One of the more important components that are looked at to determine the amount you pay each year for auto insurance is where you choose to live in Milwaukee. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The following table shows the highest-priced places in Wisconsin for police officers to purchase car insurance in. Milwaukee comes in at #1 costing $1,410 for the average insured, which is around $118 each month.
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Price information shown is comparative as zip code location can lower or raise auto insurance rates greatly.
The type of vehicle requiring insurance is probably the largest consideration when comparison shopping for the best auto insurance for police officers. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The next list presents insurance rates for a selection of the cheapest vehicles to insure in Wisconsin.
|Vehicle||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,821|
|Ford Explorer XLT 2WD||$1,859|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,938|
|Honda CR-V EX 4WD||$1,944|
|Chevrolet Equinox LT AWD||$1,961|
|Dodge Grand Caravan Hero||$1,971|
|Chevrolet Malibu LT||$1,999|
|Ford Escape Limited 4WD||$2,061|
|Toyota Camry SE||$2,064|
|Toyota Corolla LE||$2,070|
|GMC Sierra SLT Extended Cab 2WD||$2,102|
|Honda Accord EX 2-Dr Coupe||$2,204|
|Nissan Rogue SL AWD||$2,213|
|Ford Focus S 4-Dr Sedan||$2,210|
|Chevrolet Silverado LT Crew Cab 2WD||$2,242|
|Hyundai Sonata Limited 4-Dr Sedan||$2,250|
|Toyota RAV4 Limited 4WD||$2,251|
|Toyota Tacoma Double Cab 4WD||$2,261|
|Ford F-350 Super Cab Cabela Turbo Diesel 2WD||$2,280|
|Honda Civic LX 4-Dr Sedan||$2,327|
|Hyundai Elantra SE 4-Dr Sedan||$2,368|
|Dodge Ram Quad Cab Laramie 4WD||$2,382|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in specific location which can lower or raise premiums greatly.
Looking at the rates, you can infer that vehicles like the Jeep Wrangler, Ford Explorer, and Volkswagen Jetta are most likely to be some of the cheapest vehicles to insure for law enforcement personnel.
Do you need full coverage?
Reducing premiums for auto insurance should be important to most vehicle owners, and an effective way to find cheap insurance for police officers is to only pay for liability coverage. The chart below compares insurance prices with full coverage and liability only. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, full coverage costs $1,296 per year more than just buying liability only. That raises the question if buying full coverage is worth the expense. There is no clear-cut formula for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,000 after paying your deductible. If you are paying over $1,000 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
Driving violations and accidents
The common sense way to find low auto insurance rates in Wisconsin for law enforcement personnel is to drive carefully and avoid getting tickets or having accidents. The information below demonstrates how citations and accident claims can increase premium costs for different age groups. The data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of auto insurance in Milwaukee per year with no violations or accidents is $1,237. Factor in two speeding tickets and the average cost hikes up to $1,647, an increase of $410 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for police officers jumps again to an average of $2,067. That’s an increase of $830, or $69 per month, just for being a little careless behind the wheel!
Discounts on Milwaukee car insurance rates
Car insurance companies that offer coverage for police officers could also offer policy discounts that may potentially lower prices by 40% or more if you are eligible for them. A few popular companies and some of the discounts are included below.
- State Farm has discounts for defensive driving training, accident-free, driver’s education, good driver, and multiple policy.
- GEICO may offer discounts for multi-vehicle, five-year accident-free, daytime running lights, defensive driver, and good student.
- SAFECO may include discounts for teen safe driver, bundle discounts, teen safety rewards, drive less, safe driver, anti-lock brakes, and accident prevention training.
- Farmers Insurance offers premium reductions for youthful driver, mature driver, switch companies, pay in full, distant student, bundle discounts, and alternative fuel.
- AAA policyholders can earn discounts including anti-theft, multi-policy, education and occupation, AAA membership discount, good student, multi-car, and good driver.
- USAA may have discounts that include driver training, family discount, loyalty savings, annual mileage, defensive driver, new vehicle, and multi-policy.
The chart below compares auto insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Wisconsin state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, defensive driving course, claim-free, safe-driver, multiple vehicle, and homeowner discounts applied. When discounts are applied, theamount saved on auto insurance for police officers is 27% or $286.
Here’s why you should shop around
Milwaukee, WI auto insurance rates are impacted by many factors that can increase the price of coverage. Simply getting older, filing a claim, or having an at-fault accident can cause premium changes that can now make some companies more affordable than before. And not only may your rating factors change, but companies change rates multiple times each year to ensure their profitability. Larger than normal claims may cause more expensive premiums, while less frequent claims may cause cheaper Milwaukee car insurance rates.
As an example, the bar chart below shows the companies that have the cheapest car insurance in Milwaukee, WI for a 40-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on her personal risk profile, USAA quotes the lowest car insurance rates in Milwaukee at $883 a year. This is $278 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual are also on the list of the cheapest Milwaukee, WI auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim surcharge, bad credit, and a blemish on her driving record. Since each company has a proprietary method to set premium rates, comparing rates may now result in a different ranking of companies as shown below.
Integrity Mutual now has the cheapest insurance rate in Milwaukee with Rural Mutual Insurance, Nationwide, Travelers, and West Bend Mutual now being in the top five. This example proves why it is critical to shop around with many companies to find affordable insurance quotes for police officers. Insurance rates can be determined by many things and change frequently, so the most affordable company six months ago may now be wasting a lot of money.