Who Has Cheap Auto Insurance Quotes for Teenage Females in Wisconsin?

One of the many factors that affect a rate quote is where you keep your vehicle in Wisconsin. Cities with larger populations or higher claims like Milwaukee, West Allis, and Kenosha tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims enjoy lower auto insurance rates.

The next table ranks the most expensive areas in Wisconsin for teenage females to purchase a policy in.

Rates are comparative as the specific area where the vehicle is garaged can impact premium rates considerably.

Determining which company quotes the cheapest auto insurance rates for teenage females may require a tad more effort in order to find the lowest price. Each insurer uses their own calculation for establishing rates, so let’s examine the lowest cost auto insurance companies in Wisconsin.

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USAA may have some of the best car insurance rates in Wisconsin at around $580 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide also are some of the more affordable Wisconsin car insurance companies.

As depicted above, if you are currently insured with Partners Mutual and switched to USAA, you could see yearly savings of approxmiately $52. Insureds with Erie may save as much as $137 a year, and Rockford Mutual customers might cut rates by $152 a year.

Remember that these policy prices are averaged across all drivers and vehicles in Wisconsin and are not factoring in a price increase for teenage females. So the car insurance company that can offer you the best price may not even be in the chart above. That illustrates why you need to get quotes using your own driver and vehicle profiles.

The diagram below demonstrates how deductibles can impact yearly insurance costs when trying to find cheap insurance for teenage females. The prices are based on a single male driver, full coverage, and no other discounts are factored in.

A 30-year-old driver could reduce rates by $296 a year by switching from a $100 deductible up to a $500 deductible, or save $446 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices up to $872 or more by selecting a higher deductible. If you do decide to increase your deductibles, it is a good idea to have enough spare savings to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Insuring your vehicle with the right insurance provider can be difficult considering how many companies provide coverage in Wisconsin. The rank data displayed below could help you select which companies to look at when comparing auto insurance rates for teenage females. These rankings are only comprised of companies with a national presence, so smaller regional companies are not included in this list.

Top 10 Large Auto Insurers Overall in Wisconsin

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Geico, Progressive, Allstate, and State Farm: Who is best?

If you want the best auto insurance for teen girls in Wisconsin, four of the best places to start are Geico, Progressive, Allstate, and State Farm. The table below compares and contrasts pricing and service ratings, plus some optional coverages that are available from each company.

Cheapest insurance quotes for teen girls

Thanks to technology, drivers have a lot of ways to find cheap auto insurance in Wisconsin, but the three most common ways are using a captive (or exclusive) agency such as State Farm or Liberty Mutual, an independent insurance agent, or direct from companies such as Geico or Progressive. Each way has the same basic steps, but they differ slightly in how they work.

Independent agents can place your business with multiple companies and can compare coverage rates with all of them. These agents are not restricted to one company and can compare multiple rates, which may provide you with the best chance of saving money. If cheaper coverage is found, your policy can be easily switched to a new company and you stay with the same agent.

An exlusive, or captive, agency is restricted to quoting rates for a single insurance company, for example an Allstate or Liberty Mutual agent. These agents are unable to provide prices from multiple companies, so you will not be able to compare their rates to other companies.

Consumers who buy auto insurance direct skip the middleman (the agent) and instead shop from a direct company like Esurance or Progressive. Shopping direct can be good for consumers who do not need complex risk management and understand what specific coverages and deductibles they need.

Which way is best for finding cheap auto insurance for teenage females in Wisconsin? It would be premature to say buying from a direct car insurance company saves the most money since there is no middleman, but that turns out to not be true. We could also assume that an independent agent guarantees the best prices since they have more companies to choose from, but that is not necessarily true either. In many circumstances, the exclusive agents have coverage prices that are the cheapest.

Because there are so many factors that make up auto insurance rates, really the only way to make sure you’re not overpaying for auto insurance is to get rate quotes and compare. To find the best rates, be sure to get rate quotes from independent agents, exclusive agents, and direct companies to have the best selection of rates to choose from. To see some of the cheapest online companies available, click here to view.