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Key Takeaways

  • The annual car insurance rate in Milwaukee, Wisconsin, is $1656.
  • State Farm and Erie offer the cheapest rates in the city.
  • Teenage drivers and those with driving violations pay high insurance premiums in Milwaukee, Wisconsin.

Introduction

The City of Milwaukee is populous, large, and important as far as Wisconsin is concerned. With three of Wisconsin's main intersections passing through the city, one can only imagine driving around the place. If you own a car, it will automatically guide you to an insurance provider as an auto insurance policy is mandatory in all states, including Wisconsin.

The average car insurance rates in Milwaukee are higher than the state and national averages. The reasons for the high insurance rates in the city could be both driving and non-driving factors. What can help you get the best rates is thorough research on the possible options available in the city, along with the discounts and the factors that have an influence on the rates in Milwaukee.

The average car insurance rates, the best insurance companies, and the factors that influence the rates in the city, in particular, will be reviewed here.

How much does car insurance cost in Milwaukee?

The average car insurance rate in the City of Milwaukee is $1656, which is higher than both the national and state averages. It will cost around $468 more to insure your car in Milwaukee.

Milwaukee Average Wisconsin Average National Average
$1656 $1188 $1557

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Auto Insurance Requirements in Milwaukee, Wisconsin

Proof of insurance is mandatory to drive a car in the neighborhood. It is required for renewing the car registration or when the car is involved in an accident. A minimum amount of liability insurance is required for every car owner. However, this doesn't include the collision and comprehensive coverage, which is highly recommended to avoid out-of-pocket expenses.

  • $25,000 per person for bodily injury
  • $50,000 per accident for injuries to people
  • $25,000 of property damage liability coverage
  • $25000 per individual for property damage caused by uninsured motorists.

Milwaukee Auto Insurance Premiums by Company

Milwaukee is home to many nationally recognized insurance providers. Comparing the quotes and choosing the ones that best suit your needs is essential to ensure affordable insurance rates in the city. Way.com helps you navigate through this task much easier, helping you finalize the best coverage possible.

The cheapest rates in the city are offered by State Farm and Erie, with average yearly rates of $1236 and $1167, respectively.

Insurance Company Average Yearly Rate
State Farm $1236
Erie $1167
American Family $1349
West Bend Mutual $1448

Milwaukee Auto Insurance Premiums by Age Group

Like in most other cities, teenagers pay the highest insurance in the City of Milwaukee. The average insurance rate paid by a teenager would be $7023. However, the rates are quite similar when it comes to drivers above the age of 30. The rates may also vary with the neighborhood and the driving history as well.

Age Bracket Average Yearly Rate
Teenagers $7023
20s $2171
30s $1566
40s $1481
50s $1393
60s $1455

Milwaukee Auto Insurance Premiums by Marital Status

In Milwaukee, single and married drivers pay a similar insurance rate of $1417 annually. However, married and widowed drivers pay slightly higher rates.

Marital Status Average Yearly Rate
Married $1417
Single $1417
Divorced $1557
Widowed $1528

Milwaukee Auto Insurance Premiums by Gender

The auto insurance rates in the city are in fashion with the influence of gender on the insurance rates. In Milwaukee, male drivers pay higher insurance rates than female drivers.

Gender Average Yearly Rate
Female $1576
Male $1593

Milwaukee Auto Insurance Premiums by Driving Record

To avoid paying high rates, you must avoid being classified as a high-risk driver if you are not one based on your age. This can only be accomplished by avoiding speeding tickets, DUI charges, and other infractions that require a spotless driving record.

In Milwaukee, reckless driving and DUI violations can increase the premium rates in the range of $686 to $850 on average yearly.

