The best car insurance in Milwaukee, Wisconsin

Meredith Napolitano Andrew Hurst

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated|3 min read

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The average cost of a full coverage car insurance policy in Milwaukee is $1,490, significantly higher than the Wisconsin state average of $1,062. 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.

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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.

Key takeaways

  • USAA has the lowest average rate for full coverage in Milwaukee at an average of $751 a year

  • USAA also offers the lowest rates for drivers with bad credit in Milwaukee

  • Drivers in Wisconsin must have at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and $10,000 in property damage liability coverage 

  • Wisconsin drivers are also required to have a minimum amount of uninsured/underinsured motorist coverage

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

$1,065

890

GEICO

$1,072

871

Integrity Insurance

$1,100

--

State Farm

$1,187

881

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

53202

$1,332

53203

$1,550

53204

$1,626

53205

$1,749

53206

$1,801

53207

$1,216

53208

$1,641

53209

$1,478

53210

$1,659

53211

$1,233

53212

$1,711

53215

$1,400

53216

$1,736

53218

$1,598

53219

$1,209

53221

$1,198

53222

$1,312

53223

$1,381

53224

$1,348

53225

$1,464

53233

$1,648

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

State Farm

At-fault accident

$1,104

$1,286

$2,002

$1,598

$1,427

DUI

$1,449

$2,146

$2,339

$1,379

$1,316

Suspended license

$1,406

$2,146

$2,839

$1,660

$1,316

Open container

$1,143

$2,146

$2,339

$1,379

$1,316

Expired registration

$794

$2,146

$1,226

$1,429

$1,316

Driving without lights

$794

$1,082

$1,526

$1,230

$1,316

Not showing documents

$794

$2,146

$1,226

$1,230

$1,316

Running a red light

$931

$1,082

$1,526

$1,429

$1,316

Failure to yield

$931

$1,082

$1,526

$1,429

$1,316

Following too closely

$931

$1,082

$1,526

$1,429

$1,316

Hit and run

$1,487

$2,146

$2,470

$1,660

$1,316

Illegal turn

$931

$1,082

$1,526

$1,429

$1,316

Improper passing

$931

$1,209

$1,526

$1,429

$1,316

Not-at-fault accident

$794

$1,082

$1,148

$1,230

$1,206

Passing a school bus

$1,143

$1,209

$1,526

$1,429

$1,316

Racing

$1,449

$2,997

$2,661

$1,660

$1,316

Reckless driving

$1,143

$2,146

$2,661

$1,660

$1,316

Speeding

$931

$2,997

$2,661

$1,429

$1,316

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

Integrity Insurance

$1,873

American Family

$2,420

West Bend Mutual

$2,447

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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 $1,490 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.

Methodology

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.

Authors

Freelance contributor

Meredith Napolitano

Freelance contributor

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As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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