Milwaukee, WI Car Insurance
How much does car insurance cost in Milwaukee?
An average six-month car insurance policy in Milwaukee costs around $913, or roughly $152 per month. Our data for 2023 indicates that USAA is the least expensive car insurance provider in Milwaukee, with rates at $490 for a six-month policy. Nevertheless, keep in mind that USAA coverage isn't available to everyone. To discover other cost-effective choices if you're looking for vehicle insurance in Milwaukee, continue reading.
Milwaukee's inhabitants pay more than the Wisconsin average for auto insurance, which comes out to about $687 every six months. The average in the city is also higher than the national average of $742 every six months. In reality, 36% of our customers in Milwaukee feel that they are overpaying for their vehicle insurance. If you're paying too much or want to learn more about your auto coverage options, read on to discover what typical Milwaukee rates are like and how they're determined.
|Car Insurance in Milwaukee vs. Wisconsin||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Milwaukee
USAA takes the prize for the cheapest coverage at $82 per month or $490 for a six-month policy. Keep in mind that USAA coverage is for military members and their families, so you may not qualify for their auto insurance.
In second place is Integrity Mutual Insurance Company, offering auto insurance rates of just $95 per month ($572 for six months).
Finishing out as third-cheapest on our list is GEICO. A policy from GEICO in Milwaukee costs $616 per six-month policy, which is about $103 per month.
Are you paying too much for auto insurance?
Milwaukee car insurance rates by company
According to our data for 2023, the best cheap car insurance with full coverage in Milwaukee, Wisconsin, is USAA at $82 per month or $490 per six-month policy, while the second cheapest is Integrity Mutual at $95 per month or $572 for a six-month policy. Both offer a variety of options to meet your auto insurance needs, but remember that some companies may have eligibility requirements or differences in price based on your profile. Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Milwaukee, WI
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around to save on car insurance
To locate affordable car insurance that suits your requirements, it's advisable to compare and shop around for rates. Our comparison tools can do the heavy lifting for you, allowing you to concentrate on selecting the right coverage. Input your ZIP code to view rates from Progressive, Allstate, State Farm, and other top companies to find the best and most cost-effective car insurance in Milwaukee.
Average car insurance in Milwaukee by rating factor
Finding the right car insurance company can be challenging because you want it to cover the important stuff without breaking the bank.
Although most companies use similar rating factors, each one has its own way of doing things. For example, some companies may be more interested in your credit score, while others might focus more on your previous claims.
To make sure you keep getting the best rates possible, it's a good idea to get new quotes every six months to a year.
Q: I didn't have an accident — Why is my insurance going up?
A: End-of-year earnings, which assess the revenue generated by premiums compared to the cost of claims paid out to insured drivers, play a crucial role in determining the cost of car insurance in Milwaukee. Even if you have a perfect driving record, you may still end up paying more with certain insurers due to the rising costs of doing business in the city.
Auto insurance premiums by age in Milwaukee
Of the many factors that are taken into consideration when calculating rates, age is one of the most important. Insurance companies use data to determine how likely drivers are to get into accidents or make claims, and unfortunately, teen drivers have a higher accident rate than any other age group. As result they face the highest premiums: in Milwaukee, the difference between rates paid by teenage drivers versus those who are in their 20s can be as much as $3,848 per year.
Insurance companies aim to manage risk, and the cost of insuring a teenage driver can appear daunting or unjust. But keep in mind that teenagers are the highest risk drivers, and to balance out the amplified claims expenses, insurers charge them higher premiums.
Cheapest car insurance companies for teen drivers in Milwaukee, WI
Auto insurance premiums for minimum coverage in Milwaukee
The level of coverage you choose has a lot to do with your insurance rates. Our data indicate that 27% of Milwaukee drivers have the state minimum coverage. While drivers are only required to have a certain amount of coverage, if you only keep the bare minimum then you could potentially be underinsured in the event of a claim.
