Cost of Car Insurance in Milwaukee, WI – 2023 Cheapest Rates + Rankings

• Average car insurance in Milwaukee costs $1,756 per year, or $146 per month for full coverage.
• Milwaukee car insurance costs $458 per year more than the Wisconsin state average rate ($1,298) and $28 per year more than the average rate for all 50 U.S. states ($1,728).
• Auto insurance rates for a few popular models in Milwaukee include the Jeep Wrangler at $162 per month, Nissan Rogue at $135, and Ram Truck at $160.
• For cheap auto insurance in Milwaukee, compact SUVs like the Nissan Rogue Sport, Chevrolet Trailblazer, Subaru Crosstrek, and Kia Seltos rank very well for overall cost.
• A few vehicles with segment-leading auto insurance rates include the Ford Maverick, Acura Integra, Acura RDX, and Subaru Legacy.
• 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 $1,756 per year, which is approximately $146 per month. Milwaukee car insurance costs 1.6% more than the national average rate of $1,728.

In the state of Wisconsin, the average car insurance cost is $1,298 per year, so the cost in Milwaukee averages $458 more per year. The average cost of insurance in Milwaukee compared to other Wisconsin cities is approximately $362 per year more expensive than in Kenosha, $594 per year more than in Appleton, and $430 per year more expensive than in Madison.

The next chart shows a summary of car insurance rates in Milwaukee for 2023 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 $1,458 per year for a 40-year-old driver who qualifies for many discounts to $3,990 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 $122 to $333 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 – $6,292 per year or $524 per month
• 17-year-old driver – $5,884 per year or $490 per month
• 18-year-old driver – $5,496 per year or $458 per month
• 19-year-old driver – $4,976 per year or $415 per month
• 20-year-old driver – $3,496 per year or $291 per month
• 30-year-old driver – $1,848 per year or $154 per month
• 40-year-old driver – $1,756 per year or $146 per month
• 50-year-old driver – $1,598 per year or $133 per month
• 60-year-old driver – $1,570 per year or $131 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 $756 less per year than the cost to insure a male driver, while at age 19, the cost difference is significantly less but still $552 per year.

Average insurance cost for popular vehicles

The auto insurance costs referenced previously consist of an average based on every 2023 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 – $2,312 per year or $193 per month
• Nissan Rogue – $1,914 per year or $160 per month
• Ram Truck – $2,270 per year or $189 per month
• Hyundai Elantra – $2,262 per year or $189 per month
• Chevrolet Equinox – $1,864 per year or $155 per month
• Ford F150 – $2,110 per year or $176 per month
• Chevrolet Silverado – $2,278 per year or $190 per month
• Mazda CX-5 – $1,632 per year or $136 per month
• Toyota Tacoma – $1,900 per year or $158 per month
• Jeep Grand Cherokee – $2,212 per year or $184 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 Subaru Crosstrek, Nissan Kicks, Mazda CX-5, and Nissan Rogue Sport.

Average insurance quotes for those vehicles cost $138 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 Ford Maverick, Ford Edge, Hyundai Venue, and Hyundai Kona. 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 $1,766 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 Lexus RX 350 at $1,572 per year for a full coverage policy to the BMW XM costing $2,860 per year, a difference of $1,288 within that segment. As another example, in the large luxury SUV segment, the average insurance cost ranges from the Volvo XC90 costing $1,812 per year up to the Mercedes-Benz Maybach GLS 600 at $3,338 per year, a difference of $1,526 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 Subaru Impreza, costing an average of $1,454 per year. Second place is the Volkswagen Jetta at $1,604 per year, ranking third is the Subaru Legacy, at an average of $1,618 per year, and fourth place goes to the Nissan Sentra, at an average of $1,630 per year.

Not the cheapest, but still very affordable, are cars like the Toyota Prius, Kia K5, Volkswagen Golf, and Mazda 3, with average annual insurance rates of $1,692 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 $121 per month, depending on your location.

The cheapest non-luxury compact car to insure in Milwaukee is the Subaru Impreza at $1,454 per year. For midsize models, the Subaru Legacy is cheapest to insure at $1,618 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,714 per year.

