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Average Cost of Car Insurance in Milwaukee

Milwaukee$1,099
Wisconsin$933
U.S.$1,424

The average annual cost of car insurance in Milwaukee is $1,099, which is higher than the typical cost of auto coverage in the state of Wisconsin, but still lower than the national average cost of car insurance. Drivers in Milwaukee pay around 17.7% more than the average annual cost of car insurance in Wisconsin, although they also pay around 22.9% less than the national average.

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The Best Cheap Car Insurance Companies in Milwaukee

Drivers who are interested in getting the most affordable car insurance plan can request personalized quotes from different car insurance companies in Milwaukee. On average, the most affordable car insurance company in Milwaukee is USAA, but they only serve members of the military or their family members.

The most affordable option for the general public is GEICO. A car insurance policy with GEICO is less than half as expensive as similar coverage with MetLife, Milwaukee’s most costly provider of auto coverage.

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Personalized Quotes to Get You the Cheapest Car Insurance in Milwaukee

Car insurance quotes in Milwaukee differ because car insurance companies take note of several personalized factors when determining the risks associated with the driver. These factors may include age, ZIP code, make and model of vehicle, driving record and marital status, among others. In Milwaukee, for example, an average GEICO policy for an 18-year-old driver is more than four times more expensive than a policy for a 40-year-old driver.

Since your circumstances may change over time, it’s always a prudent idea to regularly request a personalized quote from car insurance companies in Milwaukee in order for you to get the most affordable coverage that is best suited to your needs.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Milwaukee by Coverage Amount

How much car insurance coverage you purchase in Milwaukee also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Wisconsin Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Different car insurance policies in Milwaukee have different coverage limits. For example, GEICO offers both 50/100/50 liability-only and full-coverage plans. A car insurance policy with GEICO for this level of liability coverage will cover bodily injury costs up to $50,000 per person, with maximum coverage of $100,000 per vehicle, along with $50,000 worth of property damage repair.

The 50/100/50 full-coverage plan from GEICO, which also has collision coverage and comprehensive insurance, costs an average of $241 more than a liability-only policy for most drivers. Since the difference in costs is quite substantial, it is recommended that you request a personalized quote from different car insurance companies in Milwaukee.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Milwaukee if You Have Tickets

Car insurance companies in Milwaukee take your driving record into consideration when computing their rates: the more moving violations there are, the more expensive your policy will be.

For a GEICO policy, for example, a driver with a speeding ticket needs to pay an average of $206 more for their car insurance than drivers with a clean record, even if they get a plan with similar coverage.

Another example in Milwaukee is that an Erie car insurance policy for a driver with a clean record costs an average of $896 per year, but drivers with a DUI on their record will pay an average of $442 more because their DUI conviction is associated with higher risk.

Average Cost of Car Insurance by Postal Code

Since the number of car-related incidents varies depending on where you live, different neighborhoods in Milwaukee have different risks associated with them. Drivers who currently reside in the city’s most cost-effective neighborhood for auto coverage, 53215, will pay about $126 less in annual car insurance premiums than drivers who live in ZIP code 53204.

  • Zip Code
    State Minimumper year
  • 53215
    $1,022
  • 53209
    $1,095
  • 53218
    $1,130
  • 53204
    $1,148

Factors That Impact Insurance Costs in Milwaukee

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Milwaukee. How Milwaukee ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities92nd/300
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Most Car Thefts193rd/300
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Most Uninsured Motorists by State15th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall162nd/300
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Most Rainy Days59th/300

Shopping around for car insurance in Milwaukee could save you $314, which is enough to buy:


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105Cups of Coffee
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24Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Milwaukee are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Milwaukee

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.