Cheapest Auto Insurance in Milwaukee, Wisconsin (2024)

USAA is the cheapest car insurance company for Milwaukee drivers. Its minimum-coverage policies start at $33 per month.

Amy Beardsley
Escrito porAmy Beardsley
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Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Konstantin Halachev
Datos revisados porKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Actualizado el 6 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
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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.

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Las tarifas más baratas encontradas recientemente en Wisconsin

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $23/mes para solo responsabilidad y $43/mes para cobertura total en Wisconsin.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Milwaukee residents pay an average of $206 per month for full-coverage car insurance and $91 for liability-only policies. Car insurance costs in Wisconsins largest city are higher than the state averages.

Located on Lake Michigan’s western shore, the Cream Citys 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 Countys 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.

Datos Breves
  • USAA, Auto-Owners, and State Farm are the three cheapest car insurance companies serving Milwaukee drivers.

  • Milwaukee drivers pay a yearly average of $2,467 for full-coverage insurance.

  • More than 1,200 accidents in Milwaukee County in 2021 involved impaired drivers, according to WDOT data. Speeding was a factor in more than 3,500 crashes in the same year.

3 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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.7$55$35Liability-only coverage
USAA4.7$43$22Veterans
GEICO4.4$61$31Drivers with a DUI
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for liability-only coverage: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
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 aaa (exceptional) to c (poor).
NR
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.
$83/mo

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.

Ventajas
  • Cheapest liability-only auto coverage in Milwaukee

  • Clear and straightforward pay-per-mile premiums

  • Customizable policy limits and coverage options

Contras
  • Limited customer service hours

  • Not the best option for high-mileage drivers

  • Online policy management not available

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$33/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.
$66/mo

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.

Ventajas
  • Specialized benefits and services for veterans

  • User-friendly mobile app

  • Strong financial standing and reliability

Contras
  • 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

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

Best insurer for drivers with a DUI: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$47/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.
$92/mo

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.

Ventajas
  • Offers SR-22 filing assistance

  • 10% discount for taking a defensive driving course

  • Various coverage options and discounts

Contras
  • Limited agent network

  • Gap insurance not available

  • Drivers with a DUI will likely pay higher rates

Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!

Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.

Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.

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 $33 per month

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $91 per month. Here are the cheapest liability-only insurance options in Milwaukee.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyAverage Monthly Quote
USAA33
Auto-Owners35
State Farm35
Erie45
GEICO47
American Family50
Mile Auto53
Chubb57
Farmers68
Nationwide68
Safeco68
Clearcover72
Progressive80
Midvale Home & Auto85
Travelers88
Liberty Mutual89
National General97
Allstate98
Dairyland103
The General121
Bristol West124
Direct Auto127
State Auto130
Foremost154
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $206 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyAverage Monthly Quote
USAA66
State Farm68
Auto-Owners69
Mile Auto83
Erie91
GEICO92
American Family98
Chubb113
Safeco115
Clearcover121
Farmers133
Nationwide134
Midvale Home & Auto157
Progressive160
Travelers172
Liberty Mutual193
Allstate195
National General228
State Auto230
Direct Auto234
The General251
Dairyland301
Bristol West341
Foremost397
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle repair or replacement from non-collision incidents, like vandalism, severe weather, fire, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $42 for drivers with an incident

