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The Best Car Insurance in Milwaukee

We’ve rounded up the best auto insurance options in Cream City.

Best in Milwaukee Overall
Allstate Logo 2023

Our top pick for auto insurance providers in Milwaukee, Wisconsin, is Allstate, due to its strong coverage and discount options. It has an A+ financial strength rating from AM Best, so you can also count on its ability to pay for claims.

Best for Comparing Your Options in Milwaukee
Guide Solutions Logo

For those who want to shop the auto insurance market, Guided Solutions is our choice. It’s an insurance broker that helps you compare insurance companies. You’ll work with a human being — rather than a bot — to find a provider that fits your needs.

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Milwaukee is the largest city in Wisconsin and home to more than half a million licensed drivers. Auto insurance rates in Wisconsin tend to be lower than in other states; however, as is the case in many cities, car insurance in Milwaukee is higher than the Wisconsin state average, due to higher rates of theft and accidents.

Whether you’re commuting along Lake Michigan’s shoreline or exploring the city’s vibrant neighborhoods, finding the right coverage is key. Below, we dive into the top insurance companies in Milwaukee, helping you find the best provider for your needs at a price that fits your budget.

Summary of the Best Auto Insurance in Milwaukee

  1. 1.

    Best Auto Insurance in Milwaukee Overall: Allstate

  2. 2.

    Best Auto Insurance for Comparing Your Options in Milwaukee: Guided Solutions

  3. 3.

    Best Auto Insurance for Full Coverage in Milwaukee: State Farm

  4. 4.

    Best Auto Insurance for Military and Veterans in Milwaukee: USAA

Comparison of the Best Auto Insurance in Milwaukee

Company What it’s best for Pay-per-mile available Number of locations/agents in Milwaukee J.D. Power regional customer satisfaction score (out of 1,000)1 Review
Allstate Overall Yes 4 822 Allstate review
Guided Solutions Comparing your options N/A N/A N/A Coming soon
State Farm Full coverage No 6 837 State Farm review
USAA Military and veterans Yes Information not available 878 USAA review

Detailed List: The Best Car Insurance Companies in Milwaukee

1. Best Auto Insurance in Milwaukee Overall - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

With 29.6 million personal auto policies in force, Allstate insures nearly 11 percent of private vehicles in the U.S.2 The company has nearly 30 locations in Wisconsin, including four specifically in Milwaukee. We like it for its range of policy and coverage options, and its homeowner and student discounts.

ProsWho It's Best For
  • pro
    Milwaukeeans who drive fewer than 10,000 miles annually
  • pro
    Students and their families
  • pro
    Rideshare drivers
  • pro
    Milwaukee residents who are homeowners
ConsWho It's Not Best For
  • con
    Drivers with an at-fault crash on their record
  • con
    Consumers who prioritize customer satisfaction, as Allstate scores slightly below average

Good Student Discount

Milwaukee is home to 11 colleges and universities, including the University of Wisconsin-Milwaukee.

FUN FACT:

With 100,000 students living in Milwaukee, the city has one of the highest ratios of college students per capita in the U.S.3

Allstate’s student discount can help college students and their families save on auto insurance. To qualify, drivers must be unmarried, under the age of 25, and fulfill just one of the following requirements:

  • Maintain at least a 2.7 GPA/B- grade average (most companies require a 3.0 GPA/B average)
  • Complete the teenSMART online driver education program (offered to Allstate customers at just under $70, a $50 discount from the standard price)
  • Attend school at least 100 miles away from where the car is garaged

Coverage for Rideshare Drivers

When you’re driving for Lyft, Uber, DoorDash, Grubhub, or a similar delivery service, the rideshare company’s insurance doesn’t kick in until you’ve picked up a passenger or order. During the period when you’re waiting to match with a ride or en route to a pickup, your personal auto insurance doesn’t provide coverage, leaving a potential gap in your protection.

