Best Auto Insurance Rates in Milwaukee, Wisconsin

On average, your neighbors pay $55 a month.

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Monday, November 12 2018 By QuoteWizard

Milwaukee is sometimes referred to as Beer City, because four of America’s favorite beers started there. The love for beer shines through the historic Pabst Theater, the Milwaukee Brewers, who play at Miller Park, and Summerfest, the world’s largest music festival. Whether you prefer PBR or MGD, QuoteWizard can help you get cheap car insurance rates.

Average Milwaukee Car Insurance Rates

How much is car insurance in Milwaukee, WI? The vehicle theft rate here is more than three times the national average. Despite this, Milwaukee drivers are so safe, with so few accidents, that car insurance rates are much lower than the national average. The average cost of auto insurance in Wisconsin is $664.81. The national average price is $889.01.

Prices may vary depending on your zip code, limits, and coverage.

Wisconsin Average Annual Car Insurance Rates
Coverage Rates
Liability $374.37
Collision $226.00
Comprehensive $136.81
Total Cost Per Year $664.81
Price Per Month $55.40
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Wisconsin insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $600 in 2011 to $664 in 2015, a jump of $64, or 10.76 percent.

Wisconsin average car insurance rates

QuoteWizard helps consumers compare rates from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Milwaukee, Wisconsin and save up to 40% on your premium.

Last year, 13,707 Milwaukee residents used QuoteWizard to compare auto insurance quotes in Milwaukee, WI from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Milwaukee, WI

These were the most common car insurance companies reported by QuoteWizard users living in Milwaukee, Wisconsin last year.

  1. Progressive
  2. GEICO
  3. Allstate
  4. Farmers
  5. Esurance
  6. AIG
  7. American Family
  8. Liberty Mutual
  9. AAA
  10. Nationwide

Other popular Milwaukee car insurance companies: MetLife, Erie, Country Financial, USAA, 21st Century, Safeco, Travelers, Hartford, and Wisconsin Farm Bureau.

Top 10 Vehicles

These are the most common car makes and models owned by Milwaukee, WI drivers requesting quotes through QuoteWizard last year.

  1. Chevrolet Impala LS/LT
  2. Chevrolet Malibu LS
  3. Chevrolet Blazer
  4. Honda Accord EX/LX
  5. Chevrolet Cavalier
  6. Toyota Camry LE/XLE/SE
  7. Dodge Caravan
  8. Buick LeSabre Custom
  9. Ford Taurus SE
  10. Cadillac DeVille

Minimum Car Insurance Requirements in Milwaukee, WI

Milwaukee, Wisconsin has a minimum coverage requirement known as the 25/50/20 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Milwaukee Drivers

A recent report published by Allstate Insurance that rated US drivers by accident frequency, ranked Milwaukee 42nd out of 200 cities. While most US drivers go ten years between accidents, drivers here are involved in car accidents every ten years, too.

Driving Conditions

Several factors that can affect insurance rates are the weather and road conditions.

Weather

Thanks to Milwaukee's proximity to the Great Lakes, weather here can be very interesting. Summers are hot and humid. Winter are cold with lots of snow. In fact, it snows more in Milwaukee each year than it rains with an average of 35.3 snowy days annually.

Road Conditions

Milwaukee road conditions have long been a major headache for residents. According to a recent study by TRIP, Milwaukee is ranked eighth for both percentage of roads in poor condition and what the condition of these roads cost drivers here annually. TRIP reports that an astonishing 26% of the major roads in Milwaukee are in poor condition and another 20% are mediocre. These poorly maintained, pothole-filled streets are costs drivers $861 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Milwaukee ranks 60th for the worst traffic congestion in the US. An average commuter spends an additional 16 minutes per hour stuck in traffic during rush hour commutes and an additional 63 hours per year.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record and higher rates. If this happens, you'll need to get affordable high-risk auto insurance for bad drivers.

Traffic Tickets

It's not easy, but fighting traffic tickets may be well worth your while. Even if you can't get the ticket dismissed, you may be able to have the charges lowered. If nothing else, fight the number of points assessed to your driver's license because of a moving violation. These points are what insurers look at when determining your insurance rates. If you want to keep your insurance rates low, you want to keep these points off your driver's license.

The City of Milwaukee Municipal Court website allows you to plead guilty and pay your citation, plead not guilty and request a hearing, and find other valuable traffic court information.

SR-22 OWI Insurance

An OWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Milwaukee OWI insurance.

Car Accident Fatalities

Milwaukee experienced 31 motor vehicle crash deaths in 2013. With Milwaukee’s estimated population of 595,047, this works out to a fatality rate of 5.17 per 100,000 residents. Milwaukee is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Milwaukee reported 7,418 vehicle thefts in 2016. This is a rate of 12.36 per 1,000. If this seems high that's because it's more than five times the national average of 2.20 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Milwaukee, WI

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 20%
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Get married. Some insurers offer a discount to married drivers
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Study hard and maintain at least a B grade point average in school to qualify for the good student discount

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