Milwaukee, WI Car Insurance
How much does car insurance cost in Milwaukee?
An average six-month car insurance policy in Milwaukee costs around $913, or roughly $152 per month. Our data for 2023 indicates that USAA is the least expensive car insurance provider in Milwaukee, with rates at $490 for a six-month policy. Nevertheless, keep in mind that USAA coverage isn't available to everyone. To discover other cost-effective choices if you're looking for vehicle insurance in Milwaukee, continue reading.
Milwaukee's inhabitants pay more than the Wisconsin average for auto insurance, which comes out to about $687 every six months. The average in the city is also higher than the national average of $742 every six months. In reality, 36% of our customers in Milwaukee feel that they are overpaying for their vehicle insurance. If you're paying too much or want to learn more about your auto coverage options, read on to discover what typical Milwaukee rates are like and how they're determined.
| Car Insurance in Milwaukee vs. Wisconsin | Avg. 6 Mo. Premium |
|---|---|
| Milwaukee Average | $913 |
| Wisconsin Average | $687 |
The cheapest car insurance companies in Milwaukee
USAA takes the prize for the cheapest coverage at $82 per month or $490 for a six-month policy. Keep in mind that USAA coverage is for military members and their families, so you may not qualify for their auto insurance.
In second place is Integrity Mutual Insurance Company, offering auto insurance rates of just $95 per month ($572 for six months).
Finishing out as third-cheapest on our list is GEICO. A policy from GEICO in Milwaukee costs $616 per six-month policy, which is about $103 per month.
The Zebra's key takeaways about car insurance in Milwaukee:
- The average cost of a car insurance policy in Milwaukee is $913 per six-month policy — $152 per month.
- The cheapest company in Milwaukee is USAA ($490).
- Milwaukee ranks as the most expensive city for car insurance in Wisconsin.
- 36% of Zebra customers in Milwaukee are using our tools because they feel they're paying too much for their current auto insurance.
Are you paying too much for auto insurance?
Milwaukee car insurance rates by company
According to our data for 2023, the best cheap car insurance with full coverage in Milwaukee, Wisconsin, is USAA at $82 per month or $490 per six-month policy, while the second cheapest is Integrity Mutual at $95 per month or $572 for a six-month policy. Both offer a variety of options to meet your auto insurance needs, but remember that some companies may have eligibility requirements or differences in price based on your profile. Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $490 |
| Integrity Mutual Ins Co | $572 |
| GEICO | $616 |
| State Farm | $656 |
| West Bend Mutual | $665 |
| Nationwide | $719 |
| Progressive | $1,137 |
| Allstate | $1,368 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around to save on car insurance
To locate affordable car insurance that suits your requirements, it's advisable to compare and shop around for rates. Our comparison tools can do the heavy lifting for you, allowing you to concentrate on selecting the right coverage. Input your ZIP code to view rates from Progressive, Allstate, State Farm, and other top companies to find the best and most cost-effective car insurance in Milwaukee.
Average car insurance in Milwaukee by rating factor
Finding the right car insurance company can be challenging because you want it to cover the important stuff without breaking the bank.
Although most companies use similar rating factors, each one has its own way of doing things. For example, some companies may be more interested in your credit score, while others might focus more on your previous claims.
To make sure you keep getting the best rates possible, it's a good idea to get new quotes every six months to a year.
Q: I didn't have an accident — Why is my insurance going up?
A:Â End-of-year earnings, which assess the revenue generated by premiums compared to the cost of claims paid out to insured drivers, play a crucial role in determining the cost of car insurance in Milwaukee. Even if you have a perfect driving record, you may still end up paying more with certain insurers due to the rising costs of doing business in the city.
Auto insurance premiums by age in Milwaukee
Of the many factors that are taken into consideration when calculating rates, age is one of the most important. Insurance companies use data to determine how likely drivers are to get into accidents or make claims, and unfortunately, teen drivers have a higher accident rate than any other age group. As result they face the highest premiums: in Milwaukee, the difference between rates paid by teenage drivers versus those who are in their 20s can be as much as $3,848 per year.
Insurance companies aim to manage risk, and the cost of insuring a teenage driver can appear daunting or unjust. But keep in mind that teenagers are the highest risk drivers, and to balance out the amplified claims expenses, insurers charge them higher premiums.
