Who Has the Cheapest Car Insurance Quotes for Postal Workers in Madison?

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Comparing rates for reasonably-priced auto insurance is not most people's favorite thing to do, and finding out which companies offer the lowest-priced auto insurance rates for postal workers takes even more perseverance. Each auto insurance company uses a slightly different approach to determine premium rates, so we'll take a look at the overall cheapest auto insurance companies in Wisconsin.

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Wisconsin car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $586
2 Partners Mutual $632
3 Erie $696
4 Pekin Insurance $745
5 Rural Mutual Insurance $749
6 Rockford Mutual $754
7 Nationwide $768
8 Integrity Mutual $770
9 Western National $801
10 Travelers $804
11 State Farm $923
12 General Casualty $926
13 West Bend Mutual $926
14 The Hartford $950
15 Auto Club Group $968
16 Progressive $1,118
17 American Family $1,159
18 Auto-Owners $1,160
19 Farmers $1,176
20 GEICO $1,238
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USAA quotes some of the cheapest car insurance rates in Madison at around $586 a year. Partners Mutual, Erie, Pekin Insurance, and Rural Mutual Insurance also make the cut as some of the best Madison, WI car insurance companies.

In this example, if you are currently insured with Pekin Insurance and switched to USAA, you may realize a yearly savings of roughly $159. Policyholders with Rural Mutual Insurance could save as much as $163 a year, and Rockford Mutual insureds might see rate reductions of $168 a year.

Remember that these policy rates are averages across all insureds and vehicles and and are not calculated with a specific location for postal workers. So the insurer that is best for you may not even be in the top 30 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.

The type of vehicle that needs insurance is one of the largest considerations that determines whether or not you find economical auto insurance for postal workers. Vehicles with economical engines, good crash test ratings, or low incidents of liability claims will cost less to insure than fast, unsafe models. The list below estimates auto insurance prices for a number of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Madison, WI
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $963
Toyota Prius $977
Ford Escape XLS 4WD $989
Honda Accord LX 4-Dr Sedan $996
Chevrolet Impala LS $1,021
Ford Edge SE AWD $1,026
Ford F-150 XLT Regular Cab 2WD $1,076
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,082
Ford Explorer Eddie Bauer 2WD $1,078
Honda Odyssey EX-L W/Navigation $1,096
Nissan Rogue S 2WD $1,115
Nissan Altima Hybrid 4-Dr Sedan $1,119
Ford Fusion S 4-Dr Sedan $1,135
Toyota RAV4 Limited 4WD $1,140
Chevrolet Equinox LT 2WD $1,135
Jeep Grand Cherokee Laredo 2WD $1,143
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,161
Volkswagen Jetta SE 2.5 Station Wagon $1,170
Honda Civic EX 4-Dr Sedan $1,172
Chevrolet Malibu LT $1,193
Dodge Grand Caravan SXT $1,203
Toyota Camry Hybrid $1,193
GMC Sierra Denali Crew Cab 2WD $1,195
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific location information which can increase or decrease coverage rates greatly.

Based on these rates, you can conclude that cars like the Honda CR-V, Toyota Prius, and Ford Escape are most likely going to be the most affordable vehicles to insure for postal employees.

How violations and accidents impact rates

In a perfect world, the ideal way to score cheap auto insurance rates in Wisconsin for postal employees is to drive cautiously and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and at-fault accidents can drive up insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of auto insurance in Madison per year with no accidents or violations is $1,343. Receive two speeding tickets and the average cost jumps to $1,780, an increase of $437 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for postal workers goes up to an average of $3,321. That's an increase of $1,977, or $165 per month, just for not keeping your driving record clean!

Full coverage versus liability only rates

Paying a lower price for auto insurance is important to most people, and a great way to find cheaper insurance for postal workers is to buy only liability coverage. The chart below shows the difference between annual premium costs with and without physical damage coverage. The data assumes no violations or accidents, $100 deductibles, single status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs an additional $1,327 per year more than insuring for liability only. Many people question if paying for full coverage is worth it. There isn't a steadfast formula to delete comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Ending up with a good quality auto insurance provider is hard considering how many choices there are in Madison. The ranking data listed below may help you analyze which car insurance companies to look at when comparing rate quotes. These ratings are only comprised of companies with a nationwide focus, so companies without a large exposure are not taken into consideration for this list.

Top 10 Major Car 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

Top 10 Major Car Insurance Companies in Madison Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Erie Insurance
  10. The Hartford

How to find more affordable car insurance for postal workers

The list below summarizes some of the recommended money-saving suggestions that can help drivers buy cheap car insurance.

The last idea is incredibly critical, as we pointed out in this piece. Prices charged by companies fluctuate constantly, so don't be afraid to buy a different policy if you find a cheaper price. Brand loyalty is great, but it's not recommended if that inflexibility results in costing you a lot of money. It only takes a couple minutes to compare rates and find cheaper auto insurance for postal workers in Madison.