Cheapest Auto Insurance in Milwaukee, Wisconsin (2026)

Milwaukee residents pay an average of $169 per month for full-coverage car insurance and $94 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.

7 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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $49/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $51/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $68/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $99/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $129/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $128/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $144/mo*
Overall rating 4.9 1,449 reviews	Overall rating 4.0 7,044 reviews	Overall rating 4.0 7,316 reviews	Overall rating 3.7 1,118 reviews	Overall rating 3.2 8,011 reviews	Overall rating 4.7 557 reviews	Overall rating 3.8 4,211 reviews
Value for money 4.9/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 3.2/5	Value for money 3.0/5	Value for money 4.2/5	Value for money 3.3/5
Customer service 4.8/5	Customer service 4.2/5	Customer service 4.0/5	Customer service 3.7/5	Customer service 3.3/5	Customer service 4.6/5	Customer service 3.8/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.9/5	Claims handling 3.3/5	Claims handling 4.7/5	Claims handling 3.8/5
Special highlight AI-generated from 1449 user reviews Members of the military community	Special highlight AI-generated from 7044 user reviews Customer service	Special highlight AI-generated from 7316 user reviews Teen drivers	Special highlight AI-generated from 1118 user reviews Bundling discounts	Special highlight AI-generated from 8011 user reviews Competitive rates	Special highlight AI-generated from 557 user reviews Numerous discounts	Special highlight AI-generated from 4211 user reviews Accident forgiveness

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for liability-only coverage: Mile Auto

Liability-Only Coverage

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User Reviews	4.5 65 reviews
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.	8.8 /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.	$70/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.	$119/mo

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Driver Reviews

4.5

Best choiceBased on 188 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Reviews (65)

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Hiram

Verified Purchase

Try Them, Then You Will See

Reviewed in Tennessee on December 22, 2025

You won't know until you try them. They are good.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.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).

NR

Why 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

Veterans

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User Reviews	4.9 1,449 reviews
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.	9.1 /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.	$54/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.	$96/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,956 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,449)

Charles

Verified Review

Costs Too Much

Reviewed in Florida on February 16, 2026

Great insurance, except they are twice the price of everyone else. Lots of discounts, but without the discounts, they are four times as much as other insurance companies. Basically, the only thing wrong with them is the price.

David

Verified Review

An Insurance Company in Decline

Reviewed in North Carolina on February 15, 2026

They use computers extensively without regard to driving history, etc. There is no one to discuss how a rate can be adjusted, as the computer decides everything. In essence, there is no human underwriting.

Russell

Verified Review

Good insurance - Super expensive premiums

Reviewed in Florida on February 14, 2026

The product is good. The price is not. Very expensive. The service is excellent, but the insurance is expensive. Customer service is very good, but the price is expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

Drivers With a DUI

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User Reviews	4.0 7,316 reviews
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.	9.2 /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.	$76/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.	$135/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 15,321 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,316)

Steven

Verified Review

Greedy and we need to find a solution.

Reviewed in New Jersey on February 16, 2026

Our rates doubled within a few years, even though we have a clean driving record.

James

Verified Review

I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.

Reviewed in Florida on February 16, 2026

I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.

Susan

Verified Review

Too Expensive

Reviewed in Florida on February 16, 2026

Too expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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 $54 per month

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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 $94 per month. Here are the cheapest liability-only insurance options in Milwaukee.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$54
State Farm	$56
Auto-Owners	$57
GEICO	$76
Erie	$76
American Family	$82
Safeco	$90
Direct Auto	$93
Chubb	$94
Dairyland	$96
GAINSCO	$99
Bristol West	$102
Farmers	$110
Nationwide	$111
The General	$113
Root	$118
National General	$128
Liberty Mutual	$138
Travelers	$142
Allstate	$161
State Auto	$212

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $169 for full-coverage insurance. You can find the cheapest full-coverage car insurance options in Milwaukee below.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$96
State Farm	$101
Auto-Owners	$102
Erie	$133
GEICO	$135
American Family	$144
Safeco	$158
Direct Auto	$167
Chubb	$167
Farmers	$195
Liberty Mutual	$198
Nationwide	$198
Bristol West	$217
Root	$224
National General	$234
Travelers	$252
The General	$254
Allstate	$285
GAINSCO	$350
Dairyland	$351
State Auto	$376

