Milwaukee is Wisconsin’s largest city. With a 2020 population of 587,721 (greater metropolitan area of 1.57 million), the city is the 30th largest metro in the United States. The average annual car insurance premiums for Milwaukee drivers are $533 for minimum coverage and $1,525 for full coverage. Compared to the state average of $332 a year for minimum coverage, and $1,186 a year for full coverage, Milwaukee averages higher rates overall.

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Over 40% of Milwaukee families own two cars and over 70% of commuters do not carpool, but drive alone. Automobile theft in Milwaukee also increased substantially in early 2021, with the number of thefts in February 2021 up 152% from the same period in 2020. This could affect future rates in Milwaukee because there is a high correlation between high levels of car theft and increased car insurance rates.

These factors and the ranking of a variety of insurers in customer service, discounts and claim handling were reviewed to determine which providers may be among the best car insurance companies in Milwaukee for drivers to consider.

Best car insurance companies in Milwaukee

Insurance company J.D. Power score
North Central Region
Average annual premium for minimum coverage Average annual premium for full coverage
GEICO 851/100 $351 $1,195
Erie 846/100 $358 $1,164
Auto-Owners 845/100 $591 $1,402
Allstate 830/100 $771 $2,101
USAA 897**/100 $289 $866

*North Central Region Average Score is 830
**USAA is not included in the formal ranking because, with its exclusive military membership, it does not meet all criteria to be officially ranked. It is scored however.


Geico has been providing car insurance for 75 years and has established a reputation for quality customer service. Geico received the highest ranking (851) in the 2020 J.D. Power Auto Customer Satisfaction study. As evidenced by average rates from Quadrant Information Services, Geico may offer lower rates to drivers in Milwaukee, which can be quoted easily online or by phone. Low rates don’t mean lack of coverage, however; Geico has a wide range of policy options and enhancements to meet your car insurance needs.


In the North Central Region, Erie receives strong ratings from J.D. Power, ranking third overall for customer satisfaction. Erie provides an extensive range of discounts which may help to contribute to the affordability. Of particular value is the ERIE Rate Lock feature, allowing you to lock in your car insurance rates. The rates remain in place even if you have an accident until you make certain policy changes, such as adding or removing a vehicle or a driver from your policy or changing your primary residence.


Auto-Owners ranked high in 2020 on two separate J.D. Power surveys, which speaks well of its approach to policyholder priorities. The company ranked fourth with an 845 score on the 2020 J.D. Power Auto Insurance Overall Customer Satisfaction Study and ranked third at 890 on the 2020 J.D. Power U.S. Claims Satisfaction Study. Auto-Owners extensive experience has helped it to develop a portfolio of easily understood policy packages and extensive add-on coverages which can be readily tailored to meet specific needs.


Allstate also ranks above average on the 2020 J.D. Power Auto Insurance Overall Customer Satisfaction Study and the 2020 J.D. Power Auto Claims Satisfaction Study. The provider also has a robust interactive website which allows customers to quickly and easily review the many options it offers for car insurance. Allstate provides a wide range of discount options to help keep rates low including the well known Drivewise program which lets drivers reduce rates by demonstrating safe driving patterns monitored by an Allstate app.


USAA is not officially ranked by J.D. Power due to USAA’s military-affiliation membership requirements. However, J.D. Power does score the company and in both the 2020 J.D. Power Auto Insurance Overall Customer Satisfaction study and the U.S. Claims Satisfaction study, USAA scored among the very highest ranked insurers. USAA also stands out for its extensive car insurance policy options and many discounts. The company structures its policies and services to support those of the military and their families and may be ideally suited for those who are eligible.

Cheapest car insurance in Milwaukee

In the chart below, we have listed some of the cheapest annual car insurance policy premiums that may be available to you in the Milwaukee area. The rates of each insurer in the chart are lower than the average annual car insurance premiums for Milwaukee drivers ($533 for minimum coverage and $1,525 for full coverage).

It is important to note two things. First, the cheapest policy may not be best for you. In the long run, spending a bit more to obtain the right coverage to address potential risk is usually the recommended course. Second, the companies below are highly reputable and simply because they are able to provide coverage at an affordable price does not mean they can not offer top tier insurance products. USAA, GEICO and Erie show up on both our best and cheapest lists.

Each company below has received high marks for customer service. Although specific options will vary between different insurers, each of the companies below is capable of working with you to develop a policy which is both affordable and designed to meet your needs.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $289 $866
GEICO $351 $1,195
Erie $358 $1,164
AAA $370 $1,386
State Farm $400 $1,037

Milwaukee insurance requirements

Wisconsin prescribes the following minimum car insurance requirements. Milwaukee is subject to the minimum liability coverage amounts which require every driver to maintain insurance for:

  • $10,000 for property damage to third parties;
  • $25,000 for the injury or death of one person; and
  • $50,000 for the injury or death of more than one person

​Additionally, automobile operators and owners must show proof of insurance when law enforcement requests at traffic stops or accidents. A motor vehicle without insurance can lead to fines up to $500.

Most drivers will determine that the above minimums, while satisfying the strict letter of the law, won’t adequately protect them and their families from the significant loss that can come from a serious accident. Therefore, it is important to work with several carriers to obtain and compare quotes for the best coverage to meet all of your needs.

Car insurance discounts in Milwaukee

There are many discounts which are permitted in Wisconsin which will help save significant amounts when you shop for car insurance in Milwaukee. Because Wisconsin permits the consideration of factors in setting premiums that evidence stability and reduced risk, you may be able to get discounts based upon:

  • Type of employment
  • Home ownership
  • Marital status
  • Age, specifically senior discounts
  • Status as a student
  • A record of safe driving

Additionally, most insurers provide discounts for actions taken by an insured which improves a car insurance company’s operational efficiency. These include:

  • Selecting a paperless billing option
  • Paying premiums in an annual lump sum or with automatic deductions from a bank or credit card account
  • Bundling policies or vehicles

Frequently asked questions

What is the best car insurance company?

We have highlighted here some of the best car insurance companies in Milwaukee for obtaining affordable and quality car insurance coverage. While these comparisons provide a starting place for your considerations, the best approach to finding the best car insurance policy is to research company websites, ask questions of company representatives and obtain several quotes to compare. This will assure you have taken advantage of the many coverage options and discounts discussed in this article.

How much does car insurance in Milwaukee cost?

Although this article has attempted to provide guidance in finding the most cost effective car insurance coverage available in Milwaukee, it is impossible to predict the exact price you will need to pay. Each individual’s situation is different and you may be able to avail yourself of many discounts others can not. It is vital to take the time to understand all options available to you to find the ”right” cost.

How much car insurance do I need in Milwaukee?

The minimum requirements for car insurance coverage set by Wisconsin law are potentially insufficient to cover the real risks most of us face. As discussed in this article, however, there are many ways to find the level of coverage you need in Milwaukee for an affordable price.


Bankrate utilizes Quadrant Information Services to analyze 2021 and 2020 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

*Rates by carrier for this city reflect 2020 data

These are sample rates and should be used for comparative purposes only. Your quotes may be different.