Who Has Cheap Car Insurance Quotes for 18 Year Olds in Wisconsin?

You have surely seen all the catchy commercials from insurers like Progressive, Allstate, and State Farm promising dirt cheap rates. So drivers should just pick the one with the best commercial, right?

It’s not that easy, however, as there are a lot of unknown factors such as if you have a spouse, which neighborhood you live in, and the amount of liability insurance you need, that all factor into the price you pay. We will try to cover these topics and will hopefully give the reader a good start in finding the cheapest car insurance.

The make and model of vehicle you are trying to insure is probably the most important factor when trying to find cheap auto insurance for 18 year olds in Wisconsin. Vehicles with limited top-end speed, excellent safety ratings, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The information below ranks coverage prices for some of the cheapest vehicles to insure.

Above prices assume single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in garaging location in Wisconsin which can lower or raise prices noticeably.

Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 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 lower or raise prices considerably.

Premium data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle location which can decrease or increase prices substantially.

When shopping for auto insurance for teen drivers, one of the many components used to establish rate quotes is the neighborhood you call home in Wisconsin. Regions with larger populations or more claims like Milwaukee, West Allis, and Greenfield will most likely have higher rates, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The information below ranks the most expensive places in Wisconsin for 18 year olds in which to purchase auto insurance.

Rate information is estimated as the specific garaging location can change coverage rates greatly.

Deciphering which company quotes the most affordable auto insurance rates for 18 year olds will involve more work than just comparing rates from one or two companies.

Each insurer has their own formula to determine premium rates, so we’ll go over the auto insurance companies with the overall best prices in Wisconsin. We do need to point out that Wisconsin auto insurance rates are impacted by many things that may substantially change the cost of a policy. Simply improving your credit, buying a home, or getting a ticket for running a stop sign can produce rate changes that can now make some companies more affordable than before.

Cheap Insurance Rates for Teens

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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 Pekin Insurance also qualify as some of the most economical Wisconsin auto insurance companies.

As the rates illustrate above, if you buy coverage from Partners Mutual and switched to USAA, you could see a yearly savings of upwards of $28. Customers with Erie may save as much as $117 a year, and Rockford Mutual policyholders might reduce prices by as much as $146 a year.

It’s important to note that these rates are averages across all types of insureds and vehicles and and are not figured with a price surcharge for 18 year olds. So the car insurance company that fits your age and vehicle best may not even be shown in the above list. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

The chart below illustrates how your choice of deductibles can impact insurance costs when quoting cheap insurance for 18 year olds. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could pocket $158 a year by increasing from a $100 deductible to a $500 deductible, or save $238 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, can save as much as $390 each year by choosing a larger deductible amount. If you make the decision to raise deductibles, it will be necessary to have spare funds to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

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

When comparing auto insurance, four of the larger companies to compare rates for are Progressive, State Farm, Allstate, and Geico. When added together, they make up over 48% of all car insurance policies in America. The table below compares some of the different options that may be available in Wisconsin.

How to get cheap auto insurance for 18 year olds in Wisconsin

Below you’ll find some of the recommended thrifty ideas that can help Wisconsin drivers quote cheap auto insurance.

• Do not get tickets or violations
• Drivers with good credit often pay less
• Being accident-free can lower rates significantly
• Bundle home and auto and save
• Try to remain claim-free
• Increase your deductibles
• Keep rates low by shopping around frequently

The last tip in the list is especially necessary, as was stressed in this piece. Coverage rates in Wisconsin vary greatly, so drivers shouldn’t be reluctant to switch carriers if a lower price can be found.

Having a favorite company is great, but it isn’t a good idea if that dedication is costing potentially thousands of dollars a year. Spend a few minutes and compare rates and find cheaper auto insurance for 18 year olds.