What's the Cost of Car Insurance in Milwaukee?


It is common knowledge that Milwaukee has expensive premiums, as its mean premium exceeds Wisconsin's average by 36%. Therefore in Milwaukee, it is important to cut costs while insuring a vehicle. Let's take a look at how auto insurance costs in Milwaukee contrast with rates nationwide.


AUTO INSURANCE PREMIUMS: MILWAUKEE VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,449$1,062$1,569


Milwaukee Car Insurance by Marital Status and Gender


A lot of driver attributes, including marital status and gender, can have an effect on car insurance premiums in Milwaukee. However, the amount by which men's and women's car insurance premiums vary is minimal. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being single, as opposed to married, can cost you close to $120 more per year.


MILWAUKEE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,456
Male$1,449
Single$1,449
Married$1,333
Divorced$1,449
Widowed$1,438


Milwaukee Auto Insurance Premiums by Driver Age

When you look across all age groups, drivers in their 50s tend to have the smallest payments. Their rates typically average $1,290 per year. Those in their 70s and 60s aren't paying much more, with premiums of $1,321 and $1,348, respectively. In Milwaukee, drivers see the most significant dip in premiums when they reach their 20s, as they pay an average of $5,868 less after moving out of the teenage age bracket. The first time drivers can expect their age to trigger an increase in rates is when they turn 60. With typical rates of $7,159, teenage drivers are the ones who pay the most in car insurance premiums.


MILWAUKEE CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$7,159
20s$2,049
30s$1,429
40s$1,382
50s$1,290
60s$1,348
70s$1,321


Milwaukee Car Insurance by Credit Score


Drivers with Exceptional credit (800-850) pay an average of $1,576 less every year on premiums than those with Very Poor credit (300-579). Shifting from Very Poor (300-579) to Fair (580-669) brings in the greatest decrease in premiums, as drivers save an average of $1,048 per year.


MILWAUKEE AUTO INSURANCE COSTS BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$2,779
Fair$1,731
Good$1,449
Very Good$1,312
Exceptional$1,203


Milwaukee Auto Insurance for Drivers With At-Fault Accidents or Violations


Having an unblemished driving record is crutial if you want to keep the cost of premiums low. In general, a DUI in Milwaukee will cost you 50% more in car insurance premiums versus the city average of $1,449. Reckless driving will also drive your premiums up, with typical rates of $2,423! For those in Milwaukee with at-fault accidents in which damages exceeded $2,000, rates are an average of $356 more than at-fault accidents with damages less than $1,000.


AVERAGE MILWAUKEE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationMean Rate
DUI$2,177
Reckless Driving$2,423
At-fault Accident (damages less than $1,000)$1,944
At-fault Accident (damages greater than $2,000)$2,300
Speeding Ticket (16-20 mph over speed limit)$1,831


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

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

Find Local Milwaukee Agents

Johnson Insurance Services, LLC

333 E. Wisconsin Ave Milwaukee, WI 53202

Frank Medina Insurance Agency Inc

342 N Water St Milwaukee, WI 53202

GBG Insurance Agency

1930 N Dr Martin Luther King Dr Milwaukee, WI 53212

Schueller-Harrington & Associates

735 N Water St #1128 Milwaukee, WI 53202

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

Robertson Ryan & Associates Inc

330 E Kilbourn Ave, Milwaukee, WI 53202

HIFS, LLC

356 E. Rosedale Avenue Milwaukee, WI 53207

Insurance Center of Milwaukee

3662 S Howell Avenue Milwaukee, WI 53207

Kilian Insurance Service

2526 W Green Tree Rd Milwaukee, WI 53209

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

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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.