The average cost of a full coverage car insurance policy in Milwaukee is $1,523, significantly higher than the Wisconsin state average of $1,109. Drivers pay more for car insurance in Milwaukee because it’s the biggest city in the state, and more cars on the roads means more chances for accidents and claims.
But Milwaukee drivers can still save on car insurance by shopping around and comparing quotes. Policygenius can show you options from top companies, so you easily find your most affordable coverage.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Milwaukee, WI
Your driving history, credit report, age, and ZIP code all affect how much you’ll pay for car insurance. Every insurance company looks at the same information, but each company has its own formula to set the rates. That’s why you might get two very different quotes from two different companies.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $751 | 890 |
Auto-Owners Insurance | $1,042 | 865 |
GEICO | $1,072 | 874 |
Integrity Insurance | $1,100 | -- |
SECURA | $1,178 | -- |
Cheapest car insurance rates by ZIP code in Milwaukee, WI
Your ZIP code is one of the biggest factors in determining your insurance rates. Insurance companies will look at the frequency of car theft and vandalism, the number of claims and accidents, and even the cost of car repairs in your area.
ZIP code | Average cost |
|---|---|
53221 | $1,244 |
53219 | $1,257 |
53207 | $1,260 |
53211 | $1,285 |
53222 | $1,364 |
53202 | $1,378 |
53224 | $1,405 |
53223 | $1,440 |
53215 | $1,457 |
53203 | $1,506 |
Choosing the right car insurance company in Milwaukee, WI
Every driver is unique, which is why there’s no one best car insurance company that works for every driver.
Comparing quotes from multiple companies before you buy is really the only way to ensure that you are getting the best possible rate on your car insurance. Policygenius makes it easy to see your options, so you can feel confident you’re choosing the best policy for you.
Car insurance rates for drivers with driving violations in Milwaukee, WI
Any accidents or moving violations on your driving history will raise your rates, and if you have too many, you may find it difficult to find coverage at all. Minor violations won’t make as big a difference, but serious violations can make a big impact.
Violation | USAA | Auto-Owners Insurance | GEICO | Integrity Insurance | SECURA |
|---|---|---|---|---|---|
At-fault accident | $1,104 | $1,275 | $2,002 | $1,598 | $1,939 |
DUI | $1,449 | $2,135 | $2,339 | $1,379 | $2,657 |
Suspended license | $1,406 | $2,135 | $2,839 | $1,660 | $2,657 |
Open container | $1,143 | $2,135 | $2,339 | $1,379 | $1,388 |
Expired registration | $794 | $2,135 | $1,226 | $1,429 | $1,231 |
Driving without lights | $794 | $1,070 | $1,526 | $1,230 | $1,388 |
Running a red light | $931 | $1,070 | $1,526 | $1,429 | $1,388 |
Following too closely | $931 | $1,070 | $1,526 | $1,429 | $1,388 |
Hit and run | $1,487 | $2,135 | $2,661 | $1,660 | $2,657 |
Not-at-fault accident | $794 | $1,070 | $1,148 | $1,230 | $1,254 |
Passing a school bus | $1,143 | $1,198 | $1,526 | $1,429 | $1,609 |
Reckless driving | $1,143 | $2,135 | $2,661 | $1,660 | $2,657 |
Speeding | $931 | $2,986 | $2,661 | $1,429 | $1,609 |
Cheapest car insurance for drivers with a DUI in Milwaukee, WI
Company | Rates for drivers with DUIs |
|---|---|
Integrity Insurance | $1,379 |
USAA | $1,449 |
Auto-Owners Insurance | $2,135 |
GEICO | $2,339 |
SECURA | $2,657 |
Cheapest car insurance for drivers with a speeding ticket in Milwaukee, WI
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $931 |
Integrity Insurance | $1,429 |
SECURA | $1,609 |
GEICO | $2,661 |
Auto-Owners Insurance | $2,986 |
Cheapest car insurance for drivers with bad credit in Milwaukee, WI
Generally, the lower your credit score, the higher your insurance premiums will be. But Milwaukee drivers with poor credit can still find affordable rates — it’s just that much more important to shop around and find your best option.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,373 |
GEICO | $1,619 |
SECURA | $1,800 |
Integrity Insurance | $1,873 |
American Family | $2,424 |
Buying car insurance in Milwaukee, WI
All drivers in Milwaukee are required to have the minimum amounts of car insurance required in Wisconsin. Those minimum amounts are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $10,000
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
Wisconsin is an at-fault state, meaning that the insurance company of the driver determined to be at fault in an accident will pay for the other party’s repair costs and medical bills. However, Wisconsin does have modified comparative negligence laws, which means that a percentage of fault can be assigned for each driver.
How to get cheap car insurance in Milwaukee, WI
Most car insurance companies offer a range of discounts that can help you save money on car insurance. Make sure you know which ones you qualify for. Some of the most common discounts include:
Bundling discount
Safe driver discount
Good student discount
Low mileage discount
Multi-car discount
Military discount
Comparing rates before you buy and reshopping for car insurance every year can also help you find the best rates possible.
Frequently Asked Questions
How much does car insurance cost in Milwaukee?
On average, car insurance costs $1,523 per year in Milwaukee — less than the national average but more expensive than what most people in Wisconsin pay for coverage.
Do you need uninsured motorist insurance in Milwaukee?
Drivers in Wisconsin are required to have at least $25,000/person, $50,000/accident in uninsured/underinsured motorist coverage. This coverage pays for the costs if you’re in an accident caused by a driver who doesn’t have insurance, or whose insurance doesn’t cover the full cost of the damage.
Do you have to get car insurance in Milwaukee?
All drivers are required to get car insurance in Milwaukee — and in the rest of Wisconsin. To drive, you'll have to get liability insurance and uninsured motorist coverage. Since Wisconsin isn't a no-fault state, you won't have to get PIP insurance.
Will my gender be a factor in determining my premium in Milwaukee?
In Wisconsin, car insurance companies do factor your gender in when determining your premium, but the difference is very slight. Your ZIP code, age, and driving history have a much bigger impact on your rates.
