+120 more*These quotes are from Compare.com users in and around Milwaukee, Wisconsin within the last 10 days. Updated on May 5, 2026
*These quotes are from Compare.com users in and around Milwaukee, Wisconsin within the last 10 days. Updated on May 5, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
USAA has the cheapest car insurance rates in Milwaukee, starting at $51 per month.
Liability-only car insurance in Milwaukee averages $92 per month, while full coverage averages $187 per month.
Erie, Nationwide, and Auto-Owners are our top picks for auto coverage in Milwaukee.
How much you pay for car insurance depends on factors like your driving record, where you live, and your age. Because so many things affect your rates, you and your neighbor could have the same insurer but pay different prices.[1]
Once you understand how insurers determine premiums, it’s easier to know if you’re paying a fair price. A good way to check if you’re paying a fair price is to compare your rates with those of drivers with similar profiles.
The table below shows the cheapest car insurance companies for different types of drivers, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | USAA |
| Full coverage | USAA |
| Drivers with a speeding ticket | USAA |
| Drivers with an at-fault accident | USAA |
| Drivers with a DUI | USAA |
| Teens | USAA |
| Seniors | USAA |
| Drivers with excellent credit | USAA |
| Drivers with poor credit | USAA |
Finding the best price for the auto coverage you need can be hard. But comparing rates from multiple insurers can help you get the best deal. The companies in the table below are a great starting point.
Here are the cheapest car insurance companies in Milwaukee, according to data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $51 |
| Auto-Owners | $54 |
| State Farm | $54 |
| Certainly | $65 |
| Erie | $71 |
| GEICO | $71 |
| First Chicago | $74 |
| American Family | $77 |
| Chubb | $88 |
| Safeco | $93 |
| Direct Auto | $95 |
| GAINSCO | $95 |
| Dairyland | $103 |
| Farmers | $104 |
| Nationwide | $104 |
| The General | $104 |
| Bristol West | $111 |
| Liberty Mutual | $118 |
| National General | $122 |
| Root | $130 |
| Travelers | $134 |
| Allstate | $152 |
| State Auto | $201 |
Category | Price |
|---|---|
| $78 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $283 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.3% |
| $357 | 2.7% |
| $376 | 2.4% |
| $394 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
Liability-only coverage is the minimum amount of car insurance you need to legally drive. It pays for the other driver’s car repairs and medical bills when you cause an accident. But it doesn’t cover your own expenses.[2]
Most insurance experts recommend buying more than minimum-coverage insurance. But liability-only insurance might be a good choice if you have an older car and can afford to repair it yourself.
Minimum coverage costs an average of $92 per month in Milwaukee. The chart below shows the cheapest insurers for liability insurance in Milwaukee, according to Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $51 |
| Auto-Owners | $54 |
| State Farm | $54 |
| Certainly | $65 |
| Erie | $71 |
| GEICO | $71 |
| First Chicago | $74 |
| American Family | $77 |
| Chubb | $88 |
| Safeco | $93 |
| Direct Auto | $95 |
| GAINSCO | $95 |
| Dairyland | $103 |
| Farmers | $104 |
| Nationwide | $104 |
| The General | $104 |
| Bristol West | $111 |
| Liberty Mutual | $118 |
| National General | $122 |
| Root | $130 |
| Travelers | $134 |
| Allstate | $152 |
| State Auto | $201 |
Wisconsin requires all drivers to have car insurance. As long as you have at least a liability-only policy, you’re all set. But you can choose to add more coverage for added protection, like collision and comprehensive insurance.
According to the Wisconsin Department of Transportation, your car insurance policy must include the amounts listed below.[3]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $10,000 per accident
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
Full-coverage car insurance typically includes liability, comprehensive, and collision coverage. Full coverage helps pay for your injuries and repairs from severe weather damage, vandalism, and theft. It’s a smart choice for most drivers, especially if you’d have a hard time paying for repairs yourself.
That said, full coverage costs more than liability-only car insurance, averaging $187 per month in Milwaukee.
Below, you’ll find the cheapest insurers for full-coverage insurance in Milwaukee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $106 |
| Auto-Owners | $107 |
| Erie | $142 |
| GEICO | $144 |
| Certainly | $145 |
| American Family | $153 |
| Safeco | $160 |
| Chubb | $177 |
| Direct Auto | $188 |
| Liberty Mutual | $202 |
| Farmers | $207 |
| Nationwide | $210 |
| Root | $237 |
| First Chicago | $239 |
| Bristol West | $262 |
| Travelers | $269 |
| National General | $278 |
| The General | $289 |
| Allstate | $302 |
| Dairyland | $338 |
| GAINSCO | $351 |
| State Auto | $400 |
Teen drivers pay the highest car insurance rates of any age group. Young drivers lack experience and engage in riskier behaviors behind the wheel, according to the Centers for Disease Control and Prevention (CDC).[4] That’s why teens typically pay more for auto coverage.
