Average Cost Of Car Insurance In Wisconsin - In Milwaukee, Erie offers the best rates for the lowest-coverage car insurance policies, our analysis found. The company charges $41 a month for minimum coverage, $494 a year.
Drivers in Milwaukee, Wisconsin's largest city, pay more for coverage than the average Wisconsinite. Rates are 31% higher for full coverage and 60% higher for minimum coverage.
Average Cost Of Car Insurance In Wisconsin
Before purchasing car insurance, we recommend that you compare multiple quotes. Rates can vary depending on your background and driving history, and companies offer different rates and discounts.
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Our analysis found that Erie, American Family and SECURA are your best choices for minimum liability car insurance in Milwaukee. All three insurers have rates at least $13 per month lower than the city average.
Erie is the cheapest, at $41 per month or $494 per year, a $333 savings over the average. American Family is second on the list, at $46 per month, SECURA is third, at $56 per month. State Farm is the only other company with a lower rate than the average of $69 per month.
Even if minimum liability protection satisfies the legal requirements, it can leave you in an expensive spot if you're at fault in an accident. More coverage can protect you if you have an expensive vehicle or the other driver has serious medical expenses.
American Family is the top auto insurance company in Milwaukee for full-coverage policies. The Madison, Wis.-based company's rate is $1,425 a year, or $623 more than the average and $234 more than the next cheapest option.
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USAA Milwaukee has the lowest rates overall, but the only drivers eligible to purchase car insurance from the provider are current military members, former military members, or military families.
An accident, DUI, speeding ticket or other incident can lead insurers to charge you a higher rate than other Milwaukee residents. The increase is often substantial, so searching for a lower rate can save you a good amount of money.
Erie has the lowest prices after an accident, State Farm is second cheapest and American Family is third. Erie rate increased by $399 and State Farm by $356 per accident.
Overall, an accident in Milwaukee increases the rate by more than 50% by an average of $1,043 per year.
Wisconsin Car Insurance Cost For 2023
The overall accident rate in the state of Wisconsin increased by more than 45%. That means Milwaukee residents aren't seeing much of an increase compared to the rest of the state.
Speeding ticket prices for American family drivers are best in Milwaukee at $234 per year. The city of Erie had the second best rate, followed by State Farm.
The average annual premium for American families is $1,425. Erie and State Farm came in at $1,659 and $2,035, respectively.
Milwaukee drivers pay an average of 63% more for full-coverage car insurance after a DUI, $1,304 more per year. State Farm offers the best rate after a drunk driving conviction, an increase of just $177 a year, less than 10%.
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State Farm's annual rate after a DUI is $2,035 lower than other affordable options, Artisan and Truckers, a Progressive affiliate at $2,252 and Erie at $2,454.
Craftsman & Truckers and State Farm offer the top rates in Milwaukee for drivers with poor credit. Credit issues cost more to insure than speeding tickets, and the same goes for city accidents.
A driver with a Craftsman and Truckers policy pays an average of $1,720 per year. State Farm comes in at $2,035. On average, poor credit adds $1,031 to a driver's annual insurance costs.
For married drivers, American Family rates in Milwaukee increased by $87 a year for artisans and truckers. Erie rates are $89 more expensive than American homes.
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The American family price is $386 lower than the Wisconsin state average of $1,425 for married drivers. Married drivers pay lower rates than single drivers because insurers see them as less dangerous.
In Milwaukee, young drivers can save more money with Erie. American Family rates are slightly more expensive. Both companies offered prices that were two-thirds lower than the city average.
Erie's rate is $64 less per year than the average American family's $4,961. The next cheapest option is SECURA at $4,936. Younger drivers paid an average of $4,052 more than drivers in their 30s, nearly three times as much.
The Milwaukee metro area is home to approximately 1.6 million people across four counties. More than half live in Milwaukee County and more than a third live in the city. Among the city's 29 zip codes, insurance rates can vary widely.
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The cheapest zip code for car insurance in the city is 53226, which has a zoo and is next to the suburbs of Wauwatosa. The most expensive zip code is 53206, which is north of the suburbs.
Of the five largest cities in the Milwaukee metro area, Milwaukee has the most expensive car insurance rates, $129 higher than Wauwatosa. Waukesha, the city's largest suburb and the state's third-largest county seat, had the lowest price at $1,477.
Milwaukee ranks last among Wisconsin's 15 largest cities in vehicle thefts per 100,000 residents. That rate was 770.5 vehicles stolen per 100,000 residents in 2018.
In 2018, there were a total of 4,589 auto thefts in Milwaukee. Among the state's largest cities, Sheboygan and Kenosha have the lowest auto theft rates.
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Data were collected from nine of Wisconsin's largest insurers. Rates for a sample driver's 2015 Honda Civic EX and a 30-year-old with average credit for a full-coverage policy, unless otherwise noted.
These quotes should be used for comparative purposes only. This analysis used insurance rate data from Quadrant Information Services, which is publicly derived from insurer filings.
To get an insurance quote over the phone, call: (855) 596-3655 Agents are available 24 hours a day, 7 days a week! Rachel graduated with a BA in English from Bodine College. He has since worked as a feature writer in the insurance industry and has developed an in-depth knowledge of state and national insurance laws and rates. Her research and writing help readers understand how to find their insurance coverage and savings. His expert advice on insurance is photoenforced, all…
Jeffrey Johnson is a legal writer focusing on personal injury. He has experience in family, estate and criminal law as well as personal injury and sovereign immunity litigation. He earned a JD from the University of Baltimore and worked in law offices and nonprofit organizations in Maryland, Texas, and North Carolina. He also holds an MFA in Screenwriting from Chapman University...
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If you're feeling less than enthusiastic about shopping for car insurance in Wisconsin, we understand. No one enjoys the car insurance research process, but when it gets personal, things get even more complicated.
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How Much Coverage Does the Average Wisconsin Resident Need? How Much Coverage Can You Get? What factors affect car insurance rates? The list of questions is endless, including asking what the DMV hours are in Ashwaubenon WI.
You don't have to face that research process alone. In this guide to Wisconsin car insurance, we cover everything from Wisconsin car insurance rates to Wisconsin car insurance laws to Wisconsin car insurance quotes.
Ready to get started? If you want to look up car insurance rates by state, you can use our free online tool to find affordable car insurance in your Wisconsin area. Enter your zip code to get started.
Wisconsin's driving culture is beginner-friendly. There is no need to rush from one side of the state to the other. Instead, you can enjoy drives that get you where you need to be in a reasonable amount of time. You said you are going to ride a lot of motorcycles. Wisconsin is home not only to car enthusiasts, but also to Harley Davidson's roots.
Best Car Insurance Quotes In Wisconsin (2023)
But what does this mean for your coverage options? Let's dive into the basics of rates and availability of coverage in Wisconsin.
Adding additional coverage, such as comprehensive, may not increase your average monthly car insurance rate as much as you think. Review car insurance coverage prices below:
There is more coverage available to you in Wisconsin than the minimum liability coverage. See the table below for more information:
All of the above
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