120+ more*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on August 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on August 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
USAA is the cheapest car insurance company for Milwaukee drivers.
The average cost of car insurance in Milwaukee is $127 per month, which is slightly above the Wisconsin state average.
Reckless driving is a big problem in Milwaukee, and fatal crashes increased 22% from 2020 to 2022.[1]
Car insurance in Milwaukee costs an average of $127 per month. State-minimum coverage averages $73 per month, and full coverage averages $180 per month.
Milwaukee has a much higher vehicle theft rate than other cities in Wisconsin, like Madison and Green Bay. The city also faces severe weather risks like extreme cold, flooding, and tornadoes.[2] These factors are a few reasons why Milwaukee’s rates are typically above the state average.
The following table shows how average rates in Milwaukee compare to the Wisconsin state average, according to Insurify data.
Car Insurance Costs in Milwaukee vs. Wisconsin | Average Monthly Quote |
|---|---|
| Milwaukee average | $127 |
| Wisconsin average | $92 |
USAA is the cheapest company for liability-only coverage in Milwaukee, at $41 per month. Progressive offers the cheapest full-coverage car insurance, with policies averaging $80 per month.
But the exact cost of your car insurance policy depends on many different factors. Your driving history, insurance company, ZIP code, and other personal details all affect your rates. It’s helpful to shop around and compare car insurance quotes in Milwaukee to find the best price.
Compare rates as low as $41 per month
Milwaukee drivers face common challenges that come with living in an urban city. Major routes like Interstate 94, I-43, and I-794 have high traffic, especially during rush hour and around the Marquette Interchange. But the average commute time in Milwaukee is just 22 minutes, which is fairly short for a major urban area.[3]
Winter weather is one of the biggest factors Milwaukee drivers need to plan for. Snow and ice can lead to blocked roads and potholes, particularly on older city streets. Flooding can also occur in low-lying areas near the Menomonee River after heavy rainfall.
Street parking is also common in many neighborhoods, increasing your risk of damage or theft. Milwaukee ranked No. 25 in the country for vehicle thefts in the first half of 2025.
Vehicle theft is a significant problem in Milwaukee. But recent data shows some improvement. Milwaukee reported 2,477 vehicle thefts in the first half of 2025, which is down 7% from the same period in 2024, according to the National Insurance Crime Bureau.
But even with that decline, Milwaukee still has a big car-theft problem compared to other U.S. metro areas. More vehicle thefts directly affect what drivers pay for car insurance in Milwaukee. Insurers factor in both the likelihood of theft and the cost of claims when setting premiums.
Car insurance in Milwaukee is more expensive than in other Wisconsin cities. Auto premiums in the city average $127 per month. By comparison, rates average $80 per month in Madison and $95 per month in Kenosha.
Milwaukee has a higher rate of vehicle thefts than the other two cities, which increases car insurance rates. Madison also has less traffic than Milwaukee, while Kenosha’s smaller size helps keep its premiums low.
The table below shows how Milwaukee car insurance rates compare to those in other Wisconsin cities, according to Insurify data.
Traffic in Milwaukee is pretty manageable compared to larger metros, but congestion still affects car insurance costs. Drivers should be especially careful near the Marquette and Zoo interchanges, where merging traffic and construction increase the risk of accidents.
The average commute in Milwaukee is 22 minutes. But drivers still lost 57 hours due to traffic congestion in 2024, according to the Texas A&M Transportation Institute.[4] Stop-and-go traffic increases the likelihood of rear-end collisions, which insurers factor into your premiums.
Milwaukee drivers pay an average of $73 per month for liability car insurance. USAA offers the cheapest liability coverage in the city, at an average of $41 per month.
Liability coverage is typically the cheapest car insurance you can buy, but it only covers injuries and damages you cause to others in an accident. Full-coverage car insurance is typically more expensive, but it also covers you and your vehicle.
