The most affordable car insurance options in Milwaukee include AAA for minimum coverage, American Family for full coverage and USAA for military-affiliated drivers. Rates can vary significantly depending on your driving history and the coverage you choose. Below is a breakdown that highlights the most affordable companies across common categories, allowing you to see which is best for your specific needs.
Cheapest Car Insurance in Milwaukee, WI
Updated: December 22, 2024
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Key Takeaways
The five overall cheapest car insurance companies in Milwaukee are AAA, American Family, Acuity, GEICO and Travelers.
The lowest average monthly car insurance rates in Milwaukee are $31 for minimum coverage and $53 for full coverage.
The average monthly cost of car insurance in Milwaukee is $58 for minimum coverage and $132 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Wisconsin Office of the Commissioner of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Milwaukee
| AAA | Minimum Coverage | $31 |
| American Family | Full Coverage | $53 |
| Nationwide | Teens | $152 |
| GEICO | Young Adults | $39 |
| Acuity | Senior Drivers | $37 |
| American Family | Drivers With Bad Credit | $37 |
| American Family | Drivers With a Speeding Ticket | $45 |
| American Family | Drivers With a DUI | $45 |
| American Family | Drivers With an Accident | $37 |
| USAA | Military Affiliated Drivers | $22 |
Cheapest Car Insurance Coverage in Milwaukee
Finding the cheapest car insurance in Milwaukee requires comparing rates from various providers. Key cost factors include age, driving history, vehicle type and coverage needs. Remember, the cheapest car insurance company in Wisconsin might not have the lowest rates in Milwaukee. Comparing car insurance quotes is the best way to find affordable coverage that meets your needs.
Cheapest Minimum Coverage Car Insurance in Milwaukee
AAA offers the cheapest minimum coverage car insurance in Milwaukee at $31 per month, followed by American Family at $33 per month. Check the table below for more providers offering great rates on minimum coverage.
| AAA | $31 | $27 |
| American Family | $33 | $25 |
| Acuity | $35 | $23 |
| GEICO | $35 | $23 |
| Travelers | $41 | $17 |
| Erie | $46 | $12 |
| Progressive | $48 | $10 |
| Auto-Owners Insurance Co | $49 | $10 |
| Chubb | $49 | $9 |
| Western National | $50 | $9 |
| West Bend Mutual | $53 | $5 |
| IMT Insurance Company | $53 | $5 |
Cheapest Full Coverage Car Insurance in Milwaukee
American Family offers the cheapest full coverage car insurance in Milwaukee at $633 per year. Check the table below to find more providers offering great rates for full coverage.
| American Family | $53 | $80 |
| AAA | $61 | $71 |
| Travelers | $77 | $56 |
| Acuity | $87 | $46 |
| GEICO | $92 | $40 |
| IMT Insurance Company | $99 | $33 |
| Auto-Owners Insurance Co | $102 | $30 |
| Chubb | $103 | $29 |
| West Bend Mutual | $107 | $25 |
| Erie | $109 | $23 |
| Nationwide | $121 | $11 |
Cheapest Car Insurance in Milwaukee by Age
In Milwaukee, car insurance rates vary with age. Young drivers often pay more due to less experience. Over time, these premiums decrease but may rise after 70. Explore the most affordable insurance companies for teens, young adults and seniors in the table below.
Cheapest Car Insurance in Milwaukee for Teens
If you're in Milwaukee, Auto-Owners, Nationwide and State Farm offer the cheapest car insurance for teens. Check the table below to see the lowest rates for this age group in the city.
| Nationwide | $152 | $113 | $343 | $161 |
| Travelers | $190 | $75 | $376 | $128 |
| State Farm | $213 | $52 | $270 | $234 |
| Auto-Owners Insurance Co | $213 | $51 | $252 | $252 |
Cheapest Car Insurance in Milwaukee for Young Adults
Car insurance for young adults in Milwaukee is most affordable with GEICO, at a yearly rate of $472. This is 48% cheaper than the city average. American Family, Travelers and Acuity also offer competitive rates.
