Cheapest Car Insurance Quotes in Milwaukee

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Milwaukee Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Milwaukee

The car insurance rate in Milwaukee is $907 for a six-month policy, which is $230 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, making it a popular choice for budget-conscious drivers. Rates in Milwaukee can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Milwaukee

$907

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Milwaukee

1st place: AAA

At $374 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $557 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Milwaukee.

Milwaukee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milwaukee, WI is AAA, offering policies at just $374 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $557.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1018 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milwaukee drivers find the best deals.

Cheap Car Insurance Companies in Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$374	$63
West Bend Mutual	$557	$92
IMT Insurance Company	$612	$105
Auto-Owners Insurance Co	$620	$103
Chubb	$637	$109
Acuity	$685	$115
American Family	$693	$117
Travelers	$709	$119
Erie	$828	$139
USAA	$963	$162
Rockford Mutual	$1010	$172
Nationwide	$1091	$184
Rural Mutual	$1123	$190
State Farm	$1123	$189
Progressive	$1313	$221
Farmers	$1400	$233
Allstate	$1624	$273
Secura	$860	$143
Hastings Mutual	$1018	$173

Key Takeaways

Way's key takeaways about car insurance in Milwaukee

The auto insurance costs in Milwaukee fall around $374 for six months.
The cheapest auto insurance company in Milwaukee is AAA.
Teen drivers pay the highest rate in Milwaukee at $856 per month.

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Cheapest Minimum Liability Car Insurance in Milwaukee

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Milwaukee are given below.

AAA provides the cheapest minimum car insurance coverage in Milwaukee. Their Average 6 Month Premium is $159. Secura is the most expensive at $214 for the same period.

Cheapest Liability Coverage in Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$159	$27
Rural Mutual	$176	$29
Western National	$192	$32
Erie	$214	$36
USAA	$230	$39
West Bend Mutual	$239	$40
Auto-Owners Insurance Co	$247	$42
Acuity	$255	$43
American Family	$263	$44
Travelers	$263	$44
Progressive	$271	$46
Chubb	$279	$47
State Farm	$303	$51
Farmers	$469	$80
Allstate	$620	$105
Secura	$214	$36

Cheapest Full Coverage Car Insurance in Milwaukee

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Milwaukee is AAA at $63 per month and $374 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$374	$63
West Bend Mutual	$557	$92
IMT Insurance Company	$612	$105
Auto-Owners Insurance Co	$620	$103
Chubb	$637	$109
Acuity	$685	$115
American Family	$693	$117
Travelers	$709	$119
Erie	$828	$139
USAA	$963	$162
Rockford Mutual	$1010	$172
Nationwide	$1091	$184
Rural Mutual	$1123	$190
State Farm	$1123	$189
Progressive	$1313	$221
Farmers	$1400	$233
Allstate	$1624	$273
Secura	$860	$143
Hastings Mutual	$1018	$173

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Average Car Insurance in Milwaukee by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Milwaukee, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Milwaukee, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Milwaukee's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Milwaukee

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$642
30s	USAA	$516
40s	USAA	$468
50s	USAA	$444
60s	USAA	$462
70s	USAA	$570

Cheapest Car Insurance Rates for Teen Drivers in Milwaukee,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Milwaukee at $44 per month. At $5134 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$263	$44
Travelers	$271	$46
Auto-Owners Insurance Co	$311	$52
Western National	$311	$52
West Bend Mutual	$350	$59
USAA	$1154	$194
Erie	$1186	$200
American Family	$1432	$241
Acuity	$2182	$367
State Farm	$2515	$423
Progressive	$3630	$611
Allstate	$4784	$805
Farmers	$5134	$856

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Milwaukee.

As young drivers face the highest rates in Milwaukee, USAA offers the cheapest auto insurance rates at $642 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Milwaukee, Western National is the cheapest car insurance provider. At $200 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Milwaukee is Allstate, offering rates of around $2467 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$200	$34
AAA	$222	$38
West Bend Mutual	$287	$48
Chubb	$319	$54
IMT Insurance Company	$319	$54
Travelers	$374	$63
Acuity	$788	$133
American Family	$907	$153
State Farm	$972	$162
Erie	$1051	$177
Progressive	$1226	$206
Allstate	$2467	$419

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Car Insurance Rates with An Accident in Milwaukee

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Milwaukee, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Milwaukee

The cheapest car insurance companies after an at-fault accident in Milwaukee include Western National and Rural Mutual, offering $200 and $230, respectively. Allstate is an expensive provider with an average six-month premium of $2420.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$200	$34
Rural Mutual	$230	$39
Auto-Owners Insurance Co	$303	$51
AAA	$311	$52
Chubb	$319	$54
Travelers	$319	$54
West Bend	$334	$56
West Bend Mutual	$398	$68
Auto-Owners	$414	$68
Erie	$637	$107
USAA	$637	$107
American Family	$963	$162
Acuity	$1010	$170
State Farm	$1018	$172
Farmers	$1926	$322
Progressive	$2141	$360
Allstate	$2420	$407

