Compare Cheap Car Insurance Quotes in Milwaukee, Wisconsin
Find Cheap Auto Insurance Quotes in Milwaukee
In Milwaukee, Erie offered the best rates for minimum-coverage car insurance policies, our analysis found. The company charged $41 per month, $494 per year, for minimum coverage.
American Family offered the best rates for full coverage, at $1,425 per year.
Drivers in Milwaukee, the largest city in Wisconsin, pay more for coverage than the average Wisconsinite. Rates were 31% higher for full coverage and 60% higher for minimum coverage.
Before purchasing car insurance, we recommend you compare multiple quotes. Rates may vary depending on your background and driving history, and companies offer different rates and discounts.
Cheapest auto insurance in Milwaukee: Erie
Erie, American Family and SECURA are your best options for minimum liability car insurance in Milwaukee, our analysis found. The three insurers' rates were at least $13 less per month than the average in the city.
Erie was the cheapest, coming in at $41 per month, or $494 per year, a savings of $333 compared to the average. American Family was second on the list, at $46 per month, with SECURA in third, at $56 per month. State Farm's rate of $69 per month was the only other company below the average.
Find Cheap Auto Insurance Quotes in Milwaukee
Although minimum liability protection satisfies legal requirements, it could leave you in an expensive spot if you're at fault in an accident. More coverage can protect you if you have an expensive vehicle, or if another driver incurs serious medical costs.
Cheapest car insurance in Milwaukee, WI
Company | Average annual cost | |
|---|---|---|
| Erie | $494 |
| American Family | $551 |
| SECURA | $673 |
| State Farm | $802 |
| Artisan and Truckers | $861 |
Cheapest full-coverage car insurance in Milwaukee: American Family
The top auto insurance company in Milwaukee for a full-coverage policy is American Family. The Madison, Wis.-based company's rates were $1,425 per year, or $623 less than average, and $234 less than the next-cheapest option.
Erie offered the second-best rate, at $1,659 a year, while State Farm came in third, at $1,858.
USAA had the lowest rates overall in Milwaukee, but the only drivers who are eligible to purchase car insurance from the provider are current military members, former military members or military families.
Rank | Company | Annual rate |
|---|---|---|
| 1 | American Family | $1,425 |
| 2 | Erie | $1,659 |
| 3 | State Farm | $1,858 |
| 4 | Geico | $1,914 |
| 5 | Artisan and Truckers | $2,027 |
| 6 | SECURA | $2,030 |
| 7 | Auto-Owners | $2,264 |
| 8 | Allstate | $4,339 |
| N/A | USAA | $919 |
includes protection for a driver's own car with collision and comprehensive coverages.
- Collision coverage: covers damages from hitting another vehicle or object.
- Comprehensive coverage: covers damages from theft, natural disasters and other events outside the driver's control, sometimes called "acts of God."
Cheap car insurance for drivers with prior incidents
An accident, DUI, speeding ticket or other incident will likely lead insurers to charge you higher rates than other Milwaukee residents. The increase can often be significant, so searching for lower rates can save you a good amount of money.
Cheapest car insurance in Milwaukee after an accident: Erie
Erie boasts the lowest rates after an accident, with State Farm as second-cheapest and American Family third. An accident raised Erie’s rates $399 and increased State Farm's $356.
Overall, an accident raised rates an average of $1,043 per year in Milwaukee, a jump of more than 50%.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Erie | $2,057 |
| 2 | State Farm | $2,213 |
| 3 | American Family | $2,354 |
| 4 | SECURA | $2,493 |
| 5 | Auto-Owners | $2,764 |
| 6 | Artisan and Truckers (Progressive) | $3,372 |
| 7 | Geico | $3,546 |
| 8 | Allstate | $7,780 |
| N/A | USAA | $1,242 |
Accidents raise rates more than 45% in the state of Wisconsin overall. That means Milwaukee residents don't see much more of an increase than the rest of the state.
