Cost of Car Insurance in Milwaukee, WI – 2025 Cheapest Rates + Rankings

• Average car insurance in Milwaukee costs $2,430 per year, or $203 per month for full coverage.
• Milwaukee car insurance costs $452 per year more than the Wisconsin state average rate ($1,978) and $209 per year more than the average rate for all 50 U.S. states ($2,221).
• Auto insurance rates for a few popular models in Milwaukee include the Jeep Wrangler at $231 per month, Nissan Rogue at $182, and Ram Truck at $234.
• For cheap auto insurance in Milwaukee, compact SUVs like the Nissan Kicks, Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5 rank very well for overall cost.
• A few vehicles with segment-leading auto insurance rates include the Chevrolet Colorado, Acura Integra, Acura RDX, and Kia K5.
• Car insurance quotes in Milwaukee can range from as little as $26 per month for a liability-only policy to over $705 per month for drivers requiring high-risk coverage.

How much is car insurance in Milwaukee?

Average car insurance cost in Milwaukee is $2,430 per year, which is approximately $203 per month. Milwaukee car insurance costs 9% more than the national average rate of $2,221.

In the state of Wisconsin, the average car insurance cost is $1,978 per year, so the cost in Milwaukee averages $452 more per year. The average cost of insurance in Milwaukee compared to other Wisconsin cities is approximately $360 per year more expensive than in Kenosha, $586 per year more than in Appleton, and $426 per year more expensive than in Madison.

The next chart shows a summary of car insurance rates in Milwaukee for 2024 model year vehicles, averaged based on a wide range of driver ages, policy deductibles, and driver risk scenarios.

In the chart above, the cost of auto insurance in Milwaukee ranges from $2,022 per year for a 40-year-old driver who qualifies for many discounts to $5,588 per year for a 30-year-old driver who is required to buy high risk car insurance. From a monthly standpoint, the average cost ranges from $169 to $466 per month.

Milwaukee auto insurance rates can have a wide range and can also be very different depending on the company. This amount of variability emphasizes the need to get multiple car insurance quotes when shopping for the cheapest car insurance coverage.

Driver age has a big impact on the price of car insurance, so the list below details how age impacts cost by showing the difference in average car insurance rates in Milwaukee for drivers from 16 to 60.

Average cost of car insurance in Milwaukee for drivers age 16 to 60

• 16-year-old driver – $8,656 per year or $721 per month
• 17-year-old driver – $8,386 per year or $699 per month
• 18-year-old driver – $7,515 per year or $626 per month
• 19-year-old driver – $6,844 per year or $570 per month
• 20-year-old driver – $4,890 per year or $408 per month
• 30-year-old driver – $2,592 per year or $216 per month
• 40-year-old driver – $2,430 per year or $203 per month
• 50-year-old driver – $2,154 per year or $180 per month
• 60-year-old driver – $2,018 per year or $168 per month

The rates above that detailed the cost to insure teen drivers assumed the gender of the driver was male. The next chart gets more specific and illustrates average teen driver rates in Milwaukee by gender. Teenage female drivers cost a lot to insure, but they are usually cheaper than male drivers of the same age.

Auto insurance for a female 16-year-old driver in Milwaukee costs an average of $575 less per year than the cost to insure a male driver, while at age 19, the cost difference is significantly less but still $1,059 per year.

Average insurance cost for popular vehicles

The auto insurance costs referenced previously consist of an average based on every 2024 vehicle model, which is helpful for making general comparisons such as the average cost difference between two Wisconsin cities.

Average car insurance rates are excellent for answering questions like “are Milwaukee auto insurance rates cheaper than in Waukesha?” or “are Wisconsin auto insurance rates cheaper than in California?”.

For more useful car insurance comparisons, however, it makes sense to instead use rates for the specific make and model of vehicle being insured. Each individual model has it’s own unique characteristics for determining car insurance prices and this data provides the means to perform detailed cost comparisons.

The list below displays average annual and monthly auto insurance cost in Milwaukee for the more popular models.

Car insurance cost for popular models in Milwaukee

• Jeep Wrangler – $2,972 per year or $248 per month
• Nissan Rogue – $2,341 per year or $195 per month
• Ram Truck – $3,012 per year or $251 per month
• Hyundai Elantra – $2,828 per year or $236 per month
• Chevrolet Equinox – $2,399 per year or $200 per month
• Ford F150 – $2,916 per year or $243 per month
• Chevrolet Silverado – $2,881 per year or $240 per month
• Mazda CX-5 – $2,127 per year or $177 per month
• Toyota Tacoma – $2,636 per year or $220 per month
• Jeep Grand Cherokee – $2,611 per year or $218 per month

Which vehicles have the cheapest auto insurance rates?

When comparing all car, SUV, and pickup models, the models with the best car insurance prices in Milwaukee, WI, tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Kia Soul, Buick Envision, and Nissan Kicks.

