Cheap Quotes for Milwaukee, WI Car Insurance (2021)

Milwaukee, Wisconsin car insurance rates average $347 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Milwaukee, WI companies, you can find cheap Milwaukee car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Milwaukee is American Family
  • Milwaukee has an average commute time of 24.4 minutes
  • Average car insurance rates in Milwaukee, WI are $347/month

How do the Milwaukee, Wisconsin monthly average car insurance rates of $347/month compare to nearby cities like Eau Claire car insurance rates, Appleton car insurance rates, and Green Bay car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Milwaukee, WI.

We’ll cover the Wisconsin minimum coverage requirements, Wisconsin car insurance laws, and Milwaukee, WI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Milwaukee, Wisconsin companies to find the most affordable Milwaukee car insurance rates.

Enter your ZIP code above to find cheap Milwaukee, WI car insurance quotes today.

What are the minimum Milwaukee, WI car insurance requirements?

To meet Wisconsin minimum car insurance coverage requirements, Milwaukee, WI drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Milwaukee, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Average Milwaukee, WI Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Milwaukee, WI you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Milwaukee, Wisconsin

ZIP Code Average Annual Rates
53202 $4,070
53203 $4,330
53204 $4,515
53205 $4,766
53206 $5,078
53207 $3,486
53208 $4,192
53209 $4,368
53210 $4,692
53211 $3,697
53212 $4,711
53213 $3,448
53214 $3,523
53215 $4,115
53216 $4,974
53218 $4,460
53219 $3,601
53220 $3,327
53221 $3,453
53222 $3,742
53223 $3,916
53224 $3,906
53225 $3,934
53226 $3,239
53227 $3,464
53228 $3,171
53233 $4,604

How do age, gender, and marital status affect Milwaukee, WI car insurance rates?

Three of the criteria that most affect car insurance rates in Milwaukee, Wisconsin are age, gender, and marital status. Let’s take a look at how each of these stack up with top Milwaukee car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Milwaukee, Wisconsin

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,130 $3,272 $2,924 $3,226 $11,336 $14,563 $3,129 $3,390
American Family $1,095 $1,142 $1,073 $1,070 $4,112 $4,512 $1,345 $1,435
Farmers $2,516 $2,508 $2,221 $2,378 $12,722 $13,132 $2,860 $2,962
GEICO $1,870 $2,115 $2,035 $2,417 $6,564 $7,057 $1,708 $1,731
Liberty Mutual $2,211 $2,397 $1,775 $2,011 $8,782 $9,843 $2,337 $2,508
Nationwide $4,814 $5,030 $4,047 $4,237 $10,546 $16,332 $5,907 $6,846
Progressive $2,530 $2,363 $2,073 $2,191 $10,405 $11,691 $3,021 $3,277
State Farm $1,911 $1,911 $1,737 $1,737 $5,970 $7,477 $2,166 $2,503
USAA $1,581 $1,564 $1,449 $1,453 $4,265 $4,903 $2,041 $2,219

How much do teen drivers pay for car insurance in Milwaukee, WI?

Milwaukee, Wisconsin car insurance rates for teens are often higher than rates for other drivers. Compare Milwaukee car insurance rates from multiple Milwaukee, Wisconsin car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Milwaukee, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,336 $14,563
American Family $4,112 $4,512
Farmers $12,722 $13,132
GEICO $6,564 $7,057
Liberty Mutual $8,782 $9,843
Nationwide $10,546 $16,332
Progressive $10,405 $11,691
State Farm $5,970 $7,477
USAA $4,265 $4,903

How much do senior drivers pay for car insurance in Milwaukee, WI?

With a little research, seniors can find affordable car insurance in Milwaukee, Wisconsin. Here’s a look at how the top Milwaukee car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Milwaukee, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,924 $3,226
American Family $1,073 $1,070
Farmers $2,221 $2,378
GEICO $2,035 $2,417
Liberty Mutual $1,775 $2,011
Nationwide $4,047 $4,237
Progressive $2,073 $2,191
State Farm $1,737 $1,737
USAA $1,449 $1,453

How does coverage level affect Milwaukee, WI car insurance rates?