Milwaukee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milwaukee WI. For example, the car insurance in Milwaukee after a DUI increases to $1058 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Milwaukee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1138	$190
One Med/PIP claim	$1146	$194
Not-at-fault accident	$1194	$200
One comp claim	$1210	$206
Two Med/PIP claims	$1226	$204
Failure to show documents	$1242	$212
Driving with expired registration	$1273	$212
Failure to wear a seat belt	$1281	$218
Two comp claims	$1305	$217
Driving without lights	$1353	$230
Child safety restraint	$1361	$226
Speeding 6 - 10 MPH over limit	$1369	$233
At-fault accident - less than $1000	$1386	$230
Cell phone violation	$1394	$237
Driving too slowly	$1400	$233
Failure to yield	$1400	$239
Speeding in school zone	$1400	$233
Illegal turn	$1408	$240
Speeding 11 - 15 MPH over limit	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$240
Texting while driving	$1408	$235
Wrong way/wrong lane	$1408	$240
Failure to stop at a red light	$1424	$237
Following too closely	$1424	$243
Improper passing	$1465	$244
Passing school bus	$1489	$253
In 65 MPH zone	$1568	$261
At-fault accident - $1000-$2000	$1632	$277
Speeding 21 - 25 MPH over limit	$1632	$272
Operating a vehicle without permission	$1640	$279
At-fault accident - greater than $2000	$1648	$275
Open container	$1663	$283
Reckless driving	$2149	$358
Racing	$2157	$367
Refusal to submit to a chemical test	$2173	$362
Driving with a suspended license	$2182	$371
Leaving scene of an accident/hit and run	$2190	$364
DUI	$2196	$374

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Milwaukee after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Milwaukee.

The cheapest car insurance premiums in Milwaukee are offered by Western National at $200 for a six-month policy. However, it can be as expensive as $1934 with companies like Allstate.

Milwaukee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$200	$34
Chubb	$319	$54
Travelers	$374	$63
West Bend	$446	$74
Kemper	$454	$78
USAA	$836	$141
Erie	$867	$146
American Family	$988	$166
Progressive	$1186	$200
State Farm	$1273	$214
Farmers	$1855	$315
Acuity	$1871	$312
Allstate	$1934	$326

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Milwaukee are offered by Western National at $200. However, it can be as expensive as $1798 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Milwaukee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$200	$34
AAA	$255	$43
Auto-Owners Insurance Co	$279	$47
Travelers	$311	$52
Chubb	$319	$54
West Bend Mutual	$366	$62
Erie	$565	$95
State Farm	$661	$111
American Family	$669	$113
Acuity	$796	$134
Progressive	$1051	$177
Allstate	$1798	$306

Car Insurance Price Trends in Milwaukee, Wisconsin

Car insurance rates in Milwaukee have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Milwaukee rose by $168 in December compared to $163 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Milwaukee rose to $46 in December, compared to $43 in November. This represents an increase of $3 when comparing December and November.

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Head of Commercial Insurance

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Average Car Insurance Cost in Milwaukee by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Milwaukee. At $934 for a six-month policy, insuring your car at 53220 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
53220	$934	$157
53221	$943	$158
53224	$925	$155
53202	$934	$157
53225	$934	$157
53203	$907	$152
53222	$934	$157
53223	$934	$157
53228	$916	$154
53206	$925	$155
53207	$943	$158
53204	$943	$158
53226	$925	$155
53205	$916	$154
53227	$925	$155
53208	$934	$157
53209	$952	$160
53210	$934	$157
53295	$907	$152
53213	$934	$157
53214	$943	$158
53233	$916	$154
53211	$943	$158
53212	$934	$157
53217	$934	$157
53218	$952	$160
53215	$970	$163
53216	$943	$158
53219	$943	$158

Frequently Asked Questions

How much is car insurance in Milwaukee?

The car insurance in Milwaukee is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Milwaukee?

The cheapest car insurance in Milwaukee is $63 per month for full coverage.

How much is car insurance in Milwaukee for teenagers?

Car insurance for teenagers costs $263 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Milwaukee?

The average cost of car insurance is $677 for a six-month policy. It will cost around $153 per month to insure your car in Milwaukee.

Is car insurance expensive in Milwaukee?

Car insurance can be expensive in Milwaukee if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Milwaukee can be affordable.

Cheapest Car Insurance Quotes in Milwaukee

Why you can trust Way?

How Much Is Car Insurance in Milwaukee

Avg. Car Insurance in Milwaukee

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Milwaukee

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Milwaukee Car Insurance Rates by Company

Cheap Car Insurance Companies in Milwaukee, WI

Way's key takeaways about car insurance in Milwaukee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milwaukee

Cheapest Liability Coverage in Milwaukee, WI

Cheapest Full Coverage Car Insurance in Milwaukee

Cheapest Full Coverage Car Insurance Quotes in Milwaukee, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milwaukee by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Milwaukee, WI increasing?

Car Insurance Premiums by Age in Milwaukee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milwaukee,WI

If you are in your twenties USAA is the best choice for car insurance in Milwaukee.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Milwaukee

Cheapest Car Insurance Companies after an At-Fault Accident in Milwaukee

Milwaukee Car Insurance Rates by Violation

Milwaukee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milwaukee after a DUI

Milwaukee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milwaukee after Speeding ticket

Car Insurance Price Trends in Milwaukee, Wisconsin

Average Car Insurance Cost in Milwaukee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milwaukee, WI

Car Insurance Rates by State in the USA (2025 Update)

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