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Last updated: November 4, 2025Best Cheap Car Insurance in Milwaukee of 2025
USAA and GEICO are among the cheapest and highly rated auto insurance providers in Milwaukee.
Best for Military/Veterans
Editor's Rating:5/5
Average Cost in Milwaukee
- Full Coverage Monthly: $85
- Minimum Coverage Monthly: $41
Cheapest
Editor's Rating:4.2/5
Average Cost in Milwaukee
- Full Coverage Monthly: $127
- Minimum Coverage Monthly: $57
Best for Local Agents
Editor's Rating:4.5/5
Average Cost in Milwaukee
- Full Coverage Monthly: $127
- Minimum Coverage Monthly: Data unavailable
Key Takeaways
- At $1,678 per year, on average, full coverage auto insurance in Milwaukee is more expensive than the Wisconsin average of $1,491. Minimum coverage is also pricier than the state average.
- On average, the cheapest provider in Milwaukee is USAA. However, it is available only to members of the military, veterans and their families. GEICO, West Bend Mutual, and Erie also offer a good balance of price and service. State Farm’s rates are competitive for drivers with certain violations.
- Which company is best for you depends on several factors, including your age, ZIP code, vehicle and driving history. Get car insurance quotes from at least three companies to find the best rates.
Our Top Picks for the Best Cheap Auto Insurance in Milwaukee
- Best for Military/Veterans: USAA
- Cheapest: GEICO
- Best for Local Agents: West Bend Mutual
- Best for Customer Satisfaction: Erie
- Best for High-Risk Drivers: State Farm
Compare the Best Cheap Auto Insurance in Milwaukee
| Company | Full coverage annual average | Minimum coverage annual average | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,025 | $488 | Above average* |
| GEICO | $1,519 | $686 | Above average |
| West Bend Mutual | $1,519 | Data unavailable | Not rated |
| Erie | $1,621 | $774 | Above average |
| State Farm | $1,757 | $639 | Above average |
| Milwaukee | $1,678 | $725 | – |
*Due to its eligibility restrictions, USAA technically doesn’t qualify to rank on the J.D. Power studies.
Detailed List of the Best Cheap Providers in Milwaukee
1. Best for Military/Veterans - USAA
What We Like Most:
- Policies designed with military needs in mind
- Cheap rates
- Excellent customer service
Why we chose it
USAA often ranks highly on our best provider lists, so it’s no surprise that the company received high marks in Milwaukee. In addition to having low prices, USAA has a reputation for excellent customer satisfaction. Although its limited availability technically makes it ineligible for J.D. Power’s studies, USAA has the highest customer satisfaction score in the North Central region.
Who it’s best for
USAA is a great option for those affiliated with the military, including active servicepeople, veterans and their families. If you meet this qualification, USAA is a great place to start your search for insurance. If not, you’ll have to look elsewhere.
USAA Milwaukee Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $85 | $41 |
| Annually | $1,025 | $488 |
| Difference from Milwaukee average | -39% | -33% |
2. Cheapest - GEICO
What We Like Most:
- Low rates and a wide range of discounts
- Easy online quotes
- Affordable rates for drivers with low credit
Why we chose it
One of the best-known insurance providers in the U.S., GEICO is a solid, balanced pick for Milwaukee drivers. After USAA, it’s the major insurer with the cheapest full coverage auto insurance in Milwaukee. Some smaller insurers, like Integrity Mutual, have cheaper average rates but less-extensive third-party satisfaction ratings. GEICO also has lower-than-average rates for minimum coverage.
Who it’s best for
GEICO is best for nonmilitary drivers in Milwaukee who want low rates from a solid, established insurance company. It’s also a good choice for drivers with low credit — its average rates in Wisconsin for drivers in this category is cheaper than competitors at $172 monthly.
GEICO Milwaukee Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $127 | $57 |
| Annually | $1,519 | $686 |
| Difference from Milwaukee average | -9% | -5% |
3. Best for Local Agents - West Bend Mutual
What We Like Most:
- Headquartered in Wisconsin
- Gap insurance
- Local expertise and personalized service
Why we chose it
Named for West Bend, a town just outside Milwaukee, West Bend Mutual is a great, locally based choice for Milwaukee-area auto insurance. Although it’s not featured on the J.D. Power studies, other reliable third-party studies attest to relatively few complaints and exceptional claims handling. Its full coverage rates are on par with GEICO’s and cheaper than the Milwaukee average. It also offers gap insurance, which many smaller providers don’t.