Average insurance quotes for those vehicles cost $176 or less per month to get full coverage.

A few other vehicles that have low-cost insurance rates in our car insurance cost comparison are the Nissan Murano, Kia Niro, Volkswagen Tiguan, and Buick Envista. Average cost is a little higher for those models than the crossovers and small SUVs at the top of the rankings, but they still have an average insurance cost of $2,265 or less per year.

The table below shows the 20 car, truck, and SUV models with the cheapest auto insurance in Milwaukee, ordered by annual cost.

The above table containing 20 of the cheapest vehicles to insure in Milwaukee serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A better way to group and rank car insurance rates in a coherent manner is to organize them by automotive segment.

This next section illustrates the different automotive segments and the average cost of auto insurance in Milwaukee. The average rates shown in the chart will provide a good idea of which automotive segments have the best average car insurance rates. The sections following the chart rank the most affordable rates for individual models in each automotive segment.

Milwaukee car insurance rates by automotive segment

If you’re looking around at new or used cars, it’s advantageous to know which types of vehicles have cheaper auto insurance rates in Milwaukee. For instance, maybe you’re curious if midsize SUVs are cheaper to insure than small SUVs or if heavy duty pickups have more expensive car insurance than half-ton pickups.

The chart below shows the average cost of auto insurance rates in Milwaukee for different vehicle segments. From an overal segment perspective, compact SUVs and midsize pickup trucks tend to have the cheapest average rates, while sports cars, large luxury cars, and performance exotic cars have the highest average cost to insure.

Auto insurance rates by segment are precise enough for overall comparisons, but cost varies significantly within each vehicle category shown in the above chart.

For example, in the midsize luxury SUV segment, Milwaukee insurance rates range from the Jaguar E-Pace at $2,274 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 costing $4,096 per year, a difference of $1,822 within that segment. As another example, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $2,726 per year up to the Mercedes-Benz G63 AMG at $5,222 per year, a difference of $2,496 within that segment.

In the upcoming sections, we remove some of this variability by analyzing the cost of auto insurance in Milwaukee from a model perspective.

Cheapest cars to insure in Milwaukee

The top-ranked vehicle in Milwaukee for cheapest average insurance in the non-luxury car segment is the Toyota GR Corolla, costing an average of $2,112 per year. Second place is the Nissan Leaf at $2,128 per year, ranking third is the Honda Civic, at an average of $2,152 per year, and fourth place goes to the Nissan Sentra, at an average of $2,224 per year.

Not the cheapest, but still very affordable, are cars like the Kia K5, Toyota Corolla, Toyota Prius, and Chevrolet Malibu, with average annual insurance rates of $2,368 per year or less.

As a cost per month, full-coverage car insurance in this segment for the average driver starts at an average of $176 per month, depending on your location.

The cheapest non-luxury compact car to insure in Milwaukee is the Toyota GR Corolla at $2,112 per year. For midsize models, the Kia K5 is cheapest to insure at $2,340 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $2,316 per year.

The next table ranks the twenty cars with the lowest-cost average insurance rates in Milwaukee, starting with the Toyota GR Corolla at $2,112 per year and ending with the Mazda 3 at $2,512 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Milwaukee car insurance quotes from top car insurance companies in Wisconsin.

Cheapest SUVs to insure in Milwaukee

Ranking in the top five for the lowest-cost Milwaukee auto insurance rates in the SUV segment (excluding luxury models) are the Chevrolet Trailblazer, Nissan Kicks, Kia Soul, Honda Passport, and Subaru Crosstrek. Car insurance prices for these vehicles average $1,936 or less per year.

Not the cheapest in the list, but still ranking well, are models like the Ford Bronco Sport, Buick Envision, Hyundai Venue, and Mazda CX-5, with average rates of $1,990 per year or less.

Car insurance rates for this segment in Milwaukee will start around $150 per month, depending on the company.

If ranked by vehicle size, the lowest-cost non-luxury compact SUV to insure in Milwaukee is the Subaru Crosstrek at $1,796 per year. For midsize SUVs, the Honda Passport has the best rates at $1,936 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $2,282 per year.

The comparison table below ranks the twenty SUVs with the cheapest auto insurance rates in Milwaukee, starting with the Subaru Crosstrek at $150 per month and ending with the Subaru Ascent at $176 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Need rates for a different SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Wisconsin.

Cheapest pickup insurance rates in Milwaukee

Taking the top spot in Milwaukee for cheapest average insurance in the pickup segment is the Chevrolet Colorado, coming in at $2,138 per year. Second place is the Nissan Titan at $2,272 per year, in third place is the Nissan Frontier, at an average of $2,298 per year, and coming in fourth is the Ford Ranger, costing an average of $2,322 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, Hyundai Santa Cruz, and GMC Canyon, with an average car insurance cost of $2,500 per year or less.

