Who Has Cheap Car Insurance Quotes for College Students in Milwaukee?

The vehicle that needs insurance is one of the primary factors in finding cheap insurance for college students. Vehicles with lower performance, a great safety record, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The list below showcases coverage premiums for a handful of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Milwaukee, WI
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,396
Ford Escape XLT 4WD $3,447
Honda CR-V EX-L 2WD $3,457
Toyota Prius $3,715
Ford Edge SE 2WD $3,760
Dodge Grand Caravan CV $3,811
Ford F-150 STX Super Cab 4WD $3,862
Honda Odyssey EX $3,977
Chevrolet Impala LS $3,983
Volkswagen Jetta S 4-Dr Sedan $4,028
Ford Fusion S 4-Dr Sedan $4,034
Toyota RAV4 Limited 4WD $4,028
Toyota Tacoma Double Cab 4WD $4,038
Ford Explorer Limited AWD $4,079
Chevrolet Malibu LT $4,088
Jeep Wrangler Unlimited Sport 2WD 4-Dr $4,147
Ford Focus SES 4-Dr Sedan $4,197
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Data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in garaging location in Milwaukee, WI which can change price quotes considerably.

By looking at the data, you can presume that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are the cheapest vehicles to insure for students in college. The price of auto insurance will tend to be higher just due to the fact that there is a higher risk for college students, but generally speaking those particular models will have the cheapest auto insurance rates available.

For students in college, one of the big considerations that are looked at to determine the amount you pay each year for auto insurance is your zip code. Cities with more crime and/or more people are more likely to have higher rates, whereas less populated areas profit from lower rates.

The table below lists the most costly cities in Wisconsin for college students to purchase auto insurance in. Milwaukee comes in at #1 costing $1,410 for car insurance, which is about $118 monthly.

How much does car insurance cost in Milwaukee, WI?
Rank City Average Per Year
1 Milwaukee $1,410
2 Wauwatosa $1,319
3 West Allis $1,234
4 Racine $1,229
5 Kenosha $1,194
6 Oak Creek $1,166
7 Beloit $1,164
8 Franklin $1,163
9 Greenfield $1,156
10 La Crosse $1,064
11 Eau Claire $1,049
12 Brookfield $1,045
13 Madison $1,040
14 Wausau $1,037
15 Waukesha $1,034
16 New Berlin $1,029
17 Menomonee Falls $1,026
18 Janesville $1,022
19 West Bend $1,017
20 Fond du Lac $995
21 Oshkosh $980
22 Green Bay $969
23 Manitowoc $957
24 Appleton $954
25 Sheboygan $953
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Rates are approximated as specific Milwaukee garaging address can decrease or increase premium rates substantially.

Rate increases following a ticket or accident

In a perfect world, the best way to find the cheapest insurance premiums in Milwaukee for students in college is to drive attentively and not have accidents or get tickets. The illustration below highlights how speeding tickets and accidents drive up annual premium costs for different age groups. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of an auto insurance policy in Milwaukee per year with no violations or accidents is $934. Add in one speeding ticket and the average cost jumps to $1,071, an increase of $137 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for college students jumps again to an average of $1,453. That’s an increase of $520, or $43 per month, just for a couple of infractions!

The illustration below demonstrates how deductible levels can increase or decrease annual premium costs when researching cheap insurance for college students. The premiums assume a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $214 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $322 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save $622 or more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is a good idea to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Get discount Milwaukee car insurance rates

Discounts on insurance for college studentsInsurers that offer cheap quotes for college students may also give you discounts that could reduce prices by as much as 30% if you meet specific eligibility requirements. Large insurance companies and some of their more popular discounts are:

The information below compares yearly insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, a clean driving record, no claims, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, vehicle safety, good student, passive restraint, paperless filing, and continuous coverage discounts applied. When drivers qualify for the discounts, theamount saved on insurance for college students is 18% or $324.