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Milwaukee Car Insurance

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Milwaukee car insurance rates

Milwaukee car insurance

If you’re researching car insurance in Milwaukee or trying to find cheap car insurance quotes in Milwaukee while shopping for a policy, you’ll find all the information you need here. We provide average car insurance rates for Milwaukee listed by ZIP code and company. That way you can get a reference point for how much you can expect to pay. We’ll also explain how coverage works, and how much car insurance you need.

Drivers in Milwaukee pay the highest car insurance rates in the state, but regardless of where you live, you can save a considerable amount if you compare car insurance quotes for Milwaukee. This is why:

No policy is priced the same by multiple insurers.

They also use different formulas when deciding what you pay, which is why the price for the same policy varies by hundreds, or thousands, from one insurer to the next.

For example, Milwaukee ZIP code 53206, with an average rate of $2,203, is the most expensive in the city – and the state, according to a CarInsurance.com analysis. The highest rate from insurers surveyed for that neighborhood ($4,886) was $3,809 more than the lowest ($1,077), according our rate analysis.

The wide range in rates from different insurers shows why it's wise to compare car insurance rates.  Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies.

Your age, your driving history, your credit and the type of car you drive, among other factors, are all used by insurance companies to calculate how much you pay. But where you live is typically used by insurers as a base line for the process, with other variables either increasing or decreasing that amount. Insurance companies assess ZIP codes’ risk levels based on the number and severity of car insurance claims within the area.


 

Milwaukee Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Wisconsin
HIGHEST RATE PER MONTH:
  • 53206- MILWAUKEE: $59
  • 53216- MILWAUKEE: $59
  • 53212- MILWAUKEE: $55
  • 53210- MILWAUKEE: $55
LOWEST RATE PER MONTH:
  • 54814- BAYFIELD: $27
  • 54546- MELLEN: $27
  • 54850- LA POINTE: $27
  • 54847- IRON RIVER: $27

Car insurance comparison: Milwaukee

Here's how Milwaukee’s highest average rate ($2,203) compares to others, for a full coverage policy:

  • $1,087 more than the least expensive average rate ($1,116) in the state, Kimberly ZIP 54136
  • $852 more than the state average ($1,351)
  • $403 more than the average rate for all of Milwaukee ($1,800)
  • $848 more than the national average rate ($1,355)

Average car insurance rates in Milwaukee by ZIP code

Here are the 10 most and least expensive ZIP codes for car insurance in Milwaukee. You'll see in the chart below that you can save thousands of dollars in some cases just by doing a car insurance comparison, no matter which address you call home. 

ZIP codeAverage annual rateHighest rateLowest rate
53206$2,203$4,886$1,077
53216$2,170$4,829$1,080
53205$2,065$4,886$1,077
53210$2,052$4,829$1,080
53212$2,052$4,886$1,077
53204$2,040$4,886$1,077
53203$2,036$4,886$1,077
53233$2,027$4,886$1,077
53202$1,926$4,886$764
53218$1,842$3,114$970
ZIP codeAverage annual rateHighest rateLowest rate
53226$1,409$2,613$764
53213$1,463$2,613$764
53214$1,561$3,303$764
53207$1,563$3,303$764
53227$1,577$3,303$764
53222$1,596$3,114$970
53219$1,601$3,303$764
53211$1,639$3,303$764
53224$1,642$3,114$970
53225$1,661$3,114$970

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Milwaukee car insurance requirements

Wisconsin state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$10,000
Uninsured motorist bodily injury$25,000/$50,000
Underinsured motorist bodily injuryOptional

Cheap car insurance: Milwaukee

Minimum liability coverage limits of 25/50/10 are required to drive in Wisconsin. That means your insurance company will pay up to $25,000 per person injured in an accident you cause, up to $50,000 per accident, and up to $10,000 for damage you cause to another car or other property. Buying the state required limits is definitely the cheapest way to go. But your assets and savings aren’t shielded from lawsuits and you won’t be covered for damage to your own car. Additionally, the cost to pay for damages from even a minor accident can easily exceed these limits, leaving you responsible to pay out-of-pocket for repair and medical bills.