The next table ranks the twenty cars with the lowest-cost average insurance rates in Milwaukee, starting with the Subaru Impreza at $1,454 per year and ending with the Volkswagen Arteon at $1,840 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 Subaru Crosstrek, Honda Passport, Nissan Kicks, Nissan Rogue Sport, and Chevrolet Trailblazer. Car insurance prices for these vehicles average $1,370 or less per year.

Not the cheapest in the list, but still ranking well, are models like the Subaru Ascent, Mazda CX-5, Buick Envision, and Kia Seltos, with average rates of $1,428 per year or less.

Car insurance rates for this segment in Milwaukee will start around $111 per month, depending on the company.

If ranked by vehicle size, the lowest-cost non-luxury compact SUV to insure in Milwaukee is the Chevrolet Trailblazer at $1,328 per year. For midsize SUVs, the Honda Passport has the best rates at $1,366 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,646 per year.

The comparison table below ranks the twenty SUVs with the cheapest auto insurance rates in Milwaukee, starting with the Chevrolet Trailblazer at $111 per month and ending with the Chevrolet Trax at $126 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 Ford Maverick, coming in at $1,456 per year. Second place is the Chevrolet Colorado at $1,462 per year, in third place is the Nissan Frontier, at an average of $1,516 per year, and coming in fourth is the Ford Ranger, costing an average of $1,558 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the Honda Ridgeline, Toyota Tacoma, Hyundai Santa Cruz, and Ford F150, with an average car insurance cost of $1,786 per year or less.

Auto insurance rates in Milwaukee for this segment can cost as low as $121 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 Ford Maverick at $1,456 per year and ending with the Nissan Titan XD at $1,960 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 Audi TT, Mazda MX-5 Miata, Subaru WRX, Ford Mustang, and BMW Z4. Car insurance rates for these vehicles average $1,940 or less per year, or around $162 per month.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Nissan Z, Toyota GR Supra, Toyota GR86, and Subaru BRZ, with an average cost of $2,118 per year or less.

Auto insurance rates in this segment for an average middle-age driver will start around $135 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 $135 per month and ending with the Lexus LC 500 at $220 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 $1,578 per year. Second place is the BMW 330i at $1,784 per year, the third most affordable is the Acura TLX, costing an average of $1,812 per year, and ranking fourth is the Cadillac CT4, costing an average of $1,834 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are cars like the Lexus ES 350, BMW 330e, Lexus ES 250, and Cadillac CT5, with average rates of $1,908 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Audi S3, BMW 230i, Audi A3, Volvo S60, and Mercedes-Benz AMG CLA35 cost between $1,908 and $1,960 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 $132 per month, depending on the company.

The cheapest compact luxury car to insure in Milwaukee is the Acura Integra at $1,578 per year. For midsize luxury cars, the Cadillac CT5 is cheapest to insure at $1,888 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $1,970 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 $132 per month and ending with the Volvo S60 at $163 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 $1,468 per year. Second place is the Lexus RX 350 at $1,572 per year, and the third cheapest is the Cadillac XT4, at an average of $1,584 per year.

Additional luxury SUVs that rank well are the Mercedes-Benz GLA250, Lexus UX 250h, Cadillac XT5, and Mercedes-Benz GLB 250, with average cost of $1,710 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, SUVs like the Lincoln Corsair, Lexus NX 350h, Lincoln Nautilus, Lexus NX 250, and BMW X1 cost between $1,710 and $1,790 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 $122 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 $1,468 per year, or $122 per month. For midsize luxury SUVs, the Lexus RX 350 is cheapest to insure at $1,572 per year, or $131 per month. And for large luxury SUVs, the Volvo XC90 is the cheapest model to insure at $1,812 per year, or $151 per month.

The table below ranks the twenty luxury SUVs with the lowest-cost insurance in Milwaukee, starting with the Acura RDX at $1,468 per year and ending with the Mercedes-Benz GLC300 at $1,790 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 $276 per year over a slightly lower credit rating between 670-739. Conversely, a mediocre credit score could cost up to $320 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 $462 per year.
• Consider raising your deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 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 $816 per year for a 30-year-old driver and even as much as $534 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 $53 and $177 on your yearly auto insurance bill, depending on the age of the driver.