Cheapest Auto Insurance in Milwaukee, Wisconsin (2025)

Milwaukee residents pay an average of $177 per month for full-coverage car insurance and $105 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 $47/mo*	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 $70/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $95/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $73/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $123/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $139/mo*
Overall rating 4.9 1,195 reviews	Overall rating 4.1 6,051 reviews	Overall rating 4.0 6,437 reviews	Overall rating 3.8 1,177 reviews	Overall rating 3.3 6,935 reviews	Overall rating 4.7 472 reviews	Overall rating 3.9 3,659 reviews
Value for money 4.9/5	Value for money 3.8/5	Value for money 3.8/5	Value for money 3.6/5	Value for money 3.3/5	Value for money 4.4/5	Value for money 3.6/5
Customer service 4.7/5	Customer service 4.1/5	Customer service 3.9/5	Customer service 3.8/5	Customer service 3.3/5	Customer service 4.4/5	Customer service 3.8/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 4.7/5	Claims handling 3.9/5
Special highlight AI-generated from 1195 user reviews Members of the military community	Special highlight AI-generated from 6051 user reviews Customer service	Special highlight AI-generated from 6437 user reviews Teen drivers	Special highlight AI-generated from 1177 user reviews Bundling discounts	Special highlight AI-generated from 6935 user reviews Competitive rates	Special highlight AI-generated from 472 user reviews Numerous discounts	Special highlight AI-generated from 3659 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

Compare Quotes

User Reviews	4.1 45 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.	$63/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.	$99/mo

Hide Details

Driver Reviews

4.1

Best choiceBased on 123 verified guest 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 (45)

Arthur

Verified Purchase

Excellent

Reviewed in on June 2025

Good rates based on mileage!

Monica Jo

Verified Review

Inexpensive, but No Full Coverage

Reviewed in Ohio on June 2025

If you drive a lot, this isn't the insurance for you! They charge per mile.

Betty

Verified Purchase

Loving it with bumps...

Reviewed in on June 2025

I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.

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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

Compare Quotes

User Reviews	4.9 1,195 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.	$53/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.	$85/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,108 verified guest 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 (1,195)

William

Verified Review

May find more affordable.

Reviewed in Washington on July 2025

Great service, too high premiums.

Errin

Verified Review

They Could Do Better!

Reviewed in Florida on July 2025

Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.

Herbert

Verified Review

Personally beneficial

Reviewed in Maryland on July 2025

Very easy to work with.

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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

Compare Quotes

User Reviews	4.0 6,437 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.	$82/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.	$123/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 12,005 verified guest 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 (6,437)

Jon

Verified Review

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Reviewed in Washington on July 2025

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Richard

Verified Review

Pricing Information

Reviewed in Florida on July 2025

They quoted me one price, but when I called them back, they gave me another, higher price.

Jacq

Verified Review

My policy is expensive and customer service is lacking

Reviewed in New Jersey on July 2025

I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.

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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 $53 per month

Enter your ZIP codeView My Quotes

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Based on 3,806+ reviews

4.8/5

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 $105 per month. Here are the cheapest liability-only insurance options in Milwaukee.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$53
State Farm	$54
Auto-Owners	$56
Progressive	$71
Erie	$73
American Family	$79
GEICO	$82
Direct Auto	$93
Chubb	$93
Safeco	$95
Dairyland	$95
Bristol West	$100
Farmers	$107
Nationwide	$109
GAINSCO	$113
Root	$118
The General	$126
Travelers	$140
Allstate	$157
National General	$159
Liberty Mutual	$172
State Auto	$207

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $177 for full-coverage insurance. You can find the cheapest full-coverage car insurance options in Milwaukee below.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$85
State Farm	$88
Auto-Owners	$90
Erie	$118
GEICO	$123
American Family	$128
Progressive	$144
Chubb	$147
Safeco	$157
Farmers	$172
Nationwide	$173
Direct Auto	$178
Bristol West	$198
Travelers	$222
Root	$229
Allstate	$250
Liberty Mutual	$254
National General	$259
The General	$275
Dairyland	$320
State Auto	$330
GAINSCO	$385

