Cheapest Auto Insurance in Milwaukee, Wisconsin (2024)
USAA is the cheapest car insurance company for Milwaukee drivers. Its minimum-coverage policies start at $32 per month.
Excellent
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
Milwaukee residents pay an average of $201 per month for full-coverage car insurance and $98 for liability-only policies. Car insurance costs in Wisconsin’s largest city are higher than the state averages.
Located on Lake Michigan’s western shore, the Cream City’s higher car insurance costs are likely due to multiple factors, including its population and population density. With a population of about 563,000, Milwaukee packs 6,000 people per square mile.
Extreme weather probably also contributes to Milwaukee County’s high accident rate. In 2021, crashes in Milwaukee County accounted for more than 21% of all accidents in Wisconsin that year, according to the latest data available from the Wisconsin Department of Transportation.
With high insurance costs and a high risk of accidents, Milwaukee motorists need to find cheap car insurance that provides the coverage they need at the best price.
Quick Facts
USAA, Auto-Owners, and State Farm are the three cheapest car insurance companies serving Milwaukee drivers.
Milwaukee drivers pay a yearly average of $2,410 for full-coverage insurance.
More than 1,200 accidents in Milwaukee County in 2021 involved impaired drivers, according to WDOT data. Speeding was a factor in more than 3,500 crashes in the same year.
3 of the cheapest car insurance companies in Milwaukee
Before searching for an auto insurance company, it’s important to remember that the best insurer for you may look different than the best insurer for another driver. Whether a company works for your needs depends on your financial circumstances, driving history, and more.
Several companies in Milwaukee consistently provide excellent service, reliable coverage options, and the cheapest rates. Here are a few of the best car insurance options in Milwaukee.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $56 | $35 | Liability-only coverage |
| USAA | 9.4 | $42 | $22 | Veterans |
| GEICO | 9.0 | $58 | $31 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $81/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is the cheapest car insurance option for liability-only coverage in Milwaukee. With the lowest rates in the area, Mile Auto offers a pay-per-mile pricing model where your rate depends on the miles you drive. You can choose from various coverage options to customize your coverage, including insurance with higher policy limits and roadside assistance.
Nearly 11% of Milwaukee’s population are senior drivers, who might find Mile Auto’s pay-per-mile pricing appealing if they drive less.
Pros
Cheapest liability-only auto coverage in Milwaukee
Clear and straightforward pay-per-mile premiums
Customizable policy limits and coverage options
Cons
Limited customer service hours
Not the best option for high-mileage drivers
Online policy management not available
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $61/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA could be a great option for Milwaukee’s 17,000-plus veterans and their families. You can find some of the most competitive rates for liability and full-coverage insurance in the city from USAA. But the low cost doesn’t mean you’ll sacrifice quality. The company ranked above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Specialized benefits and services for veterans
User-friendly mobile app
Strong financial standing and reliability
Cons
No network of local agents
Only available to active, reserve, and retired military members and eligible family members
Fewer coverage options than some other insurers
Best insurer for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO provides an affordable option for drivers in Milwaukee, with cheap rates for liability and full-coverage insurance. If you have a DUI and need SR-22 insurance, GEICO can help. The company can file an SR-22 certificate with the Wisconsin Department of Motor Vehicles for you for a small filing fee.
Pros
Offers SR-22 filing assistance
10% discount for taking a defensive driving course
Various coverage options and discounts
Cons
Limited agent network
Gap insurance not available
Drivers with a DUI will likely pay higher rates
How to get the cheapest car insurance in Milwaukee
To get a great rate on car insurance, it helps to know what insurance companies look at when putting together a quote. Your driving record and age are two of the biggest factors. The type of car you drive, where you live, and your credit score also influence your risk level and premium.
Here are some tips to help you find cheap car insurance in Milwaukee:
Maintain a clean driving record. Avoid speeding tickets, DUIs, and at-fault accidents. If you have a clean record, insurers can use that information to reduce your premiums.