Your rates will rise if you add collision and comprehensive coverage, also called "full coverage," when bought together. Nevertheless, the additional peace of mind these coverages offer can be invaluable. Usually, you'll need to pay a deductible for these coverages, which can vary in quantity and impact your rate. If you select a higher deductible, your rates will be more affordable. If you prefer a lower deductible, your policy will cost you more.
It's worth taking into account additional features such as roadside assistance or uninsured motorist coverage which can shield you from drivers who don't have insurance or are underinsured. Adding these options to your policy will raise your insurance premium, but The Zebra advocates for them because they provide an added level of protection for you in the future.
Cheapest car insurance companies for minimum coverage in Milwaukee, WI
40% of The Zebra's customers in Milwaukee choose the basic tier of coverage, but that doesn't mean it's right for everyone. As mentioned above, carrying the state minimum required coverage is one way to cut costs, but it can leave you in a tough spot if you're involved in a multi-car accident or one involving bodily injuries. Wisconsin's 25/50/10 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $10,000 for property damage — this may be fine for straightforward traffic incidents, but not enough for all situations.
Wisconsin also requires uninsured motorist protection (UMPD), as well. Learn more about insurance laws in Wisconsin.
Milwaukee car insurance rates by credit score
While most states, including Wisconsin, consider credit score as a key factor in determining insurance premiums, few people know why. Historical data has shown that individuals with lower credit scores tend to engage in more risky driving behavior, have lapses in coverage, and file more claims. Hence, insurers view drivers with good credit as less risky, leading to lower rates. Improving your credit score can be a smart strategy to reduce your auto insurance costs.
Milwaukee motorists with a credit score of 300-579 pay an astounding 303% more than those with a score of 800-850, according to our data. The majority of drivers in Milwaukee have a credit score categorized as "Average" In 2023, USAA or Integrity Mutual are the cheapest options for Milwaukee drivers for this credit tier.
Cheapest car insurance companies for bad credit in Milwaukee, WI
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the most common type of insurance claims. In 2023, an at-fault accident raised the average car insurance rates in Milwaukee from $30 to $65 per month — which may not seem like much but adds up to hundreds over the course of a year. The cheapest insurance company in Milwaukee after an at-fault accident is USAA, with Integrity Mutual a close second for savings.
Keeping your auto insurance rates affordable means maintaining a clean driving record by avoiding citations and accidents, no matter your location. When it comes to at-fault accidents, DUIs or DWIs, reckless driving charges, and speeding citations, all of these will cause your rates to increase. The type of accident or citation you receive will impact your premium for three to five years, but DUIs or DWIs can continue to impact you for an even longer period.
Cheapest car insurance companies after an at-fault accident in Milwaukee, WI
Milwaukee car insurance rates by violation
Take a look at the table below to see exactly how much a citation or violation could cost you in Milwaukee.
Car insurance rate increases after violations and citations in Milwaukee, WI
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$917||1%||$5|
|Two Med/PIP claims||$987||8%||$74|
|One comp claim||$995||9%||$82|
|Failure to wear a seat belt||$1,014||11%||$101|
|Driving without lights||$1,044||14%||$131|
|Failure to show documents||$1,047||15%||$134|
|Child safety restraint||$1,061||16%||$148|
|Driving with expired registration||$1,062||16%||$149|
|Two comp claims||$1,079||18%||$166|
|Speeding 6 - 10 MPH over limit||$1,089||19%||$177|
|At-fault accident - less than $1000||$1,093||20%||$180|
|Failure to yield||$1,098||20%||$185|
|Cell phone violation||$1,099||20%||$186|
|Driving too slowly||$1,100||20%||$187|
|Speeding in school zone||$1,100||20%||$187|
|Wrong way/wrong lane||$1,104||21%||$191|
|Following too closely||$1,112||22%||$199|
|Failure to stop at a red light||$1,113||22%||$200|
|Texting while driving||$1,115||22%||$203|
|Speeding 11 - 15 MPH over limit||$1,117||22%||$204|
|Speeding 16 - 20 MPH over limit||$1,122||23%||$209|
|Passing school bus||$1,155||27%||$242|
|Speeding 21 - 25 MPH over limit||$1,251||37%||$338|
|Operating a vehicle without permission||$1,287||41%||$374|
|At-fault accident - $1000-$2000||$1,290||41%||$377|
|At-fault accident - greater than $2000||$1,301||42%||$388|
|In 65 MPH zone||$1,316||44%||$403|
|Refusal to submit to a chemical test||$1,681||84%||$768|
|Driving with a suspended license||$1,732||90%||$819|
|Leaving scene of an accident/hit and run||$1,745||91%||$833|
Why is car insurance in Milwaukee so expensive?
