How Much is Auto Insurance for Infrequent Drivers in Madison?

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Comparing quotes for cheap car insurance is tough enough, and figuring out which companies have the cheapest car insurance rates for infrequent drivers requires even more diligence. Each auto insurer uses their own calculation to set premium rates, so we'll go over the lowest cost car insurance companies in Madison.

We do need to point out that Madison, WI car insurance rates are calculated based on many things that may substantially change your annual premium. Getting older, adding a teenager to your policy, or getting a speeding ticket can trigger rate changes that can cause some rates to be more expensive than before.

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Cheapest Wisconsin car insurance ranked by price
Rank Company Cost Per Year
1 USAA $598
2 Partners Mutual $632
3 Erie $703
4 Nationwide $745
5 Rockford Mutual $754
6 Pekin Insurance $768
7 Western National $769
8 Rural Mutual Insurance $779
9 Integrity Mutual $794
10 Travelers $820
11 West Bend Mutual $926
12 State Farm $932
13 The Hartford $940
14 Auto Club Group $948
15 General Casualty $954
16 Progressive $1,130
17 American Family $1,137
18 Auto-Owners $1,148
19 Farmers $1,176
20 GEICO $1,190
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USAA has some of the cheapest car insurance rates in Madison at around $598 per year. This is $563 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Nationwide, and Rockford Mutual also qualify as some of the most economical Madison, WI insurance companies.

In the above example, if you are insured with Nationwide and switched to Partners Mutual, you could earn a yearly savings of in the vicinity of $113. Insureds with Rockford Mutual might save as much as $122 a year, and Pekin Insurance customers might reduce prices by as much as $136 a year.

If you want to see how much you could save, click here to begin a quote or click through to the companies below.

Understand that those policy prices are averaged for all types of insureds and vehicles and and are not calculated with an exact zip code location for infrequent drivers. So the company that can offer the best rates for your situation may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

One of the many criteria that are used to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in Madison. Cities with larger populations tend to pay slightly more, whereas less populated areas have the luxury of cheap car insurance rates.

The following table ranks the highest-priced areas in Wisconsin for infrequent drivers to purchase auto insurance in. Madison makes the list at #13 with the annual price of $1,040 for coverage, which is around $87 per month.

How much is auto insurance in Madison, WI?
Rank City Annual Premium
1 Milwaukee $1,368
2 Wauwatosa $1,305
3 West Allis $1,234
4 Kenosha $1,230
5 Racine $1,217
6 Oak Creek $1,202
7 Greenfield $1,192
8 Franklin $1,163
9 Beloit $1,152
10 Waukesha $1,065
11 Eau Claire $1,059
12 Menomonee Falls $1,057
13 Madison $1,040
14 Wausau $1,037
15 Brookfield $1,035
16 Janesville $1,022
17 La Crosse $1,022
18 New Berlin $1,018
19 Manitowoc $997
20 West Bend $987
21 Green Bay $969
22 Fond du Lac $965
23 Appleton $964
24 Oshkosh $951
25 Sheboygan $935
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Prices are approximated as the specific area where the vehicle is garaged can affect insurance rates noticeably.

The car, truck, or SUV driven is a significant factor when looking for low-priced insurance for infrequent drivers. Vehicles with high performance features, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.

The next table ranks coverage rates for a number of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Madison, WI
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,060
Honda CR-V LX 4WD $1,133
Toyota Prius $1,149
Honda Odyssey EX W/Rear Entertainment $1,207
Ford Edge SEL 2WD $1,212
Chevrolet Impala LS $1,207
Toyota Tacoma Double Cab 4WD $1,229
Chevrolet Equinox LS AWD $1,235
Volkswagen Jetta S 2.5 Station Wagon $1,264
Ford Focus SES 4-Dr Sedan $1,273
Toyota Corolla LE $1,296
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,319
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,330
Ford Fusion S 4-Dr Sedan $1,344
GMC Sierra SLE Crew Cab 2WD $1,349
Chevrolet Malibu LS $1,344
Toyota RAV4 Sport 2WD $1,350
Dodge Ram Quad Cab ST 2WD $1,362
Nissan Altima 2.5 4-Dr Sedan $1,381
Toyota Camry LE $1,389
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle location which can raise or lower price quotes substantially.

By looking at the data, you can figure that models like the Ford Escape, Honda CR-V, and Toyota Prius are most likely going to be some of the most economical vehicles to insure for low mileage drivers.

Picking the right auto insurance company can be a challenge considering how many companies there are in Madison. The company rank data below may help you decide which insurers to look at when trying find the best insurance for infrequent drivers.

These ratings only include large, nationwide insurance companies, so smaller companies are not included in this list. To compare rates from these top-rated insurers and more, click here.

Top Ten Car Insurance Companies for Infrequent Drivers in Madison, WI
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how different deductible levels can influence insurance prices when searching for cheap insurance for infrequent drivers. The price estimates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could pocket $182 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $276 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, could possibly save as much as $462 every year by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough spare savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

Why you should be comparing rates

Madison car insurance rates are impacted by many things which can substantially change the cost of your policy. Getting older, buying another vehicle, or getting a speeding ticket may prompt premium changes that can make some companies cheaper than competitors.

In addition, companies file new Wisconsin car insurance rates multiple times each year to adjust for unexpected claims or profits. Heavier than normal losses can result in higher prices, while a lower level of claims can cause cheaper Madison car insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Madison, WI for a 45-year-old male driver with no violations or accidents, and a high credit rating. If we compare prices based on his current rating profile, USAA may have the lowest car insurance rates in Madison at $665 a year. This is $496 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are the rest of the best Madison, WI auto insurance companies.

In this example, we will give the driver from the first set of rates some claims, poor credit, and a few blemishes on his driving record. Since each insurance company has a unique formula for determining prices, analyzing rates will most likely result in a completely different list of affordable Madison car insurance companies as shown below.

Pekin Insurance now has the cheapest price in Madison with Integrity Mutual, Western National, Travelers, and Partners Mutual now rounding out the top five. This demonstrates why it is important to spend some time comparing rates to get the most budget-friendly insurance quotes for infrequent drivers. Insurance rates are determined by many risk factors and change dramatically, so the most economical company two years ago may now cost much more than other companies.

How to find budget-friendly car insurance for infrequent drivers

Below you'll find some of the recommended penny-pinching solutions that can help you locate lower-cost coverage.

The last tip is notably significant, as we discussed in this write-up. Auto insurance rates can be modified anytime, so don't hesitate to buy a policy from a new company if a cheaper rate is available.

Sticking with a specific company is fine, but is isn't recommended if your bullheadedness ends up costing you big bucks every year. If you have a few minutes, shop around to find cheaper car insurance for infrequent drivers in Madison.

If you prefer to have a little guidance when trying to find lower insurance rates for low mileage drivers, the agencies below can help you make a decision which coverage meets your needs best. To find an auto insurance agency close to you, click the button at the bottom of the list.

Spectrum Insurance Group - Madison
525 Junction Rd #8505 - Madison, WI 53717 - (608) 204-7055

Gehrke Insurance
1310 Mendota St # 108 - Madison, WI 53714 - (608) 241-4136

Melissa Eckstrom - State Farm Insurance Agent
1771 Thierer Rd - Madison, WI 53704 - (608) 663-5000

Find a Madison, WI insurance agent near you