Choose a safe vehicle. You choice of vehicle will significantly affect how much you pay for car insurance. For example, a luxury car will be more expensive to repair or replace, so insurance for it will cost more. Conversely, vehicles with safety features may qualify for discounts.
Bundle your insurance. If you have multiple types of insurance policies, such as car and homeowners insurance, bundling them with the same company can lead to a discount.
Take advantage of discounts. Many insurers offer discounts for safe driving, receiving good grades, or taking defensive driving courses. Check with your insurer to see what you might qualify for.
Shop around. Different insurers offer different rates, even for the same driver profile. Make sure to get quotes from at least three insurance companies and compare costs, coverage limits, and deductibles.
Find Cheap Car Insurance in Milwaukee
Liability rates start at $32 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Milwaukee: USAA
A liability-only policy is a cost-effective way to meet Wisconsin’s minimum auto insurance requirements. It includes bodily injury and property damage liability to cover the damage or injury you cause others in an accident. But it doesn’t protect your car in case of collision, theft, or damage, and it doesn’t pay for your medical expenses.[1] This policy type works best for drivers with old or inexpensive vehicles.
Liability insurance in Milwaukee costs an average of $98 per month. Here are the cheapest liability-only insurance options in Milwaukee.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $32 |
| Auto-Owners | $33 |
| State Farm | $33 |
| Erie | $43 |
| GEICO | $45 |
| American Family | $48 |
| Mile Auto | $50 |
| Chubb | $55 |
| Farmers | $63 |
| Nationwide | $65 |
| Clearcover | $69 |
| Progressive | $76 |
| Travelers | $82 |
| Root | $91 |
| Allstate | $94 |
| Dairyland | $94 |
| Safeco | $95 |
| GAINSCO | $100 |
| Bristol West | $107 |
| Direct Auto | $118 |
| The General | $123 |
| State Auto | $124 |
| National General | $125 |
| Liberty Mutual | $157 |
| Foremost | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Milwaukee: USAA
Full-coverage insurance usually includes liability, comprehensive, and collision coverage. It provides much more protection than liability-only insurance because it extends coverage to your vehicle from accidents, theft, vandalism, or natural disasters.
If you finance or lease a vehicle, your auto lender or leasing company may require you to purchase a full-coverage policy. Even if not required, Milwaukee drivers who have a new or expensive vehicle or who live in areas with a high crime rate or risk of car accidents should consider this coverage.
Milwaukee drivers pay a monthly average of $201 for full-coverage insurance. You can find the cheapest full-coverage car insurance options in Milwaukee below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $61 |
| State Farm | $62 |
| Auto-Owners | $63 |
| Mile Auto | $81 |
| Erie | $84 |
| GEICO | $85 |
| American Family | $91 |
| Chubb | $105 |
| Clearcover | $113 |
| Farmers | $123 |
| Nationwide | $124 |
| Progressive | $147 |
| Safeco | $153 |
| Root | $157 |
| Travelers | $159 |
| Allstate | $179 |
| State Auto | $237 |
| Liberty Mutual | $255 |
| National General | $263 |
| Direct Auto | $271 |
| The General | $283 |
| Dairyland | $293 |
| Bristol West | $301 |
| GAINSCO | $392 |
| Foremost | $460 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Milwaukee, Wisconsin
Drivers in and around Milwaukee, Wisconsin have found policies from National General, Safeco, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wisconsin
The Wisconsin Division of Motor Vehicles (DMV) requires all drivers to carry a minimum amount of auto insurance. If you have an accident, the state uses modified comparative negligence to determine who’s at fault. As a result, you can only claim damages if your share of the blame is less than the other party’s.[2]
You need to purchase liability and uninsured motorist coverage to drive legally in Wisconsin. Here are the specific requirements you must meet:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident |
The Consumer’s Guide to Auto Insurance from the Wisconsin Office of the Commissioner of Insurance recommends that Wisconsin drivers should buy higher policy limits for liability coverage.