Auto insurance rates in Milwaukee for this segment can cost as low as $178 per month, depending on the company and your location.

The rate comparison table below ranks the twenty pickups with the cheapest car insurance rates in Milwaukee, starting with the Chevrolet Colorado at $2,138 per year and ending with the Ram Truck at $2,808 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck missing from the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Milwaukee car insurance quotes from top companies in Wisconsin.

Cheapest sports cars to insure in Milwaukee

Ranking at the top for the cheapest Milwaukee car insurance rates in the sports car and performance segment are the Toyota GR86, Mazda MX-5 Miata, Subaru WRX, Ford Mustang, and BMW Z4. Car insurance rates for these vehicles average $2,726 or less per year, or around $227 per month.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Toyota GR Supra, BMW M2, Nissan Z, and Subaru BRZ, with an average cost of $2,906 per year or less.

Auto insurance rates in this segment for an average middle-age driver will start around $187 per month, depending on your location. The comparison table below ranks the twenty sports cars with the most affordable insurance rates in Milwaukee, starting with the Mazda MX-5 Miata at $187 per month and ending with the Porsche Taycan at $343 per month.

Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Wisconsin.

Cheapest luxury cars to insure in Milwaukee

The #1 ranking in Milwaukee for cheapest auto insurance in the luxury sedan segment is the Acura Integra, costing $2,160 per year. Second place is the BMW 330i at $2,474 per year, the third most affordable is the Mercedes-Benz CLA250, costing an average of $2,502 per year, and ranking fourth is the Lexus IS 300, costing an average of $2,506 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are cars like the Lexus ES 350, Genesis G70, Mercedes-Benz AMG CLA35, and Cadillac CT4, with average rates of $2,554 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the BMW 230i, Lexus ES 250, Cadillac CT5, Audi S3, and Jaguar XF cost between $2,554 and $2,726 per year for full-coverage insurance in Milwaukee.

As a cost per month, car insurance on this segment in Milwaukee for a middle-age safe driver will start around $180 per month, depending on the company.

The cheapest compact luxury car to insure in Milwaukee is the Acura Integra at $2,160 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,502 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $2,886 per year.

The next table ranks the twenty cars with the lowest-cost average car insurance rates in Milwaukee, starting with the Acura Integra at $180 per month and ending with the Audi S3 at $227 per month.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your luxury car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Milwaukee car insurance quotes from the best car insurance companies in Wisconsin.

Cheapest luxury SUVs to insure in Milwaukee

Ranking #1 in Milwaukee for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, coming in at $2,032 per year. Second place is the Lexus NX 250 at $2,150 per year, and the third cheapest is the Cadillac XT4, at an average of $2,194 per year.

Additional luxury SUVs that rank well are the Mercedes-Benz GLB 250, Lexus NX 350h, Lincoln Corsair, and Lexus NX 450h, with average cost of $2,344 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, SUVs like the Infiniti QX60, Cadillac XT6, Land Rover Evoque, Infiniti QX50, and Acura MDX cost between $2,344 and $2,438 per year to insure in Milwaukee.

As a cost per month, auto insurance on this segment in Milwaukee for a safe driver can cost as low as $169 per month, depending on the company and your location.

If rates are ranked based on vehicle size, the most budget-friendly compact luxury SUV model to insure in Milwaukee is the Acura RDX at $2,032 per year, or $169 per month. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,274 per year, or $190 per month. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,726 per year, or $227 per month.

The table below ranks the twenty luxury SUVs with the lowest-cost insurance in Milwaukee, starting with the Acura RDX at $2,032 per year and ending with the Lexus RX 350 at $2,438 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Looking for rates for a different model? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Wisconsin.

Helpful tips to save on auto insurance

Milwaukee drivers are always searching for ways to pay less for insurance, so read through the money-saving tips in the list below and maybe you’ll be able to save a few bucks on your next policy purchase.

• Save money with better credit. Drivers who maintain a credit score over 800 may save up to $382 per year over a slightly lower credit rating between 670-739. Conversely, a mediocre credit score could cost up to $442 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Obey driving laws to keep policy cost low. In order to have affordable auto insurance in Milwaukee, it’s necessary to drive within the law. Just a few traffic violations have the consequences of increasing insurance policy rates as much as $646 per year.
• Consider raising your deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Don’t be a careless driver. Too many at-fault accidents will increase rates, to the tune of $1,170 per year for a 30-year-old driver and even as much as $594 per year for a 60-year-old driver. So be safe and save.
• Save money due to your occupation. The vast majority of auto insurance providers offer discounts for being employed in professions like members of the military, engineers, architects, scientists, police officers and law enforcement, emergency medical technicians, and others. Obtaining this discount could save between $73 and $236 on your yearly auto insurance bill, depending on the age of the driver.