The average cost of coverage for a Milwaukee teen is $253 per month. But the good news is that you can still find affordable coverage by comparing quotes.
The following insurers have the lowest rates for teen drivers in Milwaukee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $105 |
| Auto-Owners | $110 |
| Certainly | $118 |
| GEICO | $128 |
| Erie | $131 |
| First Chicago | $135 |
| American Family | $146 |
| GAINSCO | $170 |
| Dairyland | $180 |
| Chubb | $181 |
| Direct Auto | $185 |
| The General | $187 |
| Safeco | $189 |
| Bristol West | $197 |
| Nationwide | $203 |
| Liberty Mutual | $207 |
| Farmers | $208 |
| Root | $226 |
| National General | $244 |
| Travelers | $280 |
| Allstate | $301 |
| State Auto | $489 |
Rates in Milwaukee start at $32 per month.
Seniors usually pay less for car insurance than younger drivers. Older drivers typically have years of experience that translate into safer driving habits.[5] Seniors tend to drive less and avoid risks like driving at night, leading to lower rates.
The average rate for coverage for senior Milwaukee drivers is $116 per month. But you might find cheaper rates with one of the insurers in the chart below.
Here are Milwaukee’s cheapest insurers for senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $41 |
| State Farm | $42 |
| Auto-Owners | $42 |
| Erie | $53 |
| Certainly | $54 |
| GEICO | $55 |
| American Family | $60 |
| First Chicago | $62 |
| Chubb | $65 |
| Direct Auto | $76 |
| Nationwide | $78 |
| GAINSCO | $80 |
| Safeco | $80 |
| Farmers | $81 |
| Dairyland | $86 |
| The General | $87 |
| Bristol West | $91 |
| National General | $94 |
| Liberty Mutual | $96 |
| Travelers | $105 |
| Root | $107 |
| Allstate | $121 |
| State Auto | $149 |
Your car insurance costs increase once you have a violation on your driving record. Insurers raise premiums after incidents like speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions. Previous violations make you more likely to file future claims, so insurers charge more for coverage.
Your rates usually go up when your policy renews, so it’s a good time to compare quotes and look for a lower rate to keep coverage affordable.
The following insurers offer the best rates for drivers with an at-fault accident, a recent ticket, or a DUI in Milwaukee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $69 |
| Auto-Owners | $71 |
| Certainly | $82 |
| First Chicago | $93 |
| GEICO | $93 |
| Erie | $94 |
| American Family | $100 |
| Chubb | $112 |
| GAINSCO | $114 |
| Direct Auto | $120 |
| Safeco | $122 |
| Dairyland | $129 |
| Farmers | $133 |
| Nationwide | $135 |
| The General | $139 |
| Bristol West | $140 |
| Liberty Mutual | $150 |
| National General | $152 |
| Root | $174 |
| Travelers | $174 |
| Allstate | $198 |
| State Auto | $268 |
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| Auto-Owners | $71 |
| State Farm | $71 |
| Certainly | $84 |
| GEICO | $92 |
| Erie | $94 |
| First Chicago | $95 |
| American Family | $102 |
| Chubb | $116 |
| GAINSCO | $120 |
| Direct Auto | $128 |
| Safeco | $128 |
| Dairyland | $135 |
| Farmers | $137 |
| Nationwide | $139 |
| The General | $142 |
| Bristol West | $145 |
| Liberty Mutual | $155 |
| National General | $161 |
| Root | $173 |
| Travelers | $179 |
| Allstate | $202 |
| State Auto | $272 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| Auto-Owners | $73 |
| State Farm | $73 |
| Certainly | $83 |
| First Chicago | $94 |
| GEICO | $95 |
| Erie | $96 |
| American Family | $104 |
| Chubb | $119 |
| Direct Auto | $129 |
| GAINSCO | $129 |
| Safeco | $134 |
| The General | $136 |
| Dairyland | $139 |
| Farmers | $141 |
| Nationwide | $141 |
| Bristol West | $150 |
| Liberty Mutual | $160 |
| National General | $165 |
| Root | $178 |
| Travelers | $181 |
| Allstate | $206 |
| State Auto | $260 |
In Wisconsin, insurance companies may consider your credit history when determining your rates. Drivers with good credit tend to file fewer claims, so insurers often charge them less for coverage.[6]
In Milwaukee, drivers with excellent credit pay an average of $119 per month, while drivers with poor credit pay an average of $153 per month.
That said, if your credit isn’t great, you still have options. Some insurers don’t use credit to set rates, and many companies offer good prices regardless of your credit history.