Driving Violation/Incident Average Yearly Rate
At-fault Accidents Damages <$1000 Damages >$2000
$2222 $2392
DUI/DWI $2272
Reckless Driving $2441
Speeding Tickets $1966

Milwaukee Auto Insurance Premiums by Credit Rating

One of the benefits of maintaining a good credit score is reduced insurance premiums. Many auto insurance companies utilize a credit-based auto insurance score to determine if they will accept you as a policyholder and how much your premium would be.

In the City of Milwaukee, the drivers who maintain a good credit score witness a decrease in insurance rates by at least 61%.

Credit Tier Average Yearly Rate
Exceptional $1264
Very Good $1439
Good $1593
Fair $1922
Very Poor $3243

Milwaukee Auto Insurance Premiums by Zip Code

The cost of auto insurance premiums varies greatly depending on your location within the city. This is mostly due to the varying rates of crime, theft, and uninsured motorists. The most expensive ZIP codes in Milwaukee include 53212, 53204, 53203, 53205, and 53206. The cheap ZIP codes in the city are 53154, 53228, 53220, 53217, and 53110.

ZIP Code Average Yearly Rate
53215 $1028
53209 $1101
53218 $1136
53204 $1151

What would increase your car insurance rates in Milwaukee

Milwaukee Stats

When discussing the factors that are linked to higher insurance premiums in the city, it is important to take into account both the theft rates and accidents. In Milwaukee, the accident rate is way above the national average.

Auto Theft Statistics

The annual motor vehicle theft rate in the United States is 220 per 100,000 persons. However, there were 584 accidents in the city in 2019.

Milwaukee Auto Theft Rate per 100,000 National Auto Theft Rate per 100,000
584 220

Accident Statistics

The frequency of accidents in an area might contribute to a rise in insurance prices. In the event that you are involved in an accident, you may be classified as a high-risk driver and be required to pay higher insurance premiums.

The accident rates of the City of Milwaukee, Wisconsin, are high, which is a major reason for higher-than-average insurance rates. Based on 2019 data, Milwaukee witnessed forty-eight fatal accidents in 2019.

   
Fatal Accident Count 48
Vehicles involved in fatal accidents 82
Fatal accident involving drunk persons 14
Fatalities 55
Persons involved in fatal accidents 122

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How to save on auto insurance in Milwaukee, Wisconsin

Shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you. There are several hacks you can follow to reduce the insurance premium rates.

  • Compare and Purchase

Thorough online research can help in choosing the best insurance provider that suits your needs.

  • Delay your License

This might not seem to be a welcome move to aspiring teenage drivers. Considering the car insurance premiums for teenagers, there can be a considerable reduction in the rate if you are an older driver in the city. However, one can always make use of good student discounts and bundle your policies to reduce the premiums.

  • Increase your Deductible

Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Look for Discounts

Always look for discounts when you are purchasing insurance in Charleston. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates.

Tips for driving in Milwaukee, Wisconsin

Be weather-ready

Understanding the weather of a place is very important for smooth navigation through the city roads, and it saves time as well. One must always check the weather forecast before heading out since frequent rains can influence driving conditions. The city also witnesses severe winter storms as well.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
35 in. 47 in. 127 days 220 days

Know the PIP requirements of the state

Wisconsin is an at-fault state. Since PIP isn't available in the state, Wisconsin insurers offer medical payments insurance (often known as MedPay) instead of PIP insurance, covering hospital expenditures incurred due to a car accident.

Best Car Insurance Companies in Milwaukee

Insurance Company
State Farm
American Family
USAA
Erie
AAA
West Bend Mutual

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

Frequently Asked Questions

How much is full coverage insurance in Milwaukee, Wisconsin?

The average car insurance rate in the City of Milwaukee is $1656, which is higher than both the national and state averages.

How to find cheap car insurance in Milwaukee?

Comparing quotes from different providers can help determine the company that provides the cheapest insurance rates in the city. Way.com gives you a head start with our analysis of the best car insurance coverage companies nationally based on financial strength, customer service, protection, and price, all of which might influence your insurance coverage experience.

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Learn more by city and state for car insurance




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