Car Insurance in Milwaukee

It is known that Wisconsin has low-cost premiums, as its mean rate is $387 lower than the national average. However, premiums run higher in the city, so if you are insuring a vehicle in Milwaukee, understanding premium costs is imperative. Going over some ways to save on Milwaukee car insurance can save you some hard-earned money.

  • City Average: $1,408
  • State Average: $1,040
  • National Average: $1,427

Milwaukee Car Insurance by Age

Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest premiums among any age group, with rates of $1,241/year. Car insurance premiums are highest for teenage drivers, with average payments of $7,101 per year. When drivers hit their 20s in Milwaukee, therefore moving out of the teenage age range, they can save $5,111, the largest difference between any age group. Premiums for drivers in Milwaukee continue to drop through their 50s, but they can expect to pay more when they turn 60.

  • Teenagers: $7,101
  • 20s: $1,990
  • 30s: $1,388
  • 40s: $1,336
  • 50s: $1,241
  • 60s: $1,304
  • 70s: $1,595

Milwaukee Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can have an impact on your car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. In Milwaukee, drivers with a DUI need to spend 68% more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $2,132, which are 51% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates following one. Being at-fault in an accident can cost drivers an additional 57% per year in premiums compared to the city average.

  • DUI: $2,371
  • Reckless Driving: $2,132
  • At-fault Accident (damages less than $1000): $2,214
  • At-fault Accident (damages greater than $2000): $2,214
  • Speeding Ticket (16-20 mph over speed limit): $1,786

Milwaukee Car Insurance by Gender and Marital Status

In Milwaukee, marital status and gender influence your car insurance premiums. Rates for those who are widowed are slightly cheaper than rates for those who are single. You spend around 9% more per year if you're single as opposed to married. Unfortunately for women, their premiums tend to be slightly more pricey than for men.

  • Female: $1,412
  • Male: $1,408
  • Single: $1,408
  • Married: $1,290
  • Divorced: $1,408
  • Widowed: $1,397

Milwaukee Car Insurance by Credit Rating

The discrepancy between average car insurance premiums in Milwaukee for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,325 a year. Drivers can save around $256 per year when they upgrade their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $2,545
  • Fair: $2,116
  • Good: $1,762
  • Very Good: $1,476
  • Exceptional: $1,220

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Milwaukee

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

Find Local Milwaukee Agents


356 E. Rosedale Avenue Milwaukee, WI 53207

Robertson Ryan & Associates Inc

330 E Kilbourn Ave, Milwaukee, WI 53202

Frank Medina Insurance Agency Inc

342 N Water St Milwaukee, WI 53202

Kilian Insurance Service

2526 W Green Tree Rd Milwaukee, WI 53209

Johnson Insurance Services, LLC

333 E. Wisconsin Ave Milwaukee, WI 53202

GBG Insurance Agency

1930 N Dr Martin Luther King Dr Milwaukee, WI 53212

The House of Insurance

7431 W Coldspring Rd Milwaukee, WI 53220

American Advantage Insurance Group Inc.

788 N Jefferson St, Ste 720 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

See All

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The average Milwaukeean's annual cost of coverage


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

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Milwaukee Car Insurance

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