Who it’s best for
West Bend is a good choice for drivers who are interested in a responsive, regionally based provider. Although it’s not as cheap as some alternatives, research by consumer advocates and insurance industry groups ranks West Bend Mutual highly. Policies are sold through local independent agents, so it’s best for customers who prefer to shop with a human being rather than online.
West Bend Mutual Milwaukee Pricing
| West Bend Mutual | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $127 | Data unavailable |
| Annually | $1,519 | Data unavailable |
| Difference from Milwaukee average | -9% | Data unavailable |
LEARN MORE:
If you want more information on the third-party surveys and studies we use, see the links we’ve provided in the footnotes. Sources like J.D. Power and CRASH Network provide consumers with useful, independent information on insurance providers.
4. Best for Customer Satisfaction - Erie
What We Like Most:
- First place for customer satisfaction in the North Central region
- Particularly excellent claims handling
- Competitive rates for teen drivers and high-risk drivers in Wisconsin
Why we chose it
Although Erie is not our cheapest pick, it stands out for its outstanding customer service and still has rates slightly under the Milwaukee average for full coverage. Erie has ranked first for customer satisfaction in the North Central region for five consecutive years, which shows it has consistently delivered excellent service. According to sources like J.D. Power and CRASH Network, Erie’s claims handling, in particular, is exceptionally high-quality. It also ranks highly on general customer satisfaction surveys.
Who it’s best for
Erie is a standout for Milwaukee drivers who appreciate great customer service and claims handling. The company tends to target the preferred-risk driver market, meaning its rates are most competitive (compared to other insurers) for drivers who plan to purchase full coverage. That said, Erie’s average rates are still some of the lowest in Wisconsin for teen drivers and drivers with a DUI, accident or speeding ticket on their record.
Erie Milwaukee Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $135 | $65 |
| Annually | $1,621 | $774 |
| Difference from Milwaukee average | -3% | +7% |
5. Best for High-Risk Drivers - State Farm
What We Like Most:
- Lower-than-average rates for high-risk drivers
- High ratings for customer service
- Highly rated mobile app
Why we chose it
State Farm tends to offer below-average rates for high-risk auto insurance. The company ranks above average in J.D. Power’s studies for both overall customer satisfaction in the North Central region and claims satisfaction nationwide. State Farm also offers a wide range of discounts, including savings for students, safe driving, and policy bundles.
Who it’s best for
State Farm is best suited for drivers who are considered high risk, as well as for those who don’t mind paying a little extra for quality customer service. In particular, if you have a violation on your record but tend to drive safely overall, State Farm’s telematics discount Drive Safe & Save can help you lower your premium despite your record. If you have a DUI, accident or speeding ticket on your record in Wisconsin, it’s worth getting a quote from State Farm.
State Farm Milwaukee Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $146 | $53 |
| Annually | $1,757 | $639 |
| Difference from Milwaukee average | +5% | -12% |
Milwaukee Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central region1 | CRASH Network Insurer Report Card2 | J.D. Power Auto Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| USAA | 728* | D+ | 726* | 1.22 |
| GEICO | 651 | C- | 692 | 1.95 |
| West Bend Mutual | Not rated | B | Not rated | 0.43 |
| Erie | 684 | A- | 733 | 1.14 |
| State Farm | 646 | C- | 710 | 2.16 |
| Average | 643 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA technically doesn’t qualify to rank on the J.D. Power studies.
Cheapest Full Coverage Car Insurance in Milwaukee
For nonmilitary drivers, Integrity Mutual, GEICO, and West Bend Mutual have the cheapest average full coverage rates in Milwaukee. Military members, veterans and their families are eligible for USAA, which is slightly cheaper.
| Company | Monthly Milwaukee average | Annual Milwaukee average |
|---|---|---|
| USAA | $85 | $1,025 |
| Integrity Mutual | $98 | $1,181 |
| SECURA | $107 | $1,279 |
| GEICO | $127 | $1,519 |
| West Bend Mutual | $127 | $1,519 |
| American Family | $132 | $1,581 |
| Auto-Owners | $133 | $1,597 |
| Safeco | $134 | $1,613 |
| Erie | $135 | $1,621 |
| State Farm | $146 | $1,757 |
| Progressive | $167 | $2,001 |
| Travelers | $169 | $2,022 |
| Nationwide | $172 | $2,069 |
| Chubb | $194 | $2,333 |
| Allstate | $239 | $2,868 |
| Milwaukee average | $140 | $1,678 |
| Wisconsin average | $124 | $1,491 |
| U.S. average | $200 | $2,399 |
FYI:
Full coverage refers to a policy that includes several coverage types, including liability insurance, comprehensive and collision coverage, and more. An agent can help you determine how much insurance you need and how you might be able to save on your policy.
