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Get Cheap Car Insurance in Midvale Heights, Madison, WI

We monitor insurance prices, helping the average driver in Midvale Heights save up to 27.7% on car insurance.

 

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The Cheapest Minimum Coverage in Midvale Heights

The chart below shows the cheapest car insurance company in Midvale Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by American Family Insurance, Erie Insurance, and Kemper.

 
Midvale Heights Insurer Monthly Cost
State Farm $41
American Family Insurance $43
Erie Insurance $44
Kemper $45

Savings for Every Kind of Midvale Heights Driver

The table shows how much the average auto insurance customer in Midvale Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Midvale Heights driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $215 per year by choosing the right vehicle insurance company. Some Midvale Heights residents are paying out over $1,158 extra every year for auto insurance in Midvale Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Midvale Heights, Madison, WI Savings / Yr.
Drivers with good records
$215
Drivers with accidents
$443
Drivers with speeding tickets
$274
Drivers with a DUI conviction
$397
Young drivers
$919
Married drivers
$167
Drivers with bad credit
$632

Midvale Heights Car Insurance vs. Madison

People living in Midvale Heights pay an average of 1.38% more than the typical driver in the state. The average driver in Midvale Heights can expect to pay about $583 per year, or $1,158 for full coverage.

Based on our analysis, West Bend will be the cheapest provider in Midvale Heights for most people.

Car Insurance Prices by Midvale Heights Neighborhood

Midvale Heights, Madison, WI map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Midvale Heights?

The map shows insurance prices in and around Midvale Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $51 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,175 to a low of $1,124. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Midvale Heights.

Pick the Best Car Insurance Company for You in Midvale Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Midvale Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Midvale Heights

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $215 over the average Midvale Heights car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Midvale Heights. State Farm, Geico, and West Bend are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Midvale Heights drivers with accidents on their records

In Midvale Heights getting into an accident will raise premiums an average 34% for a yearly cost of $1,747. That's $589 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Erie Insurance, and Novo are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $443 over the competition.

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The best car insurance company for Midvale Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $274 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Midvale Heights, tickets raise premiums on new quotes about $322. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,480 per year.

The best auto insurance for Midvale Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,789 per year in auto insurance premiums, which was $632 more than a driver with no major issues. State Farm, Progressive, and Clearcover penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $397 less each year.

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The least expensive car insurance company for new and young drivers in Midvale Heights

In Midvale Heights, Erie Insurance costs young drivers $919 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Midvale Heights. With an average cost of $3,697 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Erie Insurance, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Midvale Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $68. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Midvale Heights.

Progressive gave the largest car insurance discounts to married couples, averaging $167 saved each year compared to an average Midvale Heights couple's premiums.

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The cheapest car insurance in Midvale Heights for drivers with bad credit

People with poor credit saved an average of $632 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,120 every year. Premiums for people with poor credit were about $2,278 in Midvale Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Clearcover.

The best Midvale Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Midvale Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Midvale Heights.

Nationwide was the best company for customer service in Midvale Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Midvale Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Midvale Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Midvale Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Midvale Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Midvale Heights driver can expect to pay about $80 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Midvale Heights, USAA has the best prices for good drivers, drivers with bad credit, drivers with a DUI conviction, young drivers, drivers with accidents, married couples, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Midvale Heights

What Influences the Cost of Car Insurance in Midvale Heights?

On average, car insurance in Midvale Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Midvale Heights is 23 minutes, which is a little less than average for a driver in the city.
  • Wisconsin state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Midvale Heights are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Midvale Heights is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Midvale Heights is $49 per month for minimum coverage and $96 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Midvale Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Midvale Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.