Allstate’s rideshare coverage, called Ride for Hire, bridges this gap by protecting you when neither the TNC policy nor your personal policy would be applicable. It also covers the high TNC policy deductibles, offering financial protection of up to $2,500.

Rideshare stage Personal auto policy Transportation network coverage (Lyft, Uber, etc.) With Allstate rideshare coverage
Offline (driving your vehicle for personal use) Your existing Allstate policy is protecting you Not applicable Not applicable
App is on and you’re waiting to match with a ride Your personal Allstate policy likely does not cover you Limited coverage Provides extra coverage not included in your personal policy or the rideshare company’s
Accepted trip or transporting a passenger Your personal Allstate policy likely does not cover you Covered, though often with high deductibles Up to $2,500 in deductible gap coverage

TIP:

Uber has the following vehicle requirements for rideshare drivers in Milwaukee:4

  • 16 years old or newer
  • 4 doors
  • Good condition and no cosmetic damage
  • No commercial branding
  • Official or temporary registration (does not have to be registered in your name to qualify)

Lyft’s vehicle requirements in Milwaukee are similar:5

  • 2009 model or newer
  • 4 doors
  • 5 to 8 seats, including the driver’s
  • Not a taxi, stretch limousine, or non-Express Drive rental vehicle
  • Not titled as salvage, non-repairable, rebuilt, or any other equivalent classification

Save Money With Pay-Per-Mile Insurance

Oftentimes, living in the city means less driving, whether that’s because you take public transportation, bike, or walk. If you drive fewer than 10,000 miles per year, you might save money with a pay-per-mile auto insurance plan. The following groups tend to drive less than average:

  • Stay-at-home parents
  • People who commute on public transportation
  • Retirees
  • People who work from home (or near home)

Wisconsin is one of 21 states in which Allstate offers its pay-per-mile option, Milewise. With Milewise, you pay a base daily rate for auto insurance, plus a per-mile rate. For example, if your daily base rate is $1.50, your per-mile rate is $0.07, and you drive 10 miles, your cost for that day would be $2.20. Allstate tracks your mileage with a device you plug into your car, paired with its mobile app.

A few details to note:

  • Allstate won’t charge you for more than 250 miles per day, so if you go on a road trip, you won’t pay for mileage over this daily limit.
  • The same coverage and claims support is available with Milewise as a traditional Allstate policy.
  • If you have multiple vehicles on the same policy, you can choose which to designate as pay-per-mile and which to designate as traditional unlimited mileage.
2. Best Auto Insurance for Comparing Your Options in Milwaukee - Guided Solutions
Guide Solutions Logo

Guided Solutions is an insurance broker that specializes in helping customers shop for multiple types of insurance, including car insurance. For those who want to compare multiple options in the Milwaukee auto insurance market, Guided Solutions is a good choice. The company is part of Baldwin Risk Partners, an insurance distribution holding company.

ProsWho It's Best For
  • pro
    Customers seeking insurance guidance
  • pro
    Those looking to compare rates from multiple insurance companies
  • pro
    Business owners or individuals with complex insurance needs
  • pro
    People who prefer to work with human brokers rather than algorithms
ConsWho It's Not Best For
  • con
    Individuals who prefer dealing directly with insurance companies
  • con
    People who want to shop quotes online

Insurance Broker Services

An auto insurance broker is a professional intermediary who helps individuals find car insurance policies by comparing offerings from various insurance companies and providing personalized recommendations based on their needs and preferences.

It’s a particularly good option for those with complicated insurance needs who require specialized policies and coverage options — for example, business owners, frequent travelers, luxury vehicle drivers, and residents of high-risk areas.

Additionally, one of the best ways to save on auto insurance is to compare quotes from multiple companies (usually at least three). Guided Solutions helps take the legwork out of this process by gathering quotes for you.

Here’s how it works:

  1. You share details about yourself and your vehicle, such as your name, address, and the make and model of your car.
  2. Guided Solutions shops for coverage that meet your needs, and a representative reaches out to explain your options.
  3. You pick the policy of your choosing, and Guided Solutions helps you purchase it. From then on, you work directly with the insurance company for billing, claims, etc.

