Cheap Milwaukee Car Insurance Quotes

Would you like to stop overpaying and find cheaper insurance rates in Milwaukee, WI? Are you burned out from robbing Peter to pay Paul to pay your insurance bill each month? You are in the same boat as millions of other drivers.

Amazlingly, a recent NerdWallet.com study showed that most insurance policyholders have purchased from the same company for a minimum of four years, and nearly half have never even compared quotes to find lower-cost rates. With the average insurance premium being $1,300, Milwaukee drivers could save an average of 30% each year, but they just feel it's too hard to shop around. Popular companies such as Progressive, State Farm and GEICO continually hit you with TV and radio ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It's a great practice to check insurance prices periodically since prices are usually higher with each renewal. If you had the best deal on insurance a year ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance because you're about to learn how to use online quotes to eliminate unnecessary coverages and save money on insurance.

If you have insurance now or need a new policy, you can use these techniques to find the best rates and still have adequate protection. Buying the cheapest auto insurance in Milwaukee is actually quite easy if you know where to start. Drivers only need an understanding of the most time-saving way to compare rates instantly.

Getting a cheap price on insurance is actually quite simple. The only thing you need to do is spend a few minutes on the computer to compare rate quotes from different insurance companies.

Doing online rates comparisons is so easy that it makes it obsolete to drive around to different Milwaukee agent offices. Comparing online rate quotes makes this process obsolete unless you're the type of person who wants the advice and guidance of a local agency. If you prefer, some companies allow you to comparison shop your insurance online but still have the advice of a local Milwaukee agent.

The companies in the list below offer free rate quotes in Milwaukee, WI. If the list has multiple companies, we suggest you visit as many as you can to find the lowest car insurance rates.

Insurance Rates for Popular Vehicles in Milwaukee
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 4WD $730 $365 $61
Dodge Grand Caravan Hero $816 $408 $68
Dodge Ram Quad Cab Sport 4WD $816 $408 $68
Ford Escape XLS 2WD $586 $293 $49
Ford F-150 Lariat Crew Cab Platinum 4WD $668 $334 $56
Ford Focus SES 4-Dr Sedan $628 $314 $52
Ford Fusion SEL AWD 4-Dr Sedan $1,070 $535 $89
GMC Sierra SLE Regular Cab 4WD $774 $387 $65
Honda Accord LX-S 2-Dr Coupe $668 $334 $56
Honda CR-V EX-L 2WD $530 $265 $44
Honda Civic EX-L 2-Dr Coupe $754 $377 $63
Jeep Wrangler Sahara 4WD 2-Dr $646 $323 $54
Mazda 3 S Sport 4-Dr Hatchback $572 $286 $48
Nissan Altima 2.5 S 2-Dr Coupe $794 $397 $66
Toyota Camry XLE $836 $418 $70
Toyota Corolla LE $1,052 $526 $88
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in zip code location which can alter auto insurance rates substantially.

Deductible comparison

When shopping for car insurance, a common question is which deductibles should you choose. The tables below determine the price difference when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Fusion insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $178 $300 $230 $14 $68 $815 $68
Fusion SE 4-Dr Sedan $200 $352 $230 $14 $68 $889 $74
Fusion Hybrid 4-Dr Sedan $200 $406 $288 $18 $86 $1,023 $85
Fusion SEL 4-Dr Sedan $200 $352 $230 $14 $68 $889 $74
Fusion Sport 4-Dr Sedan $200 $352 $230 $14 $68 $889 $74
Fusion SEL AWD 4-Dr Sedan $224 $406 $230 $14 $68 $967 $81
Fusion Sport AWD 4-Dr Sedan $224 $406 $230 $14 $68 $967 $81
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Ford Fusion insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $110 $188 $230 $14 $68 $610 $51
Fusion SE 4-Dr Sedan $124 $222 $230 $14 $68 $658 $55
Fusion Hybrid 4-Dr Sedan $124 $256 $288 $18 $86 $772 $64
Fusion SEL 4-Dr Sedan $124 $222 $230 $14 $68 $658 $55
Fusion Sport 4-Dr Sedan $124 $222 $230 $14 $68 $658 $55
Fusion SEL AWD 4-Dr Sedan $138 $256 $230 $14 $68 $706 $59
Fusion Sport AWD 4-Dr Sedan $138 $256 $230 $14 $68 $706 $59
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in zip code location which can revise prices greatly.

Based on the figures above, using a $250 deductible could cost the average driver approximately $20 more each month or $240 every year than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 38 months between claim filings, you would probably be better off if you choose the higher deductible. The table below shows the way you can perform this determination yourself.

