Car Insurance for Good Drivers in Wisconsin

The Zebra
July 15, 2019

Car insurance for good drivers in Wisconsin

Some of the factors contributing to car insurance rates are out of your hands, including your age, location, and gender. There are, however, factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score solid, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

Looking for car insurance as a low-risk driver in Wisconsin? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Wisconsin

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Car insurance companies view good drivers as less risky customers and assign them more affordable rates. Staying on the good side of the law is a great way to cut your costs.

If you’ve steered clear of violations in recent years, start your insurance search with Partners Mutual Insurance Co, with average annual premiums totaling $713. That totals $357less than the average car insurance rate for drivers without driving violations in Wisconsin.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN WISCONSIN
Insurance CompanyAvg. Annual Auto Insurance Rate
Partners Mutual Insurance Co$713
SECURA Insurance$772
USAA$780
Integrity Mutual Ins Co$870
State Farm$898
Rockford Mutual Insurance$907
Pekin Insurance$934
General Casualty$989

Car insurance rates for drivers with high credit scores in Wisconsin

Car insurance companies reward clients who maintain a solid credit history. If your credit history is solid, you could earn a price break on your next insurance policy.

If your credit score is “good,” your best option for car insurance might be Partners Mutual Insurance Co, offering average rates of $713. If your credit score is in the “excellent” range, Partners Mutual Insurance Co could be a good company with which to start your search. Partners Mutual Insurance Co's prices for drivers with credit scores of 800 and up are $280 per year less than the typical car insurance rate for drivers with excellent credit in Wisconsin.

Find below a breakdown of auto insurance rates in Wisconsin for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN WISCONSIN
Insurance CompanyAvg. Annual Auto Insurance Rate
Partners Mutual Insurance Co$713
SECURA Insurance$772
USAA$780
Integrity Mutual Ins Co$870
State Farm$898
Rockford Mutual Insurance$907
Pekin Insurance$934
General Casualty$989

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN WISCONSIN
Insurance CompanyAvg. Annual Auto Insurance Rate
Partners Mutual Insurance Co$672
SECURA Insurance$715
USAA$729
State Farm$786
Integrity Mutual Ins Co$808
Pekin Insurance$835
Rockford Mutual Insurance$886
Western National$922

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN WISCONSIN
Insurance CompanyAvg. Annual Auto Insurance Rate
Partners Mutual Insurance Co$615
USAA$660
SECURA Insurance$671
State Farm$688
Western National$704
Pekin Insurance$742
Integrity Mutual Ins Co$780
West Bend Mutual$817

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Car insurance for low-mileage drivers in Wisconsin

The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you could save some money on auto insurance each month. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Wisconsin resident who doesn't rack up major mileage, consider USAA, offering average annual savings of $377 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN WISCONSIN
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$693
Partners Mutual Insurance Co$713
SECURA Insurance$749
Pekin Insurance$752
State Farm$809
Integrity Mutual Ins Co$870
Rockford Mutual Insurance$907
General Casualty$989

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Rates for good drivers in Wisconsin — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Car insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Milwaukee$1,389$1,389$1,282$1,152$1,233
Madison$974$974$902$814$893
Appleton$878$878$812$734$825
Green Bay$879$879$814$735$814
Kenosha$1,094$1,094$1,012$911$1,012

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