Cheapest Car Insurance Quotes in West Milwaukee

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West Milwaukee Car Insurance

^$ 24

/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 West Milwaukee

The car insurance rate in West Milwaukee is $819 for a six-month policy, which is $142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $338, making it a popular choice for budget-conscious drivers. Rates in West 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 West Milwaukee

$819

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in West Milwaukee

1st place: AAA

At $338 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 $503 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 $553 for six months, making it the third cheapest auto insurance company in West Milwaukee.

West Milwaukee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Milwaukee, WI is AAA, offering policies at just $338 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $503.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Milwaukee drivers find the best deals.

Cheap Car Insurance Companies in West Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$338	$57
West Bend Mutual	$503	$83
IMT Insurance Company	$553	$94
Auto-Owners Insurance Co	$560	$93
Chubb	$575	$98
Acuity	$618	$104
American Family	$626	$105
Travelers	$640	$108
Erie	$748	$126
USAA	$870	$146
Rockford Mutual	$912	$155
Nationwide	$985	$166
Rural Mutual	$1014	$172
State Farm	$1014	$171
Progressive	$1186	$200
Farmers	$1264	$211
Allstate	$1467	$247
Secura	$777	$129
Hastings Mutual	$920	$156

Key Takeaways

Way's key takeaways about car insurance in West Milwaukee

The auto insurance costs in West Milwaukee fall around $338 for six months.
The cheapest auto insurance company in West Milwaukee is AAA.
Teen drivers pay the highest rate in West Milwaukee at $773 per month.

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Cheapest Minimum Liability Car Insurance in West 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 West Milwaukee are given below.

AAA provides the cheapest minimum car insurance coverage in West Milwaukee. Their Average 6 Month Premium is $144. Secura is the most expensive at $194 for the same period.

Cheapest Liability Coverage in West Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$144	$24
Rural Mutual	$159	$27
Western National	$173	$29
Erie	$194	$33
USAA	$208	$35
West Bend Mutual	$215	$36
Auto-Owners Insurance Co	$223	$38
Acuity	$230	$39
American Family	$237	$40
Travelers	$237	$40
Progressive	$244	$41
Chubb	$252	$42
State Farm	$273	$46
Farmers	$424	$73
Allstate	$560	$94
Secura	$194	$33

Cheapest Full Coverage Car Insurance in West 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 West Milwaukee is AAA at $57 per month and $338 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Milwaukee, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$338	$57
West Bend Mutual	$503	$83
IMT Insurance Company	$553	$94
Auto-Owners Insurance Co	$560	$93
Chubb	$575	$98
Acuity	$618	$104
American Family	$626	$105
Travelers	$640	$108
Erie	$748	$126
USAA	$870	$146
Rockford Mutual	$912	$155
Nationwide	$985	$166
Rural Mutual	$1014	$172
State Farm	$1014	$171
Progressive	$1186	$200
Farmers	$1264	$211
Allstate	$1467	$247
Secura	$777	$129
Hastings Mutual	$920	$156

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Average Car Insurance in West 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 West Milwaukee, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in West 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, West 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 West 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	$580
30s	USAA	$466
40s	USAA	$422
50s	USAA	$401
60s	USAA	$417
70s	USAA	$514

Cheapest Car Insurance Rates for Teen Drivers in West Milwaukee,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the West Milwaukee at $40 per month. At $4636 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$237	$40
Travelers	$244	$41
Auto-Owners Insurance Co	$281	$47
Western National	$281	$47
West Bend Mutual	$316	$53
USAA	$1042	$175
Erie	$1071	$180
American Family	$1293	$218
Acuity	$1970	$332
State Farm	$2271	$382
Progressive	$3278	$552
Allstate	$4320	$727
Farmers	$4636	$773

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 West Milwaukee.

As young drivers face the highest rates in West Milwaukee, USAA offers the cheapest auto insurance rates at $580 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 West Milwaukee, Western National is the cheapest car insurance provider. At $180 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 West Milwaukee is Allstate, offering rates of around $2228 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
AAA	$201	$34
West Bend Mutual	$259	$44
Chubb	$288	$48
IMT Insurance Company	$288	$48
Travelers	$338	$57
Acuity	$711	$120
American Family	$819	$138
State Farm	$877	$146
Erie	$949	$160
Progressive	$1107	$186
Allstate	$2228	$379

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Car Insurance Rates with An Accident in West 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 West Milwaukee, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in West Milwaukee include Western National and Rural Mutual, offering $180 and $208, respectively. Allstate is an expensive provider with an average six-month premium of $2185.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
Rural Mutual	$208	$35
Auto-Owners Insurance Co	$273	$46
AAA	$281	$47
Chubb	$288	$48
Travelers	$288	$48
West Bend	$301	$51
West Bend Mutual	$359	$62
Auto-Owners	$374	$62
Erie	$575	$97
USAA	$575	$97
American Family	$870	$146
Acuity	$912	$154
State Farm	$920	$155
Farmers	$1739	$290
Progressive	$1934	$325
Allstate	$2185	$368

