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.
| 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.
| 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
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Erie Insurance – A+
- Progressive – A+
- Allstate – A+
Top 10 Large Auto Insurance Companies in Madison Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 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.
- The Curtis Agency
2929 Atwood Ave – Madison, WI 53704 – (608) 250-2501 - Gehrke Insurance
1310 Mendota St # 108 – Madison, WI 53714 – (608) 241-4136 - American Family Insurance – Yolanda Grajales-Sutter
7878 Big Sky Dr Ste I – Madison, WI 53719 – (608) 826-4518