Best Cheap Auto Insurance Quotes for a School Permit in Wisconsin

You’ve seen the captivating commercials from car insurance companies like The General and State Farm promising enormous savings. So drivers should just choose any of them, right?

It’s not that simple, unfortunately, as there are a ton of unknowns such as whether you just want liability only, the level of liability coverage you want, if you have any prior insurance claims, and whether you are male or female, that all help calculate your car insurance rates. Car insurance is kind of a dry topic, but this article will explain the best ways to avoid high prices and will give you a solid foundation to find cheaper car insurance in Wisconsin.

Finding low-priced auto insurance is not always easy, and figuring out which companies offer the lowest-priced car insurance rates for a school permit will take additional perseverance. Insurance premiums will be quite a bit greater than the average price in Wisconsin due to the additional risk associated with offering insurance for a learners permit, but competitively-priced insurance should be attainable if you look hard enough. Each insurance company has a different process for determining rates in each state, so we’ll go over the car insurance companies with the most affordable rates in Wisconsin.

Keep in mind that Wisconsin car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Events like turning one year older, filing a claim, or having an at-fault accident can trigger changes in premium that may make certain companies much cheaper than others.

Best Cheap Insurance Rates for Students

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USAA generally has some of the cheapest car insurance rates in Wisconsin at around $598 each year. Partners Mutual, Erie, Pekin Insurance, and Rural Mutual Insurance would also be considered some of the cheaper Wisconsin auto insurance companies.

As shown above, if you are a customer of Pekin Insurance and switched to Partners Mutual, you might realize a yearly price reduction of around $119. Customers with Rural Mutual Insurance may save as much as $123 a year, and Nationwide insureds might realize rate reductions of up to $126 a year.

To compare your rates to other Wisconsin insurance companies, click here to get a free quote or visit any of the companies below.

Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a rate surcharge for a school permit. So the car insurance company that fits your situation best may not even be featured in the list above. That point stresses why you need to get rate quotes using your own driver data and vehicle information.

For a learners permit, one of the more important factors used to establish the price of your policy is your address. Cities with more crime and/or more people like Milwaukee, West Allis, and Greenfield tend to pay more, whereas less populated areas enjoy lower auto insurance rates.

The following table ranks the most expensive areas in Wisconsin for a school permit to purchase a policy in.

Rate information is estimated as the specific Wisconsin residence address can increase or decrease rates greatly.

Cautious drivers save money

The easiest way to maintain the cheapest car insurance premiums in Wisconsin for a learners permit is to drive safely and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and accidents drive up insurance rates for different insured age categories. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,195. Get two speeding tickets and the average cost hikes up to $1,580, an increase of $385 each year. Then include one accident along with the two speeding tickets and the annual cost of car insurance for a school permit increases to an average of $1,966. That’s an increase of $770, or $64 per month, just for being a little careless behind the wheel!