What Insurance is Cheapest for Immigrants in Madison?

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The vehicle that needs insurance is one of the primary factors when quoting low-cost insurance for immigrants. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The next list estimates car insurance costs for the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Madison, WI
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,009
Hyundai Elantra GLS Touring Station Wagon $1,017
Ford F-150 XL Super Cab 2WD $1,107
Toyota Tacoma 4WD $1,130
Ford Escape XLT 2WD $1,153
Honda Accord LX 4-Dr Sedan $1,158
Ford Focus S 4-Dr Sedan $1,169
GMC Sierra SL Extended Cab 2WD $1,192
Chevrolet Impala LT $1,197
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,235
Toyota Prius $1,274
Chevrolet Equinox LTZ AWD $1,276
Hyundai Sonata GLS 4-Dr Sedan $1,278
GMC Sierra 3500HD SLE Crew Cab 2WD $1,299
Nissan Rogue SL AWD $1,340
Chevrolet Malibu Hybrid $1,365
Ford Explorer XLT AWD $1,385
Ford Edge SEL 2WD $1,433
Toyota Camry SE $1,438
Toyota Corolla XLE $1,445
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD $1,447
Dodge Grand Caravan Hero $1,463
Honda Odyssey Touring $1,472
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in your specific Madison, WI location which can revise rates considerably.

Looking at the numbers, we can conclude that models like the Honda CR-V, Hyundai Elantra, and Ford F-150 should be a few of the most economical vehicles to insure for foreigners.

For foreigners, one of the big criteria that determine the amount you pay each year for auto insurance is where you keep your car in Madison. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The illustration below rates the most expensive places in Wisconsin for immigrants to purchase car insurance in. Madison is ranked at #17 with an annual premium of $1,030 for the average policyholder, which is around $86 per month.

How much is car insurance in Madison?
Rank City Annual Premium
1 Milwaukee $1,368
2 Wauwatosa $1,319
3 Racine $1,217
4 West Allis $1,210
5 Greenfield $1,192
6 Kenosha $1,182
7 Franklin $1,163
8 Oak Creek $1,154
9 Beloit $1,152
10 Eau Claire $1,091
11 Menomonee Falls $1,068
12 Waukesha $1,065
13 La Crosse $1,064
14 New Berlin $1,060
15 Wausau $1,047
16 Brookfield $1,045
17 Madison $1,030
18 Janesville $1,011
19 Manitowoc $997
20 Fond du Lac $995
21 West Bend $987
22 Oshkosh $980
23 Green Bay $969
24 Appleton $964
25 Sheboygan $953
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Price information shown is comparative as the vehicle garaging location can revise coverage rates substantially.

Finding good, low-priced auto insurance is confusing at best, and deciding which companies offer the cheapest insurance rates for immigrants takes even more perseverance. Each company has their own unique process for determining prices, so first we will examine the most competitive insurance companies in Madison, WI.

It's important to know that Wisconsin insurance rates are impacted by many things that control the cost of having a policy. Simply improving your credit, adding a teenager to your policy, or having an at-fault accident can trigger changes in premium that can make some companies more expensive than others.

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Who has the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $580
2 Partners Mutual $626
3 Erie $717
4 Rockford Mutual $724
5 Rural Mutual Insurance $749
6 Integrity Mutual $762
7 Pekin Insurance $768
8 Nationwide $775
9 Western National $777
10 Travelers $796
11 West Bend Mutual $890
12 The Hartford $922
13 State Farm $932
14 General Casualty $954
15 Auto Club Group $968
16 Auto-Owners $1,114
17 Farmers $1,130
18 Progressive $1,152
19 American Family $1,159
20 GEICO $1,238
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USAA normally has some of the lowest car insurance rates in Madison at around $580 per year. This is $581 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also rank well as some of the cheapest Madison, WI auto insurance companies.

As the example above demonstrates, if you have coverage with Rural Mutual Insurance and switched to Partners Mutual, you might see an annual savings of around $123. Drivers with Integrity Mutual might save as much as $136 a year, and Pekin Insurance insureds might lower prices by up to $142 a year.

Understand that those prices are averages across all drivers and vehicles and do not take into consideration an exact zip code location for immigrants. So the insurer that has the lowest price for you may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.

Selecting a highly-rated insurer can be rather challenging considering how many companies there are to choose from in Wisconsin. The ranking information below can help you decide which car insurance companies you want to consider when shopping insurance around for immigrants.

These rankings are only made up of companies with a national presence, so smaller regional companies are not factored into these rankings. To compare prices from these and other companies in Wisconsin, click this link.

Best Insurance Companies for Immigrants in Wisconsin
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
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how choosing a deductible can change yearly insurance costs when trying to find cheap insurance for immigrants. The costs are based on a married female driver, comp and collision included, and no policy discounts are applied.

In the chart above, a 40-year-old driver could pocket $158 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $238 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save $390 or more just by choosing higher deductibles when buying full coverage. When raising deductibles, it will be required to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find economical car insurance for immigrants

Here are some penny-pinching ideas that can help Madison drivers locate cheaper coverage.

The final tip is notably critical, as we stressed in this piece. Rates change a lot, so don't be afraid to buy a different policy if a better rate can be found.

Sticking with a specific company is fine, but it isn't a good idea if that loyalty results in overpaying a fortune every year. Now is a great time to shop around to find cheaper auto insurance for immigrants in Madison.

If you wish to have some professional guidance when trying to find lower insurance rates for foreigners, the insurance agencies listed below can probably help you make a decision which coverage meets your needs best. To find a Madison insurance agent using an interactive map, click the button following the list.

Cheng Vang - State Farm Insurance Agent
2110 N Sherman Ave - Madison, WI 53704 - (608) 661-5700

Steve Aune Agency, Inc. American Family Insurance
658 S Gammon Rd #202 - Madison, WI 53719 - (608) 274-9702

Dairyland Auto Insurance
1800 Deming Way - Madison, WI 53717 - (608) 836-3000

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