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 Average||National Average|
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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
|Insurer||Average Yearly Rate|
|West Bend Mutual||$1,442|
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 bracket||Average Annual Rate|
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/Gender||Average Yearly Rate|
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
|Incident||Average Yearly Rate|
|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|
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 Level||Average Rate (annual)|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Milwaukee Agents
Frank Medina Insurance Agency Inc
342 N Water St Ste 600, Milwaukee, WI 53202
American Advantage Insurance Group Inc.
788 N Jefferson St, Ste 720, Milwaukee, WI 53202
Johnson Insurance Services, LLC
333 E. Wisconsin Ave, Milwaukee, WI 53202
Schueller-Harrington & Associates
735 N Water St #1128, Milwaukee, WI 53202
Insurance Center of Milwaukee
3662 S Howell Avenue, Milwaukee, WI 53207
Robertson Ryan & Associates Inc
330 E Kilbourn Ave, Ste 650, Milwaukee, WI 53202
Kilian Insurance Service
2526 W Green Tree Rd, Milwaukee, WI 53209
The House of Insurance
7431 W Coldspring Rd, Milwaukee, WI 53220
GBG Insurance Agency
1930 N Dr Martin Luther King Dr, Milwaukee, WI 53212
356 E. Rosedale Avenue, Milwaukee, WI 53207
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