bestauto insuranceMilwaukeeCompare the Cheapest Car Insurance Quotes in Milwaukee, WI
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In Milwaukee, GEICO provides the cheapest full coverage and state-minimum policies, while American Family is the cheapest for ticketed drivers. USAA offers the cheapest policies across all categories, but its insurance is only available to military members and their families. Regardless, Erie is the city's best auto insurance provider due to its low prices and exceptional customer service.
bestauto insuranceMilwaukeeThe Cheapest and Best Car Insurance in Milwaukee
The Cheapest Car Insurance Companies in Milwaukee
For drivers looking for a full coverage policy in Milwaukee, the cheapest widely available companies are:
- GEICO: $784 per year
- American Family: $810 per year
Military members and their families may qualify for policies from USAA, which has the lowest overall car insurance rates at $470 per year.
GEICO’s average quote is the most affordable in the city, costing about 121% less than MetLife, the most expensive insurer for a similar policy. A full coverage insurance policy includes a combination of coverages, including comprehensive and collision coverage. However, the cost may vary based on how much liability coverage limits you choose.
Cheapest Car Insurance in Milwaukee
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$470
- 2.$784
- 3.$810
- 4.$829
- 5.$896
Per MoneyGeek’s methodology, we requested rates for a 40-year-old male driver with a full-coverage policy to conduct this study. Full-coverage insurance costs more than state minimum coverage as it contains the following two types of coverages in addition to liability insurance.
- Collision Coverage: This insurance pays for damage to your car if you collide with another vehicle or object.
- Comprehensive Coverage: This coverage protects your car against damages caused by third-party liabilities like theft, fire, storms, etc.
For an older car, liability-only or state minimum insurance may be a better option, especially if a full coverage policy costs more than the car's worth.
Compare Car Insurance Rates in Milwaukee
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Milwaukee for Minimum Coverage
State minimum coverage insurance policies are the most affordable insurance plans in Milwaukee. For minimum liability insurance, the following companies offer the cheapest premiums in the city, on average:
- GEICO: $372 per year
- AAA: $379 per year
USAA is also a cheap alternative for military members and their families, with average policies as low as $225 per year.
GEICO's average quote is $485 less than MetLife's $857 annual average price. Minimum coverage policies offer the lowest prices due to their lower coverage limits.
These plans meet state minimums only, which lack comprehensive and collision coverage, leaving drivers at risk of being underinsured. Use the table to examine how rates vary with increased liability limits.
Cheapest Minimum Liability Car Insurance in Milwaukee
State Minimum
- CompanyState Minimumper year
- 1.$225
- 2.$372
- 3.$379
- 4.$409
- 5.$446
Wisconsin’s drivers must carry 25/50/10 minimum liability insurance. As the cheapest choice in Milwaukee, this insurance also offers you the least protection. In the event of an accident, you will have a more significant financial burden. For example, if you are at fault and the other driver's repairs cost $25,000, your liability insurance will only pay $10,000 of the damage. You must cover the remaining $15,000 yourself.
Wisconsin Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Milwaukee if You Have Driving Violations
A traffic infraction, such as a speeding ticket or a DUI, will likely raise your auto insurance cost in Milwaukee. The following are the cheapest insurance in the city after various violations:
- Cheapest After a Ticket: American Family, $850 per year on average
- Cheapest After an At-Fault Accident: American Family, $850 per year on average
- Cheapest After a DUI: American Family, $850 per year on average
In all of these areas, USAA is the cheapest. However, their policies are only available to members of the military and their families.
Regardless of the violation, you can decrease your insurance costs by improving your driving record over time. Meanwhile, it's important to shop around to see which companies provide the best rates following a ticket or an accident.
Cheapest Car Insurance in Milwaukee With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$549
- 2.$850
- 3.$896
- 4.$990
- 5.$1,009
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.
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.
Compare Car Insurance Rates in Milwaukee
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Milwaukee
To identify the best car insurance providers in Milwaukee, MoneyGeek considered their quality of service and affordability. According to our research, the best car insurance companies in Milwaukee are:
- Erie: MoneyGeek score of 95 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA, however, scored the best ratings in Milwaukee. However, only military personnel and their family members qualify for USAA's policies.
MoneyGeek's methodology applied affordability, customer satisfaction and financial stability scores from J.D. Power to conduct this study.
1
Erie
Score:82
2
American Family
Score:80
3
State Farm
Score:78
4
GEICO
Score:75
5
Travelers
Score:68
6
AAA
Score:63
7
Progressive
Score:58
8
Nationwide
Score:53
9
Farmers
Score:50
10
Acuity
Score:36
11
MetLife
Score:29
12
Allstate
Score:28
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 CodeState 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.
About Mark Fitzpatrick
