Cheap Auto Insurance Quotes in Milwaukee, WI (2021)

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Is there more to this city than beer and baseball? A definitive yes is the answer. Known as the “City of Festivals,” Milwaukee can always show you something to celebrate.

But comparison shopping—whether that be for car insurance or the next place you call home—isn’t a one-and-done deal. Many insurance options are out there. Having someone who can dial in all that data for you makes your best insurance choice easier to see.

Car Insurance in Milwaukee, WI

The average cost of Wisconsin car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Milwaukee, WI to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Milwaukee, WI

Here are the cheapest carriers in Milwaukee for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Milwaukee, WI

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Milwaukee. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Milwaukee, WI Driving Facts

Minimum Car Insurane Requirements in WI

Wisconsin motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000/$50,000 for Bodily Injury Liability
  • $10,000 for property damage liability
  • $25,000/$50,000 uninsured motorist coverage for bodily injury or death 

Considering the cost of medical care—and the cost of vehicles younger than six years—these minimums may not be enough to cover costs in the event of an accident. This is especially true if you typically drive with passengers in your vehicle as your insurance will be your safety net for all medical costs involved in an at-fault accident.


Milwaukee Car Insurance Rates by Driver Age

Depending on your age, you could find that living in Milwaukee means you end up paying a variety of car insurance rates over the years. Those who are new drivers under age 20 are charged the most, with premiums that average $425. Rates slowly fall over the decades to $182 for those in their 40s, bounce up again to $238 for people in their 50s, then decline even more. Motorists in their 70s pay the least, with rates at $139 a month.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$193
Speeding Ticket$236
At-Fault Accident$266
Failure to Stop for Red Light / Stop Sign$188

Milwaukee Car Insurance Rates by Driving and Accident History

Accidents and moving violations can happen in the blink of an eye, and if you’re trying to stick to a budget when it comes to car insurance, it’s best to know how your rates will change. Milwaukee drivers with a clean driving history average $192 for coverage, while an at-fault accident or speeding will raise rates to $265 and $235, respectively. Not stopping at a stop sign tends to keep premiums around the same original price, at $187.

Milwaukee Car Insurance Rates by Credit Tier

Most drivers in Milwaukee have average credit and pay around $233 for their car insurance. In this city, people find that working hard to improve their score pays off, as their premiums can drop by about $600 once they reach the excellent tier. At the lowest end of the scale, Milwaukee residents with poor credit tend to pay $245 for car insurance. Drivers here looking to lower their rates may want to focus on other factors.

Credit TieAvg. Monthly Cost

Milwaukee, WI DMV Information

The Department of Transportation is the official home for all things DMV-related in Milwaukee. Though you can complete license services and title registration with any area office, you can also take care of your titling needs in Wisconsin through what are known as third-party agents. You’ll pay a service fee of up to $10, and these service providers are available to serve you when you walk in. No appointment is necessary, and you leave with your registration sticker in hand. In Milwaukee, there are nearly 60 such service centers ready to serve you right now.

Public Transportation in Milwaukee

Milwaukee’s downtown is pretty compact and easily walkable—still, there are more ways to get around this interesting town. The Ride MCTS app offers route information and real-time bus tracking, making it a lot easier to get from one place to another without any hiccups. You can also explore the city by bike (look for the Bublr Bikes kiosks) or ferry. There are free ways to see the city, too. Downtown Milwaukee offers the HOP, a free streetcar service that connects with many Milwaukee County Transit System routes.

Conclusion: How to get the best and cheapest car insurance in Milwaukee

While Milwaukee often brings beer and baseball to mind (Go Brewers!), it’s not the only thing people there are passionate about. Like the rest of America, they are always looking for ways to live the good life without spending everything all in one place—be that time or money.

Craft beer and baseball are easy to come by here, but so is car insurance. That’s why it’s so incredible in this day and age that people still drive around without it. An estimated 14.3 percent of drivers on the road here are uninsured—a statistic you don’t ever want to tangle with. Insurify lets you avoid worrying about whether you can afford the right car insurance by giving you options for finding the best rates—from all over the place—as soon as you can.

Find local Milwaukee agents

Kilian Insurance Service 
2526 W Green Tree Rd, Milwaukee, WI 53209
J.P. and Associates 
5629 West North Avenue, Milwaukee, WI 53208
Johnson Insurance Services LLC 
333 East Wisconsin Avenue, Milwaukee, WI 53202
Schueller/Harrington & Associates, Inc. 
735 North Water Street, Milwaukee, WI 53202
Harwood Insurance & Financial Services LLC 
356 East Rosedale Avenue, Milwaukee, WI 53207
Insurance Center of Milwaukee LLC 
3662 South Howell Avenue, Milwaukee, WI 53207
Bruce Gendelman Company, Inc. 
500 West Brown Deer Road, Milwaukee, WI 53217-1627
Drive Home Insurance, Inc 
6100 N Green Bay Ave, Milwaukee, WI 53209-3814
American Advantage Insurance Group - IMC, Inc. 
788 North Jefferson Street, Milwaukee, WI 53202-3739
Robertson Ryan & Associates, Inc. 
330 East Kilbourn Avenue, Milwaukee, WI 53202-3175

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Milwaukee stacks up for the state of Wisconsin:

Honda Civic
Most Popular Car in
Milwaukee, WI
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Milwaukee, WI Car Insurance

What is medical payments coverage?

Liability insurance is part of every state’s minimum required coverage, but that only pays for the other driver’s property and medical bills when you’re at fault. On top of these minimums, you can buy optional separate insurance to cover damages and injuries that happen to you and your passengers. Medical payments insurance, or MedPay, pays medical expenses for you and any passengers who are injured during an accident or auto-related injury—no matter who’s at fault. It’s something you can use on top of your own medical insurance. Wisconsin is one of several states that requires insurance companies to offer this optional coverage, but you do have the right to decline it in writing.

How much insurance do I have to have in Wisconsin?

Every state requires drivers to carry a certain minimum amount of insurance to protect other drivers on the road. In Wisconsin, the minimum liability coverage amounts are $10,000 for property damage, $25,000 for the injury or death of one person, and $50,000 for the injury or death of more than one person. The state also requires people to carry Uninsured motorist coverage.

What is uninsured motorist coverage (UM)?

Although having auto insurance is the law in Wisconsin, not everyone abides by it. This is why the state requires people to carry a minimum amount of uninsured motorist coverage (UM). This type of coverage steps in to cover medical bills, pain and suffering, and lost wages when the person who is at fault for the accident is uninsured.