You can also purchase optional policies for more protection, including the following common coverages:
Uninsured/underinsured motorist coverage
This coverage protects you if the at-fault driver’s insurance can’t cover all your injury costs. It’s optional, but Wisconsin requires minimum-coverage limits of $50,000 per person and $100,000 per accident if you buy it.
Medical payments coverage
Medical payments coverage pays for medical or funeral costs for you and others in an accident, regardless of fault. If you add medical payments coverage, the minimum limit you can select in Wisconsin is $1,000.
Collision coverage
In the event of an auto accident, collision coverage kicks in to pay for the costs of vehicle repair or replacement. It applies even if you cause an accident.
Comprehensive coverage
Comprehensive coverage pays for vehicle repair or replacement from non-collision incidents, like vandalism, severe weather, fire, and more.
Gap coverage
Gap insurance pays the difference between the actual cash value of your vehicle and the remaining balance on your car loan or lease in the event of total loss.
Roadside assistance coverage
Roadside assistance provides immediate help for common roadside troubles like flat tires, dead batteries, lockouts, or running out of fuel. Specifics vary by company, but this service is often available 24/7.
Cheapest car insurance for drivers with an incident
An incident refers to an at-fault accident, speeding ticket, DUI, or another moving violation that could add points to your driving record. If you receive too many points on your record, the Wisconsin DMV can suspend your driver’s license.[3] Incidents can also raise your car insurance premiums because they signal a higher risk to insurers.
Shop for Car Insurance in Milwaukee, WI
Monthly rates start at $40 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
Speeding between 11 mph and 19 mph over the limit was the most common traffic conviction in Wisconsin in 2022, according to a report from the Wisconsin Department of Transportation.[4]
When insurers see a speeding ticket on your record, they may view you as a risky driver and charge you higher car insurance rates to account for the added risk. The effect on your actual insurance rate depends on the severity of the violation and whether you have other incidents on your driving record.
Milwaukee drivers with speeding tickets on their records pay average rates of $301 per month for full-coverage car insurance and $147 for liability only. Here are the cheapest car insurance options in Milwaukee if you have a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $32 | $43 |
| Auto-Owners | $33 | $45 |
| State Farm | $33 | $44 |
| Erie | $43 | $59 |
| GEICO | $45 | $61 |
| American Family | $48 | $65 |
| Mile Auto | $50 | $68 |
| Chubb | $55 | $75 |
| Farmers | $63 | $84 |
| Nationwide | $65 | $88 |
| Clearcover | $69 | $93 |
| Progressive | $76 | $102 |
| Travelers | $82 | $111 |
| Root | $91 | $131 |
| Allstate | $94 | $127 |
| Dairyland | $94 | $127 |
| Safeco | $95 | $130 |
| GAINSCO | $100 | $145 |
| Bristol West | $107 | $145 |
| Direct Auto | $118 | $159 |
| The General | $123 | $169 |
| State Auto | $124 | $179 |
| National General | $125 | $169 |
| Liberty Mutual | $157 | $227 |
| Foremost | $176 | $254 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Insurance companies may think if you have one at-fault accident, you’re more likely to cause another in the future. Accidents can result in costly claims, so insurers can charge you higher premiums to offset the risk. Points stay on your record in Wisconsin for five years, so you may face increased rates for that period of time.
At-fault accidents in Milwaukee push monthly average car insurance rates to $301 per month for full coverage and $147 for liability only. Here are the cheapest monthly rates for drivers with an at-fault accident in Milwaukee.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $32 | $44 |
| Auto-Owners | $33 | $46 |
| State Farm | $33 | $45 |
| Erie | $43 | $61 |
| GEICO | $45 | $62 |
| American Family | $48 | $67 |
| Mile Auto | $50 | $71 |
| Chubb | $55 | $76 |
| Farmers | $63 | $87 |
| Nationwide | $65 | $91 |
| Clearcover | $69 | $103 |
| Progressive | $76 | $106 |
| Travelers | $82 | $114 |
| Root | $91 | $134 |
| Allstate | $94 | $130 |
| Dairyland | $94 | $129 |
| Safeco | $95 | $130 |
| GAINSCO | $100 | $133 |
| Bristol West | $107 | $148 |
| Direct Auto | $118 | $167 |
| The General | $123 | $173 |
| State Auto | $124 | $186 |
| National General | $125 | $173 |
| Liberty Mutual | $157 | $231 |
| Foremost | $176 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
A DUI conviction is one of the most serious traffic offenses because it demonstrates a high level of risk and recklessness. For this reason, having a DUI on your record can lead to significant rate increases. Points for alcohol-related incidents stay on your record permanently, so it could cause a longer-term financial burden for Milwaukee drivers.
