What Car Insurance is Cheapest for Good Drivers in Madison?

The vehicle model driven is one of the largest considerations when shopping around for cheaper coverage for good drivers. Vehicles with higher performance characteristics, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The next list shows coverage costs for a handful of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Madison, WI
Vehicle Estimated Cost for Full Coverage
Jeep Wrangler Sport Islander Package 4WD 2-Dr $968
Honda CR-V EX 2WD $989
Volkswagen Jetta S 4-Dr Sedan $1,041
Toyota Tacoma Double Cab 4WD $1,064
Toyota Prius $1,069
Ford Escape Limited 4WD $1,078
Toyota Camry SE $1,096
Nissan Altima 2.5 S 4-Dr Sedan $1,106
Ford Focus SE 4-Dr Sedan $1,112
Hyundai Sonata GLS 4-Dr Sedan $1,115
GMC Sierra SLT Extended Cab 4WD $1,119
Dodge Grand Caravan Hero $1,135
Chevrolet Impala LT $1,140
Chevrolet Equinox LS 2WD $1,135
Dodge Ram Quad Cab SLT 2WD $1,138
Ford Edge Limited 2WD $1,140
Honda Civic GX 4-Dr Sedan $1,151
Ford Fusion S 4-Dr Sedan $1,165
Chevrolet Silverado LS Extended Cab 4WD $1,170
Toyota RAV4 Limited 4WD $1,165
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates noticeably.

Looking at the data, models like the Jeep Wrangler, Honda CR-V, Volkswagen Jetta, and Toyota Tacoma are going to be some of the cheapest vehicles to insure for safe drivers.

Buying cost effective car insurance is not easy, and deciding which company quotes the cheapest car insurance rates for good drivers will take even more diligence. Every insurance company has a different process for determining rates in each state, so first we will examine the car insurance companies with the most affordable rates in Wisconsin.

It’s important that readers know that Madison car insurance rates are influenced by many factors which can substantially change the price you have to pay for coverage. Simply improving your credit score, having a teen driver, or getting caught speeding may prompt premium changes that can now make some companies cheaper than competitors.

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Cheapest insurance companies in Wisconsin
Rank Company Cost Per Year
1 USAA $586
2 Partners Mutual $632
3 Rockford Mutual $724
4 Erie $724
5 Nationwide $752
6 Integrity Mutual $770
7 Rural Mutual Insurance $772
8 Pekin Insurance $775
9 Travelers $796
10 Western National $801
11 West Bend Mutual $899
12 State Farm $932
13 The Hartford $940
14 General Casualty $954
15 Auto Club Group $977
16 Auto-Owners $1,114
17 Progressive $1,118
18 American Family $1,137
19 Farmers $1,165
20 GEICO $1,226
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USAA generally has some of the lowest car insurance rates in Madison at around $586 annually. Partners Mutual, Rockford Mutual, Erie, and Nationwide are also some of the more affordable Madison, WI insurance companies.

As illustrated above, if you currently have coverage with Partners Mutual and switched to USAA, you might realize annual savings of upwards of $46. Drivers with Rockford Mutual could save as much as $138 a year, and Erie customers might lower prices by $138 a year.

If you want to see how much you could save, click here to get quotes or visit any of the low-priced companies below.

Be aware that those estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for good drivers. So the car insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own individual information.

The information below demonstrates how choosing different deductibles can change insurance rates when trying to find cheap insurance for good drivers. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower rates by $216 a year by changing from a $100 deductible up to a $500 deductible, or save $328 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could shave up to $466 annually just by choosing higher deductibles.

If you do make the decision to raise your deductibles, it will be important to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Careless driving habits raise car insurance rates

The common sense way to receive the cheapest car insurance premiums in Madison for safe drivers is to drive safely and avoid accidents and traffic violations. The information below highlights how speeding tickets and at-fault accidents can raise car insurance costs for different categories of driver ages. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

The data above shows the average cost of a car insurance policy in Wisconsin per year with no violations or accidents is $1,384. Get one speeding ticket and the average cost swells to $1,570, an increase of $186 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for good drivers jumps again to an average of $3,241. That’s an increase of $1,857, or $155 per month, just for not driving carefully!

Discount Madison auto insurance rates

Cheaper Madison, WI car insurance for safe driversCar insurance companies that offer cheap quotes for good drivers may also provide price discounts that may potentially lower prices by as much as 30% if you meet eligibility requirements. Companies and some of the premium reductions they offer can be found below.

The chart below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no claims, Wisconsin state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, multiple policy, marriage, accident-free, homeowner, and passive restraint discounts applied. In this example, theaverage amount saved on car insurance for good drivers is 28% or $344.

The auto insurance agents in Madison shown below can answer your questions and help you decide which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to get some professional advice when comparing insurance rates for safe drivers. It can be complicated to find the cheapest rate yourself, and a professional agent can provide peace of mind knowing your coverage gives you decent coverage if you have a claim.

To find an agent close to where you live, click the button link following the list.

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

Above and Beyond Insurance
6601 Grand Teton Plaza #7Madison, WI 53719(608) 203-8666

Universal Insurance Agency Corporation
6709 Raymond RdMadison, WI 53719(608) 216-7060

R and S Insurance
1520 Vernon StMadison, WI 53703(608) 251-0022

View map of Madison, WI insurance agents

How to find cheaper auto insurance for good drivers

Here are a few thrifty suggestions that can help Madison drivers find cheaper car insurance.

The last item on the list is certainly necessary, as was affirmed in this piece. Car insurance rates in Madison change frequently, so drivers shouldn’t hesitate to buy a different policy if a lower price can be found.

We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for good drivers.