How Much is Auto Insurance for Single Moms in Madison?

The make and model of vehicle you are buying coverage for is probably the most important factor in finding economical coverage for single moms. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.

The data below presents car insurance premiums for a number of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Madison, WI
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $961
Honda CR-V LX 2WD $967
Honda Odyssey LX $1,054
Ford F-150 XLT Super Cab 2WD $1,077
Ford Edge SEL 2WD $1,112
Toyota RAV4 Limited 2WD $1,135
Chevrolet Equinox LT AWD $1,145
Chevrolet Malibu LT $1,157
Ford Escape XLT 4WD $1,206
GMC Sierra SLE Extended Cab 4WD $1,217
Volkswagen Jetta SE 4-Dr Sedan $1,227
Ford Fusion SE 4-Dr Sedan $1,217
Dodge Grand Caravan SE $1,232
Ford Explorer XLT 4WD $1,240
GMC Sierra 3500HD SLE Crew Cab 2WD $1,239
Ford Focus SE 2-Dr Coupe $1,277
Chevrolet Impala LS $1,286
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in Madison, WI location which can alter prices significantly.

Looking at the data, you can figure that cars like the Honda Accord, Honda CR-V, Honda Odyssey, Ford F-150, and Ford Edge are most likely to be the more affordable vehicles to insure for single parents.

Figuring out which companies quote the cheapest car insurance rates for single moms takes a little more sweat in order to find the best policy.

Every insurance company uses a slightly different approach to determine premium rates, so we’ll go over the car insurance companies with the overall best prices in Wisconsin.

Find the Cheapest Auto Insurance for Single Moms

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Rankings for the cheapest Wisconsin auto insurance companies
Rank Company Cost Per Year
1 USAA $598
2 Partners Mutual $632
3 Erie $717
4 Rockford Mutual $746
5 Nationwide $752
6 Integrity Mutual $770
7 Pekin Insurance $775
8 Western National $777
9 Rural Mutual Insurance $779
10 Travelers $828
11 State Farm $896
12 West Bend Mutual $917
13 The Hartford $922
14 General Casualty $936
15 Auto Club Group $948
16 Auto-Owners $1,126
17 Progressive $1,164
18 American Family $1,171
19 Farmers $1,176
20 GEICO $1,190
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USAA has some of the lowest car insurance rates in Madison at around $598 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide are also some of the cheaper Madison, WI car insurance companies.

As shown in the table above, if you have coverage with Erie and switched to USAA, you could see an annual premium reduction of about $119. Wisconsin drivers with Rockford Mutual could save as much as $148 a year, and Nationwide policyholders might realize rate reductions of up to $154 a year.

To see if you’re overpaying, click here to start your free quote or quote prices from the following companies.

Understand that those policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for single moms. So the insurer that fits your needs best may not even be in the list above. That illustrates why you need to get car insurance quotes using your own driver information and specific vehicle type.

One of the many things that aid in calculating the amount you pay for auto insurance is where you live. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.

The table below rates the most expensive areas in Wisconsin for single moms to buy an auto insurance policy in. Madison ranks #16 costing $1,030 for the average policyholder, which is about $86 per month.

Car insurance prices in Madison
Rank City Annual Premium
1 Milwaukee $1,354
2 Wauwatosa $1,319
3 West Allis $1,234
4 Kenosha $1,218
5 Racine $1,193
6 Greenfield $1,168
7 Oak Creek $1,166
8 Beloit $1,130
9 Franklin $1,117
10 Eau Claire $1,059
11 New Berlin $1,049
12 Wausau $1,037
13 Menomonee Falls $1,037
14 Brookfield $1,035
15 La Crosse $1,033
16 Madison $1,030
17 Waukesha $1,023
18 Janesville $1,022
19 Manitowoc $997
20 Fond du Lac $995
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Premium amounts are approximated as specific Madison garaging address can alter premiums substantially.

The example below highlights how deductible choice can influence insurance rates when getting quotes for cheap insurance for single moms. The premiums assume a single female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 40-year-old driver could pocket $246 a year by increasing from a $100 deductible up to a $500 deductible, or save $370 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could drop their prices up to $632 or even more by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it’s a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Discount Madison auto insurance

Discounts on car insurance for single momsInsurers that provide coverage for single moms may also offer special discounts that could lower prices by as much as 35% or more if you are eligible. A few popular companies and some of the discounts are:

The diagram below illustrates the comparison of yearly insurance costs with and without discounts. The information is based on a female driver, no claims or violations, Wisconsin state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, defensive driving course, safe-driver, passive restraint, multiple vehicle, and marriage discounts applied. With discounts applied, the average amount saved each year on car insurance for single moms is 28% or $257.

Ending up with the right insurer is hard considering how many companies sell insurance in Wisconsin. The rank data below can help you decide which companies you want to consider comparing rate quotes with. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Madison Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. Liberty Mutual
  6. State Farm
  7. Allstate
  8. Safeco Insurance
  9. Travelers
  10. 21st Century

Top 10 Large Auto Insurance Companies in Madison Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Last year’s bargain might be this year’s rip off

Madison, WI car insurance rates are based on many factors that will increase or decrease the price you have to pay. Getting older, buying another vehicle, or getting a speeding ticket can trigger rate changes that can make some companies affordable when they were higher priced.

In addition to those changes, insurers change the rates they charge in Wisconsin as often as every three months in order to maintain liquidity for claims. Heavy losses can cause high rates, while a better claims history can result in cheaper Madison car insurance rates.

To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Madison, WI for a 30-year-old male driver with a good driving record, no prior claims, and great credit. If we look at prices based on his current rating profile, USAA quotes the most affordable car insurance rates in Madison at $672 a year. This is $489 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are also on the list of the most affordable Madison, WI auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example an accident claim, a lower credit rating, and a stop sign violation. Since every insurance provider uses their own method to set their prices, comparing insurance quotes may now show a different list of the cheapest Madison car insurance companies as shown below.

Pekin Insurance now has the best price on car insurance in Madison with Western National, Integrity Mutual, Travelers, and Partners Mutual completing the list. This shows why it is so important to take the time to shop around to find cheap car insurance rates for single moms.

Car insurance prices are influenced by many things and can change without notice, so the cheapest rate a year ago may now be one of the more expensive options.