What is the Cheapest Car Insurance in Milwaukee, Wisconsin?

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.

How much is auto insurance in Milwaukee, WI?
Rank City Annual Premium
1 Milwaukee $1,354
2 Wauwatosa $1,319
3 West Allis $1,246
4 Oak Creek $1,202
5 Racine $1,193
6 Kenosha $1,182
7 Greenfield $1,168
8 Franklin $1,151
9 Beloit $1,118
10 New Berlin $1,060
11 Eau Claire $1,059
12 La Crosse $1,053
13 Janesville $1,042
14 Wausau $1,037
15 Menomonee Falls $1,037
16 Brookfield $1,035
17 Waukesha $1,034
18 Madison $1,030
19 West Bend $987
20 Fond du Lac $985
21 Green Bay $969
22 Manitowoc $967
23 Oshkosh $951
24 Appleton $936
25 Sheboygan $935
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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.

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Wisconsin car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $598
2 Partners Mutual $614
3 Erie $717
4 Rockford Mutual $732
5 Pekin Insurance $745
6 Rural Mutual Insurance $749
7 Integrity Mutual $762
8 Nationwide $768
9 Western National $793
10 Travelers $820
11 West Bend Mutual $899
12 State Farm $905
13 The Hartford $950
14 General Casualty $964
15 Auto Club Group $968
16 Progressive $1,118
17 Farmers $1,141
18 Auto-Owners $1,160
19 American Family $1,171
20 GEICO $1,238
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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.

Cheapest Vehicles to Insure in Milwaukee, WI
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
Toyota Prius $2,265
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.

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 DrMilwaukee, WI 53211(414) 964-8680

American Family Insurance – James W Eve Agency LLC
6917 W Oklahoma AveMilwaukee, WI 53219(414) 546-2100

State Farm Insurance
2121 S Kinnickinnic Ave #7Milwaukee, WI 53207(414) 483-3300

Schwade Insurance Agency, Inc.
8131 W Capitol DrMilwaukee, WI 53222(414) 462-5000

Frank Marchan Insurance Agency, LLC
3931 S Howell AveMilwaukee, WI 53207(414) 755-4999

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