The average monthly cost of car insurance for Milwaukee drivers with DUI convictions is $341 for full coverage and $166 for liability only. Here are the cheapest insurers for Milwaukee drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $32 | $54 |
| Auto-Owners | $33 | $55 |
| State Farm | $33 | $55 |
| Erie | $43 | $72 |
| GEICO | $45 | $75 |
| American Family | $48 | $80 |
| Mile Auto | $50 | $84 |
| Chubb | $55 | $92 |
| Farmers | $63 | $105 |
| Nationwide | $65 | $109 |
| Clearcover | $69 | $115 |
| Progressive | $76 | $127 |
| Travelers | $82 | $137 |
| Root | $91 | $136 |
| Allstate | $94 | $157 |
| Dairyland | $94 | $157 |
| Safeco | $95 | $147 |
| GAINSCO | $100 | $167 |
| Bristol West | $107 | $179 |
| Direct Auto | $118 | $197 |
| The General | $123 | $206 |
| State Auto | $124 | $207 |
| National General | $125 | $209 |
| Liberty Mutual | $157 | $263 |
| Foremost | $176 | $294 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Auto insurance premiums usually drop steadily between the ages of 35 and 70 as you gain driving experience and establish a good driving history. But drivers older than 70 may face slight increases in cost due to aging-related risk factors and an increase in fatal accidents for drivers age 70 and older, according to the Insurance Institute for Highway Safety.
The higher rates can cause financial challenges, so you should shop around for coverage to find the best quotes. You might also consider pay-per-mile auto insurance if you don’t drive much.
Senior drivers in Milwaukee have average car insurance rates of $138 per month for full coverage and $67 for liability only. You can find the cheapest monthly rates for senior drivers in Milwaukee below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $44 | $23 |
| Auto-Owners | $45 | $24 |
| USAA | $45 | $23 |
| Mile Auto | $56 | $34 |
| Erie | $58 | $30 |
| GEICO | $62 | $33 |
| American Family | $65 | $34 |
| Chubb | $69 | $36 |
| Nationwide | $84 | $44 |
| Farmers | $88 | $45 |
| Clearcover | $89 | $55 |
| Progressive | $96 | $50 |
| Travelers | $113 | $58 |
| Safeco | $120 | $74 |
| Root | $121 | $70 |
| Allstate | $131 | $69 |
| State Auto | $161 | $84 |
| National General | $183 | $87 |
| Direct Auto | $192 | $84 |
| Liberty Mutual | $196 | $121 |
| The General | $210 | $91 |
| Dairyland | $214 | $69 |
| Bristol West | $220 | $78 |
| GAINSCO | $301 | $77 |
| Foremost | $336 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers face significantly higher car insurance costs than older drivers due to a lack of driving experience and a higher likelihood of engaging in risky driving behavior.
The average cost of car insurance for teen drivers in Milwaukee who get their own policies is $353 per month for full coverage and $172 for liability only.
Though you’ll likely face higher rates as a teen, you can utilize a few strategies to help you find more affordable car insurance coverage.
To start, staying on your parent’s auto insurance policy can help you qualify for lower car insurance rates. Choosing a safe and reliable car with good safety ratings can decrease costs, too. If you’re still in school, make sure to keep your grades up, because many insurers offer discounts for maintaining a minimum grade point average.
