Waukesha, WI Car Insurance

On average, Waukesha drivers pay a monthly average rate of around $51 for their car insurance. Read our guide below to learn more about your specific rates.
What should residents of Waukesha expect to pay for their car insurance? How does Waukesha compare to the surrounding area and the rest of Wisconsin? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Waukesha?

Area Average Monthly Car Insurance Premium
Waukesha$51
WI$54
United States$81

According to the chart above, the rates you'll pay for coverage in Waukesha are about the same as what you would pay anywhere else in Wisconsin.

Likewise, car insurance rates in Waukesha are often favorable when viewed against the rest of the country. The average monthly payment in Waukesha is about $30 less than the rate for the rest of the United States.

While these are the average car insurance rates for Waukesha, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rates for Waukesha residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$84
25-34$44
35-44$44
45-54Not Enough Data
55-64$40
65+$39

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $45 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may creep back up a bit in Waukesha.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$52

Male drivers pay, on average. slightly more than female drivers for auto insurance. While this isn't true in Waukesha, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$110
1 Ticket$63
Multiple Tickets$70

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Waukesha, a driving record with one accident will usually get you a rate around $72 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$59
4-5 Years$44
6-7 Years$51
8-10 Years$53
11-14 Years$50
15 Years or Older$52

As you can see in the first table above, the cheapest vehicles to insure in Waukesha are typically trucks and vans, which run about $41 per month.

Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $49 a month to insure.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Waukesha are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$39
Divorced$50
Widowed$34

Generally, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Waukesha, with married couples paying about $15 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$49
Live with parents$70

Another factor taken into consideration is your living situation. In Waukesha, homeowners can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Waukesha, WI

Recent trends in car insurance for Waukesha drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Waukesha, the rates for car insurance increased from 2017-2019, before steadying out in 2020. Policy premiums finished down in 2022, at $52 per month

How does Waukesha compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Crime rates
  • Area laws
  • Total number of drivers in the community
  • Off-street parking accessibility
  • Frequency of car accidents

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Waukesha?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Waukesha.

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Waukesha Insurance FAQs

What factors affect car insurance quotes in Waukesha?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Waukesha?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Waukesha or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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