Best Car Insurance Companies in Milwaukee, WI


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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 20, 2024

Advertising & Editorial Disclosure

The best auto insurance company for you may vary depending on your individual driver profile and needs. Acuity is the best overall car insurance company in Milwaukee. It’s also our top pick for customer service, cheap insurance, young adults and seniors.

If you are a teen driver, Auto-Owners is the best choice, while Chubb is recommended for drivers with offenses. For those who own a new car, Travelers offers the best auto insurance. MoneyGeek conducted an analysis of several providers to identify the cheapest car insurance options in Milwaukee for drivers who prioritize affordability.

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2024

Table of Contents (Jump to Your Best Fit)

Why Trust MoneyGeek? Our evaluations of auto insurance providers in Milwaukee focused on their claims-handling process, coverage options, pricing and financial stability. To arrive at our conclusions, we used data from Quadrant Information Services and the Wisconsin Office of the Commissioner of Insurance.

44,496Quotes Analyzed
 
19Companies Compared

Best Overall Car Insurance in Milwaukee

MoneyGeek's analysis identified the following providers as the best auto insurance companies in Milwaukee:

  • Acuity: MoneyGeek score of 86 out of 100 ($1,427 per year)
  • Chubb: MoneyGeek score of 83 out of 100 ($1,581 per year)

Out of the 18 providers we analyzed, we selected Acuity as the best one due to its exceptional customer satisfaction ratings, outstanding claims management reputation and reasonable pricing. On a statewide basis, Acuity is also the best auto insurance company in Wisconsin, with an annual premium of $960. However, this indicates that Acuity's rates in Milwaukee are pricier than in other cities in the state.

How was this MoneyGeek score calculated?

Acuity

pros

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Ranks #3 out of 18 insurers for customer service

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Ranks #2 for claims management

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Offers new car replacement and roadside assistance

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Ranks #13 for affordability

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Does not offer accident forgiveness

COMPANY HIGHLIGHTS

Even though its policies are less affordable than many competitors, Acuity is the best overall car insurance provider in Milwaukee since it offers exceptional customer service and claims management. The insurer also provides valuable add-ons like new car replacement coverage.

In case of a covered loss that totals your vehicle, Acuity’s new car replacement coverage will cover the cost of a new vehicle of a similar model. For older vehicles destroyed in a covered loss, the insurer will compensate 25% above the current value of the vehicle.

You can also opt for roadside assistance, which includes emergency aid, towing and labor service. Acuity’s roadside assistance provides peace of mind and ensures that drivers aren’t stranded in case of an emergency or breakdown.

How the Best Insurers in Milwaukee Rank: MoneyGeek Scores and Costs

Out of the 18 insurance companies we analyzed, Acuity is the best in Milwaukee, ranking third for customer service and second for claims management. On the other hand, Auto-Owners offers the lowest average annual rate of $865, but it falls short in terms of customer service compared to Acuity.

