Milwaukee is Wisconsin’s biggest city. The city is the 30th-largest metro area in the United States, with a population of 587 721 in 2020 (greater metropolitan region of 1.57 millions). Milwaukee drivers pay $533 per year for minimum coverage, and $1,525 to get full coverage. Milwaukee has higher average rates than the $332 per year state average for minimum coverage and $1,186 per year for full coverage.
More than 40% Milwaukee families own two cars, and more than 70% of commuters don’t carpool but drive their own vehicles. The number of automobile thefts in Milwaukee increased significantly in the early 2021. They were up 152% compared to the same period in 2020. The high correlation of high car theft rates and higher rates of car insurance could have an impact on future rates in Milwaukee.
These factors were combined with the rankings of several insurers in customer service and claims handling to determine which providers are the best in Milwaukee.
Milwaukee’s best car insurance companies
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| 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 as part of the formal ranking due to its military membership. However, it is scored.
Geico
Geico is a 75-year-old company that provides car insurance and has a solid reputation for providing excellent customer service. Geico was ranked 851 in the 2020 J.D. Power Auto Customer Satisfaction Study. Geico might offer lower rates for Milwaukee drivers, as evidenced by the average rates from Quadrant information Services. These rates can be easily compared online or by telephone. Geico offers a variety of policy options and enhancements that will meet your needs.
Erie
J.D. gives Erie high ratings in the North Central Region. Power is ranked third for customer satisfaction. Erie offers a wide range of discounts that may be able to help with affordability. The ERIE rate lock feature allows you to lock in your car-insurance rates. Until you make changes to your policy, such as adding or subtracting a driver or vehicle from your policy, the rates will remain in effect.
Auto-Owners
Two separate J.D.s placed Auto-Owners high in 2020. Its approach to policyholder priorities is reflected in its Power Survey. With an 845 score in the 2020 J.D., the company was ranked fourth. The overall customer satisfaction study for Power Auto Insurance was ranked fourth with an 845 score on the 2020 J.D. Power U.S. Claims Survey Satisfaction Study. Auto-Owners vast experience has allowed it to create a portfolio that is easy to understand and includes extensive add-on coverages that can be easily tailored to specific needs.
Allstate
Allstate also ranks higher than average in the 2020 J.D. The 2020 J.D. and Power Auto Insurance Overall Customer Satisfaction Study also rank Allstate higher than average. Power Auto Claims Satisfaction Study. Customers can also review all available options for car insurance through the provider’s interactive website. Allstate offers a variety of discounts to keep rates low, including the well-known Drivewise program that allows drivers to reduce their rates by showing safe driving habits. This is monitored by an Allstate App.
USAA
J.D. does not rank USAA. Due to USAA’s requirements for military-affiliation membership, USAA does not have the power to rank. J.D. J.D. Power scores the company in both the 2020 J.D. USAA was ranked among the top-ranked insurers in both the U.S. Claims Satisfaction and Power Auto Insurance Overall Customer Satisfaction studies. USAA is also known for offering many discounts and a wide range of car insurance policies. USAA’s policies and services are designed to help military families and veterans. This makes it a great choice for anyone who is eligible.
Milwaukee has the lowest car insurance
Below is a list of some of the lowest annual car insurance premiums available in Milwaukee. The rates for each of the listed insurers are lower than the average annual car-insurance premiums for Milwaukee drivers ($533 for minimum coverage, $1,525 to full coverage).
Two things are important to remember. The first is that the cheapest policy might not be the best. It is often a good idea to spend a little more in order to get the right coverage you need to manage potential risk. The companies listed below are highly respected and can offer premium-level insurance products at an affordable cost. Erie, GEICO, and USAA are on both our top and bottom lists.
The customer service ratings of each company listed below have been high. While there will be different options between insurers, each company below can work with you to create a policy that is both affordable as well as tailored to your specific needs.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $289 | $866 |
| GEICO | $351 | $1,195 |
| Erie | $358 | $1,164 |
| AAA | $370 | $1,386 |
| State Farm | $400 | $1,037 |
Milwaukee insurance requirements
The following minimum requirements for car insurance are set forth by Wisconsin. Milwaukee has minimum liability coverage requirements that require all drivers to have insurance.
- $10,000 for property damage to third party
- $25,000 for one person’s injury or death;
- $50,000 to injure or kill more than one person
When law enforcement asks for traffic stops or accidents, both the automobile operator and owner must also show proof of insurance. Motor vehicle owners without insurance could face fines of up to $500
While the minimums are required by law, most drivers will find that they don’t provide adequate protection for their family and themselves against the severe financial loss that could result from an accident. It is important to compare quotes from multiple carriers in order to get the best coverage for all your needs.
Milwaukee car insurance discount
Wisconsin offers many discounts that can help you save substantial amounts on your car insurance. You may be eligible for discounts because Wisconsin allows you to consider factors when setting premiums.
- Types of employment
- Property ownership
- Marital status
- Senior discounts, especially for those over 65
- Student status
- Safe driving records
Insurers often offer discounts for actions taken or incurred by insureds, which can improve an insurance company’s efficiency. These include:
- You can choose a paperless billing option
- Premiums can be paid in a lump sum, or by automatic deductions from a credit card or bank account.
- Bundling policies and vehicles
Questions frequently asked
Which is the best auto insurance company?
Here are some of the top car insurance companies in Milwaukee to help you get affordable and high-quality car insurance coverage. These comparisons are a good starting point for your considerations. However, it is best to search company websites and ask questions to company representatives to get multiple quotes. You will be able to take advantage of all the discounts and coverage options discussed in this article.
What is the cost of car insurance in Milwaukee?
This article is not meant to be a guideline for finding the best car insurance in Milwaukee. It cannot predict what you will end up paying. Every person’s situation will be different. You may be eligible for discounts that others cannot. To find the right price, it is important to fully understand the options available to you.
What amount of car insurance do you need in Milwaukee?
Wisconsin law sets minimum requirements for car insurance coverage. However, these may not be sufficient to cover all the risks we face. There are many options to get the coverage you want in Milwaukee at an affordable price, as we’ve discussed.
