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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Milwaukee drivers pay an average of $146 per month for auto insurance, our data shows. Yet, due to the city’s large population of more than 560,000 people,[1] Milwaukee drivers may pay higher insurance costs than the rest of the state.
Still, some insurance companies offer competitive coverage options with rates that may fall below the statewide average. For example, the three cheapest car insurance companies in the city are USAA, State Farm, and Auto-Owners, according to our research.
The guide below covers which car insurance companies offer the lowest insurance costs and the best coverage options for different driver types in Milwaukee. You’ll also discover how much coverage you need and tips for how to save money on your monthly car insurance premiums.
USAA is the cheapest auto insurance company in Milwaukee, with an average monthly rate of $35.
Milwaukee drivers pay an average of $105 per month for liability car insurance and $188 for full coverage.
Wisconsin law requires Milwaukee drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $10,000 in property damage liability.[2]
Regardless of average rates, Milwaukee drivers can still find multiple ways to save on their car insurance coverage. One of the most effective ways to save on insurance premiums is to shop around and compare quotes from multiple auto insurance companies.
To get you started, the table below highlights Milwaukee’s cheapest car insurance companies and their average coverage rates, based on our data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $35 |
| State Farm | $36 |
| Auto-Owners | $36 |
| Erie | $48 |
| GEICO | $48 |
| American Family | $52 |
| Mile Auto | $53 |
| Chubb | $59 |
| Farmers | $69 |
| Nationwide | $71 |
| Clearcover | $72 |
| Progressive | $82 |
| Travelers | $90 |
| Direct Auto | $95 |
| Dairyland | $98 |
| Safeco | $100 |
| Allstate | $101 |
| GAINSCO | $104 |
| Bristol West | $104 |
| Root | $106 |
| The General | $132 |
| State Auto | $134 |
| National General | $150 |
| Liberty Mutual | $175 |
| Foremost | $179 |
USAA offers the cheapest rates in Milwaukee for liability car insurance, at an average cost of just $35 per month — considerably lower than the citywide average.
But that doesn’t mean USAA will necessarily be the best option for you. Read on to discover which car insurance companies provide the best coverage options and rates for different types of Milwaukee drivers.
There’s no such thing as one-size-fits-all coverage when it comes to car insurance. While the companies above typically offer the cheapest coverage options in the city, the most affordable car insurance solution for you might be different.
At the end of the day, your insurance quotes can vary based on driving history, age, credit score, and other factors. So, it’s always wise to compare multiple quotes before you choose the best auto insurance company for your personal needs.
The table below breaks down the cheapest car insurance companies in Milwaukee for a variety of different driver and coverage options to make the comparison shopping process easier.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $35 |
| Full coverage | USAA | $66 |
| Teens | USAA | $62 |
| Seniors | USAA | $26 |
| Drivers with a speeding ticket | USAA | $47 |
| Drivers with an at-fault accident | USAA | $48 |
| Drivers with a DUI | USAA | $57 |
| Drivers with excellent credit | Auto-Owners | $31 |
| Drivers with poor credit | USAA | $42 |
The average rate for bare-bones minimum coverage in Milwaukee is $105, according to our data. But most experts recommend purchasing more coverage than the state requires.[3] That’s because having just the minimum coverage could leave you financially vulnerable if you cause an accident that exceeds these limits.
But if you truly need basic, no-frills coverage, the chart below features the five cheapest companies for Milwaukee drivers, according to our research.
Most drivers should consider full-coverage auto insurance because it offers the most protection. In addition to liability insurance, full-coverage policies typically include protection for your vehicle in the form of comprehensive and collision coverage. And if you’re financing or leasing a vehicle, your lender likely requires full coverage.[4]
The average rate for full-coverage car insurance in Milwaukee is $188, according to our data. But even though the premiums for full coverage may be higher, several car insurance companies may offer this type of insurance coverage for close to the average liability price in Milwaukee.
