Best Cheap Car Insurance for 16 Year Olds in Wisconsin

Best Cheap Car Insurance for 16 Year Olds in Wisconsin

Things would sure be easy if we could simply tell you the company that has the most affordable insurance in Wisconsin. It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like your credit history, the safety features built into your vehicle, and whether you need higher levels of liability coverage. The information below covers the causes of high insurance rates and educate you enough to have a good start to your coverage search.

The type of vehicle that is being insured is probably the largest consideration when looking for the most economical insurance for 16 year olds. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The table below outlines insurance premiums for a handful of the cheapest automobiles to insure.

Cheapest Auto Insurance Rates for 16 Year Olds in Wisconsin
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,606
Hyundai Elantra GLS Touring Station Wagon $1,615
Ford Escape XLT 2WD $1,606
Chevrolet Traverse LT 2WD $1,640
Toyota Prius $1,754
Subaru Forester X AWD $1,760
Hyundai Tucson GLS 4WD $1,792
Dodge Grand Caravan SE $1,802
Jeep Wrangler Sahara 4WD 2-Dr $1,792
Ford F-150 XLT Super Cab 4WD $1,809
Volkswagen Jetta 2.0T Station Wagon $1,867
Ford Edge SE AWD $1,889
Chevrolet Equinox LT 2WD $1,906
Toyota Sienna LE AWD $1,912
Hyundai Santa Fe GLS 4WD $1,906
Toyota RAV4 Limited 4WD $1,914
Subaru Outback 2.5I Limited $1,924
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,930
Ford Explorer Eddie Bauer AWD $1,924
Honda Civic LX-S 4-Dr Sedan $2,002
Toyota Corolla XLE $2,019
Toyota Camry XLE $2,028
Chevrolet Impala LTZ $2,019
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Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates substantially.

By looking at the data, we can presume that makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape will definitely be a few of the cheapest vehicles to insure for new drivers. The cost of auto insurance will be higher anyway because there is more exposure for 16 year olds, but generally speaking those specific models will have the cheapest car insurance rates compared to other vehicles.

Determining which company has the cheapest insurance rates for 16 year olds takes more work in order to find coverage that fits your buget. Each insurance company has their own process for setting prices, so we will examine the insurance companies that tend to be cheaper in Wisconsin.

It’s important to understand that Wisconsin insurance rates are impacted by many things that control the price you have to pay. Getting older, buying a different vehicle, or getting a ticket for careless driving may cause policy rate changes resulting in some companies being more affordable than competitors.

Best Car Insurance Prices for Teens

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Cheapest Wisconsin car insurance ranked by price
Rank Company Cost Per Year
1 USAA $586
2 Partners Mutual $632
3 Erie $724
4 Rockford Mutual $732
5 Rural Mutual Insurance $756
6 Pekin Insurance $768
7 Nationwide $768
8 Western National $769
9 Integrity Mutual $770
10 Travelers $828
11 West Bend Mutual $899
12 State Farm $905
13 General Casualty $926
14 Auto Club Group $939
15 The Hartford $950
16 Auto-Owners $1,126
17 Progressive $1,164
18 American Family $1,171
19 Farmers $1,176
20 GEICO $1,202
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USAA offers some of the best car insurance rates in Wisconsin at around $586 a year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also rank well as some of the more affordable Wisconsin car insurance companies.

As shown in the table above, if you are insured with Rockford Mutual and switched to Partners Mutual, you may see yearly savings of in the neighborhood of $100. Insureds with Rural Mutual Insurance may save as much as $124 a year, and Pekin Insurance insureds might lower prices by up to $136 a year.

To get a fast rate comparison, click here to begin a quote or click through to the companies below.

Understand that those premium estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a price increase for 16 year olds. So the car insurance company that has the cheapest rates for you may not even be featured in the list above. That helps illustrate why you need to get rate quotes using your own personalized driver profile and vehicle information.

When shopping for the cheapest car insurance for new drivers, one of the many components used to establish car insurance rates is your address. Densely populated urban areas like Milwaukee, Kenosha, and Greenfield tend to pay more, whereas areas that are not as densely populated generally benefit from lower car insurance rates.

The illustration below sorts the priciest cities in Wisconsin for 16 year olds in which to purchase auto insurance.

Where does Wisconsin rank for car insurance cost?
Rank City Premium Per Year
1 Milwaukee $1,368
2 Wauwatosa $1,345
3 Kenosha $1,230
4 Racine $1,217
5 Greenfield $1,204
6 West Allis $1,198
7 Oak Creek $1,190
8 Beloit $1,152
9 Franklin $1,117
10 Eau Claire $1,091
11 Wausau $1,079
12 La Crosse $1,064
13 Madison $1,062
14 Janesville $1,053
15 Brookfield $1,045
16 New Berlin $1,029
17 Menomonee Falls $1,026
18 Waukesha $1,023
19 Fond du Lac $995
20 West Bend $977
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Rate information is comparative as the specific Wisconsin residence address can influence coverage prices significantly.

Picking the highest-rated car insurance company can be challenging considering how many different insurance companies sell coverage in Wisconsin. The company ratings listed below could help you decide which providers you want to consider when comparing rate quotes.

The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that only write business in Wisconsin or surrounding areas are not factored into this list. To check rates from these and other top-rated companies, follow this link.

Top 15 Insurance Companies for 16 Year Olds
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
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Data Source: Best Car Insurance Companies

Insurance rates are higher with tickets and accidents

The recommended way to get the best insurance premiums in Wisconsin for new drivers is to drive safely and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and accidents can impact premium costs for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

In the previous example, the average cost of car insurance in Wisconsin per year with no violations or accidents is $1,237. Get one speeding ticket and the average cost swells to $1,423, an increase of $186 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for 16 year olds increases to an average of $1,943. That’s an increase of $706, or $59 per month, just for not driving carefully!

How to find economical auto insurance for 16 year olds

Lowering your rates is not difficult, and here are many thrifty solutions that can help you find cheap coverage.

  • Good credit scores may make rates cheaper
  • Buy safe vehicles
  • Raise deductibles to save money
  • Full coverage may not be needed on older vehicles
  • Avoid accidents
  • Avoid getting tickets or violations
  • Compare quotes from other companies often

The last suggestion is remarkably significant, as was pointed out in the prior article. Rates in Wisconsin change constantly, so don’t be afraid to buy a different policy if a lower-cost policy is available.

Having a favorite company is fine, but we do not recommend it if that devotedness results in you overpaying lots of money. Now is a great time to shop around to find cheaper insurance for 16 year olds.