What is the average cost of car insurance in Milwaukee?


The typical Milwaukee driver pays $1,587 per year for car insurance. That's more expensive than the statewide average in Wisconsin ($1,181) and more expensive than the national average of $1,548. Our guide to car insurance in Milwaukee — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


AUTO INSURANCE: MILWAUKEE RATES VS. STATE + NATIONAL AVERAGES
Milwaukee Average (per year)Wisconsin AverageNational Average
$1,587$1,181$1,548

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Milwaukee car insurance rates by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, Erie provides Milwaukee's cheapest rates. Reference below the top options for affordable insurance in Milwaukee. Don't forget to get car insurance quotes based on your unique driving profile.


MILWAUKEE CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
Erie$1,161
State Farm$1,230
GEICO$1,332
American Family$1,343
West Bend Mutual$1,442

Read our guide to finding the best cheap auto insurance.



Milwaukee car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Milwaukee are drivers in their 50s, who pay an average of $1,387per year. Rates for Milwaukee drivers in their 60s are also relatively affordable, at just $1,449 per year.

Teenage drivers pay Milwaukee's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Milwaukee is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Milwaukee is $4,853, the largest such difference between any two age groups.


MILWAUKEE AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$7,017
20s$2,165
30s$1,560
40s$1,475
50s$1,387
60s$1,449
70s$1,784

Learn more about the impact of age on car insurance premiums.



Milwaukee auto insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Milwaukee pay $177 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Milwaukee, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. Milwaukee's car insurance cost gap by gender is $17 per year, with male drivers paying more than female drivers.


MILWAUKEE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$1,570
Male$1,587
Single$1,410
Married$1,410
Divorced$1,551
Widowed$1,522

Learn more about how gender and marital status have on car insurance rates.



Milwaukee auto insurance rates by incident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Milwaukee drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $848 per year versus the city average. A ticket for speeding results in a $373 rate hike, on average, while a DUI violation costs $680per year in insurance premiums.


AVERAGE MILWAUKEE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DUI/DWI$2,266
Reckless Driving$2,435
At-fault Accident (damages less than $1,000)$2,216
At-fault Accident (damages greater than $2,000)$2,386
Speeding Ticket (16-20 mph over speed limit)$1,960

Learn more about how citations can raise your auto insurance rates.



Milwaukee car insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. In fact, Milwaukee drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Milwaukee, improving your credit to "Fair" corresponds with a $1,321 decrease in annual car insurance rates.


MILWAUKEE CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,237
Fair$1,916
Good$1,587
Very Good$1,433
Exceptional$1,258

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Milwaukee?

Where you live in Milwaukee affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Milwaukee is no exception to the rule. From ZIP code 53154 to 53206, premiums rise by 52 percent—that’s $585.

Expensive Milwaukee ZIP codes: 53212, 53204, 53203, 53205, 53206

Cheap Milwaukee ZIP codes: 53154, 53228, 53220, 53217, 53110

Milwaukee Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Milwaukee, you can expect 127 rainy days with an annual rainfall of 34.8 inches. Milwaukee is also known to experience severe winter storms.

127

Rainy Days a Year

35"

Avg. Annual Rainfall

47"

Avg. Annual Snowfall

Be Prepared For

Driving in Milwaukee

2
Major Highways
I-41 I-43 I-94
2
Public Transit
MCTS Bus Transit Plus
2
Popular Day Trips
Door County Grand Rapids Kohler
2
Parking

City of Milwaukee Parking

MKE Park App ParkWhiz in Milwaukee

Find Local Milwaukee Agents

Kilian Insurance Service

2526 W Green Tree Rd, Milwaukee, WI 53209

Insurance Center of Milwaukee

3662 S Howell Avenue, Milwaukee, WI 53207

Frank Medina Insurance Agency Inc

342 N Water St Ste 600, Milwaukee, WI 53202

Schueller-Harrington & Associates

735 N Water St #1128, Milwaukee, WI 53202

The House of Insurance

7431 W Coldspring Rd, Milwaukee, WI 53220

Johnson Insurance Services, LLC

333 E. Wisconsin Ave, Milwaukee, WI 53202

American Advantage Insurance Group Inc.

788 N Jefferson St, Ste 720, Milwaukee, WI 53202

Robertson Ryan & Associates Inc

330 E Kilbourn Ave, Ste 650, Milwaukee, WI 53202

GBG Insurance Agency

1930 N Dr Martin Luther King Dr, Milwaukee, WI 53212

HIFS, LLC

356 E. Rosedale Avenue, Milwaukee, WI 53207

Not sure about Milwaukee

Check out these other Wisconsin cities:

Madison

2

$1,355

The average Milwaukeean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

136

That's equal to 136 beers or $542 in savings

See How Much You Can Save in Milwaukee

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Recent Questions:

Milwaukee Car Insurance

We will be purchasing our first car shortly before moving from WI to CA. How should we navigate car insurance?

Every state has separate laws, insurance plans, and registrations, but you shouldn't have an issue buying a vehicle in one state and moving to another state. If at all possible, I would wait and buy the vehicle in California — this way, you would only pay all the fees once.

Can I add roadside after I've broken down?

Unfortunately, this would be an example of insurance fraud. Most likely, your insurance would deny this claim anyway because of the correlation between the date of the added coverage and the date of the claim.

Should I drop full coverage for 2008 Camry LE

A general rule of thumb is if the value of your vehicle is less than $4,000, it doesn't make financial sense to keep these coverages. You can determine the value of your vehicle by using websites like Kelley Blue Book and NADA online.

Tractor trailer insurance

Each policy is going to have different guidelines as to what they will and will not cover. You will definitely want to check with your specific company to find out if your policy will cover the damages.