Cheapest car insurance for drivers with a speeding ticket: American Family
American Family's rates for drivers with a speeding ticket were the best in Milwaukee by $234 per year. Erie had the second-best rates in the city, followed by State Farm.
The average annual premium for American Family was $1,425. Erie and State Farm came in at $1,659 and $2,035, respectively.
On average, a ticket raised Milwaukee drivers' rates 18%, a total of $372 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | American Family | $1,425 |
| 2 | Erie | $1,659 |
| 3 | State Farm | $2,035 |
| 4 | SECURA | $2,333 |
| 5 | Geico | $2,422 |
| 6 | Artisan and Truckers (Progressive) | $2,596 |
| 7 | Auto-Owners | $2,764 |
| 8 | Allstate | $5,465 |
| N/A | USAA | $1,081 |
Cheapest car insurance for drivers with a DUI: State Farm
Drivers in Milwaukee pay an average 63% more for full-coverage car insurance after a DUI, $1,304 more per year. State Farm offers the best rates after a drunk driving conviction, with an increase of only $177 per year, less than 10% more without.
State Farm's annual rate of $2,035 after a DUI came in lower than other affordable options from Artisan and Truckers, a Progressive subsidiary, at $2,252, and Erie, at $2,454.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,035 |
| 2 | Artisan and Truckers (Progressive) | $2,252 |
| 3 | Erie | $2,454 |
| 4 | American Family | $2,596 |
| 5 | Geico | $3,511 |
| 6 | SECURA | $4,410 |
| 7 | Auto-Owners | $5,525 |
| 8 | Allstate | $5,685 |
| N/A | USAA | $1,703 |
Cheapest car insurance for drivers with poor credit: Artisan and Truckers
Artisan and Truckers and State Farm offer the top rates in Milwaukee for drivers with poor credit. more than a speeding ticket and almost as much as an accident in the city.
A driver with a policy from Artisan and Truckers pays on average $1,720 a year. State Farm comes in at $2,035. On average, poor credit adds $1,031 to a driver's annual insurance cost.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Artisan and Truckers (Progressive) | $1,720 |
| 2 | State Farm | $2,035 |
| 3 | Erie | $2,236 |
| 4 | American Family | $2,596 |
| 5 | Geico | $3,740 |
| 6 | SECURA | $4,004 |
| 7 | Allstate | $4,339 |
| 8 | Auto-Owners | $5,525 |
| N/A | USAA | $1,517 |
Cheapest car insurance for married drivers: American Family
For married drivers, American Family's rates in Milwaukee edged out Artisan and Truckers' by $87 per year. Erie's rate was $89 more expensive than American Family's.
The American Family rate of $1,425 was cheaper than the Wisconsin state average for married drivers by $386. Married drivers tend to pay because insurers see them as less risky.
Rank | Company | Annual rate |
|---|---|---|
| 1 | American Family | $1,425 |
| 2 | Artisan and Truckers (Progressive) | $1,512 |
| 3 | Erie | $1,514 |
| 4 | SECURA | $1,858 |
| 5 | State Farm | $1,858 |
| 6 | Geico | $2,037 |
| 7 | Auto-Owners | $2,264 |
| 8 | Allstate | $4,300 |
| N/A | USAA | $823 |
Cheapest car insurance for young drivers: Erie
In Milwaukee, younger drivers can save the most money with Erie. American Family's rates are only a little more expensive. Both companies offered prices less than two-thirds of the city's average.
are considered high-risk by insurance companies, and thus pay notably more in premiums.
