Cheapest Auto Insurance Quotes for a Learners Permit in Wisconsin

The words “low-priced” and “auto insurance” probably shouldn’t be used together, specifically when you are shopping around for the best insurance rates for a learners permit. Because it’s so expensive, let’s start the ball rolling by going over some of the factors that have an effect on car insurance prices, and see how we can help you take the sting out of your next policy.

For new drivers, one of the more important criteria that is used to calculate the policy price is where your car is garaged in Wisconsin. Areas with more people or even just a higher incidence of claims like Milwaukee, West Allis, and Racine will most likely pay more, whereas cities that are not as densely populated can boast about having cheaper rates.

The next table sorts the highest-priced places in Wisconsin for a learners permit to purchase a policy in.

Annual rates are approximated as the specific zip code location can influence premiums substantially.

The make and model of vehicle you are seeking coverage for is probably the most important factor when consumers are trying to find the cheapest auto insurance for a learners permit in Wisconsin. Vehicles with economical engines, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models. The information below shows auto insurance premiums for the cheaper automobiles to buy coverage for.

Data based on single male 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 information does not factor in specific garaging location which can increase or decrease coverage prices greatly.

Based upon these rates, we can expect cars like the Honda Accord, Honda CR-V, Ford Escape, and Hyundai Elantra are most likely going to be the more affordable vehicles to insure for new drivers. Auto insurance rates will tend to be more expensive anyway just because there is more inherent risk for a learners permit, but in general those models will most likely have the best rates compared to other vehicles.

Safe drivers pay cheaper rates

A great way to score the cheapest auto insurance for a learners permit in Wisconsin is to drive attentively and avoid traffic citations and accidents. The example below shows how violations and at-fault accidents can impact insurance prices for each different age category. The premium estimates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of auto insurance in Wisconsin per year with no violations or accidents is $1,246. Factor in two speeding tickets and the average cost rises to $1,772, an increase of $526 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a learners permit goes up to an average of $3,728. That’s an increase of $2,482, or $207 per month, just for not being more responsible behind the wheel!

Wisconsin car insurance companies

Picking a highly-rated insurance company can be difficult considering how many choices you have in Wisconsin. The company rank data in the next section could help you select which car insurance providers you want to consider when shopping around.

The rankings below include companies who write in the majority of U.S. states, so companies without a large exposure will not be included in the list. If you would like to check rates from these and other companies in Wisconsin, click here.

Top 10 Large Auto Insurers in Wisconsin Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Erie Insurance – A+
8. Nationwide – A+
9. Progressive – A+
10. Allstate – A+

Best rates: Allstate, Progressive, Geico, or State Farm

When shopping for car insurance, probably the best companies to start with are Allstate, Progressive, Geico, and State Farm. The following table points out ratings and policy coverage options that are available for customers.