Work With a Live Broker

Guided Solutions stands out in that you will work with a human broker rather than a bot or an algorithm. Working with a human broker offers a personalized touch that algorithms often can’t replicate. Brokers provide expert guidance tailored to specific situations, understanding nuances that algorithms might miss. They can address complex insurance needs, offer customized solutions, and provide advice on coverage options.

Human brokers also excel in explaining intricate policy details and guiding customers through the often-confusing insurance landscape. Their ability to provide individualized attention and human empathy makes them an excellent choice for those seeking comprehensive, tailored insurance solutions and a more nuanced understanding of their coverage.

Multiple Policy Options

In addition to cars, Guided Solutions helps customers shop for insurance for the following types of vehicles:

  • Motorcycles
  • Boats
  • RVs
  • ATVs and UTVs
  • Golf carts

Furthermore, Guided Solutions extends its expertise beyond vehicles. For homeowners, renters, and condo owners, the company offers tailored insurance plans that safeguard your residence and personal belongings against unforeseen events. In the face of rising climate-related risks, Guided Solutions also offers comprehensive flood insurance, ensuring that your property is shielded against flood damages.

3. Best Auto Insurance for Full Coverage in Milwaukee - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

Founded in 1922, State Farm is the largest auto insurance provider in the country. Its low rates, track record for customer satisfaction, and easy claims process make it a good choice for Milwaukeeans who want to purchase full coverage. The company also has strong ratings for customer satisfaction and financial strength.

ProsWho It's Best For
  • pro
    People planning to purchase full coverage
  • pro
    Customers looking for many discount options
  • pro
    People who own RVs or boats
  • pro
    Drivers with an at-fault accident on their record
ConsWho It's Not Best For
  • con
    Milwaukeeans looking for a pay-per-mile plan
  • con
    People who need gap insurance

Full Coverage at Good Rates

With an average annual rate of $1,380 ($115 monthly) for full coverage in Milwaukee, State Farm is one of the most affordable, most widely available providers in the city.

State Farm offers the following coverages:

  • Bodily injury and property damage liability
  • Collision and comprehensive
  • Rental reimbursement and travel expenses
  • Uninsured/underinsured motorist
  • Medical payments
  • Emergency roadside assistance
  • Rideshare protection
  • Classic car

A larger population translates into higher rates of accidents and theft; in fact, the Wisconsin Department of Transportation reports that more crashes occur in Milwaukee County than anywhere else in the state.6 That’s why, depending on your financial situation and the value of your car, purchasing full coverage is usually a wise move. In the event of an accident, it covers not only the other party’s losses, but also injuries and damages to you, your passengers, and your vehicle. (Unlike full coverage, liability pays for the other party’s losses only.)

Range of Discounts

One of the best ways to lower your auto insurance premium is to apply discounts. State Farm offers the following discounts to customers in Wisconsin, including MIlwaukee:

Discount How to qualify
Accident-free Insure your car with State Farm for three years without an at-fault accident.
Drive Safe & Save Track your driving with a beacon in your car. Save 5% for enrolling and up to 30% at your next policy renewal.
Good driving Maintain a record free of at-fault accidents and moving violations for three years.
Good student For drivers who are under age 25 and are full-time students, maintain a 3.0 GPA (B average). Drivers who have earned an associate’s or bachelor’s degree may also be eligible.
Multi-vehicle Insure two or more vehicles in the same household on the same policy.
Multi-policy Buy a home, renters, condo, life, or health policy from State Farm in addition to auto insurance.
Passive restraint For 1993 and older vehicles, ensure the vehicle has a factory-installed air bag or other passive restraint system that meets federal safety standards.
Steer Clear For drivers under age 25:

  • Maintain a record free of at-fault accidents and moving violations for the past three years.
  • Complete State Farm’s Steer Clear driver education program (includes watching instructional videos and tracking driving experiences).
Student away at school For drivers under age 25:

  • Attend and live at school at least 100 miles from home.
  • Drive the car only while home during school vacation or holidays.
  • Keep the car at home while attending school.
Vehicle safety For 1994 and newer vehicles, you can get a discount based on the vehicle’s safety ratings.

