Compare Cheap Car Insurance Quotes in Milwaukee, Wisconsin
American Family Insurance has the cheapest full coverage car insurance in Milwaukee. It charges an average of $127 per month for full coverage and $47 for is from Erie.
Find Cheap Auto Insurance Quotes in Milwaukee
Best cheap car insurance companies in Milwaukee
How we chose the top companies
Cheapest car insurance in Milwaukee: American Family Insurance
American Family Insurance has the cheapest car insurance in Milwaukee.
The company, based in Madison, Wisconsin, charged $127 per month. That's about a third less than the city average of $180 per month.
Acuity and Erie also have competitive rates at around $150 per month. Erie is especially worth a look, as it's one of the best-rated insurance companies in the country.
Find Cheap Auto Insurance Quotes in Milwaukee
Cheapest full coverage car insurance in Milwaukee
Company | Monthly rate |
|---|---|
| American Family | $47 |
| Progressive | $55 |
| Erie | $56 |
| State Farm | $64 |
| Geico | $73 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in Milwaukee: American Family
American Family has the cheapest minimum-liablity car insurance in Milwaukee, with an average price of $47 per month.
Progressive and Erie both also have competitive rates, at around $55 per month. That's well below the citywide average of $72 per month.
Find Cheap Auto Insurance Quotes in Milwaukee
Cheapest car insurance in Milwaukee
Company | Monthly rate |
|---|---|
| American Family | $47 |
| Progressive | $55 |
| Erie | $56 |
| State Farm | $64 |
| Geico | $73 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Erie and American Family
Erie has the best minimum coverage rates for younger drivers in Milwaukee, while American Family has the best full coverage prices.
Erie's monthly rate of $123 is less than half the citywide average of $267 for a liability-only policy.
Full coverage from American Family is $314 per month, which is also about half the average price across Milwaukee. The next-cheapest option was Secura Insurance, at $411. Young drivers paid an average of $4,052 more than 30-year-old drivers. That's almost a threefold increase.
are considered high risk by insurance companies and pay much more than older drivers. As an 18-year-old, you'll pay more than three times as much as a 30-year-old would for the same coverage.
Cheapest car insurance for young Milwaukee drivers
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $123 | $347 |
| American Family | $130 | $314 |
| Progressive | $161 | $840 |
| Geico | $203 | $558 |
| State Farm | $213 | $505 |
*USAA is only available to current and former military members and their families.
Ways for 18-year-olds to save on car insurance:
- Join a parent's car insurance policy: This is cheaper than an individual policy, but it will likely raise the price of the parent's policy.
- Look for discounts: Check your options and speak to your company to see if you qualify for discounts for good grades, no accidents or safe driving.
Cheapest car insurance for drivers with a speeding ticket: American Family
At American Family, you'll pay about $152 per month for car insurance after you get a speeding ticket. That's 35% below the city average of $232 per month.
Erie also has affordable rates after a speeding ticket, at $167 per month.
Car insurance companies usually raise your rates after a speeding ticket, but not every company will do so by the same amount. State Farm and Erie raise rates in Milwaukee by about 10%, but Progressive customers may see a rate hike of more than 50% after one ticket.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| American Family | $152 |
| Erie | $167 |
| State Farm | $177 |
| Acuity | $213 |
| Geico | $292 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Milwaukee after an accident: State Farm
State Farm has the lowest rates in Milwaukee after an accident, at $191 per month.
That makes it 36% cheaper than the city average of $300, and $19 cheaper than Erie, the second-cheapest option.
Overall, an accident raised rates an average 67% in Milwaukee.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $191 |
| Erie | $210 |
| American Family | $211 |
| Acuity | $279 |
| Progressive | $343 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers after a ticket or accident: Erie
Erie has the best car insurance rates for teens after they've gotten a ticket or been responsible for a crash.
After a ticket, Erie charges teens $143 per month for minimum liability, which is less than half the city average of $322 per month. American Family is a distant second, at $180 per month.
After an at-fault accident , Erie's typical rate was $153 per month. That's about 60% cheaper than the city average of $363 per month.
Company | Ticket | Accident |
|---|---|---|
| Erie | $143 | $153 |
| American Family | $180 | $227 |
| State Farm | $236 | $259 |
| Geico | $264 | $358 |
| Progressive | $316 | $326 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: American Family
At $231 per month, American Family has the best rates in Milwaukee for car insurance after a DUI.
Drivers may also find relatively affordable rates at Erie, where the typical price is $253 per month. But Erie is sometimes selective about which drivers it offers insurance to, so you aren't guaranteed a quote.
Drinking and driving is one of the most serious driving infractions, and the insurance rate increases you'll face are similarly steep. The average rate for car insurance in Milwaukee after a DUI is $303 per month, or about 70% higher than for a driver with a clean record.
Cheapest car insurance after a DUI
Company | Monthly rate |
|---|---|
| American Family | $231 |
| Erie | $253 |
| Progressive | $275 |
| State Farm | $308 |
| Acuity | $324 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm offers the best rates in Milwaukee for drivers with poor credit. You can expect to pay about $171 per month at State Farm if you have a "poor" credit score. That's 42% less than the city average of $293 per month.
Your credit score isn't based on your driving ability, but insurance companies have found that people with low credit scores make insurance claims more often. As a result, they than people with high credit scores.
Cheapest car insurance for poor credit
Company | Monthly rate |
|---|---|
| State Farm | $171 |
| Acuity | $225 |
| American Family | $226 |
| Geico | $313 |
| Progressive | $337 |
*USAA is only available to current and former military members and their families.
Average car insurance costs in Milwaukee by neighborhood
The area around Borchert Field has the highest rates for car insurance in Milwaukee
Residents of Borchert Field pay about $226 per month for car insurance.
Meanwhile, residents of the Alcott Park neighborhood pay just $144 per month, on average.
Where you live has an impact on how much you pay for car insurance. You might pay more if you live in an area with high rates of car theft. Or, you could pay less if the roads in your area are well-maintained, reducing accidents.
ZIP | Monthly Rate | % from average |
|---|---|---|
| 53202 | $166 | -9% |
| 53203 | $184 | 2% |
| 53204 | $195 | 8% |
| 53205 | $214 | 18% |
| 53206 | $226 | 25% |
What's the best car insurance coverage in Milwaukee, WI?
Most drivers should get full coverage car insurance, as it fully protects them in the event of an accident.
with collision and comprehensive coverage includes protection for a driver's own car.
- Collision: Covers damages from hitting another vehicle or object
- Comprehensive: Covers damages from theft, natural disasters and other events outside the driver's control, sometimes called "acts of God."
Although minimum liability protection satisfies legal requirements to drive in WI, it could leave you in a bad spot if you're at fault for an accident. More coverage can protect you if you have an expensive vehicle or if another driver has serious injuries and medical costs.
Methodology
Data was collected from seven of the largest insurance companies in Wisconsin for a 30-year-old man with average credit who drives a 2015 Honda Civic EX. Rates are for a full coverage policy, unless otherwise stated.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.