Cheapest Car Insurance Quotes in Wauwatosa

Finding the cheapest car insurance quotes in Wauwatosa shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Wauwatosa Car Insurance

^$ 26

/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 Wauwatosa

The car insurance rate in Wauwatosa is $867 for a six-month policy, which is $190 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Wauwatosa 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 Wauwatosa

$867

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Wauwatosa

1st place: AAA

At $357 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 $532 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 $585 for six months, making it the third cheapest auto insurance company in Wauwatosa.

Wauwatosa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wauwatosa, WI is AAA, offering policies at just $357 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $532.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $973 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wauwatosa drivers find the best deals.

Cheap Car Insurance Companies in Wauwatosa, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$357	$60
West Bend Mutual	$532	$88
IMT Insurance Company	$585	$100
Auto-Owners Insurance Co	$593	$99
Chubb	$608	$104
Acuity	$654	$110
American Family	$662	$111
Travelers	$677	$114
Erie	$791	$133
USAA	$920	$155
Rockford Mutual	$965	$164
Nationwide	$1042	$175
Rural Mutual	$1073	$182
State Farm	$1073	$180
Progressive	$1254	$211
Farmers	$1338	$223
Allstate	$1551	$261
Secura	$822	$137
Hastings Mutual	$973	$165

Key Takeaways

Way's key takeaways about car insurance in Wauwatosa

The auto insurance costs in Wauwatosa fall around $357 for six months.
The cheapest auto insurance company in Wauwatosa is AAA.
Teen drivers pay the highest rate in Wauwatosa at $818 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Wauwatosa

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 Wauwatosa are given below.

AAA provides the cheapest minimum car insurance coverage in Wauwatosa. Their Average 6 Month Premium is $152. Secura is the most expensive at $205 for the same period.

Cheapest Liability Coverage in Wauwatosa, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$152	$26
Rural Mutual	$168	$28
Western National	$183	$31
Erie	$205	$35
USAA	$220	$37
West Bend Mutual	$228	$38
Auto-Owners Insurance Co	$236	$40
Acuity	$243	$41
American Family	$251	$42
Travelers	$251	$42
Progressive	$259	$44
Chubb	$266	$45
State Farm	$289	$49
Farmers	$448	$77
Allstate	$593	$100
Secura	$205	$35

Cheapest Full Coverage Car Insurance in Wauwatosa

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 Wauwatosa is AAA at $60 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wauwatosa, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$357	$60
West Bend Mutual	$532	$88
IMT Insurance Company	$585	$100
Auto-Owners Insurance Co	$593	$99
Chubb	$608	$104
Acuity	$654	$110
American Family	$662	$111
Travelers	$677	$114
Erie	$791	$133
USAA	$920	$155
Rockford Mutual	$965	$164
Nationwide	$1042	$175
Rural Mutual	$1073	$182
State Farm	$1073	$180
Progressive	$1254	$211
Farmers	$1338	$223
Allstate	$1551	$261
Secura	$822	$137
Hastings Mutual	$973	$165

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wauwatosa Instantly!

Average Car Insurance in Wauwatosa 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 Wauwatosa, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Wauwatosa, 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, Wauwatosa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Wauwatosa

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	$613
30s	USAA	$493
40s	USAA	$447
50s	USAA	$424
60s	USAA	$442
70s	USAA	$544

Cheapest Car Insurance Rates for Teen Drivers in Wauwatosa,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Wauwatosa at $42 per month. At $4904 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$251	$42
Travelers	$259	$44
Auto-Owners Insurance Co	$297	$50
Western National	$297	$50
West Bend Mutual	$334	$56
USAA	$1102	$186
Erie	$1133	$191
American Family	$1368	$230
Acuity	$2084	$351
State Farm	$2403	$404
Progressive	$3468	$584
Allstate	$4570	$769
Farmers	$4904	$818

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 Wauwatosa.

As young drivers face the highest rates in Wauwatosa, USAA offers the cheapest auto insurance rates at $613 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 Wauwatosa, Western National is the cheapest car insurance provider. At $191 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 Wauwatosa is Allstate, offering rates of around $2356 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$191	$32
AAA	$212	$36
West Bend Mutual	$274	$46
Chubb	$305	$51
IMT Insurance Company	$305	$51
Travelers	$357	$60
Acuity	$753	$127
American Family	$867	$146
State Farm	$928	$155
Erie	$1004	$169
Progressive	$1171	$197
Allstate	$2356	$401

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Wauwatosa.

