Car Insurance in Milwaukee, WI

Offering you a fast and stress-free experience on your auto insurance search in Milwaukee.

Auto Insurance in Milwaukee and What You Need to Know

Auto insurance shopping for affordable offers in Milwaukee means hunting for estimates from several companies. The price of what your friends’ and acquaintances’ auto insurance covers will differ based on numerous factors; such as the driver’s age as well as their driving and location history. To help you out, we’ve done some of the homework for you and gathered auto insurance rates in the city including the most affordable alternatives. We've also listed a couple of crucial factors that play a role in how much you pay.

Percentage increase in Milwaukee car insurance costs compared to national average

3 %

Percentage increase in Milwaukee car costs compared to average in Wisconsin

561 %

Percentage increase in Milwaukee car insurance costs compared to most expensive in Wisconsin

5155 %

Full Coverage Car Insurance

Protect yourself, your passengers, and others. Discover what driving with full coverage in Milwaukee can provide you beyond your peace of mind in knowing that everyone and everything is protected.

Liability Car Insurance

It isn’t all or none. Get to know the insurance requirements for driving in Milwaukee with a minimum liability auto insurance coverage plan.

High Risk Car Insurance

Looking for the best high-risk coverage plan in Milwaukee? You don’t have to do it alone. We’ll help you find the best rate for you.

Home and Auto Insurance

Save your time and money by bundling your next home and auto insurance coverage into one. Find out if a home and auto insurance bundle is right for you.

Your Driving Record Matters When Getting Auto Insurance in Milwaukee

Imagine this. You receive a fantastic auto insurance quote that's affordable and provides all the coverage options you're searching for. You go for it, only to find the insurance carrier informing you later that the total cost is higher than the original quote. Sound familiar? This might be due to insurance points. Insurance points, or the amount of points added to a driver's record for misdemeanors, varies by location. Your auto insurance rate in Milwaukee might be significantly higher than the original quotation if your driving record from the state's department of motor vehicles shows tickets or accidents you didn’t originally report in your insurance plan.

best home and auto insurance Milwaukee WI

Your Type of Car Plays a Role on Car Insurance Costs in Milwaukee

How much will you pay for auto insurance in Milwaukee? For certain kinds of vehicles, that depends on several factors including horsepower. The danger of crashing a higher horsepower vehicle due to speeding gives it a pricier insurance coverage. That been said, a massive SUV could also push the price of your auto insurance in Milwaukee up due to the capability of its size inflicting more substantial harm on other vehicles. If you are seeking to get the most affordable auto insurance, consider cars in the midsize group, like sedans, midsize SUVs, or minivans. A vehicle's worth also weighs in on the cost to cover it and for many companies it is a significant factor in setting the price of your auto insurance coverage in Milwaukee. If you're on the lookout for extra insurance savings, consider lower-priced vehicles.

Vehicle TypeAnnual Average Cost of Car Insurance

best home and auto insurance Milwaukee WI

Cost of Car Insurance in Milwaukee by Gender and Marital Status

In Milwaukee, your gender is no longer a variable that can be used to calculate auto insurance rates, but your marital status can be. Generally, married couples are more likely to receive a reduced auto insurance rate than single individuals due to their lower likelihood and inclination of getting into automobile accidents. There are several theories as to why this may be the case, including sources stating that married motorists often drive less than their single counterparts and have significantly more stable lifestyles. This may also include domestic partners, although less common. Other groups that could be charged higher auto insurance prices in Milwaukee are divorced couples and elderly widows.

Where You Live in Milwaukee Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Milwaukee

14 %

Annual savings for car insurance in medium sized cities near Milwaukee

10 %

Your zip code alone can save or cost you thousands of dollars annually on auto insurance in Milwaukee. These discrepancies in automobile insurance policy prices by zip code is due to auto insurance companies lumping specific zip codes into risk classes. These classes are driven by the rates of injuries and theft claims seen in that city. Urban residents generally see higher insurance premiums than rural residents. In other words, more cars equals more mishaps. Another factor that plays a role in the pricing of auto insurance is the status of the streets within a given zip code, where less developed areas may be reflected in higher auto insurance prices.

Average Costs of Auto Insurance in Milwaukee by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,146.67
Auto Insurance with Comprehensive Only1,353.07
Auto Insurance with Comprehensive and Collision1,995.20

Your Credit Affects Your Car Insurance Costs

Apart from your driving history and the kind of automobile you drive, your credit rating may also affect what you pay for in auto insurance. Many businesses in Milwaukee, up to 92% in, utilize credit-based insurance coverage when setting the price of your auto insurance rates and studies indicate that using this particular scoring helps insurance companies predict the cost of insurance in the likelihood that someone would get into an accident. A credit-based auto insurance coverage makes it possible for insurers to estimate the fairest, most suitable rate for every single client. Despite the significant role your credit history can play when it comes to pricing your auto insurance, concentrating on the points you can control, like paying your bills on time and keeping an eye on how you're applying for the credit, is still very important.

Average car insurance rate changes in Milwaukee based off credit scores.

54 %

Max car insurance rate changes in Milwaukee based off credit scores

147 %

92 percent of the car insurance companies in Milwaukee now think about your credit rating when calculating how much you will pay for auto insurance.

Milwaukee Car Insurance Rates by Age

The rates for auto insurance in Milwaukee vary considerably by age group. This again goes back to the likelihood of injuries and costly claims, as certain age groups are considered a higher liability. These include younger drivers with a tendency to exhibit reckless behavior leading to a higher prevalence of automobile incidents. The rates of auto insurance do drop off for adults who are seen to be more experienced behind the wheel, and this trend continues until motorist reach their seventies where rates begin to rise again. Despite age being a significant variable in the cost of auto insurance in Milwaukee, it varies greatly from state to state.

best home and auto insurance Milwaukee WI

Getting the Best Auto Insurance Rates in Milwaukee

Shopping for and buying auto insurance in Milwaukee may seem like an unnecessary cost and hassle, but what seems like a burden will protect you and your family from financial loss associated with a traffic collision, automobile theft, natural disasters, and other abrupt life events. You don’t need to invest in more than what you really need but finding out what that is isn’t always that clear. Researching the best possible rate by comparing prices offered by different auto insurance companies is your best approach in Milwaukee to secure an affordable auto insurance. We are always here to help.