How much coverage do you need? Are you comfortable with the Wisconsin minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Milwaukee, WI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Milwaukee, Wisconsin

Insurance Company Low Medium High
Allstate $5,331 $5,606 $5,928
American Family $1,931 $1,993 $1,995
Farmers $4,685 $5,111 $5,691
GEICO $2,877 $3,178 $3,507
Liberty Mutual $3,525 $4,032 $4,391
Nationwide $6,935 $7,219 $7,505
Progressive $4,313 $4,740 $5,029
State Farm $2,971 $3,190 $3,369
USAA $2,329 $2,438 $2,537

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How does your driving record affect Milwaukee, WI car insurance rates?

Safe driving pays off. The more traffic violations you have in Milwaukee, WI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Milwaukee, Wisconsin companies.

Annual Milwaukee, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,509 $6,313 $5,948 $5,716
American Family $1,883 $2,003 $2,003 $2,003
Farmers $4,489 $5,707 $5,387 $5,066
GEICO $2,149 $3,578 $4,243 $2,778
Liberty Mutual $3,004 $4,386 $4,487 $4,055
Nationwide $6,108 $7,061 $8,648 $7,061
Progressive $4,278 $5,250 $4,461 $4,787
State Farm $2,888 $3,465 $3,177 $3,177
USAA $1,892 $2,410 $3,270 $2,167

How does a DUI affect Milwaukee, WI car insurance rates?

With even one DUI on your record, you can see an increase in your Milwaukee, WI car insurance rates.

Annual Car Insurance Rates After a DUI in Milwaukee, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,948
American Family $2,003
Farmers $5,387
GEICO $4,243
Liberty Mutual $4,487
Nationwide $8,648
Progressive $4,461
State Farm $3,177
USAA $3,270

How does your credit history affect Milwaukee, WI car insurance rates?

Take a look at the data here to see how your Milwaukee, Wisconsin car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Milwaukee, Wisconsin

Insurance Company Poor Fair Good
Allstate $7,416 $5,061 $4,387
American Family $2,638 $1,743 $1,538
Farmers $5,825 $4,942 $4,720
GEICO $4,199 $2,980 $2,383
Liberty Mutual $5,728 $3,494 $2,728
Nationwide $8,113 $6,773 $6,773
Progressive $5,283 $4,549 $4,250
State Farm $4,732 $2,722 $2,076
USAA $3,722 $1,989 $1,593

How does your commute affect Milwaukee, WI car insurance rates?

Milwaukee, WI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Wisconsin can be seen here. Remember, though, that you may have to carry substantially more car insurance in Milwaukee if you’re financing.

Annual Car Insurance Rates by Commute Length in Milwaukee, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,483 $5,760
American Family $1,937 $2,009
Farmers $5,162 $5,162
GEICO $3,127 $3,248
Liberty Mutual $3,983 $3,983
Nationwide $7,220 $7,220
Progressive $4,694 $4,694
State Farm $3,098 $3,255
USAA $2,403 $2,466

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Who has the cheapest Milwaukee, WI car insurance rates?

Here’s a breakdown of Milwaukee, Wisconsin car insurance rates by company. You can see which company offers the cheapest Milwaukee car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Milwaukee, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record American Family
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

What are the top Milwaukee, WI car insurance companies?

Which Milwaukee, Wisconsin car insurance company will best fit your needs and budget? Check out this comparison of the top Milwaukee companies to find the one for you.

Average Annual Car Insurance Rates by Company in Milwaukee, Wisconsin

Insurance Company Average Annual Rates
Allstate $5,621
American Family $1,973
Farmers $5,162
GEICO $3,187
Liberty Mutual $3,983
Nationwide $7,220
Progressive $4,694
State Farm $3,177
USAA $2,434

What factors affect Milwaukee, WI car insurance rates?

Why are Milwaukee, Wisconsin car insurance rates different than rates in Eau Claire or Appleton? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Milwaukee, WI?

FBI statistics show that the Milwaukee, Wisconsin car theft rate is 4,589 thefts each year. High theft rates can lead to higher than average Milwaukee, WI car insurance rates.

How long is the average commute in Milwaukee, WI?

More time spent behind the wheel can lead to higher Milwaukee, Wisconsin car insurance rates. In Milwaukee, WI, the average commute length is 24.4 minutes.

What is the traffic like in Milwaukee, WI

Like commute length, time spent in traffic also increase risk of accidents. Milwaukee, WI is listed as 457th in INRIX congested cities data.

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Car Insurance Quotes for Milwaukee, WI

Shop for affordable Milwaukee, Wisconsin car insurance rates today. Enter your ZIP code to compare quotes from multiple Milwaukee, WI car insurance companies.

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