For drivers in Milwaukee, one of the more important criteria that are looked at to determine car insurance rates is where you call home. Regions with more people or even just more weather-related claims tend to pay more, whereas less populated areas benefit from lower rates.
The information below sorts the most costly cities in Wisconsin to buy an auto insurance policy in. Milwaukee is ranked #1 with a yearly cost of $1,354 for car insurance, which is around $113 per month.
|20||Fond du Lac||$985|
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Rate information is comparative as the vehicle garaging location can revise auto insurance rates significantly.
Now that we understand where Milwaukee ranks for car insurance prices, finding good, low-cost auto insurance is challenging, and determining which companies offer the cheapest auto insurance rates in Milwaukee calls for even more shopping around. Each insurance company has their own guidelines for establishing rates, so first we will examine the auto insurance companies with the overall best prices in Wisconsin.
Find Cheaper Car Insurance in Milwaukee
|Rank||Company||Cost Per Year|
|6||Rural Mutual Insurance||$749|
|11||West Bend Mutual||$899|
|15||Auto Club Group||$968|
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USAA generally has some of the most affordable car insurance rates in Milwaukee at around $598 each year. This is $563 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance would also make the list of some of the more affordable Milwaukee, WI auto insurance companies.
As depicted above, if you buy coverage from Pekin Insurance and switched to Partners Mutual, you might achieve annual savings of in the vicinity of $131. Wisconsin drivers with Rural Mutual Insurance may save as much as $135 a year, and Integrity Mutual customers might lower prices by up to $148 a year.
Be aware that those estimates are averaged for all insureds and vehicles and do not take into consideration a specific location in Milwaukee. So the company that fits your needs best may not even be in the list above. That underscores the importance of why you need to get quotes using your own individual information.
The car, truck, or SUV you are buying coverage for is one of the main factors when comparing affordable car insurance in Milwaukee. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models. The list below showcases insurance premiums for a selection of the cheapest vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,659|
|Honda Accord LX 4-Dr Sedan||$1,664|
|Honda CR-V EX-L 2WD||$1,697|
|Ford Explorer XLT AWD||$1,861|
|Toyota RAV4 Limited 4WD||$1,963|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$2,104|
|Ford Focus SES 2-Dr Coupe||$2,206|
|Chevrolet Impala LS||$2,212|
|Ford Edge Limited 2WD||$2,219|
|Honda Odyssey LX||$2,236|
|Kia Optima EX||$2,244|
|GMC Sierra SLT Crew Cab 4WD||$2,253|
|Ford Fusion SEL AWD 4-Dr Sedan||$2,244|
|Dodge Ram 3500 Mega Cab SLT 2WD||$2,282|
|Ford F-350 Super Cab Harley Turbo Diesel 2WD||$2,290|
|Ford F-150 FX4 4WD||$2,294|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can lower or raise insurance rates significantly.
By looking at the data, you can infer that makes and models like the Ford Escape, Honda Accord, Honda CR-V, Ford Explorer, and Toyota RAV4 are the cheapest vehicles to insure for drivers in Milwaukee.
Impact of citations and accidents on insurance rates
The ideal way to receive affordable auto insurance rates for drivers in Milwaukee is to pay attention while driving and avoid accidents and traffic violations. The diagram below illustrates how violations and accident claims can increase insurance prices for each age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
The chart shows that the average cost of an auto insurance policy in Wisconsin per year with no accidents and a clean driving record is $1,539. Factor in one speeding ticket and the average cost swells to $1,744, an increase of $205 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance in Milwaukee goes up to an average of $3,527. That’s an increase of $1,987, or $166 per month, just for not driving attentively!
The benefit of shopping around
Milwaukee auto insurance rates are calculated based on many things that control the price you have to pay. Simply getting older, moving across town, or getting a ticket for careless driving may cause policy rate changes that can cause some rates to be much cheaper than others.
In addition, insurers amend pricing as often as every quarter in order to be able to pay unexpected claims. Significantly higher claims can result in more expensive premiums, while a profitable period can produce cheaper Milwaukee car insurance rates.
As an example, the graph below shows which companies have the cheapest car insurance in Milwaukee, WI for a 30-year-old female driver with no prior accidents, a clean driving record, and excellent credit. If we estimate prices based on her personal profile, USAA may offer the lowest car insurance rates in Milwaukee at $849 annually. This is $312 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Rockford Mutual, Erie, and Nationwide are the remainder of the top five cheapest Milwaukee, WI auto insurance companies.
Now we will give the driver from the above example an at-fault accident, a lower credit score, and a speeding ticket. Due to the fact that every auto insurer uses a different method to determining premium rates, analyzing rates may result in a slightly different list of affordable Milwaukee car insurance companies as shown below.
Rural Mutual Insurance now has the lowest car insurance rate in Milwaukee, WI with Western National, Integrity Mutual, Travelers, and West Bend Mutual now rounding out the top five. This illustrates why it is important to do a thorough rate comparison when trying to get the most economical car insurance rates in Milwaukee. Insurance prices can be altered by many different factors and can increase or decrease at any time, so the cheapest rate three years ago may now not even be in the top five.
How to find budget-friendly car insurance in Milwaukee
It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help Milwaukee drivers find more affordable auto insurance.
- Higher physical damage deductibles lower rates
- Full coverage is expensive so only insure older vehicles for liability only
- Pay lower rates with good credit
- Do not get into accidents that are your fault
- Violations like speeding or DUI increase rates
- Safe vehicles cost less to insure
- Compare rate quotes often
The last tip is remarkably important, as we stressed in this write-up. Insurance rates in Milwaukee can be adjusted at any time, so drivers shouldn’t be resistant to buy from a new company if a more affordable rate is found. Staying with the same company for years is fine, but it’s not a great idea if that stubbornness costs you thousands of dollars over the life of your policy. Now is a great time to shop around to find cheaper car insurance in Milwaukee.
The Milwaukee car insurance agencies listed below can probably aid you in deciding which insurance coverage will be best for you, since many consumers aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates in Milwaukee. It’s not always simple to find the best policy yourself, and getting professional guidance from a licensed agent can provide you satisfaction knowing you have adequate asset protection. To locate a Milwaukee car insurance agency closest to you, click the button link following the list.
Diana Kostal – State Farm Insurance Agent
1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680
American Family Insurance – James W Eve Agency LLC
6917 W Oklahoma Ave – Milwaukee, WI 53219 – (414) 546-2100
State Farm Insurance
2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300
Schwade Insurance Agency, Inc.
8131 W Capitol Dr – Milwaukee, WI 53222 – (414) 462-5000
Frank Marchan Insurance Agency, LLC
3931 S Howell Ave – Milwaukee, WI 53207 – (414) 755-4999