Cheapest Minimum Coverage Car Insurance in Milwaukee
According to our research, Integrity Mutual is the cheapest provider of minimum coverage car insurance; it even beat USAA. If not for a lack of reliable third-party reviews, Integrity would have made our top cheap providers list. Its prices are the lowest available to general consumers, and the sole third-party review we were able to track down — from the National Association of Insurance Commissioners (NAIC) Complaint Index, which measures the number of consumer complaints relative to market share — was much better than average. Although the evidence isn’t quite where we need it to be for a full endorsement, by all accounts available, Integrity seems to be a solid pick.
| Company | Monthly Milwaukee average | Annual Milwaukee average |
|---|---|---|
| Integrity Mutual | $26 | $306 |
| USAA | $41 | $488 |
| State Farm | $53 | $639 |
| GEICO | $57 | $686 |
| Progressive | $62 | $745 |
| American Family | $63 | $756 |
| Erie | $65 | $774 |
| Travelers | $93 | $1,120 |
| Allstate | $120 | $1,441 |
| Milwaukee average | $60 | $725 |
| Wisconsin average | $40 | $484 |
| U.S. average | $53 | $635 |
How Many Car Accidents Happen in Milwaukee?
According to the Milwaukee County Motor Vehicle Collision Dashboard,5 there were about 16,500 car accidents in the city of Milwaukee in 2024, including 64 fatal crashes. This number is lower than in recent years; in 2021, for example, there were about 19,500 collisions, although the dashboard reports that the statistics for 2024 are still being finalized.
In 2023, the Milwaukee Journal Sentinel reported that the two most dangerous intersections in the city were the intersection of West Fond du Lac Avenue, Capitol Drive and 51st Boulevard, and the intersection of Fond du Lac Avenue, West Center Street and North 27th Street.6 It appears these roads haven’t gotten much better since then — according to the dashboard, the three most dangerous streets for collisions are West Fond du Lac Avenue, West Center Street, and North 27th Street.
Minimum Auto Insurance Requirements in Wisconsin
To drive legally in Wisconsin, you must carry liability coverage with the following minimum limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident7
It’s up to individuals to decide whether minimum coverage is enough.
Frequently Asked Questions
Yes. If you drive regularly (through renting or borrowing a car, for example) but you don’t own your vehicle, it might be worth looking into non-owner auto insurance. It’s usually cheaper than insurance for car owners, and many of the providers listed above offer non-owner auto insurance options. If you live with someone who owns the car you’re borrowing, they should add you as a driver on their insurance policy instead.
The auto insurance prices cited above are averages, so you may wind up paying more or less depending on a number of factors, including your age, your driving history, and the value of the car you drive. The best way to secure a competitive quote is to speak with an agent, because they will help secure auto insurance discounts you might be missing.
Gap insurance (short for “guaranteed asset protection insurance”) covers the difference between your car’s depreciated value and the amount you owe on your car in the event of a total loss. If you recently bought your car, for example, you might owe $30,000 on it, but due to depreciation, it might be worth only $20,000 (your insurance payout), leaving you on the hook for $10,000. Gap insurance would cover the difference (minus your deductible). Not every driver needs gap insurance, but in certain situations (for example, if you recently bought a new car, you lease a vehicle, you put down less than 10 percent, or you have a particularly long financing plan), gap insurance might be worth it.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Milwaukee, Wisconsin, for good drivers with good credit. Full coverage averages used the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources such as AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance, rideshare coverage and more.
Read more about our ratings and methodology.
Staff Writer
Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J. Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/bout-milwaukee/college-town/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmMilwaukee County Motor Vehicle Collision Dashboard. Milwaukee County. (2025).
https://experience.arcgis.com/experience/a3addf03ee3c41c4abfe2c480fdd2d20/page/Crash-TrendsThese 14 Milwaukee intersections have seen the most car crashes in a year. Milwaukee Journal Sentinel. (2023, May 17).
https://www.jsonline.com/story/news/2023/05/17/14-milwaukee-intersections-with-most-car-accidents-a-year/70225504007/Minimum insurance requirements. State of Wisconsin Department of Transportation. (2025).
https://wisconsindot.gov/pages/dmv/license-drvs/rcd-crsh-rpt/auto-insurance.aspx
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