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.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 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. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
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.
Average annual rate
Average annual rate
*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
Minimum property damage liability
Uninsured motorist bodily injury
Underinsured motorist bodily injury
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