All Wisconsin drivers must meet the following car insurance requirements:[5]
$25,000 per accident of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$10,000 per accident of property damage liability coverage
The following table shows the lowest liability-only car insurance rates in Milwaukee.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $41 |
| Auto-Owners | $43 |
| State Farm | $43 |
| Certainly | $54 |
| Erie | $58 |
| GEICO | $58 |
| First Chicago | $59 |
| American Family | $61 |
| Progressive | $61 |
| Chubb | $72 |
| GAINSCO | $76 |
| Direct Auto | $77 |
| Safeco | $77 |
| Farmers | $83 |
| The General | $83 |
| Dairyland | $86 |
| National General | $86 |
| Bristol West | $91 |
| Liberty Mutual | $94 |
| Travelers | $108 |
| Root | $110 |
| Allstate | $121 |
| State Auto | $160 |
Full-coverage car insurance in Milwaukee typically costs more than the state average. But Milwaukee drivers may want to opt for full coverage to protect against the risk of vehicle theft, which liability insurance doesn’t cover.
In Milwaukee, full-coverage car insurance costs an average of $180 per month. Progressive has the cheapest full-coverage rates in the city, at an average of $80 per month.
The table below outlines the cheapest Milwaukee full-coverage car insurance companies.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $80 |
| USAA | $83 |
| State Farm | $86 |
| Auto-Owners | $87 |
| Erie | $115 |
| GEICO | $116 |
| American Family | $124 |
| Certainly | $128 |
| Safeco | $133 |
| Chubb | $142 |
| Direct Auto | $157 |
| Farmers | $167 |
| Liberty Mutual | $167 |
| First Chicago | $192 |
| Root | $204 |
| Bristol West | $211 |
| Travelers | $217 |
| National General | $226 |
| Allstate | $244 |
| The General | $244 |
| Dairyland | $279 |
| GAINSCO | $284 |
| State Auto | $323 |
*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on August 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Milwaukee, Wisconsin within the last 10 days. Last updated on August 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Milwaukee, 5% of drivers have a ticket on their record, according to Insurify data. That’s slightly lower than most other Wisconsin cities. Speeding tickets in Wisconsin cost between $200 and $800, depending on where you’re ticketed and how fast you were going.[6]
Milwaukee drivers with a recent ticket pay an average of $163 per month for car insurance.
If you have a speeding ticket in Milwaukee, check out the cheapest insurers in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| State Farm | $55 |
| Auto-Owners | $57 |
| Certainly | $69 |
| First Chicago | $76 |
| GEICO | $77 |
| Erie | $77 |
| Progressive | $78 |
| American Family | $80 |
| GAINSCO | $92 |
| Chubb | $93 |
| Direct Auto | $98 |
| Safeco | $102 |
| Farmers | $107 |
| Dairyland | $108 |
| National General | $109 |
| The General | $113 |
| Bristol West | $116 |
| Liberty Mutual | $121 |
| Root | $133 |
| Travelers | $141 |
| Allstate | $159 |
| State Auto | $215 |
According to Insurify data, 4% of Milwaukee drivers have an at-fault accident on their record. Wisconsin is an at-fault state, meaning the person who caused the accident is responsible for the damages.
Milwaukee drivers with a recent accident pay an average of $168 per month for auto coverage.