The rates mentioned are for full coverage insurance policies. MoneyGeek only assigned scores to companies that had enough data available for each factor, such as affordability, financial stability and claims management.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AcuityMoneyGeek Score (out of 100)86Annual Premium$1,427Satisfaction Score (out of 5)5Claims Score (out of 5)4Coverages Score (out of 5)4Stability Score (out of 5)4
ErieMoneyGeek Score (out of 100)84Annual Premium$1,066Satisfaction Score (out of 5)5Claims Score (out of 5)4Coverages Score (out of 5)3Stability Score (out of 5)4
ChubbMoneyGeek Score (out of 100)83Annual Premium$1,581Satisfaction Score (out of 5)5Claims Score (out of 5)4Coverages Score (out of 5)3Stability Score (out of 5)5
Auto-Owners Insurance CoMoneyGeek Score (out of 100)82Annual Premium$865Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)5
American FamilyMoneyGeek Score (out of 100)80Annual Premium$879Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)5Stability Score (out of 5)3
West Bend MutualMoneyGeek Score (out of 100)80Annual Premium$1,281Satisfaction Score (out of 5)5Claims Score (out of 5)3Coverages Score (out of 5)1Stability Score (out of 5)3
TravelersMoneyGeek Score (out of 100)77Annual Premium$965Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)5
State FarmMoneyGeek Score (out of 100)76Annual Premium$916Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5
Western NationalMoneyGeek Score (out of 100)75Annual Premium$2,168Satisfaction Score (out of 5)5Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
GEICOMoneyGeek Score (out of 100)75Annual Premium$927Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5
NationwideMoneyGeek Score (out of 100)73Annual Premium$896Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
FarmersMoneyGeek Score (out of 100)70Annual Premium$1,170Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)3
ProgressiveMoneyGeek Score (out of 100)69Annual Premium$1,559Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
AAAMoneyGeek Score (out of 100)69Annual Premium$1,214Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)3
AllstateMoneyGeek Score (out of 100)69Annual Premium$1,285Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
IMT Insurance CompanyMoneyGeek Score (out of 100)No DataAnnual Premium$1,287Satisfaction Score (out of 5)5Claims Score (out of 5)No DataCoverages Score (out of 5)3Stability Score (out of 5)3
KemperMoneyGeek Score (out of 100)39Annual Premium$2,413Satisfaction Score (out of 5)1Claims Score (out of 5)2Coverages Score (out of 5)1Stability Score (out of 5)2
DairylandMoneyGeek Score (out of 100)No DataAnnual Premium$4,692Satisfaction Score (out of 5)4Claims Score (out of 5)No DataCoverages Score (out of 5)4Stability Score (out of 5)4

Best Car Insurance in Milwaukee for Customer Service

If we exclude pricing from the evaluation, the best auto insurance companies in Milwaukee for customer service are:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,427 per year)
  • Chubb: MoneyGeek score of 76 out of 100 ($1,581 per year)

Acuity received the second-highest rating for claims management and the third-highest rating for customer satisfaction. However, Acuity's auto insurance premiums are higher than those of many other insurers, which means that you might have to pay a high price for the best customer service.

How was this MoneyGeek score calculated?

Acuity

pros

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Ranks #3 out of 18 insurers for customer service

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Ranks #2 for claims management

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Offers gap insurance

cons

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Ranks #14 for affordability

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Does not offer deductible modification coverage

COMPANY HIGHLIGHTS

Acuity's exceptional ratings for customer satisfaction and claims management make it an excellent option for individuals who prioritize high-quality service. While its premiums may be more expensive than those of most other insurance companies, its dedication to providing top-notch customer service is tough to top.

Acuity provides gap insurance as a coverage option, which can be beneficial for those who owe more on their vehicle than its actual cash value. It can cover the difference between the unpaid principal amount owed on a lease or loan and the depreciated value of the vehicle. Knowing that you are protected against financial loss can provide peace of mind, particularly if you have a high-value vehicle.

Despite its high customer satisfaction and claims management scores, Acuity still has some areas for improvement. The company does not provide accident forgiveness or deductible modification coverage, which may be important for some policyholders.

What Makes an Insurer Best for Customer Service?

Responding promptly to customer inquiries and offering high-quality claims management are key features of good customer service in an insurance company. Acuity provides exceptional customer service, with a claims management team that is experienced and committed to assisting customers throughout the process.

While Auto-Owners is much more affordable at an average annual rate of $865, it falls short in terms of claims management and customer satisfaction when compared to Acuity.

Best Cheap Car Insurance in Milwaukee

Based on our analysis of affordability and service quality of policies that only meet the minimum auto coverage requirements in Wisconsin, the following providers offer the best insurance in Milwaukee:

  • Acuity: MoneyGeek score of 87 out of 100 ($581 per year)
  • Auto-Owners: MoneyGeek score of 84 out of 100 ($412 per year)

It's crucial to remember that the cheapest minimum coverage auto insurance policies in Milwaukee may not provide extensive protection against liability costs or offer any coverage for your vehicle in an accident. Note that the minimum auto insurance requirements in Wisconsin are the same for every city.

How was this MoneyGeek score calculated?

Acuity

pros

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Offers safe driving, safety systems and new customer discounts

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High customer satisfaction rating

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Ranks #2 of 18 insurers for claims management

cons

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Ranks #9 for affordability

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No paperless discount

COMPANY HIGHLIGHTS

Acuity is the best cheap car insurance provider in Milwaukee, thanks to its outstanding reputation for customer satisfaction and claims management. Milwaukee drivers looking for savings can take advantage of Acuity's various discounts.