Erie's rate of $4,961 was $64 cheaper per year than American Family. The next-cheapest option was SECURA, at $4,936. Young drivers paid on average $4,052 more than 30-year-old drivers, almost a three-fold increase.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Erie | $3,495 |
| 2 | American Family | $3,559 |
| 3 | SECURA | $4,936 |
| 4 | Geico | $5,183 |
| 5 | State Farm | $5,898 |
| 6 | Auto-Owners | $7,888 |
| 7 | Artisan and Truckers (Progressive) | $9,035 |
| 8 | Allstate | $12,917 |
| N/A | USAA | $1,988 |
Some options for young drivers looking to lower their insurance costs include:
- Joining a parent's car insurance policy: this option is cheaper than an individual policy, though it will likely raise the price of a parent's policy.
- Looking for any discounts offered: check your options and speak to your insurer to see if you qualify for discounts for good grades, avoiding accidents and safe driving, among other things.
Average car insurance costs in Milwaukee by neighborhood
The Milwaukee metro area is home to nearly 1.6 million people spread across four counties. More than half live in Milwaukee County, and more than a third live in the city itself. Across the city's 29 ZIP codes, insurance rates may vary widely.
The cheapest ZIP code for car insurance in the city is 53226, which includes the zoo and is next to the suburb of Wauwatosa. The most expensive ZIP code is 53206, an area just north of downtown.
ZIP code | Average annual car insurance quote |
|---|---|
| 53202 | $1,865 |
| 53203 | $2,190 |
| 53204 | $2,364 |
| 53205 | $2,534 |
| 53206 | $2,620 |
| 53207 | $1,738 |
| 53208 | $2,397 |
| 53209 | $2,301 |
| 53210 | $2,471 |
| 53211 | $1,845 |
| 53212 | $2,318 |
| 53213 | $1,765 |
Among the five largest cities in the Milwaukee metro area, Milwaukee itself has the most expensive car insurance rates, $129 more than in Wauwatosa. Waukesha, the largest suburb of the city and seat of the state's third-largest county, had the lowest rates, at $1,477.
Rank | City | Population | Average cost |
|---|---|---|---|
| 1 | Waukesha | 64,825 | $1,477 |
| 2 | New Berlin | 38,220 | $1,488 |
| 3 | West Allis | 61,254 | $1,738 |
| 4 | Wauwatosa | 47,271 | $1,919 |
| 5 | Milwaukee | 596,974 | $2,048 |
Auto theft statistics in Milwaukee
Milwaukee ranks last among the 15 largest cities in Wisconsin in terms of car thefts per 100,000 residents. That rate was 770.5 cars stolen per 100,000 inhabitants in 2018.
Milwaukee had 4,589 auto thefts overall in 2018. Sheboygan and Kenosha had the lowest rate of auto theft among the largest cities in the state.
Rank | City | Population | Car thefts | Thefts per 100,000 |
|---|---|---|---|---|
| 1 | Sheboygan | 48,195 | 22 | 45.6 |
| 2 | Kenosha | 99,948 | 51 | 51 |
| 3 | Appleton | 74,931 | 47 | 62.7 |
| 4 | Waukesha | 72,672 | 49 | 67.4 |
| 5 | Eau Claire | 68,923 | 64 | 92.9 |
| 6 | Green Bay | 105,281 | 100 | 95 |
| 7 | Janesville | 64,471 | 64 | 99.3 |
| 8 | Oshkosh | 66,736 | 68 | 101.9 |
| 9 | Fond du Lac | 42,777 | 47 | 109.9 |
| 10 | La Crosse | 51,901 | 64 | 123.3 |
| 11 | Racine | 77,373 | 119 | 153.8 |
| 12 | West Allis | 59,887 | 123 | 205.4 |
Motor vehicle theft data was pulled from the FBI 2018 Wisconsin Crime Report.
Methodology
Data was collected from nine of the largest insurers in Wisconsin. The sample driver is a 30-year-old man with a 2015 Honda Civic EX and average credit. Rates are for a full-coverage policy, unless otherwise stated.
These quotes should be used for comparative purposes only. This analysis used insurance rate data from Quadrant Information Services that were publicly sourced from insurer filings.
Sources: FBI Wisconsin Crime Report Metro Milwaukee Economic Data Book [/list]