Who Has the Cheapest Auto Insurance Rates for Teenage Females in Madison?

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Comparing rates for budget car insurance is not most people's favorite thing to do, and figuring out which company offers the cheapest car insurance rates for teenage females involves even more work.

Each auto insurer uses their own formula for determining rates, so let's rank the car insurance companies with the overall best prices in Wisconsin. It's important to understand that Wisconsin car insurance rates are calculated based on many things that can increase your annual premium. Simply turning a year older, buying a higher-value vehicle, or getting caught speeding can produce rate changes that can cause some rates to be more affordable than the competition.

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Who has the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $598
2 Partners Mutual $626
3 Erie $724
4 Nationwide $752
5 Rockford Mutual $754
6 Western National $769
7 Pekin Insurance $775
8 Rural Mutual Insurance $779
9 Integrity Mutual $786
10 Travelers $804
11 State Farm $896
12 West Bend Mutual $899
13 The Hartford $922
14 General Casualty $936
15 Auto Club Group $948
16 Progressive $1,130
17 American Family $1,137
18 Auto-Owners $1,160
19 Farmers $1,165
20 GEICO $1,238
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USAA normally has some of the lowest car insurance rates in Madison at around $598 annually. This is $563 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Nationwide, and Rockford Mutual also make the cut as some of the lowest-priced Madison, WI insurance companies.

In the rate table above, if you currently have a policy with Nationwide and switched to USAA, you could see yearly savings of roughly $154. Drivers with Rockford Mutual could save as much as $156 a year, and Western National customers might see rate reductions of $171 a year.

These policy rates are averaged across all insureds and vehicles and are not factoring in an exact location for teenage females. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

One of the more important criteria that determine the cost of insurance is where you live in Madison. More densely populated places tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The following table sorts the most expensive places in Wisconsin for teenage females to purchase car insurance in. Madison ranks #12 costing $1,072 on average, which is approximately $89 each month.

How much is car insurance in Madison?
Rank City Annual Premium
1 Milwaukee $1,410
2 Wauwatosa $1,345
3 West Allis $1,234
4 Kenosha $1,230
5 Racine $1,229
6 Greenfield $1,204
7 Oak Creek $1,190
8 Beloit $1,152
9 Franklin $1,117
10 Eau Claire $1,081
11 Wausau $1,079
12 Madison $1,072
13 Menomonee Falls $1,068
14 New Berlin $1,060
15 Brookfield $1,045
16 Janesville $1,042
17 La Crosse $1,033
18 Waukesha $1,023
19 West Bend $1,017
20 Fond du Lac $995
21 Sheboygan $963
22 Manitowoc $957
23 Oshkosh $951
24 Green Bay $931
25 Appleton $926
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Rates are approximated as the specific geographic location can lower or raise rates significantly.

The car, truck, or SUV you are seeking coverage for is one of the largest factors that determines the availability of low-priced insurance for teenage females. Vehicles with more horsepower, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The information below shows auto insurance premiums for a selection of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Madison, WI
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $3,584
Ford Escape Limited 4WD $3,806
Toyota Prius $3,840
Dodge Grand Caravan SE $3,987
Ford Explorer XLT AWD $3,995
Ford Focus S 4-Dr Sedan $4,173
Honda Civic DX 4-Dr Sedan $4,181
Chevrolet Impala LT $4,209
Ford Fusion S 4-Dr Sedan $4,218
Toyota Camry LE $4,209
Chevrolet Malibu Hybrid $4,217
Volkswagen Jetta S 4-Dr Sedan $4,209
Chevrolet Equinox LS AWD $4,216
Toyota RAV4 Sport 4WD $4,209
Ford F-150 FX2 2WD $4,242
Hyundai Elantra Blue 4-Dr Sedan $4,398
Ford Edge Limited AWD $4,434
Toyota Corolla XLE $4,444
Toyota Tacoma X-Runner 2WD $4,434
Honda Odyssey EX-L W/Rear Entertainment $4,443
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $4,467
GMC Sierra SLT Extended Cab 2WD $4,477
Jeep Grand Cherokee Limited 4WD $4,467
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific Madison, WI garaging location which can lower or raise coverage prices considerably.

Based on these rates, we can tell that models like the Honda CR-V, Ford Escape, Toyota Prius, and Dodge Grand Caravan are a few of the less-costly vehicles to insure for teen girls. The cost of a car insurance policy will be more expensive just because there is a higher risk for teenage females, but overall those particular vehicles will probably have the cheapest car insurance rates that you are likely to find.

The example below demonstrates how choosing different deductibles can impact insurance costs when getting quotes for cheap insurance for teenage females. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 40-year-old driver could pocket $256 a year by increasing from a $100 deductible up to a $500 deductible, or save $384 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, can cut $852 every year by choosing a larger deductible amount.

If you do decide to increase your deductibles, it's a good idea to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Types of discounts on Madison car insurance

Discounts on car insurance for teenage femalesInsurance companies that provide coverage for teenage females may have premium discounts that could reduce prices by 35% or more if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts are outlined below.

The diagram below shows the difference between car insurance rates with and without discounts applied to the policy rates. Data assumes a male driver, a clean driving record, no claims, 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 continuous coverage, vehicle safety, paperless filing, anti-theft, good student, and paid-in-full discounts applied. When discounts are applied, theaverage amount saved on car insurance for teenage females is 28% or $466.

Careless driving habits raise Madison car insurance rates

The obvious way to maintain the cheapest car insurance rates for teen girls is to drive carefully and avoid accidents and violations. The information below shows how violations and accidents drive up premium costs for each different age category. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $1,116. Get written up for one speeding ticket and the average cost swells to $1,301, an increase of $185 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for teenage females goes up to an average of $1,821. That's an increase of $705, or $59 per month, just for not being attentive to the road!