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $67 for drivers with an incident

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4.7 out of 5 based on 11,866 reviews

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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 $216 per month for full-coverage car insurance and $120 for liability only. Here are the cheapest car insurance options in Milwaukee if you have a speeding ticket.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$54	$70
State Farm	$56	$72
Auto-Owners	$57	$75
GEICO	$76	$100
Erie	$76	$101
American Family	$82	$107
Safeco	$90	$120
Direct Auto	$93	$118
Chubb	$94	$121
Dairyland	$96	$120
GAINSCO	$99	$119
Bristol West	$102	$130
Farmers	$110	$142
Nationwide	$111	$145
The General	$113	$152
Root	$118	$159
National General	$128	$161
Liberty Mutual	$138	$177
Travelers	$142	$186
Allstate	$161	$212
State Auto	$212	$285

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $218 per month for full coverage and $121 for liability only. Here are the cheapest monthly rates for drivers with an at-fault accident in Milwaukee.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$54	$71
State Farm	$56	$73
Auto-Owners	$57	$74
GEICO	$76	$97
Erie	$76	$99
American Family	$82	$108
Safeco	$90	$124
Direct Auto	$93	$125
Chubb	$94	$123
Dairyland	$96	$125
GAINSCO	$99	$125
Bristol West	$102	$132
Farmers	$110	$145
Nationwide	$111	$147
The General	$113	$154
Root	$118	$155
National General	$128	$168
Liberty Mutual	$138	$181
Travelers	$142	$188
Allstate	$161	$213
State Auto	$212	$286

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $211 for full coverage and $117 for liability only. Here are the cheapest insurers for Milwaukee drivers with a DUI.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$54	$73
State Farm	$56	$76
Auto-Owners	$57	$77
GEICO	$76	$103
Erie	$76	$103
American Family	$82	$111
Safeco	$90	$131
Direct Auto	$93	$126
Chubb	$94	$127
Dairyland	$96	$130
GAINSCO	$99	$134
Bristol West	$102	$138
Farmers	$110	$149
Nationwide	$111	$150
The General	$113	$153
Root	$118	$162
National General	$128	$174
Liberty Mutual	$138	$187
Travelers	$142	$192
Allstate	$161	$218
State Auto	$212	$287

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $136 per month for full coverage and $75 for liability only. You can find the cheapest monthly rates for senior drivers in Milwaukee below.

The below rates in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$75	$42
State Farm	$76	$42
Auto-Owners	$78	$43
Erie	$98	$56
GEICO	$103	$58
American Family	$111	$63
Chubb	$121	$68
Direct Auto	$129	$72
Safeco	$133	$76
Nationwide	$146	$82
Farmers	$149	$84
Liberty Mutual	$159	$111
Bristol West	$174	$82
National General	$177	$97
Root	$181	$95
Travelers	$194	$109
The General	$206	$91
Allstate	$223	$126
State Auto	$274	$155
GAINSCO	$286	$81
Dairyland	$288	$79

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee 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 $326 per month for full coverage and $181 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 in Milwaukee, WI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$183	$103
State Farm	$201	$112
Auto-Owners	$210	$118
GEICO	$249	$140
Erie	$251	$144
American Family	$280	$160
Safeco	$328	$187
Direct Auto	$332	$185
Chubb	$355	$200
Liberty Mutual	$360	$251
Nationwide	$398	$223
Farmers	$398	$225
Bristol West	$399	$188
Root	$400	$210
The General	$459	$204
National General	$487	$266
Travelers	$537	$302
Allstate	$580	$328
Dairyland	$611	$167
GAINSCO	$662	$187
State Auto	$936	$528

Disclaimer: Table data sourced from real-time Milwaukee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Milwaukee may vary based on the policy buyer's unique driver profile.

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.

Is car insurance more expensive in Milwaukee?

Milwaukee drivers pay an average of $94 per month for liability-only car insurance, while the state average is just $58 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 $169 per month for full-coverage insurance. See how average monthly rates compare in other cities in the state.

City	Full Coverage	Liability Only
Kenosha	$116	$81
Madison	$109	$62
Racine	$124	$80

Disclaimer: Table data is based on real-time Milwaukee quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Milwaukee car insurance FAQs