Cheapest car insurance companies for teen drivers in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $1,510 |
| West Bend Mutual | $1,802 |
| GEICO | $1,981 |
| Integrity Mutual Ins Co | $2,029 |
| State Farm | $2,475 |
| Nationwide | $2,889 |
| Allstate | $4,339 |
| Progressive | $5,888 |
Zebra Tip:Â The cheapest companies for Milwaukee drivers between 20-40 are USAA, Integrity Mutual and GEICO.
Data shows that the majority of Milwaukee drivers fall between ages of 20 and 40. This age group pays an average of $1,044 every six months, but by choosing one of these companies they could see savings of up to 40%! Remember that USAA insurance isn't available to everyone.Â
Auto insurance premiums for minimum coverage in Milwaukee
The level of coverage you choose has a lot to do with your insurance rates. Our data indicate that 27% of Milwaukee drivers have the state minimum coverage. While drivers are only required to have a certain amount of coverage, if you only keep the bare minimum then you could potentially be underinsured in the event of a claim.
Your rates will rise if you add collision and comprehensive coverage, also called "full coverage," when bought together. Nevertheless, the additional peace of mind these coverages offer can be invaluable. Usually, you'll need to pay a deductible for these coverages, which can vary in quantity and impact your rate. If you select a higher deductible, your rates will be more affordable. If you prefer a lower deductible, your policy will cost you more.
It's worth taking into account additional features such as roadside assistance or uninsured motorist coverage which can shield you from drivers who don't have insurance or are underinsured. Adding these options to your policy will raise your insurance premium, but The Zebra advocates for them because they provide an added level of protection for you in the future.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
In an analysis of our data, 48% of drivers in Milwaukee have owned vehicles. If you are not leasing or financing your vehicle, you might consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. In general, if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket if you're involved in an accident.
Cheapest car insurance companies for minimum coverage in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| Integrity Mutual Ins Co | $145 |
| USAA | $170 |
| GEICO | $194 |
| State Farm | $250 |
| West Bend Mutual | $268 |
| Nationwide | $282 |
| Progressive | $362 |
| Allstate | $427 |
40% of The Zebra's customers in Milwaukee choose the basic tier of coverage, but that doesn't mean it's right for everyone. As mentioned above, carrying the state minimum required coverage is one way to cut costs, but it can leave you in a tough spot if you're involved in a multi-car accident or one involving bodily injuries. Wisconsin's 25/50/10 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $10,000 for property damage — this may be fine for straightforward traffic incidents, but not enough for all situations.
Wisconsin also requires uninsured motorist protection (UMPD), as well. Learn more about insurance laws in Wisconsin.
Milwaukee car insurance rates by credit score
While most states, including Wisconsin, consider credit score as a key factor in determining insurance premiums, few people know why. Historical data has shown that individuals with lower credit scores tend to engage in more risky driving behavior, have lapses in coverage, and file more claims. Hence, insurers view drivers with good credit as less risky, leading to lower rates. Improving your credit score can be a smart strategy to reduce your auto insurance costs.
Milwaukee motorists with a credit score of 300-579 pay an astounding 303% more than those with a score of 800-850, according to our data. The majority of drivers in Milwaukee have a credit score categorized as "Average" In 2023, USAA or Integrity Mutual are the cheapest options for Milwaukee drivers for this credit tier.
Cheapest car insurance companies for bad credit in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $849 |
| Integrity Mutual Ins Co | $871 |
| USAA | $895 |
| Nationwide | $1,033 |
| West Bend Mutual | $1,184 |
| Progressive | $1,946 |
| Allstate | $2,001 |
| State Farm | $3,516 |
Zebra Tip: If you've improved your credit score, it's time to shop for car insurance!
In Milwaukee, our data shows drivers with "Fair" credit pay $3,876 less for car insurance in a year than drivers with "Poor" credit. That's about 175% less! If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the most common type of insurance claims. In 2023, an at-fault accident raised the average car insurance rates in Milwaukee from $30 to $65 per month — which may not seem like much but adds up to hundreds over the course of a year. The cheapest insurance company in Milwaukee after an at-fault accident is USAA, with Integrity Mutual a close second for savings.
