Who Has Cheap Milwaukee Auto Insurance Rates for Teenage Males?

The vehicle model that is being insured is one of the biggest factors when trying to find cheaper car insurance for teenage males. Vehicles with more horsepower, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer models. The information below shows car insurance rates for the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Milwaukee, WI
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $7,776
Honda Accord LX-P 4-Dr Sedan $7,785
Honda CR-V EX-L 4WD $7,850
Hyundai Elantra SE Touring Station Wagon $8,328
Toyota Prius $8,403
Ford F-150 XLT Super Cab 4WD $8,818
Volkswagen Jetta 2.0T Station Wagon $8,878
Honda Odyssey EX $9,146
Chevrolet Impala LS $9,155
GMC Sierra SLE Regular Cab 2WD $9,221
Nissan Altima 2.5 4-Dr Sedan $9,226
Chevrolet Malibu Hybrid $9,221
Toyota RAV4 Limited 4WD $9,226
Ford Explorer Eddie Bauer AWD $9,296
Dodge Grand Caravan SXT $9,302
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Above prices assume single male 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. Premium amounts do not factor in specific zip code location which can modify rates considerably.

Based upon these rates, you can see that makes and models like the Ford Escape, Honda Accord, and Honda CR-V will be some of the cheapest vehicles to insure for teen boys. The cost of a car insurance policy will be higher anyway because there is more exposure for teenage males, but overall those makes and models will probably have the lowest prices compared to all other vehicles.

For teen boys, one of the more important components that are used to help calculate car insurance rates is your address in Milwaukee. More densely populated places likely pay more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The table below rates the priciest cities in Wisconsin for teenage males to buy an auto insurance policy in. Milwaukee is ranked at #1 with the annual price of $1,410 on average, which is around $118 each month.

How much is auto insurance in Milwaukee, WI?
Rank City Annual Rate
1 Milwaukee $1,410
2 Wauwatosa $1,305
3 West Allis $1,234
4 Racine $1,193
5 Kenosha $1,182
6 Greenfield $1,168
7 Oak Creek $1,166
8 Beloit $1,164
9 Franklin $1,151
10 Eau Claire $1,081
11 Brookfield $1,067
12 Waukesha $1,065
13 Madison $1,062
14 Menomonee Falls $1,057
15 New Berlin $1,049
16 Wausau $1,037
17 La Crosse $1,033
18 Janesville $1,022
19 Oshkosh $989
20 West Bend $987
21 Fond du Lac $985
22 Appleton $964
23 Manitowoc $957
24 Sheboygan $935
25 Green Bay $931
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Rate quotes are comparative as the specific zip code location can revise insurance rates greatly.

How to get discounts on Milwaukee insurance rates

Discounts on auto insurance for teenage malesCar insurance companies that offer quotes for teenage males may provide discounts that could potentially reduce rates by 30% or more if you meet certain criteria. Larger auto insurance companies and a partial list of their discounts are:

The example below visualizes the comparison of car insurance rates with and without policy discounts. The rates are based on a male driver, no claims or driving violations, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with good student, continuous coverage, passive restraint, vehicle safety, paid-in-full, and paperless filing discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for teenage males is 28% or $483.

Cost of full coverage in Milwaukee

Reducing premiums for auto insurance is the goal of the majority of people, and one of the fastest ways to buy cheaper insurance for teenage males is to not pay for full coverage. The chart below compares car insurance costs with and without full coverage. Data assumes no violations or claims, $500 deductibles, marital status is single, and no additional discounts are factored in.

As an average for all age groups, physical damage insurance costs $1,476 per year more than carrying just liability coverage. That is a significant amount which raises the question if it’s a good idea to buy full coverage. There is no set guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s settlement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $9,500 after the deductible is paid. If it’s costing in excess of $950 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

How to find more affordable insurance for teenage males

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help drivers quote cheap auto insurance.

That last idea is especially significant, as we stressed in this write-up. Car insurance rates in Milwaukee can change considerably based on profitability, so you should be ready to change insurance companies if you find a better deal.

Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare rates and find cheaper car insurance for teenage males.