The best car insurance in Milwaukee, WI

Meredith Napolitano

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.

Published November 17, 2021

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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

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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

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

Driving with a suspended license

$1,406

$2,146

$2,839

$1,660

$1,316

Driving with an open container

$1,143

$2,146

$2,339

$1,379

$1,316

Driving with expired registration

$794

$2,146

$1,226

$1,429

$1,316

Driving without Lights

$794

$1,082

$1,526

$1,230

$1,316

Failure to show documents

$794

$2,146

$1,226

$1,230

$1,316

Failure to stop at a red light

$931

$1,082

$1,526

$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

Why do I need uninsured/underinsured motorist coverage?

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.

As a new driver, when will my rates go down?

Generally speaking, your rates will begin to drop at age 25, when you enter a less high-risk age group. Keeping a clean driving record as a young driver is the best way to ensure that your rates will go down over time.

Will my gender be a factor in determining my premium?

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.