Average monthly premium for $250 deductibles: $77
Average monthly premium for $1,000 deductibles (subtract): - $57
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One big caveat is that raising deductibles to save money means you pay more out-of-pocket at claim time. You need some available funds in the event you need to pay the deductible for vehicle repair.

Age, gender, and differences in insurance rates

The example below illustrates the comparison of car insurance costs for male and female drivers in Milwaukee. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied on a Chevrolet Malibu LTZ.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Three main reasons to buy auto insurance

Despite the high cost, insuring your vehicle is mandatory in Wisconsin but it also protects more than you think.

The benefits of insuring your vehicle more than offset the price you pay, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $830 a year so compare rate quotes at least once a year to ensure rates are inline.

Take policy discounts and save on insurance

Buying insurance is not cheap, but you may be missing some discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but some may not be applied and must be asked about before you get the savings.Insurance discounts

You can save money using discounts, but some credits don't apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like it's possible to get free car insurance, companies don't profit that way.

A few popular companies and some of the premium reductions they offer are:

Check with each insurance company the best way to save money. Some discounts might not be offered in Milwaukee.

Car insurance agents near you

Many people just want to get professional advice from a licensed agent and that is just fine! Experienced insurance agents can make sure you are properly covered and give you someone to call. The biggest benefit of getting online price quotes is that drivers can save money and get the lowest rates and still buy from a local agent.

Milwaukee insurance agentsAfter filling out this quick form, your information is immediately sent to insurance agents in Milwaukee who will give competitive quotes for your insurance coverage. You don't have to contact any agents as quotes are delivered to you instantly. If for some reason you want to compare rates from a specific insurance company, you just need to jump over to their website and submit a quote form there.

Choosing the best insurer should include more criteria than just the quoted price. Here are some questions to ask:

Exclusive and independent Milwaukee car insurance agents

When narrowing the list to find a local insurance agency, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agents may be either exclusive or independent. Either can write policy coverage, but it's good to learn how they are different because it may have an impact on the type of agent you choose.

Exclusive Insurance Agencies

Exclusive agencies normally can only provide a single company's rates such as State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. They are highly trained on their products and sales techniques which can be an advantage.

Below is a list of exclusive agents in Milwaukee that are able to give price quotes.


6111 W Bluemound Rd - Milwaukee, WI 53213 - (414) 259-0040 - View Map


3436 South 13th Street - Milwaukee, WI 53215 - (414) 672-2000 - View Map


3927 S 76th St - Milwaukee, WI 53220 - (414) 329-3999 - View Map

More Milwaukee agents

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company so they can quote policies with a variety of different insurance companies and find you cheaper rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don't have to find a new agent. When comparing rates, you definitely need to contact several independent agencies to have the most options to choose from.

Below is a short list of independent agents in Milwaukee that are able to give price quote information.


4234 N 76th St - Milwaukee, WI 53222 - (414) 461-4120 - View Map


715 Milwaukee St - Delafield, WI 53018 - (262) 646-8252 - View Map


828 W Historic Mitchell St - Milwaukee, WI 53204 - (414) 727-8284 - View Map

More Milwaukee agents

Car insurance overall losses by make and model

What vehicles have the most claims? The statistics tables below list the best and worst models for the overall chance of filing claims.

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 BMW M6
Ford F-350 BMW M6
Nissan Xterra Maserati Quattroporte
Chevy Silverado 2500 Porsche Panamera GTS
Chevy Spark Audi S7
Volvo V60 Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Amount Highest Claim Amount
Ford Expedition Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer
Tesla Model S Chevrolet Spark
Ford F-350 SuperCrew Kia Forte
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 2500 Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Kia Optima
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Dodge Charger
Audi A6 Chevrolet Impala
Chevrolet Corvette Kia Rio
Subaru Forester Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Ghibli
Smart ForTwo Bentley Continental Flying Spur
Ford Edge Audi RS7
Ford F-150 SuperCrew Bently Continental GTC
GMC Canyon BMW M6
Ford F-250 SuperCab BMW 6 Series

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistence will pay off

Some insurance companies may not have rates over the internet and usually these small insurance companies prefer to sell through local independent agencies. Budget-friendly insurance in Milwaukee can be purchased both online and with local Milwaukee insurance agents, and you should compare price quotes from both to have the best selection.

We just covered some good ideas how to compare insurance car insurance rates in Milwaukee. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Milwaukee car insurance quotes. You may even discover the lowest car insurance rates come from the least-expected company. Regional companies may only write in your state and offer lower premium rates than their larger competitors like State Farm and Allstate.

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