| GEICO | $39 | $37 |
| American Family | $40 | $37 |
| Travelers | $47 | $29 |
| Acuity | $48 | $28 |
| AAA | $50 | $26 |
| Progressive | $58 | $18 |
| Auto-Owners Insurance Co | $62 | $15 |
| Erie | $63 | $14 |
| State Farm | $72 | $5 |
| Farmers | $73 | $3 |
| Chubb | $75 | $2 |
Cheapest Car Insurance in Milwaukee for Seniors
Acuity provides the cheapest car insurance for seniors in Milwaukee, with an annual rate of $445. Check the table below to explore affordable rates from other providers.
| Acuity | $37 | $24 |
| American Family | $38 | $23 |
| AAA | $40 | $21 |
| GEICO | $40 | $20 |
| Travelers | $44 | $16 |
| Progressive | $46 | $15 |
| Chubb | $48 | $13 |
| Western National | $50 | $11 |
| Erie | $50 | $11 |
| Auto-Owners Insurance Co | $50 | $10 |
| IMT Insurance Company | $51 | $10 |
| State Farm | $57 | $4 |
Cheapest Car Insurance in Milwaukee for Drivers With Bad Credit
Having a poor credit-based insurance score may lead to higher premiums than a driver with a good score would pay. American Family offers cheap car insurance for drivers with bad credit in Milwaukee at a rate of $448 per year, while Acuity offers average rates of $471 per year. Check the table below for more options from other providers.
| American Family | $37 | $56 |
| Acuity | $39 | $54 |
| AAA | $42 | $51 |
| Erie | $50 | $43 |
| Western National | $52 | $41 |
| GEICO | $54 | $39 |
| Chubb | $55 | $38 |
| IMT Insurance Company | $60 | $33 |
| West Bend Mutual | $62 | $31 |
| Travelers | $69 | $25 |
| Progressive | $79 | $14 |
| Nationwide | $86 | $7 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts and bundling different insurance policies. Compare personalized quotes from various companies to find affordable rates. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Milwaukee After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role in this. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Milwaukee After a DUI
Finding affordable car insurance is possible for Milwaukee drivers with a DUI. The cheapest option for minimum coverage is with American Family, costing $534 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI in the city.
| American Family | $45 | $51 |
| Western National | $52 | $43 |
| Chubb | $55 | $40 |
| Progressive | $57 | $38 |
| State Farm | $66 | $29 |
| Travelers | $67 | $28 |
| Erie | $76 | $19 |
| Farmers | $88 | $7 |
| Acuity | $94 | $1 |
Cheapest Car Insurance in Milwaukee After an Accident
American Family offers the most affordable minimum coverage car insurance for drivers with an at-fault accident in Milwaukee, at an annual rate of $448. Check the table below to explore options from other providers and find the most affordable rates.
| American Family | $37 | $54 |
| Western National | $52 | $39 |
| Chubb | $55 | $36 |
| Auto-Owners Insurance Co | $59 | $32 |
| Travelers | $60 | $32 |
| AAA | $62 | $29 |
| GEICO | $62 | $29 |
| Erie | $63 | $28 |
| State Farm | $72 | $19 |
| Acuity | $78 | $13 |
| West Bend Mutual | $88 | $4 |
| IMT Insurance Company | $89 | $2 |
Cheapest Car Insurance in Milwaukee After a Ticket
American Family offers the most affordable car insurance for drivers with a speeding record in Milwaukee, with an annual rate of $534. GEICO follows closely with a rate of $541. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Chubb | $55 | $23 |
| Auto-Owners Insurance Co | $55 | $23 |
| American Family | $45 | $34 |
| GEICO | $45 | $33 |
| AAA | $49 | $29 |
| Travelers | $57 | $21 |
| Erie | $50 | $28 |
| Western National | $52 | $26 |
| Acuity | $60 | $19 |
| State Farm | $66 | $13 |
| Progressive | $68 | $10 |
| IMT Insurance Company | $71 | $8 |
| Farmers | $77 | $1 |
Cheapest Car Insurance in Milwaukee for Military Drivers
Military drivers in Milwaukee, including active-duty members, veterans, and their families, can often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers offer great deals. USAA provides minimum coverage at $269 per year, while AAA offers it at $371.