Auto insurance in Milwaukee may feel expensive for a variety of reasons. One reason is that the cost of living in Milwaukee is higher than in other cities in Wisconsin, which means that car insurance companies have to charge more to cover their own costs. Aside from your coverage level, credit history and driving record, there are also other factors that impact your rates. Let's look at why car insurance can be expensive in Milwaukee, even for a great driver.
Cities across the country have experienced an increased cost of living for residents in the last few years, which usually means an increased cost of doing business for auto insurers. These increased costs are passed on to the consumer through higher rates.
As with many urban centers, there are specific neighborhoods in Milwaukee where crime, theft, and uninsured drivers are more common. If you reside in a high-crime area, you're likely to pay more for auto insurance than if you lived elsewhere in town. The silver lining is that Milwaukee's insurance rates don't differ significantly from one ZIP code to the next. Although one might be marginally higher, the difference is typically only a few dollars.
Expensive Milwaukee ZIP codes: 53206, 53216, 53205, 53210, 53233
Cheap Milwaukee ZIP codes: 53228, 53226, 53220, 53227, 53217
Regions that are prone to severe weather like hurricanes or tornadoes are a high risk for insurance companies, resulting in higher premiums in those areas. Weather-related damage is covered under comprehensive coverage, so if you are concerned about possible damage, then consider keeping comprehensive as part of your policy even if your vehicle is paid off.
Milwaukee's larger population, when compared to more rural areas of Wisconsin, also means that there are more vehicles on the road. More vehicles translate to more accidents in general. The expenses related to accident claims are typically passed on to other drivers in the area through increased premiums — this applies even to drivers who don't often use their cars.
Bundling insurance policies in Milwaukee
No matter where you reside, car insurance expenses always seem to be on the rise. However, there are still ways to help lower your auto coverage costs. One simple way to save money when shopping for a new policy is by bundling your homeowners or renters insurance with your car insurance. By bundling, you can potentially save up to 10% on combined premiums. Discover more about combining home and car insurance.
Take a few moments to compare rates from various insurers and see if consolidating your car and home insurance policies could save you money. By bundling, you may be able to get a better rate than you would by keeping your policies separate.
Cheapest car insurance companies for bundling home and auto insurance in Milwaukee, WI
While insurance rates are beyond your control, the key to obtaining affordable auto insurance is to compare quotes from as many companies as possible. It can be overwhelming to secure an affordable rate that doesn't undermine your coverage but is also within your budget. Keep in mind any personal circumstances that may affect your rate, such as moving, aging, or enhancing your credit score, to ensure that you are not missing out on potential savings.
It's important to note that not all insurance companies are created equal, and shopping around to find the best fit for you is always a good idea.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in Milwaukee?
The average rate for a six-month auto insurance policy in Milwaukee is $913, which breaks down to $152 per month. This is more expensive than the Wisconsin state average as well as the national average.
What is the cheapest car insurance in Milwaukee?
USAA is the carrier with the cheapest rates in Milwaukee, with prices at about $490 per six-month policy. Be aware, though, that not everyone qualifies for USAA coverage.
How much is car insurance in Milwaukee for teenagers?
Teen drivers in Milwaukee pay over $3,000 for a six-month policy or about $524 per month. Because car insurance is so expensive for teen drivers, we suggest that parents or guardians add teens to their own policy to help keep costs lower.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.