The following table shows average monthly rates from some top insurers in Milwaukee.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $104 | $55 |
| Auto-Owners | $108 | $56 |
| State Farm | $108 | $58 |
| GEICO | $138 | $73 |
| Erie | $143 | $73 |
| Mile Auto | $159 | $98 |
| American Family | $160 | $84 |
| Chubb | $204 | $107 |
| Clearcover | $211 | $129 |
| Farmers | $219 | $112 |
| Nationwide | $220 | $115 |
| Root | $238 | $138 |
| Progressive | $262 | $136 |
| Travelers | $292 | $151 |
| Safeco | $299 | $186 |
| Allstate | $324 | $170 |
| State Auto | $428 | $224 |
| Liberty Mutual | $445 | $274 |
| The General | $457 | $199 |
| Dairyland | $480 | $154 |
| Direct Auto | $503 | $219 |
| Bristol West | $515 | $183 |
| National General | $526 | $250 |
| GAINSCO | $688 | $175 |
| Foremost | $830 | $318 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Milwaukee car insurance quotes by credit tier
Wisconsin law allows insurance companies to look at your credit history and use the information to generate a credit-based insurance score, which can be a factor in setting your premiums. Many insurers believe a relationship exists between financial responsibility and fewer claims. Insurers typically offer lower premiums to drivers with an excellent or good credit score than people with a poor credit score.
Find the average full-coverage insurance rates by credit tier in Milwaukee below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Milwaukee?
Milwaukee drivers pay an average of $98 per month for liability-only car insurance, while the state average is just $64 per month. The city’s high population density and accident rates contribute to its higher cost of car insurance.
Car insurance rates can vary quite a bit between ZIP codes in Milwaukee. Differences in local traffic volume, accident frequency, crime levels, and weather patterns influence the cost. Because Milwaukee includes urban environments with more traffic congestion, insurers may charge higher average rates in the area to account for the risk of vehicle damage.
More cities in Wisconsin
Milwaukee drivers pay some of the highest car insurance costs in the Badger State — likely because it’s the largest city in the state and has the most drivers on the road. On average, Milwaukee drivers pay $201 per month for full-coverage insurance. See how average monthly rates compare in other cities in the state.
Milwaukee car insurance FAQs
Before you start shopping around for coverage, you should determine how much coverage you need and the type of insurer you want to work with. The information below should help you navigate some of your remaining questions about finding auto coverage in Milwaukee.
How much is car insurance in Milwaukee?
Car insurance in Milwaukee costs an average of $201 per month for full coverage and $98 for liability only. Ultimately, your specific premium depends on your driving record, age, credit history, vehicle type, chosen coverage, and more.
What are the cheapest car insurance companies in Milwaukee?
USAA is the cheapest insurer in Milwaukee, offering liability-only policies for as little as $32 per month. But USAA may not be the right company for everyone.
Milwaukee drivers can also find affordable coverage through the city’s second- and third-largest companies, Auto-Owners and State Farm, which have liability-only rates as low as $33 and $33, respectively.
What are the best car insurance companies in Milwaukee?
With an Insurify Quality (IQ) Score of 9.4 out of 5 and an AM Best financial strength rating of A++ (Superior), USAA is the best car insurance company in Milwaukee. The company only offers coverage to military members and eligible family members, so you may need to look elsewhere. Other top insurers in Milwaukee include State Farm, Erie, and GEICO.
Do you need car insurance in Wisconsin?
Yes. You need to purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $10,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist coverage. Failure to carry this coverage can result in a fine of up to $500.[5]
What is public transportation like in Milwaukee?
The Milwaukee County Transit System operates a system of bus routes in the downtown area and throughout the rest of the county, making public transportation fairly accessible. If you’re traveling within the downtown area, you’ll find that it’s very walkable. That said, most people in Milwaukee drive themselves to work every day.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Wisconsin
Sources
- Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage#."
- Wisconsin Office of the Commissioner of Insurance. "Consumer’s Guide to Auto Insurance."
- WDOT. "Wisconsin's Point System."
- WDOT. "Traffic Convictions Entered on Driver Record File January - December 2022."
- State of Wisconsin Department of Transportation. "Minimum insurance requirements."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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