| USAA | $22 | $34 |
| AAA | $31 | $25 |
| American Family | $33 | $23 |
| Acuity | $35 | $22 |
| GEICO | $35 | $21 |
| Travelers | $41 | $15 |
| Erie | $46 | $10 |
| Progressive | $48 | $8 |
| Auto-Owners Insurance Co | $49 | $8 |
| Chubb | $49 | $7 |
| Western National | $50 | $7 |
| West Bend Mutual | $53 | $4 |
| IMT Insurance Company | $53 | $3 |
How Much Does Car Insurance Cost in Milwaukee?
In Milwaukee, the average yearly cost for full coverage car insurance is $1587. State minimum coverage is less, averaging about $699 per year. Keep in mind, these are averages for a 40-year-old driver with good credit and a clean driving record; your rate may differ.
Milwaukee Auto Insurance Cost by Driver Profile
See how your auto insurance rate stacks up. Our table below shows average costs for various driver profiles to help you find an affordable plan.
| Teen Drivers | No Data | $504 |
| Young Adults | $76 | $177 |
| Senior Drivers | $61 | $132 |
| Drivers With Bad Credit | $93 | $216 |
| Drivers With a Speeding Ticket | $78 | $177 |
| Drivers With a DUI | $95 | $209 |
| Drivers With an Accident | $91 | $206 |
| Military Affiliated Drivers | $56 | $128 |
How Expensive Is Car Insurance Milwaukee?
In Milwaukee, minimum coverage car insurance is 54% more than the state average at $58 monthly. Full coverage is 43% higher, costing $132 monthly. Both types of plans show a notable increase in the city compared to Wisconsin's averages.
| Milwaukee Avg Rate | $58 | $132 |
| Wisconsin Avg Rate | $38 | $92 |
| vs Wisconsin Avg Rate | $-20 | $-40 |
Car Insurance Requirements in Milwaukee
In Wisconsin, drivers are legally required to have car insurance that meets the state's minimum coverage limits. These limits include coverage for bodily injury and property damage that could occur in an accident.
Here are the minimum coverage amounts mandated by Wisconsin law:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident.
An auto insurance policy provides financial protection against costs from an accident. Liability coverage specifically helps pay for damages or injuries that the policyholder is responsible for in an at-fault accident.
For example, if you're at fault in an accident and the other driver is injured, your bodily injury liability coverage would pay up to $25,000 for their medical expenses. However, if the costs exceed this limit, you would be responsible for the remaining amount.
Drivers in Milwaukee who need SR-22 insurance must maintain at least the minimum liability coverage mentioned above to legally drive.
Cheapest Car Insurance in Milwaukee: Bottom Line
The cheapest car insurance in Milwaukee varies. It depends on things like your age, driving record, and what kind of car you drive. AAA and American Family often have the lowest rates for minimum and full coverage. Remember, it's smart to compare quotes from different companies to make sure you're saving the most money.
Cheap Milwaukee Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Milwaukee. We answer your questions about the best coverage for your needs, focusing on minimum coverage options.
What is the cheapest car insurance company in Milwaukee, Wisconsin?
The cheapest car insurance company for full coverage in Milwaukee, Wisconsin, is typically American Family, with average rates of $53 per month. AAA is most affordable for minimum coverage at $31 monthly. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Milwaukee, Wisconsin?
The average cost of car insurance in Milwaukee, Wisconsin, is around $1,587. per year for full coverage, while minimum coverage averages approximately $699 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Milwaukee, Wisconsin, expensive?
Yes, car insurance in Milwaukee, Wisconsin, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Milwaukee, WI
To help Milwaukee drivers find the most affordable auto insurance companies, MoneyGeek analyzed Milwaukee auto insurance rates based on data and information from the Wisconsin Office of the Commissioner of Insurance and Quadrant Information Services.
Milwaukee Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Milwaukee with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Milwaukee
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Wisconsin are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.