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 Average||State Average||National Average|
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/Gender||Average Rate|
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
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
|Credit||Average Auto Insurance Rate|
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
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Milwaukee Agents
Johnson Insurance Services, LLC
333 E. Wisconsin Ave 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
Insurance Center of Milwaukee
3662 S Howell 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
Schueller-Harrington & Associates
735 N Water St #1128 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
356 E. Rosedale Avenue Milwaukee, WI 53207
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