Milwaukee, WI Car Insurance

How does Milwaukee compare to the surrounding area and the rest of Wisconsin? What should residents of Milwaukee expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Milwaukee?

Based on the information in the chart above, you can see that on average, it's about $21 a month more expensive to insure your vehicle in Milwaukee than it is in the rest of Wisconsin.

Compared to the rest of the country, auto insurance in Milwaukee is more affordable. You can expect to pay about $6 less for your policy in Milwaukee than in the rest of U.S.

While these numbers are the average rates for auto insurance in Milwaukee, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Milwaukee to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $69 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in Milwaukee.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. The difference in Milwaukee is about $4 a month. As you can see in the table above, male drivers in the area typically pay $77 on average, while female drivers typically pay $73 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Milwaukee, a driving record with a single accident will usually get you a rate around $91 a month. In addition, drivers with one ticket can expect to pay around $83 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Milwaukee are usually trucks and vans, which run about $65 per month.

Car owners will see a monthly premium of about $77, while SUV owners typically pay around $75 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Milwaukee, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

According to the table above, the difference in rates based on relationship status in Milwaukee can be as much as $23 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Renters can expect to pay around $13 a month more than homeowners in Milwaukee. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Milwaukee, WI

Recent trends in car insurance for Milwaukee drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The rates for car insurance in Milwaukee increased from 2019-2021, before leveling out in 2022. They finished down in 2022, at $74 a month

How does Milwaukee compare to neighboring areas?

Why are car insurance rates in Milwaukee different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

• Off-street parking accessibility
• Local crime rates
• Total number of drivers in the community
• Road Safety (frequency of car accidents)
• Community regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Milwaukee?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Milwaukee.

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Milwaukee Insurance FAQs

What factors affect car insurance quotes in Milwaukee?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Milwaukee different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Milwaukee?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Milwaukee?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Milwaukee or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.