One of the discounts available is for vehicles equipped with high-tech crash prevention features, such as automatic braking, rear cameras and forward-collision warnings. Another way to save with Acuity is by bundling policies; customers can receive up to a 20% discount when they combine their auto policy with their home, recreational vehicle, boat or umbrella policy.

Acuity also offers a discount for new customers based on their previous insurance history, taking into account the length of time they were insured by their previous provider.

What Makes an Insurer the Best Cheap Option?

While affordable rates are important for minimum coverage, it's equally vital to consider an insurance provider's customer service, claims management and discount options. This is how Acuity earned our top despite its mediocre pricing. Erie offers the cheapest rates in Milwaukee, but it falls short in terms of essential coverages and discounts.

Best Car Insurance in Milwaukee for Young Adults

The following are the best auto insurance companies in Milwaukee for young adults:

  • Acuity: MoneyGeek score of 85 out of 100 ($1,776 per year)
  • Chubb: MoneyGeek score of 81 out of 100 ($2,124 per year)

Acuity earned impressive ratings in terms of customer satisfaction and claims management. MoneyGeek conducted an analysis of the best auto insurance for young drivers to assist you in finding the best option for your specific requirements.

How was this MoneyGeek score calculated?

Acuity

pros

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Ranks #3 for customer satisfaction

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Ranks #2 for claims management

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Offers good student, driver's education and safe driving discounts

cons

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Ranks #13 for affordability ($1,776 per year)

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No distant student discount

COMPANY HIGHLIGHTS

Even though it’s one of the most expensive insurers in Milwaukee, Acuity received impressive ratings for both claims management and customer service, making it an ideal option for young adults who want quality service.

The student-friendly discounts offered by Acuity, such as the good student discount, can benefit young drivers by reducing their insurance costs. Full-time students who maintain a "B" average or better can qualify for this discount, providing them with a financial incentive to focus on their studies and maintain good grades.

Similarly, the discounts offered for taking a driver safety course can benefit young drivers by providing them with the knowledge and skills necessary to drive safely and responsibly. These courses can help young drivers reduce their risk of accidents and traffic violations, which can, in turn, help them qualify for lower insurance rates.

What Makes an Insurer Best for Young Adults?

Young adults looking for car insurance policies should prioritize affordability, discounts and reliable customer service. One option to consider is Acuity, which offers discounts on car insurance policies that can be particularly beneficial for young drivers, even though its premiums tend to be on the high side.

It’s equally important to consider the quality of customer service and claims management provided by the insurance company. Even though American Family offers much cheaper rates, its mediocre claims management and customer satisfaction scores may make it less desirable for young adults.

Best Car Insurance in Milwaukee for Teens and Their Families

These are the best auto insurance providers in Milwaukee for teens on a family policy:

  • Auto-Owners: MoneyGeek score of 79 out of 100 ($2,829 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($2,724 per year)

Auto-Owners ranks first for claims management and receives a high rating for coverage options compared to other insurers, which means you can access a wide range of add-ons. Enrolling in a family policy can save teenagers in Milwaukee an average of $3,203 or 57% annually compared to buying their own policy. MoneyGeek has also conducted research to identify the best auto insurance providers for teens, which can help you in your search for the right policy.

How was this MoneyGeek score calculated?

Auto-Owners

pros

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Offers good student, distant student and teen driver monitoring discount

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Ranks #1 for claims management

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Strong ratings for customer satisfaction and coverage options

cons

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Ranks #6 out of 9 insurers for affordability

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No discount for driver’s education

COMPANY HIGHLIGHTS

Auto-Owners has high scores in customer satisfaction, coverage options and claims management, indicating that you can expect a great experience with the company.

Acuity offers discounts for teen drivers, such as the teen monitoring discount, which involves installing a GPS in their primary vehicle or using an eligible app on their smartphone. Acuity also offers a good student discount of up to 20% for maintaining a cumulative "B" or better grade-point average. Students who attend school more than 100 miles from home without a vehicle are also eligible for distant student discounts.