The chart below breaks down the five cheapest insurers in Milwaukee for full-coverage car insurance, according to Compare.com data.
Teen drivers typically face the highest car insurance premiums of any age group, largely due to their inexperience and risk behind the wheel. The average car insurance rate for teens in Milwaukee is $265. Still, it may be possible to find a good deal even as a young driver if you shop around and compare your options.
To get you started, check out the five cheapest insurance companies for Milwaukee teens featured in the chart below.
In general, seniors pay the cheapest insurance costs of any age group. Older drivers often have more driving experience, and that typically leads to lower car insurance premiums.
The average rate for seniors in Milwaukee is $103, according to Compare.com data. But Milwaukee seniors may still find better deals by checking out the companies in the chart below.
Getting a speeding ticket in Wisconsin could result in a fine of more than $800 and, in severe cases, a driver’s license suspension.[5] You can also expect to see your car insurance rates jump. In fact, our research shows that even a single speeding ticket causes average rates to increase by 29% nationwide.
The average car insurance rate for people with a recent ticket in Milwaukee is $213 per month, according to Compare.com data. But it’s important to shop around because several insurers offer lower rates, including those in the chart below.
When you cause a car accident, you’ll likely see a significant jump in your insurance rates the next time your policy renews. Our data backs that up: A single at-fault accident causes average rates to increase by 33% nationwide.
We found that the average rate for Milwaukee drivers with a recent accident is $212 per month. But you might find more competitive premiums with one of the five insurers highlighted in the chart below.
It’s no surprise that a DUI conviction causes car insurance rates to rise more than any other type of incident. Nationwide, insurance premiums increase by an average of 58% after a DUI conviction, according to Compare.com data.
People in Milwaukee with a DUI conviction pay an average monthly rate of $241. But don’t worry. Drivers with DUI convictions aren’t necessarily stuck with sky-high rates. You just have to find the right company.
The table below shows the five cheapest insurers in Milwaukee for people with DUIs, according to Compare.com data.
Some Wisconsin insurance companies look at your credit history when calculating insurance premiums. These companies typically use a credit-based insurance score to determine how likely you are to file a claim in the future. The worse your credit is, the more you can expect to pay for car insurance.[6] For example, drivers with poor credit pay 38% more on average than people with excellent credit scores, according to our data.
In Milwaukee, the average rate for drivers with poor credit is $179 per month. But if you’re worried about paying more for insurance due to poor credit, it may reassure you to know that not all insurers look at it. And other insurance companies may continue to offer affordable rates, regardless of credit history.
Check out the chart below to find the five cheapest insurers for Milwaukee drivers with poor credit, according to Compare.com data.
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Wisconsin requires all drivers to have car insurance. Drivers in Milwaukee (and every other city or town in the state) must meet the following minimum car insurance requirements to legally drive.
Property damage liability: $10,000
Bodily injury liability per person: $25,000
Bodily injury liability per accident: $50,000
Most experts recommend buying more car insurance coverage than the state’s minimum limits. Otherwise, you could find yourself underinsured and financially vulnerable after an accident, leaving you responsible for the costs of any repairs, replacements, medical bills, and more.
At the very least, you shouldn’t get behind the wheel without at least meeting the state’s minimum coverage limits. Driving in Wisconsin without proof of insurance could trigger a fine of up to $500. And if you offer fraudulent proof of insurance, you could receive a much larger fine, potentially as high as $5,000.
Below are some answers to commonly asked questions about auto insurance in Milwaukee.
The average cost of car insurance in Milwaukee is $146, according to Compare.com data. Drivers in Milwaukee also pay an average rate of $105 for liability coverage and $188 for full coverage.
USAA is the cheapest auto insurance company in Milwaukee, with an average monthly rate of $35, according to our data.
Car insurance premiums in Milwaukee can vary depending on factors like your address, driving history, vehicle, age, and more. For context, Milwaukee drivers pay an average insurance rate of $146 per month compared to a nationwide average of $150.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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