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Get Cheap Car Insurance in Schenk-Atwood-Starkweather-Yahar, Madison, WI

We monitor insurance prices, helping the average driver in Schenk-Atwood-Starkweather-Yahar save up to 27.7% on car insurance.

 

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The Cheapest Minimum Coverage in Schenk-Atwood-Starkweather-Yahar

The chart below shows the cheapest car insurance company in Schenk-Atwood-Starkweather-Yahar 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.

 
Schenk-Atwood-Starkweather-Yahar Insurer Monthly Cost
State Farm $44
American Family Insurance $46
Erie Insurance $46
Kemper $48

Savings for Every Kind of Schenk-Atwood-Starkweather-Yahar Driver

The table shows how much the average auto insurance customer in Schenk-Atwood-Starkweather-Yahar might save by following our recommendations.

Based on our extensive insurance data, we know the average Schenk-Atwood-Starkweather-Yahar 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 $228 per year by choosing the right vehicle insurance company. Some Schenk-Atwood-Starkweather-Yahar residents are paying out over $1,230 extra every year for auto insurance in Schenk-Atwood-Starkweather-Yahar. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Schenk-Atwood-Starkweather-Yahar, Madison, WI Savings / Yr.
Drivers with good records
$228
Drivers with accidents
$471
Drivers with speeding tickets
$291
Drivers with a DUI conviction
$422
Young drivers
$977
Married drivers
$178
Drivers with bad credit
$671

Schenk-Atwood-Starkweather-Yahar Car Insurance vs. Madison

People living in Schenk-Atwood-Starkweather-Yahar pay an average of 7.71% more than the typical driver in the state. The average driver in Schenk-Atwood-Starkweather-Yahar can expect to pay about $619 per year, or $1,230 for full coverage.

Based on our analysis, West Bend will be the cheapest provider in Schenk-Atwood-Starkweather-Yahar for most people.

Car Insurance Prices by Schenk-Atwood-Starkweather-Yahar Neighborhood

Schenk-Atwood-Starkweather-Yahar, Madison, WI map of insurance costs by zip code and neighborhood

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Where is insurance cheapest within Schenk-Atwood-Starkweather-Yahar?

The map shows insurance prices in and around Schenk-Atwood-Starkweather-Yahar, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $126 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,255 to a low of $1,129. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Schenk-Atwood-Starkweather-Yahar.

Pick the Best Car Insurance Company for You in Schenk-Atwood-Starkweather-Yahar

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 Schenk-Atwood-Starkweather-Yahar insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Schenk-Atwood-Starkweather-Yahar

For drivers with clean driving records and no major strikes, West Bend is the best option, with annual savings of $228 over the average Schenk-Atwood-Starkweather-Yahar car insurance company.

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We use the average good driver, paying $84 per month, as our baseline for pricing in Schenk-Atwood-Starkweather-Yahar. 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 Schenk-Atwood-Starkweather-Yahar drivers with accidents on their records

In Schenk-Atwood-Starkweather-Yahar getting into an accident will raise premiums an average 34% for a yearly cost of $1,856. That's $626 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 $471 over the competition.

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The best car insurance company for Schenk-Atwood-Starkweather-Yahar drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $291 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 Schenk-Atwood-Starkweather-Yahar, tickets raise premiums on new quotes about $343. If you have a speeding ticket, we recommend State Farm, Erie Insurance, and Novo for savings that beat the average insurance cost of $1,573 per year.

The best auto insurance for Schenk-Atwood-Starkweather-Yahar drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,901 per year in auto insurance premiums, which was $671 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 $422 less each year.

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The least expensive car insurance company for new and young drivers in Schenk-Atwood-Starkweather-Yahar

In Schenk-Atwood-Starkweather-Yahar, Erie Insurance costs young drivers $977 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 Schenk-Atwood-Starkweather-Yahar. With an average cost of $3,928 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 Schenk-Atwood-Starkweather-Yahar

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $72. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Schenk-Atwood-Starkweather-Yahar.

Progressive gave the largest car insurance discounts to married couples, averaging $178 saved each year compared to an average Schenk-Atwood-Starkweather-Yahar couple's premiums.

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The cheapest car insurance in Schenk-Atwood-Starkweather-Yahar for drivers with bad credit

People with poor credit saved an average of $671 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,190 every year. Premiums for people with poor credit were about $2,420 in Schenk-Atwood-Starkweather-Yahar. 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 Schenk-Atwood-Starkweather-Yahar car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Schenk-Atwood-Starkweather-Yahar, 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 Schenk-Atwood-Starkweather-Yahar.

Nationwide was the best company for customer service in Schenk-Atwood-Starkweather-Yahar 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 Schenk-Atwood-Starkweather-Yahar, 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 Schenk-Atwood-Starkweather-Yahar. 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 Schenk-Atwood-Starkweather-Yahar

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 44% of Schenk-Atwood-Starkweather-Yahar 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 Schenk-Atwood-Starkweather-Yahar 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 Schenk-Atwood-Starkweather-Yahar, 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 Schenk-Atwood-Starkweather-Yahar

What Influences the Cost of Car Insurance in Schenk-Atwood-Starkweather-Yahar?

On average, car insurance in Schenk-Atwood-Starkweather-Yahar 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 Schenk-Atwood-Starkweather-Yahar is 29 minutes, which is far more than average for a driver in the city.
  • Wisconsin state insurance regulations may allow for lower prices.
  • An average of 17 to 18 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Schenk-Atwood-Starkweather-Yahar are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Schenk-Atwood-Starkweather-Yahar is a fairly densely populated area 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 Schenk-Atwood-Starkweather-Yahar is $52 per month for minimum coverage and $103 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 Schenk-Atwood-Starkweather-Yahar driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Schenk-Atwood-Starkweather-Yahar 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.