Best Car Insurance in Milwaukee, WI

Car insurance in Milwaukee helps cover the costs of auto repairs, medical bills and legal fees if you are involved in an accident. Milwaukee drivers use their policies in a variety of situations, regardless of whether they're at fault for property damage or an injury.

• Crashes in Milwaukee: There was an average of more than 23,000 car crashes in Milwaukee County each year between 2014 and 2016, according to the Wisconsin Department of Transportation. Car insurance in Milwaukee includes mandatory liability coverage, which covers bodily injury and property damage if you're found responsible for a crash. Consider getting comprehensive coverage for deer-related crashes — thousands of these occur in Wisconsin each year, most commonly in October and November.
• Road conditions in Milwaukee: Milwaukee gets 45 inches or more of snow and temperatures drop below zero from November until March, causing weather conditions that are dangerous for your vehicle. In the warmer months, many roads are under construction and road debris is common. Many Milwaukee residents make sure their car insurance policy includes roadside assistance in case they need help with a dead battery, towing or flat tires.
• Vehicle theft in Milwaukee: There were 4,655 vehicle thefts in Milwaukee in 2018, according to the Milwaukee Police Department. If you live in an area of Milwaukee where there are frequent reports of vehicle theft or vandalism, comprehensive coverage is a must. It covers the value of your vehicle if it’s stolen and pays for repairs like broken locks and smashed windows.

The average cost of car insurance in Milwaukee is between $1,400 and $1,500 per year. Wisconsin has lower auto insurance premiums than most parts of the U.S., but costs in Milwaukee are the highest in the state.

One factor that affects car insurance cost is where you live in Milwaukee. The table below gives estimated yearly premiums for a 30-year-old female driver in different parts of the metropolitan area.

Other factors that affect the cost of auto insurance in Milwaukee include:

• Age, gender and marital status
• Year, make and model of your car
• How you use your car
• Your car insurance history, including claims history
• Credit information
• The deductible amount

Insurers and insurance agencies usually offer free quotes for car insurance in Milwaukee. When you submit your information for a quote, ask what discounts are available and whether you qualify. Drivers often get discounts for insuring multiple vehicles, being accident- and claim-free, opting for paperless billing, using automatic payment or paying a yearly premium upfront. Students can usually lower their rates by earning good grades.

Wisconsin drivers are required to carry a policy with these minimum liability coverages:

• $25,000 for injury or death of one person
• $50,000 for injury or death of two or more people
• $10,000 for property damage

Uninsured motorist coverage is also mandatory, with minimums of $25,000 per person and $50,000 per accident for bodily injury. Uninsured motorist coverage protects you and other occupants of your vehicle if it is hit by an underinsured or uninsured motorist or a hit-and-run driver.

Driving a vehicle without car insurance in Milwaukee can result in a fine of up to $500.

Milwaukee car insurance alternatives

According to Wisconsin’s Office of the Commissioner of Insurance, drivers have car insurance alternatives in limited situations. These alternatives include a surety bond, personal funds or a certificate of self-insurance. See this Wisconsin Department of Transportation website for more information.