RV and Boat Insurance

For those times you need to get out of the city and spend a little time in nature, Wisconsin’s State Park system is home to over 6,000 campsites.7 State Farm offers coverage for RVs, boats, and more so you can enjoy your leisure with peace of mind.

State Farm sells insurance for recreational vehicles, such as travel/camper trailers, offering protection in case of fire, storms, theft, collision, and other risks. This includes the following:

  • Bodily injury to you or someone else caused while towing your trailer (extended from towing vehicle liability coverage)
  • Damage to your trailer sustains in an accident
  • Theft, fire, vandalism, and other covered losses, even if you’re storing your trailer
  • Emergency roadside service in the event of a breakdown
  • Option to add personal articles policy to protect items such as cameras, bicycles, fishing equipment, golf clubs, and jewelry in your trailer

For those who enjoy taking their recreation onto waters like Lake Michigan, State Farm insures the following types of boats:

  • Runabouts/sport boats
  • Cruisers/yachts
  • Sailboats
  • Bass/fishing boats
  • Jet skis
  • Houseboats
  • Kayaks/canoes

Purchasing this coverage will protect your boat from potential damage and loss due to common risks like sinking, fire, storms, theft, and collisions. Typically, the coverage includes the boat hull, its motor(s), specified boat equipment, and the trailer if you specifically request it.

4. Best Auto Insurance for Military and Veterans in Milwaukee - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

Thousands of active service members and their families live in Milwaukee, and about 5 percent of Milwaukee’s residents are veterans.8 USAA sells financial services, including auto insurance, to individuals affiliated with the U.S. military and is known for having good rates. We also like it for its exceptional customer satisfaction and claims-handling scores.

ProsWho It's Best For
  • pro
    Military members, veterans, and their families
  • pro
    Milwaukeeans looking for pay-per-mile insurance
  • pro
    Classic car owners
  • pro
    Safe drivers
ConsWho It's Not Best For
  • con
    People not affiliated with the U.S. military
  • con
    Drivers with a DUI

High-Quality Coverage and Customer Satisfaction

With an average annual cost of $834 for full coverage in Milwaukee (about $70 monthly), USAA is often the cheapest option for insurance in the city. It offers the following auto insurance coverage options:

Coverage What it pays for
Bodily injury and property damage liability Physical injuries and property damages the other party sustains in an accident
Uninsured/underinsured motorist Injuries you and your passengers sustain, and damages to your vehicle, if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance
Medical payments Injuries to you and your passengers, regardless of who caused the accident
Comprehensive and collision Damages to your vehicle in the event of an accident, theft, bad weather, hitting an animal, and other incidents
Roadside assistance Towing to the nearest repair shop, winching for a stuck vehicle, jump-starts for dead batteries, fuel delivery (cost of fuel not included), lockouts, flat-tire changes (must have spare)
Rental reimbursement Cost of a rental car if your car is in the shop due to a covered loss
New- or better-car replacement An additional 20% on top of the actual cash value of your vehicle in the event of a total loss

USAA consistently holds the highest ratings from J.D. Power for customer satisfaction, indicating that USAA customers are happy with the company’s:

  • Billing process and policy information
  • Claims process
  • Customer service interactions
  • Policy offerings
  • Prices

Usage-Based Option

USAA offers usage-based insurance in 15 states, including Wisconsin. It works with Noblr, a USAA company, to issue these policies.

All drivers will need to download and set up the app on their smartphone. Each month, you’ll pay a fixed rate, plus a variable rate depending on the following factors:

  • Mileage
  • Braking and accelerating behavior
  • Phone use behind the wheel (hands-free is OK)
  • Late-night driving

You can get the following coverage with a usage-based policy. Additional options may be available. Check with your USAA agent.