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $61 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $217 per month for full-coverage car insurance and $129 for liability only. Here are the cheapest car insurance options in Milwaukee if you have a speeding ticket.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$53	$65
State Farm	$54	$65
Auto-Owners	$56	$69
Progressive	$71	$87
Erie	$73	$93
American Family	$79	$97
GEICO	$82	$103
Direct Auto	$93	$114
Chubb	$93	$114
Safeco	$95	$119
Dairyland	$95	$116
Bristol West	$100	$124
Farmers	$107	$131
Nationwide	$109	$134
GAINSCO	$113	$132
Root	$118	$153
The General	$126	$162
Travelers	$140	$173
Allstate	$157	$191
National General	$159	$194
Liberty Mutual	$172	$214
State Auto	$207	$256

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $217 per month for full coverage and $129 for liability only. Here are the cheapest monthly rates for drivers with an at-fault accident in Milwaukee.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
USAA	$53	$66
State Farm	$54	$67
Auto-Owners	$56	$70
Progressive	$71	$87
Erie	$73	$89
American Family	$79	$99
GEICO	$82	$96
Direct Auto	$93	$119
Chubb	$93	$115
Safeco	$95	$125
Dairyland	$95	$118
Bristol West	$100	$125
Farmers	$107	$133
Nationwide	$109	$136
GAINSCO	$113	$137
Root	$118	$147
The General	$126	$164
Travelers	$140	$175
Allstate	$157	$195
National General	$159	$196
Liberty Mutual	$172	$217
State Auto	$207	$261

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $285 for full coverage and $169 for liability only. Here are the cheapest insurers for Milwaukee drivers with a DUI.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
USAA	$53	$81
State Farm	$54	$83
Auto-Owners	$56	$86
Progressive	$71	$114
Erie	$73	$112
American Family	$79	$121
GEICO	$82	$126
Direct Auto	$93	$143
Chubb	$93	$143
Safeco	$95	$152
Dairyland	$95	$146
Bristol West	$100	$154
Farmers	$107	$164
Nationwide	$109	$167
GAINSCO	$113	$173
Root	$118	$181
The General	$126	$193
Travelers	$140	$215
Allstate	$157	$241
National General	$159	$244
Liberty Mutual	$172	$264
State Auto	$207	$318

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $81 for liability only. You can find the cheapest monthly rates for senior drivers in Milwaukee below.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
USAA	$65	$40
State Farm	$65	$40
Auto-Owners	$68	$43
Erie	$86	$53
GEICO	$92	$61
American Family	$96	$60
Chubb	$103	$65
Progressive	$111	$55
Nationwide	$123	$78
Farmers	$128	$80
Safeco	$129	$78
Direct Auto	$132	$69
Bristol West	$153	$77
Travelers	$165	$104
Root	$184	$95
National General	$188	$116
Allstate	$192	$121
Liberty Mutual	$201	$136
The General	$210	$96
State Auto	$239	$150
Dairyland	$247	$73
GAINSCO	$304	$89

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $356 per month for full coverage and $211 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

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Insurance Company	Full Coverage	Liability Only
USAA	$162	$101
Auto-Owners	$170	$106
State Farm	$173	$106
GEICO	$229	$153
Erie	$232	$144
American Family	$248	$153
Progressive	$290	$143
Chubb	$322	$204
Safeco	$335	$202
Farmers	$339	$211
Nationwide	$348	$219
Direct Auto	$364	$190
Bristol West	$371	$188
Root	$416	$214
Travelers	$455	$287
Liberty Mutual	$478	$324
The General	$494	$226
Allstate	$510	$320
National General	$548	$336
Dairyland	$559	$166
GAINSCO	$751	$220
State Auto	$819	$514

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $105 per month for liability-only car insurance, while the state average is just $65 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 $177 per month for full-coverage insurance. See how average monthly rates compare in other cities in the state.

City	Full Coverage	Liability Only
Kenosha	$131	$84
Madison	$118	$68
Racine	$129	$86

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Milwaukee car insurance FAQs