One of the more important things that are looked at to determine auto insurance rates is where you live in Madison. Larger areas tend to have higher auto insurance costs, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.
The following table lists the most expensive areas in Wisconsin for government employees in which to buy car insurance. Madison makes the list at #15 with the yearly price of $1,062 for the average policyholder, which is around $89 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Milwaukee | $1,410 |
| 2 | Wauwatosa | $1,319 |
| 3 | Racine | $1,229 |
| 4 | Kenosha | $1,218 |
| 5 | West Allis | $1,210 |
| 6 | Greenfield | $1,168 |
| 7 | Oak Creek | $1,166 |
| 8 | Beloit | $1,164 |
| 9 | Franklin | $1,151 |
| 10 | Eau Claire | $1,091 |
| 11 | Brookfield | $1,077 |
| 12 | Menomonee Falls | $1,068 |
| 13 | Waukesha | $1,065 |
| 14 | La Crosse | $1,064 |
| 15 | Madison | $1,062 |
| 16 | Janesville | $1,042 |
| 17 | Wausau | $1,037 |
| 18 | New Berlin | $1,029 |
| 19 | Manitowoc | $997 |
| 20 | Oshkosh | $980 |
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Premium costs are comparative as vehicle location can increase or decrease price quotes substantially.
The make and model of vehicle that is being insured is a significant factor that determines the availability of the best cheap car insurance for government employees. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.
The list below estimates car insurance premiums for some of the most economical vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,002 |
| Toyota Prius | $1,109 |
| Honda CR-V EX 2WD | $1,147 |
| Chevrolet Impala LS | $1,161 |
| Volkswagen Jetta 2.0T Station Wagon | $1,172 |
| Ford Escape XLT 4WD | $1,178 |
| Chevrolet Equinox LS AWD | $1,184 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,186 |
| Ford F-150 Lariat Crew Cab 2WD | $1,206 |
| Honda Civic LX-S 4-Dr Sedan | $1,224 |
| Toyota Corolla XLE | $1,247 |
| Ford Edge SE 2WD | $1,263 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,288 |
| Dodge Grand Caravan SE | $1,296 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,315 |
| Honda Odyssey EX W/Rear Entertainment | $1,336 |
| Toyota Tacoma 2WD | $1,344 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,356 |
| Ford Explorer XLT AWD | $1,377 |
| Chevrolet Malibu LT | $1,386 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,418 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,431 |
| Ford F-250 Lariat Super Cab Turbo Diesel 2WD | $1,440 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change premium rates greatly.
Based upon the rates shown, you can conclude that cars like the Hyundai Elantra, Toyota Prius, Honda CR-V, Chevrolet Impala, and Volkswagen Jetta are most likely going to be the cheapest vehicles to insure for state and federal workers.
Finding decent, cheap auto insurance is confusing at best, and deciding which companies quote the best car insurance rates for government employees will take even more shopping around. Each auto insurer has a different process for setting prices, so let’s begin by examining the most budget-friendly car insurance companies in Wisconsin.
It’s important that readers know that Madison, WI car insurance rates are based on many factors that can increase the price you pay. This price variation is why Wisconsin drivers need to compare as many rates as possible to get the cheapest auto insurance rates for government employees. Auto insurance prices can be altered by many risk factors and change substantially, so the best option the last time you shopped your coverage around may now be one of the more expensive options.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $604 |
| 2 | Partners Mutual | $626 |
| 3 | Erie | $703 |
| 4 | Rockford Mutual | $732 |
| 5 | Pekin Insurance | $745 |
| 6 | Rural Mutual Insurance | $749 |
| 7 | Nationwide | $752 |
| 8 | Integrity Mutual | $794 |
| 9 | Travelers | $796 |
| 10 | Western National | $801 |
| 11 | State Farm | $905 |
| 12 | West Bend Mutual | $926 |
| 13 | Auto Club Group | $948 |
| 14 | The Hartford | $950 |
| 15 | General Casualty | $954 |
| 16 | American Family | $1,125 |
| 17 | Farmers | $1,141 |
| 18 | Auto-Owners | $1,160 |
| 19 | Progressive | $1,164 |
| 20 | GEICO | $1,226 |
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USAA may have some of the best car insurance rates in Madison at around $604 each year. This is $557 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also are some of the cheaper Madison, WI auto insurance companies.
In the above rates, if you have coverage with Erie and switched to USAA, you may realize savings of in the vicinity of $99. Policyholders with Rockford Mutual may save as much as $128 a year, and Pekin Insurance customers might cut rates by $141 a year.
To compare your rates to other Wisconsin insurance companies, click here to get a free quote or click several companies below for low rates.
Bear in mind that those policy rates are averages across all drivers and vehicles in Wisconsin and and are not figured with a specific location for government employees. So the car insurance company that can offer you the best price may not even be in the top 30 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
The diagram below highlights how deductible choice can change insurance costs when researching cheap insurance for government employees. The premiums assume a married female driver, comp and collision included, and no discounts are factored in.
As shown above, a 50-year-old driver could cut expenses by $158 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $238 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save up to $390 or more by using a higher deductible. When using a larger deductible, it will be important to have enough savings to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discounts on Madison auto insurance
Insurers that offer quotes for government employees may also offer rate discounts that can reduce rates by as much as 25% or more if you meet specific criteria. Large car insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm has savings for driver’s education, safe vehicle, good student, accident-free, and Drive Safe & Save.
- Farmers Insurance may offer discounts for distant student, mature driver, electronic funds transfer, business and professional, pay in full, homeowner, and bundle discounts.
- Progressive includes discounts for online quote discount, online signing, continuous coverage, multi-policy, homeowner, and multi-vehicle.
- GEICO offers discounts for seat belt use, driver training, multi-vehicle, anti-lock brakes, air bags, and anti-theft.
- Auto-Owners Insurance offers premium reductions for anti-theft, multiple vehicles, teen driver, air bags, and anti-lock brakes.
- The Hartford has discounts for driver training, anti-theft, defensive driver, bundle, air bag, vehicle fuel type, and good student.
- Farm Bureau policyholders can earn discounts including safe driver, renewal discount, multi-vehicle, youthful driver, multi-policy, good student, and 55 and retired.
- USAA discounts include vehicle storage, new vehicle, multi-policy, safe driver, and family discount.
The information below shows the comparison of auto insurance rates with and without policy discounts. The premiums are based on a female driver, no claims, a clean driving record, Wisconsin state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, passive restraint, defensive driving course, multiple vehicle, multiple policy, and marriage discounts applied. With discounts applied, the average amount saved each year on car insurance for government employees is 27% or $344.
Careless driving habits raise car insurance rates
In a perfect world, the best way to snag cheap car insurance prices for state and federal workers is to drive cautiously and avoid tickets and accidents. The diagram below highlights how speeding tickets and at-fault claims increase premium costs for different categories of driver ages. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy in Madison per year with no accidents or violations is $1,142. Factor in one speeding ticket and the average cost rises to $1,324, an increase of $182 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for government employees goes up to an average of $1,849. That’s an increase of $707, or $59 per month, just for not driving carefully!