |
| Toyota Tacoma 4WD | $2,352 |
| Dodge Ram Crew Cab Sport 2WD | $2,353 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,477 |
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Above prices assume 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, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in Milwaukee, WI location which can revise rates greatly.
Looking at the numbers, you can figure that models like the Honda Odyssey, Dodge Grand Caravan, Ford Escape, Toyota Camry, and Honda CR-V are going to be a few of the more affordable vehicles to insure for health professionals.
For health professionals, one of the more important considerations that are looked at to determine the amount you pay each year for auto insurance is your address in Milwaukee. Areas with increased crime or more people will most likely pay more, whereas areas with less crime or weather claims can boast about having cheaper rates.
The next table shows the highest-priced places in Wisconsin for nurses in which to buy car insurance. Milwaukee ranks #1 with an annual cost of $1,396 for the average policy, which is about $116 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Milwaukee | $1,396 |
| 2 | Wauwatosa | $1,359 |
| 3 | Kenosha | $1,230 |
| 4 | Racine | $1,229 |
| 5 | West Allis | $1,210 |
| 6 | Greenfield | $1,168 |
| 7 | Beloit | $1,164 |
| 8 | Oak Creek | $1,154 |
| 9 | Franklin | $1,129 |
| 10 | Eau Claire | $1,091 |
| 11 | Wausau | $1,079 |
| 12 | Brookfield | $1,067 |
| 13 | Menomonee Falls | $1,057 |
| 14 | Janesville | $1,053 |
| 15 | Waukesha | $1,034 |
| 16 | Madison | $1,030 |
| 17 | La Crosse | $1,022 |
| 18 | New Berlin | $1,018 |
| 19 | West Bend | $1,007 |
| 20 | Manitowoc | $997 |
| 21 | Fond du Lac | $985 |
| 22 | Oshkosh | $980 |
| 23 | Green Bay | $969 |
| 24 | Appleton | $964 |
| 25 | Sheboygan | $953 |
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Annual rates are approximated as vehicle location can decrease or increase insurance rates significantly.
Figuring out which company offers the lowest-priced insurance rates for nurses may require a little more sweat than just comparing rates from one or two companies. Every car insurance company uses a different method for setting rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Milwaukee.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $598 |
| 2 | Partners Mutual | $626 |
| 3 | Erie | $703 |
| 4 | Rockford Mutual | $732 |
| 5 | Rural Mutual Insurance | $749 |
| 6 | Pekin Insurance | $752 |
| 7 | Nationwide | $752 |
| 8 | Western National | $769 |
| 9 | Integrity Mutual | $786 |
| 10 | Travelers | $828 |
| 11 | West Bend Mutual | $926 |
| 12 | State Farm | $932 |
| 13 | The Hartford | $950 |
| 14 | General Casualty | $964 |
| 15 | Auto Club Group | $968 |
| 16 | Auto-Owners | $1,126 |
| 17 | Progressive | $1,164 |
| 18 | American Family | $1,171 |
| 19 | Farmers | $1,176 |
| 20 | GEICO | $1,190 |
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USAA generally has some of the cheapest car insurance rates in Milwaukee at around $598 annually. 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 also rank well as some of the best Milwaukee, WI car insurance companies.
As shown above, if you have coverage with Erie and switched to USAA, you could see an annual premium reduction of approximately $105. Insureds with Rockford Mutual may save as much as $134 a year, and Rural Mutual Insurance insureds might see rate reductions of $151 a year.
To discover how much you can save, click here to start your free quote or feel free to get quotes from the companies below.
Bear in mind that those premiums are averages across all types of insureds and vehicles and and are not figured with a vehicle location for nurses. So the insurer that is best suited for you may not even be in the top 30 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own individual information.
Picking a high-quality insurance company can be rather challenging considering how many choices there are in Wisconsin. The ranking data shown next could help you select which insurers you want to consider when trying to find the cheapest insurance for nurses.
These ratings include major nationwide insurance companies, so smaller regional companies are not taken into consideration for these rankings. To check rates from the insurers below and more, follow this link.
Top 10 Major Auto Insurers in Milwaukee Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
Top 10 Major Auto Insurers in Milwaukee Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- Erie Insurance
- The Hartford
Types of discounts on Milwaukee car insurance
Insurers that offer coverage for nurses may also provide price discounts that may potentially lower prices by as much as 35% if you are eligible. A list of insurance companies and a partial list of their discounts include:
- State Farm offers discounts for good driver, Drive Safe & Save, driver’s education, safe vehicle, good student, anti-theft, and multiple policy.
- Nationwide has discounts for accident-free, defensive driving, easy pay, family plan, anti-theft, and multi-policy.
- GEICO offers discounts including multi-vehicle, emergency military deployment, defensive driver, anti-theft, and membership and employees.
- AAA includes discounts for good driver, good student, multi-car, pay-in-full, education and occupation, and multi-policy.
- 21st Century policyholders can earn discounts including good student, defensive driver, 55 and older, theft prevention, teen driver, homeowners, and early bird.
- The Hartford may include discounts for defensive driver, vehicle fuel type, bundle, good student, and anti-theft.
The chart below compares premium costs with and without discounts being applied to the rates. The data assumes a female driver, no violations or claims, Wisconsin state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, safe-driver, accident-free, multiple policy, passive restraint, and multiple vehicle discounts applied. When discounts are applied, theamount saved on insurance for nurses is 28% or $383.
Shop around and save
Milwaukee insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Getting older, moving to a different location, or getting a speeding ticket may generate price changes that may make certain companies cheaper than others. Not only may things change on your end, but companies change the rates they charge in Wisconsin as needed to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity may cause more expensive prices, while better underwriting may produce cheaper Milwaukee car insurance rates.
For example, the bar chart below analyzes the cheapest car insurance in Milwaukee, WI for a 30-year-old male driver with a clear driving record, no claims, and good credit. If we estimate rates based on his current rating profile, USAA has the cheapest car insurance rates in Milwaukee at $896 a year. This is $265 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are the remaining best Milwaukee, WI auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates some claims, poor credit, and a traffic citation. Because every insurance company has a different process to set their prices, comparing insurance quotes may now show a different ranking of the cheapest car insurance companies in Milwaukee as shown below.
Integrity Mutual now has the best price on car insurance in Milwaukee with Nationwide, Western National, Travelers, and West Bend Mutual also being competitive. This example proves why it is important to compare rates when trying to get cheap car insurance quotes for nurses.
Auto insurance prices can be altered by many factors and can increase or decrease at any time, so the best company the last time you shopped around may now be quite expensive.