Best Car Insurance Companies in Milwaukee, WI

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.