West Milwaukee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Milwaukee WI. For example, the car insurance in West Milwaukee after a DUI increases to $956 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

West Milwaukee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1027	$172
One Med/PIP claim	$1035	$175
Not-at-fault accident	$1078	$180
One comp claim	$1093	$186
Two Med/PIP claims	$1107	$184
Failure to show documents	$1122	$191
Driving with expired registration	$1150	$191
Failure to wear a seat belt	$1157	$197
Two comp claims	$1179	$196
Driving without lights	$1222	$208
Child safety restraint	$1229	$204
Speeding 6 - 10 MPH over limit	$1237	$211
At-fault accident - less than $1000	$1251	$208
Cell phone violation	$1258	$214
Driving too slowly	$1264	$211
Failure to yield	$1264	$215
Speeding in school zone	$1264	$211
Illegal turn	$1272	$217
Speeding 11 - 15 MPH over limit	$1272	$212
Speeding 16 - 20 MPH over limit	$1272	$217
Texting while driving	$1272	$212
Wrong way/wrong lane	$1272	$217
Failure to stop at a red light	$1286	$214
Following too closely	$1286	$219
Improper passing	$1323	$220
Passing school bus	$1344	$229
In 65 MPH zone	$1416	$236
At-fault accident - $1000-$2000	$1474	$250
Speeding 21 - 25 MPH over limit	$1474	$246
Operating a vehicle without permission	$1481	$252
At-fault accident - greater than $2000	$1488	$248
Open container	$1502	$255
Reckless driving	$1941	$323
Racing	$1948	$332
Refusal to submit to a chemical test	$1963	$327
Driving with a suspended license	$1970	$335
Leaving scene of an accident/hit and run	$1977	$329
DUI	$1983	$338

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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 West 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 West Milwaukee.

The cheapest car insurance premiums in West Milwaukee are offered by Western National at $180 for a six-month policy. However, it can be as expensive as $1746 with companies like Allstate.

West Milwaukee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
Chubb	$288	$48
Travelers	$338	$57
West Bend	$403	$67
Kemper	$410	$70
USAA	$755	$127
Erie	$783	$132
American Family	$892	$150
Progressive	$1071	$180
State Farm	$1150	$194
Farmers	$1675	$284
Acuity	$1689	$282
Allstate	$1746	$294

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 West Milwaukee are offered by Western National at $180. However, it can be as expensive as $1624 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Milwaukee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
AAA	$230	$39
Auto-Owners Insurance Co	$252	$42
Travelers	$281	$47
Chubb	$288	$48
West Bend Mutual	$330	$56
Erie	$511	$86
State Farm	$597	$100
American Family	$604	$102
Acuity	$719	$121
Progressive	$949	$160
Allstate	$1624	$276

Car Insurance Price Trends in West Milwaukee, Wisconsin

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

The average cost of full coverage in the West Milwaukee remained steady at $151 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West Milwaukee remained steady at $41 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in West Milwaukee?

The car insurance in West Milwaukee is $24 per month, which is lower than the national average.

What is the cheapest car insurance in West Milwaukee?

The cheapest car insurance in West Milwaukee is $57 per month for full coverage.

How much is car insurance in West Milwaukee for teenagers?

Car insurance for teenagers costs $237 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 West Milwaukee?

The average cost of car insurance is $677 for a six-month policy. It will cost around $138 per month to insure your car in West Milwaukee.

Is car insurance expensive in West Milwaukee?

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

Cheapest Car Insurance Quotes in West Milwaukee

Why you can trust Way?

How Much Is Car Insurance in West Milwaukee

Avg. Car Insurance in West Milwaukee

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in West Milwaukee

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

West Milwaukee Car Insurance Rates by Company

Cheap Car Insurance Companies in West Milwaukee, WI

Way's key takeaways about car insurance in West Milwaukee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Milwaukee

Cheapest Liability Coverage in West Milwaukee, WI

Cheapest Full Coverage Car Insurance in West Milwaukee

Cheapest Full Coverage Car Insurance Quotes in West Milwaukee, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Milwaukee by Rating Factor

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

Car Insurance Premiums by Age in West Milwaukee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Milwaukee,WI

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

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

West Milwaukee Car Insurance Rates by Violation

West Milwaukee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Milwaukee after a DUI

West Milwaukee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Milwaukee after Speeding ticket

Car Insurance Price Trends in West Milwaukee, Wisconsin

Average Car Insurance Cost in West Milwaukee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Milwaukee, WI

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

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