Below are some of the most affordable insurance companies in Milwaukee for drivers with poor or excellent credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $42 |
| USAA | $44 |
| State Farm | $45 |
| Erie | $55 |
| Certainly | $56 |
| GEICO | $58 |
| First Chicago | $64 |
| American Family | $65 |
| Chubb | $75 |
| Safeco | $82 |
| GAINSCO | $82 |
| Direct Auto | $83 |
| Farmers | $89 |
| Dairyland | $89 |
| The General | $90 |
| Nationwide | $91 |
| Liberty Mutual | $95 |
| Bristol West | $97 |
| National General | $106 |
| Root | $115 |
| Travelers | $115 |
| Allstate | $131 |
| State Auto | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $59 |
| Certainly | $72 |
| State Farm | $74 |
| Auto-Owners | $77 |
| First Chicago | $81 |
| GEICO | $82 |
| American Family | $87 |
| Erie | $99 |
| Safeco | $108 |
| Direct Auto | $110 |
| GAINSCO | $110 |
| Dairyland | $119 |
| Farmers | $121 |
| Nationwide | $121 |
| The General | $121 |
| Bristol West | $129 |
| Liberty Mutual | $133 |
| Chubb | $134 |
| National General | $141 |
| Root | $151 |
| Travelers | $155 |
| Allstate | $176 |
| State Auto | $234 |
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Whatever you currently pay for car insurance, you always have ways to save. Here are some simple tips to help lower your rate:
Consider pay-per-mile coverage. Many companies offer pay-per-mile insurance that rewards you for driving less. If you drive fewer than 10,000 miles a year, a pay-per-mile policy could help you save money.7
Bundle your policies. You often can get a discount if you insure your home and car with the same company.
Ask about telematics programs. If you’re a safe driver, signing up for a telematics program can save you money. Your insurer tracks your driving habits with an app or plug-in device and rewards you for safe driving.
Quote comparison: Check prices every six months from at least three insurers to make sure you’re getting the best price for your coverage.
There isn’t a single “best” insurance company for everyone. Every drive has different coverage needs and preferences. But a few insurers stand out from the rest.
We found some of Milwaukee’s best car insurance companies based on a combination of average rates, available discounts, customer ratings and reviews, and coverages offered. Check them out below.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Erie has the highest customer satisfaction in the North Central region, according to the J.D. Power 2025 U.S. Auto Insurance Study. Erie’s policies include coverages that many other insurers charge extra for, like glass repair and pet protection. Erie’s Rate Lock feature can also help keep your price steady each year, which is helpful as car insurance costs continue to go up.
That said, Erie isn’t the cheapest car insurance option. It also doesn’t offer pay-per-mile insurance or many discounts, so it may not be the best choice if you’re looking to save money.
High customer and claims satisfaction ratings
Wide variety of coverage options
You can avoid premium increases with Rate Lock
Few discounts available
More expensive than some insurers
Pay-per-mile coverage not available
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $210/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Nationwide stands out with its SmartMiles telematics program, which can save you up to 10% on your premium for safe driving. The company also offers hard-to-find coverage options, like gap insurance and accident forgiveness.
But Nationwide may not be ideal if you want in-person help, since there are only a few local agents in Milwaukee. The company also tends to have higher rates than other insurers.
Highly rated telematics programs
Repair guarantee available
Offers gap insurance and accident forgiveness
Doesn’t offer as many discounts as some competitors
More expensive than other insurers
Few agents in Milwaukee
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners offers more coverage options than most insurers. You can get gap insurance, rental car reimbursement, and diminished value coverage. The company has affordable prices and an above-average claims satisfaction rating.
But if you want online convenience, Auto-Owners may not be the best choice. You can’t get a quote online and need to contact a local agent for pricing.
Various coverage options available
Above-average claims satisfaction rating
Affordable rates
Online quotes not available
Few discounts available
Usage-based coverage not available
We answered some of the most common questions about car insurance in Milwaukee. Check them out below.
Car insurance in Milwaukee costs an average of $139 per month, according to Compare.com data. Liability-only coverage costs an average of $92 per month, while full coverage averages $187.
USAA is the cheapest auto insurance company in Milwaukee, according to Compare.com data. Its rates start at just $51 per month.
It depends. Erie, Nationwide, and Auto-Owners are Compare.com’s top picks for car insurance in Milwaukee. But the right company for you depends on your budget and coverage needs. Compare quotes from at least three companies to find the best insurer for you.
It depends. Car insurance in Milwaukee costs an average of $139 per month, according to Compare.com data. The average cost in Wisconsin overall is $88 per month, while the nationwide average is $140 per month. How much you pay for car insurance depends on several factors, like your age and driving record.
It depends. Minimum coverage meets Wisconsin’s legal requirements in Milwaukee. But experts usually recommend buying extra coverage. For example, minimum coverage won’t pay for repairs if you hit a wild animal, object, or stationary vehicle. But a full-coverage policy, which includes comprehensive and collision coverage, would cover those costs.
Minimum-coverage car insurance pays only for the other driver’s medical bills and car repairs if you cause an accident. Wisconsin requires drivers to have 25/50/10 coverage, but you can buy more. You can also opt for a full-coverage policy, which helps pay for your own repairs.
Many factors affect car insurance rates in Milwaukee. Personal details like your driving record, age, ZIP code, and the type of car you drive all affect how much you pay for car insurance.
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.
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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.