Find Cheaper Wisconsin Car Insurance Rates for Teenagers
Enter your Wisconsin Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
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For teen drivers, one of the largest criteria that is used to calculate the amount you pay each year for auto insurance is the neighborhood you call home in Wisconsin. Areas that are more densely populated like Milwaukee, West Allis, and Racine will most likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The following table lists the highest-priced areas in Wisconsin for teenagers to buy car insurance in.
|Rank||City||Average Per Year|
|21||Fond du Lac||$965|
|Find the Best Rates Go|
Rate information is approximated as the specific zip code location can change rates substantially.
The make and model of vehicle on the policy is one of the largest considerations that determines the availability of cheap insurance for teenagers in Wisconsin. Vehicles with lower performance, excellent safety ratings, or low incidents of liability claims will cost less to insure than high performance models.
The next list illustrates car insurance costs for a handful of the cheapest vehicles to insure in Wisconsin.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,606|
|Honda Accord EX 4-Dr Sedan||$1,614|
|Honda CR-V EX 4WD||$1,622|
|Chevrolet Traverse LS 2WD||$1,630|
|Honda Odyssey LX||$1,775|
|Volkswagen Jetta 2.0T Station Wagon||$1,867|
|Subaru Forester X Limited Edition W/Navigation AWD||$1,885|
|Chevrolet Impala LT||$1,906|
|Hyundai Tucson Limited 4WD||$1,911|
|Toyota RAV4 2WD||$1,906|
|Chevrolet Equinox LT AWD||$1,915|
|Hyundai Santa Fe SE 2WD||$1,906|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,924|
|Ford Explorer Limited AWD||$1,934|
|Chevrolet Malibu LT||$1,924|
|Ford F-150 XLT Crew Cab 4WD||$1,931|
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Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can lower or raise prices significantly.
Based upon these rates, vehicles like the Ford Escape, Honda Accord, Honda CR-V, and Chevrolet Traverse are going to be the cheapest vehicles to insure for teen drivers. The cost of a car insurance policy will be more expensive just because there is a higher risk for teenagers, but generally speaking those specific models will probably have the least expensive rates compared to other types of vehicles.
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Discounts on cheap insurance for teenagers in Wisconsin
Insurance providers that provide policies for teenagers may additionally offer price discounts that may potentially lower prices by as much as 40% or more if you can meet the requirements. A few of the larger companies and the discounts they provide are shown below.
- GEICO discounts include emergency military deployment, five-year accident-free, anti-theft, air bags, daytime running lights, anti-lock brakes, and driver training.
- USAA may include discounts for loyalty savings, new vehicle, driver training, safe driver, multi-vehicle, annual mileage, and good student.
- Progressive has savings for homeowner, online quote discount, good student, multi-policy, continuous coverage, online signing, and multi-vehicle.
- American Family offers discounts for mySafetyValet, defensive driver, good student, bundled insurance, multi-vehicle, accident-free, and air bags.
- Esurance has discounts for DriveSense, renters, emergency road assistance, online quote, safety device, Switch & Save, and online shopper.
- Farmers Insurance may offer discounts for alternative fuel, distant student, switch companies, bundle discounts, and mature driver.
- State Farm includes discounts for Drive Safe & Save, accident-free, multiple autos, good driver, and defensive driving training.
The example below shows the comparison of car insurance costs with and without discounts applied. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with good student, vehicle safety, paid-in-full, paperless filing, continuous coverage, and passive restraint discounts applied. When drivers take advantage of discounts, the average yearly reduction on auto insurance for teenagers is 28% or $646.
Selecting the best company can be rather challenging considering how many companies sell coverage in Wisconsin. The company rank data shown below could help you select which car insurance providers to look at when comparing rate quotes.
These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not included in these rankings. To get rate quotes from the insurers below and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
The importance of shopping around
Wisconsin auto insurance rates are impacted by many factors which can substantially change the cost of a policy. Simply improving your credit, increasing liability limits, or getting a driving violation may cause policy rate changes that may make certain companies cheaper than competitors.
