What Car Insurance is Cheapest for Felons in Madison?

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The type of vehicle you are seeking coverage for is probably the biggest factor when trying to find cheap auto insurance for felons. Vehicles with economical engines, modern passenger safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models. The table below illustrates auto insurance premiums for a number of the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Madison, WI
Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $899
Ford Escape XLS 4WD $925
Honda CR-V LX 4WD $931
Nissan Altima 2.5 4-Dr Sedan $979
Toyota Prius $1,008
Ford F-150 XLT Crew Cab 2WD $1,039
Ford Edge SE AWD $1,043
Volkswagen Jetta SEL 4-Dr Sedan $1,050
GMC Sierra SLE Regular Cab 4WD $1,059
Kia Optima LX $1,050
Chevrolet Impala LT $1,068
Jeep Grand Cherokee Laredo 4WD $1,073
Toyota RAV4 Limited 4WD $1,068
Chevrolet Malibu Hybrid $1,077
Dodge Grand Caravan Hero $1,068
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can lower or raise rates noticeably.

Looking at the numbers, we can expect cars like the Honda Accord, Ford Escape, Honda CR-V, Nissan Altima, and Toyota Prius should be some of the less-costly vehicles to insure for felons.

For felons, one of the largest criteria that aid in calculating the amount you pay for auto insurance is where your residence is. More populated areas will most likely have higher rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The table below shows the priciest cities in Wisconsin for felons in which to purchase auto insurance. Madison ranks #10 with an annual cost of $1,072 for coverage, which is about $89 each month.

Car insurance prices in Madison
Rank City Average Per Year
1 Milwaukee $1,396
2 Wauwatosa $1,359
3 Kenosha $1,218
4 West Allis $1,198
5 Racine $1,193
6 Oak Creek $1,190
7 Greenfield $1,168
8 Beloit $1,164
9 Franklin $1,117
10 Madison $1,072
11 Brookfield $1,067
12 New Berlin $1,060
13 Eau Claire $1,059
14 Wausau $1,047
15 Waukesha $1,034
16 Menomonee Falls $1,026
17 La Crosse $1,022
18 Janesville $1,011
19 West Bend $1,007
20 Fond du Lac $995
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Rate quotes are comparative as the specific garaging location can decrease or increase rates considerably.

Safe drivers pay less for auto insurance

The easiest way to get the best auto insurance rates in Wisconsin for felons is to drive carefully and avoid accidents and keep your driving record clean. The information below highlights how speeding tickets and at-fault claims can affect insurance costs for different age groups. The information is based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance per year with no violations or accidents is $1,382. Factor in one speeding ticket and the average cost swells to $1,587, an increase of $205 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for felons goes up to an average of $2,169. That's an increase of $786, or $66 per month, just for being a little careless behind the wheel!

The information below illustrates how your deductible choice can change annual premium costs when getting quotes for cheap insurance for felons. The data assumes a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could reduce rates by $160 a year by changing from a $100 deductible to a $500 deductible, or save $242 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save up to $536 or even more just by choosing larger deductibles.

If you do decide to increase your deductibles, it will be necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Compare rates to save

Wisconsin auto insurance rates are based on many factors that will increase or decrease the policy premium. Improving your credit score, buying higher coverage limits, or having a fender bender may prompt premium changes resulting in some companies being cheaper than competitors. Additionally, insurance companies amend premium rates without warning in order to be able to pay unexpected claims. Heavier than normal losses can cause price increases, while a better loss history can cause lower-cost Madison car insurance rates.

For example, the data below shows which companies have the cheapest car insurance in Madison, WI for a 40-year-old female driver with a clean driving record, no accidents, and good credit. If we estimate prices based on her current risk profile, USAA might offer the most affordable car insurance rates in Madison at $672 per year. This is $489 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rural Mutual Insurance, and Pekin Insurance also make the list of the best Madison, WI auto insurance companies.

The chart below compares rates after we give the driver in the first chart an at-fault accident, a lower credit rating, and a few traffic violations. Due to the fact that each insurance company has a different process for determining prices, getting updated rate quotes will most likely result in a new list of affordable Madison car insurance companies as shown below.

Western National now has the best car insurance rate in Madison, WI with Integrity Mutual, Nationwide, Travelers, and Partners Mutual completing the list. This example demonstrates why it is crucial to compare as many rates as possible when trying to find the lowest auto insurance rates for felons. Auto insurance prices are determined by many different factors and can change substantially, so the cheapest company the last time you checked may now not even be in the top five.