Keeping your auto insurance rates affordable means maintaining a clean driving record by avoiding citations and accidents, no matter your location. When it comes to at-fault accidents, DUIs or DWIs, reckless driving charges, and speeding citations, all of these will cause your rates to increase. The type of accident or citation you receive will impact your premium for three to five years, but DUIs or DWIs can continue to impact you for an even longer period.
Cheapest car insurance companies after an at-fault accident in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $685 |
| Integrity Mutual Ins Co | $742 |
| State Farm | $825 |
| West Bend Mutual | $944 |
| GEICO | $951 |
| Nationwide | $1,296 |
| Progressive | $1,946 |
| Allstate | $2,024 |
Milwaukee car insurance rates by violation
Take a look at the table below to see exactly how much a citation or violation could cost you in Milwaukee.Â
Car insurance rate increases after violations and citations in Milwaukee, WI
Why is car insurance in Milwaukee so expensive?
Auto insurance in Milwaukee may feel expensive for a variety of reasons. One reason is that the cost of living in Milwaukee is higher than in other cities in Wisconsin, which means that car insurance companies have to charge more to cover their own costs. Aside from your coverage level, credit history and driving record, there are also other factors that impact your rates. Let's look at why car insurance can be expensive in Milwaukee, even for a great driver.
Cities across the country have experienced an increased cost of living for residents in the last few years, which usually means an increased cost of doing business for auto insurers. These increased costs are passed on to the consumer through higher rates.
As with many urban centers, there are specific neighborhoods in Milwaukee where crime, theft, and uninsured drivers are more common. If you reside in a high-crime area, you're likely to pay more for auto insurance than if you lived elsewhere in town. The silver lining is that Milwaukee's insurance rates don't differ significantly from one ZIP code to the next. Although one might be marginally higher, the difference is typically only a few dollars.
Expensive Milwaukee ZIP codes:Â 53206, 53216, 53205, 53210, 53233
Cheap Milwaukee ZIP codes:Â 53228, 53226, 53220, 53227, 53217
Regions that are prone to severe weather like hurricanes or tornadoes are a high risk for insurance companies, resulting in higher premiums in those areas. Weather-related damage is covered under comprehensive coverage, so if you are concerned about possible damage, then consider keeping comprehensive as part of your policy even if your vehicle is paid off.
Milwaukee's larger population, when compared to more rural areas of Wisconsin, also means that there are more vehicles on the road. More vehicles translate to more accidents in general. The expenses related to accident claims are typically passed on to other drivers in the area through increased premiums — this applies even to drivers who don't often use their cars.Â
Zebra Tip: Uninsured property damage coverage
If you live in an area with high numbers of uninsured drivers, we strongly suggest carrying uninsured motorist coverage (UMPD). In Wisconsin, however, it's already required ($25,000 per person and $50,000 per accident).
This coverage can come in handy if you or your car is damaged by an underinsured or uninsured driver. UMPD coverage usually has a lower deductible and is less expensive than collision coverage. Furthermore, the rate hike following a UMPD claim can be significantly less expensive than after a collision claim. If you happen to get into an accident with an uninsured driver in Milwaukee, you may have to cover the entire repair cost yourself.
Bundling insurance policies in Milwaukee
No matter where you reside, car insurance expenses always seem to be on the rise. However, there are still ways to help lower your auto coverage costs. One simple way to save money when shopping for a new policy is by bundling your homeowners or renters insurance with your car insurance. By bundling, you can potentially save up to 10% on combined premiums. Discover more about combining home and car insurance.
Take a few moments to compare rates from various insurers and see if consolidating your car and home insurance policies could save you money. By bundling, you may be able to get a better rate than you would by keeping your policies separate.
Cheapest car insurance companies for bundling home and auto insurance in Milwaukee, WI
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $469 |
| State Farm | $537 |
| Integrity Mutual Ins Co | $543 |
| GEICO | $585 |
| West Bend Mutual | $601 |
| Nationwide | $628 |
| Progressive | $991 |
| Allstate | $1,154 |
While insurance rates are beyond your control, the key to obtaining affordable auto insurance is to compare quotes from as many companies as possible. It can be overwhelming to secure an affordable rate that doesn't undermine your coverage but is also within your budget. Keep in mind any personal circumstances that may affect your rate, such as moving, aging, or enhancing your credit score, to ensure that you are not missing out on potential savings.
It's important to note that not all insurance companies are created equal, and shopping around to find the best fit for you is always a good idea.
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Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.