With Auto-Owners, you also have the option to add coverage that suits your needs. For instance, you can choose to add rental car and/or travel reimbursement coverage, which can provide financial assistance for rental car expenses, food, lodging and other incidental expenses.

Read MoneyGeek's Auto-Owners Auto Insurance Review

What Makes an Insurer Best for Teens?

It's important for insurers to offer teens affordable rates, tailored discounts and coverage options that promote a sense of security on the road, such as roadside assistance and accident forgiveness.

Even though its premiums are typically higher than many competitors, Auto-Owners satisfies these requirements by providing discounts for good and distant students, outstanding customer service and various extra features, such as roadside assistance.

Best Car Insurance in Milwaukee for Seniors

Milwaukee's best auto insurance providers for senior drivers include:

  • Acuity: MoneyGeek score of 87 out of 100 ($1,229 per year)
  • Chubb: MoneyGeek score of 84 out of 100 ($1,335 per year)

Milwaukee seniors seeking auto insurance can consider Acuity as their top choice. The insurer scored well for claims management and customer satisfaction. While drivers in their 60s pay rates similar to middle-aged adults, those in their 70s may face higher premiums. If you are a senior looking to save money, it is advisable to search for affordable auto insurance options by comparing different policies.

How was this MoneyGeek score calculated?

Acuity

pros

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Ranks #3 for customer satisfaction

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Ranks #2 for claims management

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Offers personal auto enhancements coverage package and rental car reimbursement

cons

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Ranks #11 out of 18 insurers for affordability

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Does not offer accident forgiveness

COMPANY HIGHLIGHTS

Acuity earned the top spot in MoneyGeek's assessment, boasting high ratings for customer satisfaction and claims management, despite its somewhat high prices.

Acuity offers additional coverage options that can be particularly beneficial for senior drivers. These include rental car and travel reimbursement, which can help you pay for temporary transportation expenses, such as vehicle rental, bus, rideshare or taxi fares, while your vehicle is being repaired so that you can continue to go about your daily activities.

Additionally, Acuity's personal auto enhancements coverage package provides key and lock replacement, personal property replacement, travel expenses, pet injury reimbursement, airbag replacement and benefits for accidental death and total disability in certain states. These options can provide seniors with added peace of mind while on the road.

What Makes an Insurer Best for Seniors?

Seniors should seek car insurance policies that cater to their needs by providing adequate coverage and discounts. Personal injury protection or medical payments coverage should be considered, as seniors are at a high risk of suffering serious injuries in car accidents.

Seniors can benefit from Acuity's useful coverage options and exceptional customer service. On the other hand, Nationwide may have significantly lower rates, but its claims management and customer satisfaction ratings are unfavorable.

Best Car Insurance in Milwaukee for Drivers With Offenses

Here are the best car insurance providers in Milwaukee for drivers with violations on their records:

  • Chubb: MoneyGeek score of 86 out of 100 ($1,581 per year)
  • Erie: MoneyGeek score of 80 out of 100 ($1,587 per year)

Chubb is the leading car insurance provider for drivers with violations, with the fourth-highest score for affordability and fifth-highest score for customer satisfaction. Note that the severity of the offense can affect the rates offered.

For instance, drivers in Milwaukee who have a speeding ticket or DUI conviction can expect to pay an additional $379 or $722, respectively, compared to a driver with a clean driving record. However, there are still affordable car insurance options for drivers with poor records.

How was this MoneyGeek score calculated?

Chubb

pros

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Offers affordable rates averaging $1,581

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Offers rental car and/or travel reimbursement and original equipment manufacturer (OEM) coverage

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Ranks #1 for claims management

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Does not offer accident forgiveness or roadside assistance

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Lacks some common coverages

COMPANY HIGHLIGHTS

Chubb provides a great choice for drivers with past offenses, like DUIs, because of its excellent claims management and strong customer service. With an average yearly premium of $1,581, Chubb offers competitive prices for drivers who may struggle to obtain reasonably priced coverage elsewhere.

Chubb provides rental car reimbursement coverage that allows you to rent a car that is similar to the one you own. You can choose optional limits up to $5,000 without any per-day limit. Additionally, unlike many other insurers who might not pay for original parts, Chubb offers to use strictly original equipment manufacturer (OEM) parts and procedures to ensure that your vehicle's safety systems function ideally.

