Best Cheap Auto Insurance Quotes for Handicapped Drivers in Wisconsin

Best Cheap Auto Insurance Quotes for Handicapped Drivers in Wisconsin

Deciphering which companies have the best car insurance rates for handicapped drivers will involve a bit more effort in order to find a policy that fits your budget. Each auto insurer has a proprietary method for setting rates, so let’s look at the rankings for the car insurance companies that tend to have lower prices in Wisconsin.

Lowest Insurance Price Quotes in Wisconsin

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Who has the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $626
3 Erie $703
4 Rockford Mutual $732
5 Nationwide $752
6 Pekin Insurance $775
7 Western National $777
8 Rural Mutual Insurance $779
9 Integrity Mutual $794
10 Travelers $828
11 The Hartford $922
12 State Farm $923
13 General Casualty $926
14 West Bend Mutual $926
15 Auto Club Group $948
16 American Family $1,125
17 Farmers $1,130
18 Progressive $1,130
19 Auto-Owners $1,160
20 GEICO $1,226
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USAA may have some of the best car insurance rates in Wisconsin at around $604 per year. Partners Mutual, Erie, Rockford Mutual, and Nationwide also are some of the more affordable Wisconsin auto insurance companies.

In the above example, if you currently have a policy with Nationwide and switched to Partners Mutual, you could see yearly savings of in the vicinity of $126. Insureds with Pekin Insurance might save as much as $149 a year, and Western National policyholders might see rate reductions of $151 a year.

To find out how your current rates compare, click here or quote rates from the companies below.

Remember that these premiums are averages across all insureds and vehicles and do not factor in a price discount for handicapped drivers. So the car insurance company that fits your age and vehicle best may not even be included in the list of companies above. That emphasizes why you need to compare as many prices as possible using your own driver information and specific vehicle type.

One of the more important components that help set the policy price is where you normally keep your vehicle in Wisconsin. Cities that have higher claim levels or more people like Milwaukee, West Allis, and Kenosha tend to pay slightly more, whereas areas with less congestion tend to receive cheaper rates.

The information below sorts the more expensive cities in Wisconsin for handicapped drivers to purchase a policy in.

How much does auto insurance cost in Wisconsin?
Rank City Annual Rate
1 Milwaukee $1,368
2 Wauwatosa $1,345
3 West Allis $1,246
4 Racine $1,229
5 Kenosha $1,218
6 Oak Creek $1,166
7 Greenfield $1,156
8 Beloit $1,152
9 Franklin $1,117
10 Brookfield $1,077
11 Madison $1,072
12 La Crosse $1,064
13 Menomonee Falls $1,057
14 Waukesha $1,054
15 Eau Claire $1,049
16 Wausau $1,047
17 Janesville $1,022
18 New Berlin $1,018
19 West Bend $1,007
20 Manitowoc $997
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Rate information is estimated as vehicle location can decrease or increase auto insurance rates noticeably.

Get discounts on Wisconsin auto insurance rates

Car insurance for drivers with handicaps in WisconsinInsurers that provide the best cheap car insurance for handicapped drivers in Wisconsin may also provide special discounts that can lower rates by 40% or more if you meet specific eligibility requirements. Companies and a summarized list of policyholder discounts are included below.

Auto Insurance Discounts Available
Discount Geico Allstate Progressive State Farm
Multiple policies Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes
Theft prevention Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes
Passive restraint Yes Yes No Yes
Daytime running lights Yes No No Yes
New car No Yes No Yes
Hybrid vehicle No Yes No No
Accident-free Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes
Low miles No Yes Yes Yes
Military Yes No Yes Yes
Occupational Yes No No No
Paid in full Yes Yes Yes No
Paperless billing Yes Yes Yes No
Brand loyalty No No Yes Yes
Smart student Yes Yes Yes Yes
Student away from home No Yes Yes Yes
Homeowner No No Yes No
Use seat belts Yes No No No
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The illustration below compares car insurance rates with and without discounts applied to the rates. The data is based on a male driver, no claims or driving citations, Wisconsin state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, marriage, accident-free, multiple policy, multiple vehicle, and vehicle safety discounts applied. When discounts are applied, the average amount saved each year on car insurance for handicapped drivers is % or $.

Choosing the best company can be rather challenging considering how many companies are available to choose from in Wisconsin. The ranking information in the lists below could help you decide which auto insurers you want to consider purchasing coverage from. The ratings below are for major nationwide insurance companies, so companies that only write business in Wisconsin or surrounding areas are not included in these rankings.

Wisconsin Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

How to get the best cheap car insurance for handicapped drivers in Wisconsin

Below you’ll find many penny-pinching solutions that can help you find the cheapest auto insurance.

  • Good credit can help you save money
  • Being accident-free can lower rates significantly
  • Buy your auto and home insurance from the same company and save
  • Buy vehicles with five-star safety ratings
  • Do not pay for full coverage on older vehicles
  • Shop around for lower rates once a year

That last tip is remarkably significant, as we noted in this article. Insurance prices change a lot, so you should be ready to change insurance companies if a better deal can be had. Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you lots of money. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for handicapped drivers.