Compare Cheap Car Insurance Quotes in Milwaukee, Wisconsin

Best cheap car insurance companies in Milwaukee

Cheapest car insurance in Milwaukee: American Family Insurance

The company, based in Madison, Wisconsin, charged $119 per month - or $1,425 per year. That's $623 less than average and $234 under than the next-cheapest option.

Erie offered the second-best rate, at $138 a month. State Farm came in third, at $155.

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Cheapest full-coverage car insurance in Milwaukee

Cheapest auto insurance in Milwaukee: Erie

Erie, American Family Insurance and Secura Insurance are your best options for minimum liability car insurance in Milwaukee. The three companies' rates were at least $13 less per month than the city average.

Erie was the cheapest, coming in at $41 per month, or $494 per year. That's a savings of $333, compared with the average for minimum coverage. American Family Insurance was second on the list, at $46 per month. Secura Insurance came in third, at $56 per month. State Farm's rate of $67 per month was the only other one below the average.

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Cheapest car insurance in Milwaukee

Cheapest car insurance for young drivers: Erie

In Milwaukee, younger drivers can save the most money with Erie. American Family Insurance's rate is only a little more expensive. Both companies offered prices that are less than two-thirds of the city's average.

are considered high risk by insurance companies and pay much more.

Erie's monthly rate of $291 was $6 cheaper than American Family Insurance's. The next-cheapest option was Secura Insurance, at $411. Young drivers paid an average of $4,052 more than 30-year-old drivers. That's almost a threefold increase.

Cheapest car insurance for young Milwaukee drivers

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Cheapest car insurance for drivers with a speeding ticket: American Family Insurance

The rate from American Family Insurance for drivers with a speeding ticket was the best in Milwaukee by $234 per year. Erie had the second-best rate in the city, followed by State Farm.

The average monthly premium for American Family Insurance was $119. Erie and State Farm came in at $138 and $170, respectively.

On average, a ticket raised Milwaukee drivers' rates 18%, or $372 per year.

Cheapest car insurance after a speeding ticket

Cheapest car insurance in Milwaukee after an accident: Erie

Erie has the lowest rates after an accident. State Farm is second cheapest, and American Family Insurance comes in third. An accident raised Erie's annual rate by $399 and State Farm's by $356.

Overall, an accident raised rates an average of $1,043 per year in Milwaukee. That's a jump of more than 50%.

Cheapest car insurance after an accident

Accidents raised rates more than 45% in Wisconsin overall. That means Milwaukee residents don't see much more of an increase than the rest of the state.

Cheapest car insurance for drivers with a DUI: State Farm

Drivers in Milwaukee pay an average of 63% more for full-coverage car insurance after a DUI. That's a rate increase of $1,304 per year. State Farm's rate after a drunk-driving conviction was the best, with an increase of only $177 per year. That's less than 10% more than their rate without a DUI.

State Farm's annual rate of $170 after a DUI came in lower than other affordable options, from Progressive, at $188, and Erie, at $205.

Cheapest car insurance after a DUI

Cheapest car insurance for drivers with poor credit: Progressive

Progressive and State Farm offer the best rates in Milwaukee for drivers with poor credit. in the city more than a speeding ticket and almost as much as an accident.

A driver with a policy from Progressive pays an average of $143 a month. State Farm comes in at $170. On average, poor credit adds $1,031 to the annual cost of insurance.

Cheapest car insurance for poor credit

Cheapest car insurance for married drivers: American Family Insurance

For married drivers, American Family Insurance edged out Progressive by $87 per year in Milwaukee. Erie's rate was $89 more expensive than American Family Insurance's.

The American Family Insurance rate of $1,425 was cheaper than the Wisconsin state average for married drivers by $386. Married drivers pay , because insurance companies see them as less risky.

Average car insurance costs in Milwaukee by neighborhood

The Milwaukee metro area is home to nearly 1.6 million people across four counties. More than half live in Milwaukee County, and more than a third live in the city itself. Across the city's 29 ZIP codes, insurance rates vary widely.

The cheapest ZIP code for car insurance in the city is 53226, which houses the zoo and is next to the suburb of Wauwatosa. The most expensive ZIP code is 53206, an area just north of downtown.

Among the five largest cities in the Milwaukee metro area, Milwaukee itself has the most expensive car insurance rates, at $129 more than in Wauwatosa. Waukesha, the largest suburb of the city and seat of the state's third-largest county, had the lowest rates, at $123 a month.

Auto theft statistics in Milwaukee

Milwaukee ranks worst among the 15 largest cities in Wisconsin in terms of car thefts. In 2018 their rate was 770.5 cars stolen per 100,000 residents.

Milwaukee had 4,589 auto thefts overall in 2018. Sheboygan and Kenosha had the lowest rates.

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Methodology

Data was collected from nine of the largest insurance companies in Wisconsin for a 30-year-old man with average credit who drives a 2015 Honda Civic EX. Rates are for a full-coverage policy, unless otherwise stated.

These quotes should be used for comparative purposes only. This analysis used insurance rate data from Quadrant Information Services that were publicly sourced from company filings.

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