The cheapest car insurance companies in Milwaukee are USAA at $65 a month, and Erie at $72 a month.
USAA and Erie provide the cheapest car insurance rates in Milwaukee. Our findings show that USAA has an average monthly rate of $65 a month for minimum-coverage car insurance, while Erie has an average rate of $72 a month. It should be pointed out that USAA only provides auto insurance to currently-serving and veteran military and certain relatives.
In this article we'll cover:
- Cheapest car insurance companies in Milwaukee
- Cheapest car insurance for Milwaukee teens
- Cheapest car insurance for Milwaukee seniors
Milwaukee's cheapest car insurance companies
USAA has the lowest average rates for auto insurance in Milwaukee straight down the line. This includes both minimum and full coverage, as well as for drivers with accidents, DUIs or speeding tickets on their records.
Cheapest minimum-coverage car insurance in Milwaukee
USAA has the most affordable rate for car insurance in Milwaukee, with an average of $65 a month. Erie has the second-cheapest rate at $72 a month. To compare, Milwaukee drivers pay an average of $157 a month for liability car insurance.
| Company | Monthly rate |
|---|---|
| USAA | $65 |
| Erie | $72 |
| American Family | $101 |
| State Farm | $137 |
| GEICO | $180 |
| Progressive | $191 |
| Allstate | $254 |
| Auto-Owners | $257 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Wisconsin state law requires drivers to meet their limits for liability car insurance coverage in order to drive legally. The current requirements are:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident
Wisconsin state law also requires drivers to carry the minimum limit for uninsured motorist coverage at $25,000 per person and $50,000 per accident.
Cheapest full-coverage car insurance in Milwaukee
USAA has the lowest rate for full-coverage car insurance in Milwaukee at $141 a month. American Family has the next-lowest average rate of $198 a month.
| Company | Monthly rate |
|---|---|
| USAA | $141 |
| American Family | $198 |
| Erie | $202 |
| State Farm | $291 |
| GEICO | $418 |
| Progressive | $440 |
| Allstate | $482 |
| Auto-Owners | $496 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Full-coverage auto insurance includes liability, collision and comprehensive coverage. The value of full-coverage car insurance comes from the fact that liability coverage alone will not cover the costs for your own damages or injuries after an accident.
Compare rates from top car insurance companies
Cheapest car insurance in Milwaukee with an accident or speeding ticket
USAA and Erie are the cheapest providers for Milwaukee drivers looking for minimum-coverage auto insurance after an accident or speeding ticket on their driving record. USAA has an average rate of $69 a month for car insurance for drivers with an accident on their record. Erie is close second at $73 a month.
| Company | Monthly rate |
|---|---|
| USAA | $69 |
| Erie | $73 |
| American Family | $125 |
| State Farm | $151 |
| GEICO | $219 |
| Progressive | $228 |
| Auto-Owners | $233 |
| Allstate | $304 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
If you're a Milwaukee driver with a speeding ticket, USAA has the most affordable rate at $58 a month for liability car insurance. Erie is the second-lowest at $64 a month.
| Company | Monthly rate |
|---|---|
| USAA | $58 |
| Erie | $64 |
| American Family | $70 |
| State Farm | $137 |
| GEICO | $154 |
| Auto-Owners | $189 |
| Progressive | $195 |
| Allstate | $248 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for Milwaukee drivers with a DUI
USAA has the cheapest car insurance rates in Milwaukee for drivers with a DUI on their records, at an average of $85 a month. Erie has the next-cheapest rate at $87 a month.
| Company | Monthly rate |
|---|---|
| USAA | $85 |
| Erie | $87 |
| State Farm | $137 |
| American Family | $139 |
| Progressive | $175 |
| GEICO | $224 |
| Allstate | $263 |
| Auto-Owners | $417 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
For Milwaukee drivers, a DUI stays on your driving record for 10 years. Penalties for a first-time DUI offense include:
- $350 to $1,100 fine
- Minimum five days in jail
- License revocation from 12 to 18 months
If your license is revoked, you will need to file an SR-22 to get it reinstated. An SR-22 is a form that proves you carry Wisconsin's minimum car insurance limits after an infraction like a DUI. Wisconsin state law requires you to carry an SR-22 for three years.
Cheapest car insurance for Milwaukee teens
USAA and Erie have the lowest average car insurance rates for teens in Milwaukee for both minimum- and full-coverage policies. USAA's average rate for minimum-coverage car insurance for Milwaukee 18-year-olds is $95 a month. Erie offers the next-most affordable rate at $105 a month.
| Company | Monthly rate |
|---|---|
| USAA | $95 |
| Erie | $105 |
| American Family | $200 |
| State Farm | $256 |
| GEICO | $321 |
| Progressive | $398 |
| Allstate | $457 |
| Auto-Owners | $558 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Milwaukee teen drivers looking for full-coverage auto insurance can find the best rate with USAA at $206 a month. Erie has the next-cheapest rate at $304 a month.
| Company | Monthly rate |
|---|---|
| USAA | $206 |
| Erie | $304 |
| American Family | $384 |
| State Farm | $545 |
| GEICO | $762 |
| Allstate | $850 |
| Progressive | $945 |
| Auto Owners | $1,062 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Teen drivers pay the highest rates for car insurance of any age demographic. Car insurance companies consider teens to be high risk due to their inexperience behind the wheel, and much more likely to be in an accident.
If possible, consider getting added to a parent's car insurance policy. This will save you a considerable amount of money on your annual car insurance premium.
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The cheapest car insurance for Milwaukee seniors
Senior drivers in Milwaukee get the best rates for minimum-coverage car insurance with USAA at $46 a month. Erie is close second with an average rate of $49.
| Company | Monthly rate |
|---|---|
| USAA | $46 |
| Erie | $49 |
| American Family | $65 |
| State Farm | $76 |
| Progressive | $96 |
| Auto-Owners | $103 |
| GEICO | $124 |
| Allstate | $139 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Milwaukee senior drivers find the most affordable full-coverage auto insurance with USAA at $97 a month. American Family has the second-cheapest rate at $127 a month
| Company | Monthly rate |
|---|---|
| USAA | $97 |
| American Family | $127 |
| Erie | $133 |
| State Farm | $157 |
| Auto Owners | $199 |
| Progressive | $211 |
| GEICO | $268 |
| Allstate | $278 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Milwaukee car insurance requirements
Wisconsin state law requires drivers to carry the following minimum liability insurance limits:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $10,000
You are also required to carry the following limits of uninsured motorist coverage:
- Uninsured motorist coverage per person: $25,000
- Uninsured motorist coverage per accident: $50,000
You should know that while these limits are required, they are not optimal. The required limits for liability car insurance can quickly be hit if your insurance company has to pay for a long hospital stay or court case. Any expenses over your coverage limits will come out of your pocket. To avoid this, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Milwaukee ZIP code to find the cheapest auto insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Full-coverage policies include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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