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The average monthly premium for minimum-coverage car insurance in Milwaukee is $160 — slightly less than the Wisconsin average cost of $165. Car insurance costs are rising, and car thefts play a big role in the rate hikes. Milwaukee saw a 72% increase in vehicle thefts over the last year, according to the National Insurance Crime Bureau (NICB).
Table of contents
- How much does car insurance cost in Milwaukee?
- Cheapest car insurance in Milwaukee: Travelers
- How much car insurance do you need in Milwaukee?
- Tips for getting cheap car insurance in Milwaukee
- How age affects car insurance rates in Milwaukee
- How credit scores affect cheap car insurance in Milwaukee
- The effect of driving habits on car insurance in Milwaukee
- Find local Milwaukee agents
- Milwaukee car insurance FAQs
How much does car insurance cost in Milwaukee?
Car insurance rates can vary widely throughout Milwaukee. To find the best deal for your needs, shop around to compare quotes from at least three providers. Insurify data scientists analyzed the latest insurance rates in Milwaukee to identify the cheapest quotes in the area:
Travelers has the cheapest liability-only insurance coverage in Milwaukee, at an average of $74 per month.
Integrity has the cheapest full-coverage insurance in Milwaukee, with average rates of $113 per month.
Travelers has the cheapest insurance for younger drivers in Milwaukee, at $129 per month on average.
See More: Cheap Car Insurance in Wisconsin
Cheapest car insurance in Milwaukee: Travelers
From Insurify’s analysis of insurers throughout Milwaukee, Travelers came out on top for the cheapest car insurance, costing an average of $101 per month. This average accounts for both liability-only and full-coverage policies. Keep in mind that a variety of factors can influence car insurance rates.
“Factors to consider in acquiring car insurance in Milwaukee are age, gender, credit score, driving history, and marital status,” says Nick Schrader, a licensed insurance agent with more than a decade of industry experience.
Your location also plays a role in what insurance rates you receive. Your quote could be different depending on which Milwaukee ZIP code you’re in.
Here are the cheapest rates for car insurance in Milwaukee:
|Insurance Company||Liability Only||Full Coverage|
|Midvale Home & Auto||$88||$160|
How much car insurance do you need in Milwaukee?
Not only do you want adequate protection in case of an accident, but you must also make sure your car insurance coverage complies with state requirements. Here are the minimum car insurance requirements in Milwaukee:
$10,000 per accident for property damage liability
$25,000 per person/$50,000 per accident for bodily injury liability
If you’re in an accident, you might be required to show proof of insurance in Milwaukee. Law enforcement could also request proof of insurance during a traffic stop.
Wisconsin DMV information
You can find Wisconsin Department of Motor Vehicles (DMV) locations near you for a variety of services. In addition to renewing or replacing your driver’s license, you can schedule a road test, apply for vehicle titles and plates, change your address, and obtain a copy of your driving record. It’s also where you can submit an SR-22 certificate of insurance if needed.
Tips for getting cheap car insurance in Milwaukee
From bundling with homeowners insurance to paying your bill online, insurers often have several discounts available that can help lower your costs.
A critical aspect that drivers often overlook is the importance of comparison shopping for car insurance quotes. Comparison shopping can help you find the best rate and coverage for your needs. You can compare different rates from several companies to ensure that your policy aligns with your budget.
If you’re looking to cut your premium costs, here are some other tips:
Change how you pay your bill. Paying your premium in full rather than in monthly installments can qualify you for a rate discount.
Improve your credit score. Insurance companies often use credit scores to determine premiums. Generally, the higher your score, the lower your rate.
Find membership savings. Some car insurance companies offer membership discounts if you belong to specific organizations or participate in activities like volunteering.
Only keep the coverage you need. Carefully consider the amount of auto insurance coverage you need. For example, if you drive an older car, you may want to save money by opting out of full coverage.
Increase your deductible. A higher deductible means that you’ll pay more out of pocket in case of an accident or theft — but you’ll also pay less in insurance premiums each month.
Read More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Milwaukee
The insurance industry considers a number of different factors that affect the cost of coverage, including your driving record and the type of car you drive. But one of the most important factors is your age.
“Teenage drivers receive the most expensive insurance rates,” says Schrader. “Car insurance [premiums] will decrease as teens grow older and earn positive driving records.”
In Milwaukee, drivers in their 60s have the lowest average rates. The table below outlines what Milwaukee drivers can expect to pay each month on average based on their age group.
|Age Group||Average Monthly Rate|
Cheapest car insurance for young drivers in Milwaukee
Because they have little to no driving experience, young drivers typically pay more for car insurance than any other age group. Travelers and Integrity have the cheapest full-coverage policies for young drivers, at $129 per month. To help lower costs, drivers under 25 should ask about a discount for earning good grades or completing a driver’s education course.
|Insurance Company||Average Monthly Rate|
|Midvale Home & Auto||$211|
Cheapest car insurance for middle-aged drivers in Milwaukee
Middle-aged drivers in Milwaukee typically pay less than young drivers. Integrity has the cheapest full-coverage policy for middle-aged drivers, at $89 per month. This cost is already pretty low, but if you’re a middle-aged driver, you could save even more by bundling homeowners or life insurance with your auto insurance coverage.