Recommended coverage amounts

Penny Gusner, CarInsurance.com consumer analyst, recommends buying full coverage unless you have an old car or no assets. It does cost more to buy more protection, but as you’ll see below, additional coverage is typically affordable. Based on an analysis outlined below of rate fielded from six major insurers for Milwaukee ZIP codes, increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $1,199 more, or about $100 a month. But just hiking to higher liability costs just $72 yearly, or $6 a month.

Average Milwaukee rates for three coverage levels:

  • State minimum average annual rate: $601
  • Liability only; 100/50/100 average annual rate: $673
  • Full coverage of 100/300/100, with comprehensive and collision: $1,800

For more details on how comprehensive insurance, collision insurance, uninsured motorist coverage, and liability work to pay for your injuries and car repairs, as well as damage and injuries you cause to others in an accident, see our Wisconsin car insurance page or explanations of the different types of car insurance.

Who has the cheapest Milwaukee car insurance rates?

Below you'll see average annual rates for Milwaukee, ranked cheapest to most expensive, for three coverage levels:

CompanyState minimum
Geico$377
State Farm$457
Progressive$611
Allstate$639
Farmers$658
Nationwide$861
Company50/100/50
Geico$395
State Farm$542
Progressive$671
Allstate$707
Farmers$724
Nationwide$1,001
Company100/300/100
Geico$930
State Farm$1,294
Farmers$1,397
Progressive$1,662
Allstate$1,667
Nationwide$3,848

How much does insurance go up after a speeding ticket in Milwaukee?

CarInsurance.com’s rate analysis shows that drivers in Milwaukee can expect to pay, on average, up to about $320 more a year for car insurance after minor violations such as speeding. More serious infractions, such as reckless driving or drag racing can hike rates approximately by as much as $650 to $750. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

ViolationAverage rateRate after violationDollar increasePercentage increase
Operating a vehicle in a race (highway racing)$1,337$2,097$76057%
Reckless driving$1,337$1,985$64848%
DUI/DWI first offense$1,337$1,974$63748%
2 speeding tickets 11 mph or over$1,337$1,734$39730%
Speeding 30+ over limit$1,337$1,657$32024%
Speeding ticket 16-29 MPH over limit$1,337$1,657$32024%
Careless driving$1,337$1,610$27420%
Failure to stop$1,337$1,579$24318%
Failure to yield$1,337$1,579$24318%
Following too closely$1,337$1,579$24318%
Improper/illegal pass$1,337$1,575$23818%
Improper turn$1,337$1,564$22817%
Speeding ticket 1-5 MPH over limit$1,337$1,533$19715%
Speeding ticket 6-10 MPH over limit$1,337$1,533$19715%
Speeding ticket 11-15 MPH over limit$1,337$1,533$19715%
Lapse of coverage for 7 days$1,337$1,435$987%
Lapse of coverage for 15 days$1,337$1,435$987%
Lapse of coverage for 30 days$1,337$1,435$987%
Lapse of coverage for 60 days$1,337$1,435$987%
Driving without a license or permit$1,337$1,402$655%
Driving without insurance$1,337$1,402$655%
Seatbelt infraction$1,337$1,396$594%

*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

How much will an accident raise my insurance in Milwaukee?

When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Milwaukee can expect to pay for common car insurance claims.

ClaimAverage rateRate after claimDollar increasePercentage increase
1 At-fault property damage accident over $2K$1,337$1,766$42932%
2 At-fault property damage accident over $2k$1,337$2,447$1,11083%
Hit and run - injury$1,337$2,162$82662%
Hit and run property damage$1,337$2,162$82662%
1 At-fault property damage accident under $2K$1,337$1,766$42932%
At-fault bodily injury accident$1,337$1,750$41431%
1 comprehensive claim for over $2k$1,337$1,397$604%
1 comprehensive claim for under $2k$1,337$1,397$604%

Adding a teen driver to your insurance

Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Milwaukee, adding a 16-year-old daughter to your policy will hike your rates by $1,737 annually, or 130 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,312, or 173 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

Bad credit nearly doubles car insurance rates

Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Wisconsin ranks thirty ninth among the worst states for drivers with bad credit. Milwaukee drivers with bad credit can expect rates to go up by $793, or 59 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. CarInsurance.com's rate analysis shows that drivers with bad credit can save, on average, about $2,000 by comparing car insurance companies. That's why it's always prudent to compare car insurance quotes at least once a year.

SR-22 insurance

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Milwaukee, your rate will go up by an average of $774, or 58 percent.