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $325 per month for full-coverage car insurance and $144 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA3345
Auto-Owners3548
State Farm3548
Erie4563
GEICO4764
American Family5068
Mile Auto5378
Chubb5779
Farmers6892
Nationwide6894
Safeco6894
Clearcover7299
Progressive80110
Midvale Home & Auto85120
Travelers88121
Liberty Mutual89134
National General97146
Allstate98134
Dairyland103142
The General121167
Bristol West124168
Direct Auto127176
State Auto130192
Foremost154231
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $319 per month for full coverage and $141 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyClean Driving RecordWith Accident
USAA3346
Auto-Owners3548
State Farm3548
Erie4564
GEICO4765
American Family5069
Mile Auto5381
Chubb5780
Farmers6894
Nationwide6895
Safeco6891
Clearcover72106
Progressive80113
Midvale Home & Auto85124
Travelers88123
Liberty Mutual89134
National General97133
Allstate98136
Dairyland103143
The General121171
Bristol West124169
Direct Auto127181
State Auto130198
Foremost154233
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $360 for full coverage and $159 for liability only. Here are the cheapest insurers for Milwaukee drivers with a DUI.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyClean Driving RecordWith DUI
USAA3356
Auto-Owners3560
State Farm3560
Erie4577
GEICO4780
American Family5086
Mile Auto5383
Chubb5797
Farmers68116
Nationwide68116
Safeco68116
Clearcover72123
Progressive80137
Midvale Home & Auto85145
Travelers88150
Liberty Mutual89152
National General97166
Allstate98168
Dairyland103176
The General121207
Bristol West124212
Direct Auto127217
State Auto130222
Foremost154263
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $128 per month for full coverage and $57 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyFull CoverageLiability Only
State Farm4523
USAA4623
Auto-Owners4724
Mile Auto5435
Erie5829
GEICO6432
American Family6634
Chubb7136
Safeco8148
Clearcover8450
Nationwide8644
Farmers9046
Progressive9949
Midvale Home & Auto10356
Travelers11760
Liberty Mutual13261
Allstate13668
State Auto15487
Direct Auto15584
National General15968
The General18087
Dairyland21072
Bristol West23886
Foremost268104
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $334 per month for full coverage and $148 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance CompanyFull CoverageLiability Only
USAA10452
State Farm10956
Auto-Owners11357
GEICO13670
Erie14572
Mile Auto15398
American Family16383
Chubb198100
Nationwide216110
Farmers222114
Clearcover224134
Safeco232137
Midvale Home & Auto260141
Progressive275138
Travelers294150
Allstate323162
Liberty Mutual342158
The General384185
State Auto386218
National General403171
Direct Auto406220
Dairyland478164
Bristol West549200
Foremost666258
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Milwaukee?

Milwaukee drivers pay an average of $91 per month for liability-only car insurance, while the state average is just $61 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 $206 per month for full-coverage insurance. See how average monthly rates compare in other cities in the state.

CityFull CoverageLiability Only
Kenosha$142$69
Madison$125$60
Racine$136$73
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Milwaukee car insurance FAQs

Before you start shopping around for coverage, you should determine how much coverage you need and the type of insurer you want to work with. The information below should help you navigate some of your remaining questions about finding auto coverage in Milwaukee.

  • How much is car insurance in Milwaukee?

    Car insurance in Milwaukee costs an average of $206 per month for full coverage and $91 for liability only. Ultimately, your specific premium depends on your driving record, age, credit history, vehicle type, chosen coverage, and more.

  • What are the cheapest car insurance companies in Milwaukee?

    USAA is the cheapest insurer in Milwaukee, offering liability-only policies for as little as $33 per month. But USAA may not be the right company for everyone.

    Milwaukee drivers can also find affordable coverage through the citys second- and third-largest companies, Auto-Owners and State Farm, which have liability-only rates as low as $35 and $35, respectively.

  • What are the best car insurance companies in Milwaukee?

    With an Insurify Quality (IQ) Score of 4.7 out of 5 and an AM Best financial strength rating of A++ (Superior), USAA is the best car insurance company in Milwaukee. The company only offers coverage to military members and eligible family members, so you may need to look elsewhere. Other top insurers in Milwaukee include State Farm, Erie, and GEICO.

  • Do you need car insurance in Wisconsin?

    Yes. You need to purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $10,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist coverage. Failure to carry this coverage can result in a fine of up to $500.[5]

  • What is public transportation like in Milwaukee?

    The Milwaukee County Transit System operates a system of bus routes in the downtown area and throughout the rest of the county, making public transportation fairly accessible. If you’re traveling within the downtown area, you’ll find that it’s very walkable. That said, most people in Milwaukee drive themselves to work every day.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage#."
  2. Wisconsin Office of the Commissioner of Insurance. "Consumer’s Guide to Auto Insurance."
  3. WDOT. "Wisconsin's Point System."
  4. WDOT. "Traffic Convictions Entered on Driver Record File January - December 2022."
  5. State of Wisconsin Department of Transportation. "Minimum insurance requirements."
Amy Beardsley
Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Katie Powers
Editado porKatie PowersEscritora de seguros
Photo of an Insurify author
Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Konstantin Halachev
Datos revisados porKonstantin HalachevVP of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

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