|Insurance Company||Average Monthly Rate|
|Midvale Home & Auto||$143|
Cheapest car insurance for senior drivers in Milwaukee
Integrity has the cheapest full-coverage policy for senior drivers, at $84 per month. Seniors who don’t drive much can save money by asking for a usage-based insurance rate. Enrolling in a defensive driving course could also lower premium costs.
|Insurance Company||Average Monthly Rate|
|Midvale Home & Auto||$112|
How credit scores affect cheap car insurance in Milwaukee
Insurance companies in Milwaukee look at your credit score when setting your car insurance rates. The higher your score, the less risk an insurer assumes when writing your policy, which means lower premiums. A “good” credit score generally ranges from 670 to 739, according to credit bureau Equifax.
Depending on your credit rating, here’s what you can expect to pay for a full-coverage policy in Milwaukee.
|Credit Tier||Average Monthly Quote|
Learn More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Milwaukee
Your driving record is one of the most important factors for determining your car insurance premium. It gives insurers a picture of how safe you are behind the wheel. If you’re a high-risk driver with multiple accidents or tickets, your premium will probably be higher than someone with a clean record.
“Generally, a common cause of car crashes in Milwaukee is distracted driving, speeding, and inexperienced driving,” says Schrader.
The tables below outline how different driving infractions could increase your car insurance rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Milwaukee: Travelers
Drivers with a history of accidents on their records tend to pay more in car insurance premiums than drivers with clean records. It can also take a while for insurance rates to go back down after you’ve been in an accident.
|Car Insurance Company||Clean Record||With Accident||Difference|
|Midvale Home & Auto||$132||$243||+$111|
Cheapest car insurance with a DUI in Milwaukee: Travelers
If you have a DUI on your record, some insurance companies might not grant you an insurance policy since they see a DUI as a major risk. It’s possible to find an auto insurance policy with a DUI on your record, but you’ll generally pay much higher premiums than drivers with a clean record.
|Car Insurance Company||Clean Record||With DUI||Difference|
|Midvale Home & Auto||$132||$269||+$137|
Cheapest car insurance with a speeding ticket in Milwaukee: Certainly
Speeding tickets generally won’t cause your car insurance premiums to go up as much as a DUI or more serious infraction will, but having a speeding ticket on your driving record can still result in an increase.
|Car Insurance Company||Clean Record||With Speeding Ticket||Difference|
|Midvale Home & Auto||$132||$238||+$106|
Car insurance in other Wisconsin cities
Car insurance rates can fluctuate widely from city to city — even within the same state. Check out car insurance rates in some other Wisconsin cities:
Find local Milwaukee agents
Kilian Insurance Service2526 W Green Tree Rd,
Milwaukee, WI 53209
J.P. and Associates5629 West North Avenue,
Milwaukee, WI 53208
Johnson Insurance Services LLC333 East Wisconsin Avenue,
Milwaukee, WI 53202
Schueller/Harrington & Associates, Inc.735 North Water Street,
Milwaukee, WI 53202
Harwood Insurance & Financial Services LLC356 East Rosedale Avenue,
Milwaukee, WI 53207
Insurance Center of Milwaukee LLC3662 South Howell Avenue,
Milwaukee, WI 53207
Bruce Gendelman Company, Inc.500 West Brown Deer Road,
Milwaukee, WI 53217-1627
Drive Home Insurance, Inc6100 N Green Bay Ave,
Milwaukee, WI 53209-3814
American Advantage Insurance Group - IMC, Inc.788 North Jefferson Street,
Milwaukee, WI 53202-3739
Robertson Ryan & Associates, Inc.330 East Kilbourn Avenue,
Milwaukee, WI 53202-3175
Milwaukee car insurance FAQs
Here are answers to some commonly asked questions about car insurance in Milwaukee.
The average monthly car insurance rates in Milwaukee are $261 for full coverage and $160 for minimum coverage, which ranges from $1,920 to $3,132 per year. Shopping around and comparing quotes from multiple insurance companies will help you find the lowest rate for your unique situation.
Your car insurance needs depend on your budget and personal preferences. Your auto policy must have, at a minimum, $10,000 per accident for property damage liability and $25,000 per person and $50,000 per accident for bodily injury liability.
Travelers tops the list for cheapest minimum-coverage car insurance, at $74 per month. Kemper Preferred ranks second, at $78, and State Auto is third, at $82.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- National Insurance Crime Bureau. "NICB Report Finds Vehicle Thefts Continue to Skyrocket in Many Areas of U.S.." Accessed December 19, 2022
- Wisconsin Department of Transportation. "Minimum insurance requirements." Accessed December 19, 2022
- Wisconsin Department of Transportation. "Welcome to the Wisconsin DMV." Accessed December 19, 2022
- Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information." Accessed December 19, 2022
- Equifax. "What is a Good Credit Score?." Accessed December 19, 2022