Who Has Cheap Auto Insurance for First-time Drivers in Milwaukee?

One of the many criteria that are used to help calculate insurance cost is your address in Milwaukee. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the luxury of lower rates.

The following table shows the priciest cities in Wisconsin for first-time drivers to purchase a policy in. Milwaukee comes in at #1 having an annual price of $1,354 on average, which is approximately $113 each month.

How much does auto insurance cost in Milwaukee?
Rank City Annual Rate
1 Milwaukee $1,354
2 Wauwatosa $1,305
3 West Allis $1,234
4 Kenosha $1,230
5 Oak Creek $1,190
6 Racine $1,181
7 Greenfield $1,168
8 Beloit $1,164
9 Franklin $1,117
10 Eau Claire $1,081
11 Brookfield $1,067
12 Madison $1,062
13 New Berlin $1,060
14 Waukesha $1,054
15 Menomonee Falls $1,037
16 Wausau $1,037
17 La Crosse $1,033
18 Janesville $1,022
19 Fond du Lac $995
20 West Bend $977
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Premium costs are approximated as zip code location can affect price quotes substantially.

The vehicle model you are buying coverage for is one of the largest considerations when comparing cheaper coverage for first-time drivers. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models.

The next table estimates auto insurance rates for the most cost-effective vehicles to insure in Wisconsin.

Cheapest Vehicles to Insure in Milwaukee, WI
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $6,597
Honda Accord LX-P 4-Dr Sedan $6,605
Honda CR-V EX-L 4WD $6,659
Jeep Wrangler Sport 4WD 2-Dr $6,963
Toyota Prius $7,118
Toyota Tacoma 4WD $7,425
Ford F-150 XLT Super Cab 4WD $7,484
Honda Odyssey EX $7,764
Ford Edge SE AWD $7,774
Chevrolet Impala LS $7,764
Dodge Grand Caravan Hero $7,826
Toyota RAV4 Sport 2WD $7,831
Chevrolet Equinox LT 2WD $7,826
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Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in garaging location in Milwaukee, WI which can alter premiums significantly.

Based upon these rates, you can expect models like the Ford Escape, Honda Accord, Honda CR-V, and Jeep Wrangler are likely to be the most affordable vehicles to insure for new drivers. The price of auto insurance will trend higher just because there is more claim risk for first-time drivers, but generally speaking those particular models will tend to have the cheapest car insurance rates compared to other types of vehicles.

Establishing which company offers the most affordable auto insurance rates for first-time drivers will involve a bit more work in order to find the lowest price quote.

Each auto insurance company has a proprietary formula to determine rates, so let’s take a look at the auto insurance companies with the most affordable rates in Wisconsin. It’s important that you understand Milwaukee auto insurance rates are impacted by many factors that may substantially change the price of coverage. Simply having another birthday, buying a different vehicle, or getting a speeding ticket may cause policy rate changes that may make certain companies much cheaper than others.

Cheapest Insurance Rates for Inexperienced Drivers

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Who has the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $580
2 Partners Mutual $614
3 Erie $724
4 Nationwide $745
5 Rural Mutual Insurance $749
6 Rockford Mutual $754
7 Pekin Insurance $768
8 Integrity Mutual $770
9 Western National $801
10 Travelers $804
11 West Bend Mutual $899
12 State Farm $932
13 General Casualty $936
14 The Hartford $940
15 Auto Club Group $968
16 American Family $1,125
17 Farmers $1,141
18 Auto-Owners $1,148
19 Progressive $1,152
20 GEICO $1,202
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USAA may offer some of the cheapest car insurance rates in Milwaukee at around $580 a year. Partners Mutual, Erie, Nationwide, and Rural Mutual Insurance also rank well as some of the more affordable Milwaukee, WI auto insurance companies.

In the rate table above, if you are currently insured with Erie and switched to USAA, you could see a yearly savings of in the neighborhood of $144. Policyholders with Nationwide might save as much as $165 a year, and Rural Mutual Insurance policyholders might lower prices by $169 a year.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for first-time drivers. So the auto insurance company that fits your needs best may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Poor driving habits will raise your auto insurance rates

One of the best ways to find good auto insurance rates for new drivers is to be a safe driver and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault accidents drive up car insurance rates for each different age category. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in Milwaukee per year with no accidents and a clean driving record is $843. Factor in one speeding ticket and the average cost hikes up to $981, an increase of $138 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for first-time drivers goes up to an average of $1,363. That’s an increase of $520, or $43 per month, just for being a less-than-perfect driver!

Selecting a highly-rated insurer can be a challenge considering how many different companies insure vehicles in Wisconsin. The ranking information in the lists below could help you select which auto insurers you want to consider purchasing coverage from.

The ratings below are for large, nationwide insurance companies, so smaller companies will not be included in these rankings. If you wish to compare prices from the insurers below and more, just click here.

Top 10 Major Auto Insurers in Milwaukee Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. Liberty Mutual
  6. State Farm
  7. Allstate
  8. Safeco Insurance
  9. Travelers
  10. 21st Century

Top 10 Major Auto Insurers in Milwaukee Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Erie Insurance – A+
  9. Progressive – A+
  10. Allstate – A+

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Milwaukee, WI auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay. Turning one year older, buying a different vehicle, or getting a driving violation can produce rate changes resulting in some rates now being cheaper than before.

In addition, insurers change the rates they charge in Wisconsin every year or even multiple times each year to adjust for unexpected claims or profits. Heavy losses can result in rate hikes, while better underwriting may produce cheaper Milwaukee car insurance rates.

For example, the graph below shows rates for the cheapest car insurance in Milwaukee, WI for a 30-year-old male driver with a clear driving record, no claims, and great credit. Based on his current risk profile, USAA may have the best car insurance rates in Milwaukee at $848 per year. This is $313 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also make the list of the best Milwaukee, WI auto insurance companies.

Now we will give the driver from the first example a claim or two, a lower credit rating, and a traffic citation. Since each auto insurance company uses their own method to determining premium rates, comparing rates may now show a substantially altered list of the cheapest Milwaukee car insurance companies as shown below.

Western National now has the cheapest car insurance in Milwaukee, WI with Rural Mutual Insurance, Integrity Mutual, Travelers, and West Bend Mutual now being in the top five. This example demonstrates why Milwaukee drivers need to compare lots of rates when trying to find the most affordable insurance rates for first-time drivers.

Insurance rates are influenced by many different factors and change frequently, so the best option the last time you shopped around may now be costing you a lot of money.

If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when trying to find lower insurance rates for new drivers, the agents below can probably help you make a decision which policy is best.

To locate a Milwaukee auto insurance agent closest to you, click the button below the list.

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