Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Madison?

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After a few driving violations, one of the largest criteria that are looked at to help calculate the amount you pay each year for auto insurance is where you call home. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with less people or fewer weather incidents benefit from lower rates.

The illustration below shows the highest-priced places in Wisconsin with multiple speeding tickets to buy car insurance in. Madison comes in at #12 with the yearly price of $1,062 on average, which is about $89 monthly.

How much does auto insurance cost in Madison?
Rank City Premium Per Year
1 Milwaukee $1,396
2 Wauwatosa $1,345
3 West Allis $1,234
4 Racine $1,217
5 Greenfield $1,204
6 Kenosha $1,182
7 Oak Creek $1,154
8 Beloit $1,152
9 Franklin $1,117
10 Wausau $1,069
11 La Crosse $1,064
12 Madison $1,062
13 New Berlin $1,060
14 Menomonee Falls $1,057
15 Waukesha $1,054
16 Eau Claire $1,049
17 Janesville $1,042
18 Brookfield $1,035
19 West Bend $1,017
20 Fond du Lac $995
21 Manitowoc $967
22 Green Bay $960
23 Sheboygan $953
24 Oshkosh $951
25 Appleton $926
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Rates are comparative as specific Madison garaging address can alter premiums substantially.

The car, truck, or SUV to be insured is one of the main factors that determines the availability of affordable car insurance with multiple speeding tickets. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The next table showcases insurance costs for a handful of the cheapest vehicles to insure in Wisconsin.

Cheapest Vehicles to Insure in Madison, WI
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,402
Honda Accord LX-P 4-Dr Sedan $1,589
Chevrolet Impala LT $1,622
Toyota RAV4 4WD $1,629
Ford Escape XLT 4WD $1,627
Jeep Wrangler Rubicon 4WD 2-Dr $1,693
Toyota Camry SE $1,711
Honda Odyssey EX-L W/Navigation $1,718
Hyundai Sonata GLS 4-Dr Sedan $1,738
Nissan Rogue SL 2WD $1,748
Ford Edge SE 2WD $1,740
Ford F-150 STX Super Cab 2WD $1,750
Jeep Grand Cherokee SRT-8 4WD $1,742
GMC Sierra SLE Crew Cab 4WD $1,751
Toyota Prius $1,769
Toyota Tacoma Double Cab 4WD $1,791
Chevrolet Malibu LT $1,824
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Cost estimates assume single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle location which can decrease or increase premiums significantly.

Looking at the numbers, we can presume that vehicles like the Honda CR-V, Honda Accord, Chevrolet Impala, and Toyota RAV4 will definitely be a few of the cheaper vehicles to insure after a few driving violations.

Buying coverage from a good quality car insurance provider can be challenging considering how many companies provide coverage in Wisconsin. The company information in the next section could help you decide which companies you want to consider purchasing coverage from.

These rankings are for large nationwide companies, so smaller companies are not included in this list. To compare rates from these top insurers and more, click here.

Top 10 Large Auto Insurance Companies in Madison Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Nationwide - A+
  6. Esurance - A+
  7. The Hartford - A+
  8. Erie Insurance - A+
  9. Progressive - A+
  10. Allstate - A+

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

Responsible drivers pay cheaper auto insurance rates

The obvious way to find good auto insurance prices in Madison after a few driving violations is to be a careful driver and avoid traffic citations and accidents. The diagram below illustrates how violations and at-fault accidents can increase auto insurance costs for different age groups. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of auto insurance in Madison per year with a clean driving record and no accidents is $1,246. Get two speeding tickets and the average cost increases to $1,772, an increase of $526 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance with multiple speeding tickets jumps again to an average of $3,728. That's an increase of $2,482, or $207 per month, just for not paying attention while driving!

The chart below highlights how deductible selection can affect insurance costs when quoting cheap insurance with multiple speeding tickets. The costs are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could save $158 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $238 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could potentially save as much as $390 annually just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it will be required to have emergency funds available to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

The Madison car insurance agencies listed below can answer your questions and help you decide which coverage meets your needs best, since some people have coverage questions and would like to have some professional guidance when trying to find the best insurance rates with multiple speeding tickets. It can be complicated to find the best coverage on your own, and insurance agents can provide you satisfaction knowing you have adequate coverage if you have an accident or claim. To find a Madison insurance agent close to where you live, click the button link following the list or click here to compare price quotes.

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