Not only may things change on your end, but auto insurance companies change the rates they charge in Wisconsin as needed in order to be able to pay unexpected claims. Significantly higher losses can cause increased policy costs, while a lower level of claims can produce more affordable Wisconsin car insurance rates.
To illustrate this point, the graph below shows a variety of companies that have the cheapest car insurance in Wisconsin for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. If we estimate rates based on her current situation, USAA offers the most affordable car insurance rates in Wisconsin at $604 annually. This is $557 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance round out the rest of the best Wisconsin auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart some claims, bad credit, and a speeding ticket. Because each company uses their own method for determining rates, comparing prices could now result in a completely different list of the cheapest companies as shown below.
Integrity Mutual now has the cheapest insurance rate in Wisconsin with Pekin Insurance, Western National, Travelers, and Partners Mutual also being competitive. This example proves why Wisconsin drivers need to shop around when trying to get affordable car insurance quotes for teenagers.
Prices are influenced by many different factors and can decrease or increase without notice, so the lowest-price company six months ago may now be quite expensive. Use our FREE quote tool to compare now!
Frequently Asked Questions
Why are car insurance rates higher for teenagers in Wisconsin?
Car insurance rates for teenagers tend to be higher due to the higher risk associated with their lack of driving experience. Teenagers are statistically more likely to be involved in accidents, leading insurance companies to charge higher premiums to compensate for the increased risk.
How can I find cheaper car insurance rates for my teenager in Wisconsin?
There are several strategies you can employ to find cheaper car insurance rates for teenagers in Wisconsin:
- Shop around: Compare quotes from multiple insurance companies to find the best rates available.
- Good student discounts: Many insurance providers offer discounts for teenagers who maintain good grades in school.
- Driver’s education: Enroll your teenager in a driver’s education course, as some insurance companies offer discounts for completion.
- Add them to your policy: Adding your teenager to your existing car insurance policy may be more cost-effective than purchasing a separate policy for them.
- Consider the vehicle: The type of car your teenager drives can affect insurance rates. Opting for a safe and practical vehicle with good safety features may result in lower premiums.
- Increase deductibles: If you’re comfortable with assuming more financial risk, raising the deductibles on your policy can lower the premium costs.
Are there any specific insurance companies that offer cheaper rates for teenage drivers in Wisconsin?
Insurance rates can vary between companies, so it’s essential to shop around and compare quotes. However, some insurance companies that are known for offering competitive rates for teenage drivers in Wisconsin include State Farm, Geico, Progressive, and Allstate. Remember to consider factors beyond just the price, such as customer service and coverage options, when selecting an insurance company.
Is it necessary for my teenager to have their own car insurance policy?
It is not always necessary for teenagers to have their own car insurance policy. In many cases, parents can add their teenager to their existing policy, which is often more cost-effective. However, it’s crucial to consult with your insurance provider to understand their specific requirements and recommendations.
Can I take advantage of any discounts to reduce my teenager’s insurance rates?
Yes, there are various discounts you can explore to reduce your teenager’s insurance rates. Some common discounts include good student discounts, driver’s education discounts, discounts for safety features in the vehicle, and multi-policy discounts if you have multiple insurance policies with the same company. Contact your insurance provider to inquire about the specific discounts they offer for teenage drivers in Wisconsin.
How long do higher insurance rates for teenagers typically last?
While insurance rates for teenagers are generally higher, they tend to decrease as the teenager gains more driving experience and maintains a clean driving record. The specific duration for higher rates can vary depending on the insurance company and individual circumstances. Typically, rates start to decline around the age of 25 when the driver is considered more experienced.
Are there any specific driving restrictions or requirements for teenage drivers in Wisconsin?
Yes, Wisconsin has specific driving restrictions and requirements for teenage drivers. These may include limitations on nighttime driving, passenger restrictions, and mandatory completion of a driver’s education course. It’s important to familiarize yourself with these requirements and ensure compliance to avoid any potential penalties or insurance issues.
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