Cheapest Car Insurance in Milwaukee, WI (2025)

Milwaukee drivers pay an average of $648 per year for minimum coverage and $1,512 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO offers Milwaukee's cheapest minimum coverage at $385 per year ($32 monthly). That's 40% lower than the city average of $648, saving you $263 annually. Travelers ranks second for minimum coverage at $466 per year ($39 monthly), a 28% savings compared to the city average.
• Cheapest full coverage: Travelers provides the lowest full coverage at $926 per year ($77 monthly), 38% below the city average of $1,512. That's $586 in annual savings. GEICO's full coverage costs $1,010 per year ($84 monthly), still 33% below the city average but $84 more than Travelers annually.

Car insurance costs vary dramatically by age in Milwaukee, with younger drivers facing the highest premiums. Here are the most affordable options by age group:

• Adults: GEICO and Travelers lead with competitive monthly rates
• Seniors: Farm Bureau and Travelers offer the best value for older drivers
• Young drivers: Erie Insurance and Travelers provide the most affordable coverage for this high-risk group

Young drivers can reduce costs through GEICO's Good Student Discount. The company's Family Pricing Program also helps young adults keep their parents' lower rates when moving out.

Milwaukee drivers with violations can secure affordable coverage by comparing rates from companies with lower penalties for their violation type:

• Accident: Auto-Owners at $49 and GEICO at $49 monthly
• Ticket: GEICO at $41 and Farm Bureau at $45 monthly
• DUI: Travelers at $55 and GEICO at $74 monthly

Minor violations stay on Wisconsin driving records for five years, and rates decrease once violations lapse.

Milwaukee drivers have different car insurance costs depending on their neighborhood. The most affordable full coverage is found in ZIP codes 53205, 53207, 53209, and 53216 at $103 monthly, while 53212 residents pay the highest rates at $162 monthly.

Travelers earns 95 out of 100 on MoneyGeek's rating scale, securing the top spot for car insurance in Milwaukee. Auto-Owners follows closely with 93 out of 100, making both excellent choices for Wisconsin drivers.

Travelers dominates in affordability while delivering a good customer experience. We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Auto-Owners leads in customer service and claims satisfaction, earning high marks for policyholder support. Travelers excels in affordability, offering competitive rates and comprehensive coverage options. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Milwaukee drivers have some of Wisconsin's highest car insurance premiums. Shopping around helps you secure affordable rates and find the right coverage:

Our insurance experts provide clear answers to common questions about finding affordable car insurance in Milwaukee:

We analyzed hundreds of thousands of quotes from major insurers using data from the Office of the Commissioner of Insurance and Quadrant Information Services. Our research covered all Milwaukee ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Wisconsin's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft reports in high-crime areas.

Coverage options (10%): More choices mean better odds of matching coverage to Milwaukee risks like hail damage, uninsured motorists and theft in high-risk neighborhoods.