These are the cheapest insurers for drivers in Milwaukee with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $55 |
| State Farm | $57 |
| Auto-Owners | $57 |
| Certainly | $71 |
| GEICO | $77 |
| Erie | $78 |
| First Chicago | $78 |
| Progressive | $81 |
| American Family | $82 |
| Chubb | $96 |
| GAINSCO | $97 |
| Direct Auto | $105 |
| Safeco | $107 |
| Farmers | $111 |
| Dairyland | $114 |
| The General | $114 |
| National General | $115 |
| Bristol West | $120 |
| Liberty Mutual | $125 |
| Root | $138 |
| Travelers | $146 |
| Allstate | $163 |
| State Auto | $219 |
In Milwaukee, 1% of drivers have an operating while intoxicated (OWI) conviction on their record, Insurify data shows. Wisconsin takes OWI enforcement seriously, and the state has trained more than 6,600 law enforcement officers in Advanced Roadside Impaired Driving Enforcement (ARIDE). ARIDE helps law enforcement detect impaired drivers and get them off the road.[7]
Drivers in Milwaukee with an OWI pay an average of $161 per month for car insurance. Check out the cheapest insurance companies for Milwaukee drivers with an OWI in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $55 |
| USAA | $55 |
| State Farm | $58 |
| Certainly | $68 |
| First Chicago | $75 |
| Progressive | $77 |
| GEICO | $78 |
| American Family | $79 |
| Erie | $79 |
| Chubb | $97 |
| GAINSCO | $103 |
| Direct Auto | $104 |
| The General | $109 |
| Farmers | $112 |
| Safeco | $115 |
| Dairyland | $116 |
| National General | $116 |
| Bristol West | $123 |
| Liberty Mutual | $127 |
| Travelers | $146 |
| Root | $149 |
| Allstate | $164 |
| State Auto | $208 |
In Wisconsin, teen drivers younger than age 18 can get a probationary license. This license restricts who they can drive with and prohibits them from driving between midnight and 5 a.m.[8]
On average, Milwaukee teens pay $230 per month for car insurance.
The following table shows the cheapest rates for teenage drivers in Milwaukee.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Auto-Owners | $86 |
| Certainly | $98 |
| GEICO | $105 |
| Erie | $106 |
| First Chicago | $107 |
| Progressive | $111 |
| American Family | $115 |
| GAINSCO | $133 |
| Chubb | $147 |
| Dairyland | $149 |
| The General | $149 |
| Direct Auto | $149 |
| Safeco | $156 |
| Bristol West | $161 |
| Liberty Mutual | $164 |
| Farmers | $165 |
| Root | $166 |
| National General | $171 |
| Travelers | $223 |
| Allstate | $237 |
| State Auto | $384 |
Find the coverage you need at the best price in Milwaukee
Milwaukee has a growing senior population, with more than 17% of residents aged 65 or older.[9] Older drivers typically pay the lowest insurance rates because they tend to drive less and have safer driving habits.
Milwaukee seniors pay an average of $106 per month for car insurance. The table below shows the cheapest rates for senior drivers in Milwaukee.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $33 |
| State Farm | $33 |
| Auto-Owners | $33 |
| Erie | $44 |
| Certainly | $45 |
| GEICO | $45 |
| American Family | $48 |
| First Chicago | $49 |
| Progressive | $51 |
| Chubb | $53 |
| Direct Auto | $62 |
| GAINSCO | $64 |
| Farmers | $65 |
| Safeco | $66 |
| National General | $66 |
| The General | $69 |
| Dairyland | $72 |
| Bristol West | $75 |
| Liberty Mutual | $77 |
| Travelers | $85 |
| Allstate | $96 |
| Root | $99 |
| State Auto | $118 |
Below, we answered some common questions from drivers in Milwaukee. Use them to help you find the cheapest car insurance in the city.
Car insurance in Milwaukee costs an average of $127 per month, according to Insurify data. But your exact rate will vary based on factors including your driving record, ZIP code, credit history, and the coverage you choose.
It depends on the coverage you choose. Liability insurance in Milwaukee covers damages and injuries you cause to others, but not your medical bills or repair costs. Full coverage includes liability, collision, and comprehensive coverage, which covers your injuries and damages. It also covers things like theft, weather-related damage, and vandalism.
USAA is the cheapest car insurance company, with an average rate of $41 per month. But how much you pay for car insurance depends on various factors, like your age, driving record, and ZIP code. Comparing rates from multiple companies can help you find the best price.
Wisconsin drivers must have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, plus $10,000 of property damage liability. But liability coverage isn’t enough for most drivers, so you may want to consider a full-coverage auto insurance policy.
Yes, $200 per month is higher than the average car insurance rate in Milwaukee. The city’s average car insurance rate is $127 per month. You can save money by asking your insurer if you qualify for any discounts. Comparing rates from different companies can also help you find the best price for your coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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)
)
)
)
)
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
