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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:
  • 53206- MILWAUKEE: $2,203
  • 53216- MILWAUKEE: $2,170
  • 53205- MILWAUKEE: $2,065
  • 53210- MILWAUKEE: $2,052
LOWEST RATE:
  • 54136- KIMBERLY: $1,116
  • 53085- SHEBOYGAN FALLS: $1,119
  • 54952- MENASHA: $1,119
  • 54115- DE PERE: $1,121

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