How Much Does Auto Insurance Cost in Milwaukee?


Premiums in Milwaukee, which are 35% greater than Wisconsin's average, are known for being pricey. Therefore in Milwaukee, it is critical to save while insuring a vehicle. Keep some money in your pocket by following our tips and saving on auto insurance in Milwaukee.


AUTO INSURANCE PREMIUMS: MILWAUKEE VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,408$1,040$1,427


Milwaukee Auto Insurance After Accidents or Violations


Maintaining an untainted driving history is imperative if you want to keep the price of rates low. Typically, a DUI in Milwaukee will cost you 68% more in car insurance premiums versus the city average of $1,408. Reckless driving will also push your premiums up, with typical rates of $2,132! If you are found at-fault in an accident in Milwaukee, expect your annual car insurance premiums to increase by 57%.


AVERAGE MILWAUKEE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$2,371
Reckless Driving$2,132
At-fault Accident (damages less than $1,000)$2,214
At-fault Accident (damages greater than $2,000)$2,214
Speeding Ticket (16-20 mph over speed limit)$1,786


Milwaukee Car Insurance by Credit Rating


Improving your credit can save you a sizable amount of money. Those in the top credit tier (800-850) normally save 52% each year on premiums compared to those in the bottom tier (300-579). In terms of percent change, the most significant benefit of better credit comes from boosting from Very Good (740-799) to Exceptional (800-850), by which drivers can save around 17% per year.


MILWAUKEE AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Rate
Very Poor$2,545
Fair$2,116
Good$1,762
Very Good$1,476
Exceptional$1,220


Milwaukee Car Insurance by Gender and Marital Status


In Milwaukee, both marital status and gender have an effect on your car insurance rates. Rates for those who are widowed are slightly cheaper than rates for those who are single. Individuals who are married save roughly 8% per year on car insurance compared to those who are single or divorced. On average, males have premiums that are cheaper than those for females, but not by much.


MILWAUKEE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,412
Male$1,408
Single$1,408
Married$1,290
Divorced$1,408
Widowed$1,397


Milwaukee Car Insurance Premiums by Driver Age

The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Milwaukee start paying 72% less in premiums. In Milwaukee, turning 60 means an increase in car insurance premiums. Up until then, transitioning between age groups means decreasing prices. Looking across all age groups, drivers in their 50s have the smallest insurance rates. Their rates normally average $1,241/year. Car insurance premiums are highest for teenage drivers, with rates that average $7,101 per year.


MILWAUKEE CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$7,101
20s$1,990
30s$1,388
40s$1,336
50s$1,241
60s$1,304
70s$1,595


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.

127

Rainy Days a Year

35"

Avg. Annual Rainfall

47"

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

Frank Medina Insurance Agency Inc

342 N Water St Milwaukee, WI 53202

Schueller-Harrington & Associates

735 N Water St #1128 Milwaukee, WI 53202

HIFS, LLC

356 E. Rosedale Avenue Milwaukee, WI 53207

Robertson Ryan & Associates Inc

330 E Kilbourn Ave, Milwaukee, WI 53202

American Advantage Insurance Group Inc.

788 N Jefferson St, Ste 720 Milwaukee, WI 53202

Kilian Insurance Service

2526 W Green Tree Rd Milwaukee, WI 53209

GBG Insurance Agency

1930 N Dr Martin Luther King Dr Milwaukee, WI 53212

The House of Insurance

7431 W Coldspring Rd Milwaukee, WI 53220

Insurance Center of Milwaukee

3662 S Howell Avenue Milwaukee, WI 53207

Johnson Insurance Services, LLC

333 E. Wisconsin Ave Milwaukee, WI 53202

See All

Not sure about Milwaukee

Check out these other Wisconsin cities...

Madison

$1,355

The average Milwaukeean's annual cost of coverage

40%

Our customer's average savings after comparing insurance

136

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

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Additional Resources:

Milwaukee Car Insurance

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