Chubb also offers an agreed value coverage option, which allows you to agree upon the value of your car when you purchase your policy. If your car is stolen or totaled, Chubb will issue a check for the agreed-upon amount instead of the actual depreciated value.

What Makes an Insurer Best for Drivers With Offenses?

When searching for an auto insurance policy, drivers with offenses should prioritize affordable rates, reliable customer service and coverage that provides sufficient protection in the event of an accident.

If you have on-record violations, Chubb is a great choice for affordable rates and beneficial coverages like rental car reimbursement and OEM coverage. Although State Farm has lower rates, its customer satisfaction and claims management scores are also significantly lower.

Best Car Insurance in Milwaukee for Drivers With New Cars

Travelers offers the best car insurance in Milwaukee for new car owners. Our top two picks are:

  • Travelers: MoneyGeek score of 76 out of 100 ($966 per year)
  • Allstate: MoneyGeek score of 65 out of 100 ($1,665 per year)

For Wisconsin drivers who own a 2022 car model, Travelers has the lowest rates by more than $500 per year and ranked second for customer satisfaction. The ranking only includes insurers that offer better or new car replacement coverage, which pays for the cost of a brand-new car if yours is totaled.

How was this MoneyGeek score calculated?

Travelers

pros

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Provides the cheapest annual rate at $966

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Offers new car replacement coverage

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Ranks #2 for customer satisfaction

cons

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Does not offer deductible modification coverage

COMPANY HIGHLIGHTS

Milwaukee drivers who have recently purchased a new car can benefit from Travelers auto insurance as it offers an affordable policy with a range of additional coverage options, such as new car replacement and gap insurance.

Travelers offers new car replacement coverage that replaces a totaled car with a new one of the same make and model within the first five years. This provides additional protection, giving you peace of mind that you will not face significant financial losses in the event of an accident resulting in the total loss of your new car.

Travelers' gap insurance can be a beneficial addition for those who have a financed or leased vehicle. This coverage can cover the difference between the actual cash value of the vehicle and the remaining balance on your loan or lease in the event of a total loss.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Drivers With New Cars?

The ideal car insurance company for owners of new cars should offer supplementary coverage options specifically designed for brand-new vehicles, such as new or better car replacement coverage. Travelers not only provides coverage options tailored to benefit owners of new vehicles, but it also has the most affordable premiums in its comparison group. Although some insurers may have received higher MoneyGeek scores, they were not included in this category due to the absence of new or better car replacement coverage.

How to Find the Best Car Insurance in Milwaukee for You

When searching for car insurance in Milwaukee, there are various factors to consider. Although MoneyGeek has provided helpful information to assist in your decision-making process, it may be necessary for you to conduct your own research with the following steps to find the most suitable car insurance policy.

1
Research customer service reputations in Milwaukee

Checking J.D. Power satisfaction scores and NAIC complaint ratios for the insurance companies you're interested in can provide more insight. It's important to note that customer service data is collected on a state level, so it's recommended to visit the Wisconsin Office of the Commissioner of Insurance website.

2
Compare quotes

Although MoneyGeek provides average car insurance rates for drivers in Milwaukee, it's essential to note that insurance rates are personalized and dependent on individual factors. These factors can include your age, driving record and the make and model of your car. To obtain a more precise estimate of your insurance rate, collect at least three quotes from various insurance companies.

3
Find the coverages you want in Milwaukee

It's important to note that insurance companies may not offer the same coverage options or discounts in every state. Before choosing an insurer, make sure they offer the specific coverage you need. This will prevent any unforeseen issues and ensure you're getting the best possible value for your money.

4
Check financial stability ratings

It's essential to check an insurance provider's financial strength rating when choosing a car insurance company. While larger insurance companies are typically more financially stable, smaller regional insurance companies in Milwaukee may have lower ratings. It's important to conduct thorough research to ensure the company you select is financially stable.

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FAQs About the Best Car Insurance in Milwaukee

To make an informed decision when looking for the best car insurance in Milwaukee, you should consider your priorities. We have answered some common questions to help guide your search.

What is the best car insurance company in Milwaukee?
What is the best cheap car insurance company in Milwaukee?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.