Car Insurance Rates with An Accident in Wauwatosa

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 Wauwatosa, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Wauwatosa include Western National and Rural Mutual, offering $191 and $220, respectively. Allstate is an expensive provider with an average six-month premium of $2312.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$191	$32
Rural Mutual	$220	$37
Auto-Owners Insurance Co	$289	$49
AAA	$297	$50
Chubb	$305	$51
Travelers	$305	$51
West Bend	$319	$54
West Bend Mutual	$380	$65
Auto-Owners	$396	$65
Erie	$608	$102
USAA	$608	$102
American Family	$920	$155
Acuity	$965	$163
State Farm	$973	$164
Farmers	$1839	$307
Progressive	$2045	$344
Allstate	$2312	$389

Wauwatosa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wauwatosa WI. For example, the car insurance in Wauwatosa after a DUI increases to $1011 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Wauwatosa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$182
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1140	$191
One comp claim	$1156	$197
Two Med/PIP claims	$1171	$195
Failure to show documents	$1187	$202
Driving with expired registration	$1216	$202
Failure to wear a seat belt	$1224	$209
Two comp claims	$1247	$207
Driving without lights	$1293	$220
Child safety restraint	$1300	$216
Speeding 6 - 10 MPH over limit	$1308	$223
At-fault accident - less than $1000	$1324	$220
Cell phone violation	$1331	$227
Driving too slowly	$1338	$223
Failure to yield	$1338	$228
Speeding in school zone	$1338	$223
Illegal turn	$1345	$229
Speeding 11 - 15 MPH over limit	$1345	$224
Speeding 16 - 20 MPH over limit	$1345	$229
Texting while driving	$1345	$224
Wrong way/wrong lane	$1345	$229
Failure to stop at a red light	$1361	$227
Following too closely	$1361	$232
Improper passing	$1399	$233
Passing school bus	$1422	$242
In 65 MPH zone	$1498	$250
At-fault accident - $1000-$2000	$1559	$265
Speeding 21 - 25 MPH over limit	$1559	$260
Operating a vehicle without permission	$1567	$266
At-fault accident - greater than $2000	$1574	$262
Open container	$1588	$270
Reckless driving	$2053	$342
Racing	$2061	$351
Refusal to submit to a chemical test	$2076	$346
Driving with a suspended license	$2084	$355
Leaving scene of an accident/hit and run	$2092	$348
DUI	$2098	$357

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Wauwatosa 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 Wauwatosa.

The cheapest car insurance premiums in Wauwatosa are offered by Western National at $191 for a six-month policy. However, it can be as expensive as $1847 with companies like Allstate.

Wauwatosa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$191	$32
Chubb	$305	$51
Travelers	$357	$60
West Bend	$426	$70
Kemper	$434	$74
USAA	$799	$134
Erie	$828	$140
American Family	$943	$159
Progressive	$1133	$191
State Farm	$1216	$205
Farmers	$1772	$301
Acuity	$1787	$298
Allstate	$1847	$311

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 Wauwatosa are offered by Western National at $191. However, it can be as expensive as $1718 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wauwatosa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$191	$32
AAA	$243	$41
Auto-Owners Insurance Co	$266	$45
Travelers	$297	$50
Chubb	$305	$51
West Bend Mutual	$349	$59
Erie	$540	$91
State Farm	$631	$106
American Family	$639	$108
Acuity	$760	$128
Progressive	$1004	$169
Allstate	$1718	$292

Car Insurance Price Trends in Wauwatosa, Wisconsin

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

The average cost of full coverage in the Wauwatosa rose by $160 in December compared to $156 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Wauwatosa rose to $44 in December, compared to $41 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Wauwatosa?

The car insurance in Wauwatosa is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Wauwatosa?

The cheapest car insurance in Wauwatosa is $60 per month for full coverage.

How much is car insurance in Wauwatosa for teenagers?

Car insurance for teenagers costs $251 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 Wauwatosa?

The average cost of car insurance is $677 for a six-month policy. It will cost around $146 per month to insure your car in Wauwatosa.

Is car insurance expensive in Wauwatosa?

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

Cheapest Car Insurance Quotes in Wauwatosa

Why you can trust Way?

How Much Is Car Insurance in Wauwatosa

Avg. Car Insurance in Wauwatosa

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Wauwatosa

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Wauwatosa Car Insurance Rates by Company

Cheap Car Insurance Companies in Wauwatosa, WI

Way's key takeaways about car insurance in Wauwatosa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wauwatosa

Cheapest Liability Coverage in Wauwatosa, WI

Cheapest Full Coverage Car Insurance in Wauwatosa

Cheapest Full Coverage Car Insurance Quotes in Wauwatosa, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wauwatosa by Rating Factor

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

Car Insurance Premiums by Age in Wauwatosa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wauwatosa,WI

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

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 Wauwatosa

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

Wauwatosa Car Insurance Rates by Violation

Wauwatosa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wauwatosa after a DUI

Wauwatosa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wauwatosa after Speeding ticket

Car Insurance Price Trends in Wauwatosa, Wisconsin

Average Car Insurance Cost in Wauwatosa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wauwatosa, WI

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

Featured Blogs

Data Sources