  • Bodily injury
  • Property damage
  • Uninsured motorist bodily injury
  • Comprehensive
  • Collision
  • Rental car reimbursement
  • Roadside assistance

TIP:

If no one is using your vehicle while you’re deployed (or for another reason), you can get a discount of up to 60 percent for putting it into storage.

Many Policy Offerings

In addition to auto insurance, USAA also sells policies to protect other types of vehicles, including:

  • Motorcycles
  • ATVs
  • RVs and motorhomes
  • Boats and other personal watercraft
  • Classic and collector cars
  • Bicycles and e-bikes
  • Aircraft (including commercial drones)

Additionally, you can save up to 10 percent when you insure both your car and property with USAA. The company offers the following types of property insurance:

  • Renters, home, mobile home, and condo
  • Rental property (for landlords)
  • Valuable personal property
  • Flood
  • Umbrella
  • Farm and ranch
  • Collectibles
  • Windstorm
  • High-value home

Methodology

To identify the best auto insurance providers in Milwaukee, we took a comprehensive, three-part approach:

  • Company information analysis: We examined each company’s car insurance offerings, diving into details about coverages and discounts in Milwaukee. To ensure a well-rounded evaluation, we factored in third-party assessments from organizations like AM Best, the Better Business Bureau, J.D. Power, Moody’s, the National Association of Insurance Commissioners, and Standard & Poor’s.
  • Proprietary data insights: With a wealth of experience spanning over two decades, AutoInsurance.com has gathered millions of transaction data points. By analyzing this vast data set, we identified patterns of success among customers in Milwaukee with different insurance providers. This detailed analysis allowed us to match specific companies with particular customer demographics, streamlining the selection process..
  • Leveraging institutional knowledge: Our expertise in the auto insurance industry, honed over years of dedicated coverage, is complemented by the insights of Paul Ford, president of insurance at Centerfield, the parent company of AutoInsurance.com. Drawing from his extensive background in the insurance sector, including roles at renowned organizations like Capital One Insurance Services and Bankrate, Paul has been instrumental in guiding readers toward their ideal insurance policies.

Frequently Asked Questions

How much does car insurance cost in Milwaukee?

The average cost of car insurance in Milwaukee is $840 annually for minimum coverage and $1,587 annually for full coverage. Exactly how much you pay will depend on several factors, including:

  • Age
  • Coverages
  • Type of vehicle
  • ZIP code
  • Credit score

On average, people in Milwaukee pay about 30 percent more for minimum coverage and 50 percent more for full coverage than the Wisconsin average.

What car insurance do you need in Wisconsin?

In Wisconsin, you need the following car insurance at a minimum:

  • $25,000 bodily injury liability per person/$50,000 per accident
  • $10,000 property damage liability
  • $25,000 uninsured motorist (UIM) bodily injury per person/$50,000 per accident

If you fail to provide proof of insurance at a traffic stop or accident, you could face a fine up to $500. If you provide fraudulent proof of insurance, you face a fine up to $5,000. The state does not require that you show proof of insurance for trailers or semi-trailers.

Is Wisconsin a no-fault state?

No, Wisconsin is not a no-fault state. Wisconsin has a tort system, meaning the person who is at fault for the crash has to pay for all the damages incurred in the accident. This can include medical costs, lost income, other out-of-pocket expenses, physical pain, and emotional suffering.

Being at-fault for an accident can have serious financial consequences. Increasing your liability limits usually adds only a few dollars to your monthly premium, and will protect your assets in the event of a serious accident.

Does car insurance usually follow the car or the driver in Wisconsin?

Car insurance follows in the car in Wisconsin. If someone else drives your car (with your permission) and is involved in an accident, your insurance typically will cover the damages to your vehicle and liability for injuries or damages to third parties.

If someone frequently drives your car and is not listed on your insurance policy, it’s important to inform your insurance company. Insurance policies can vary, and some may require you to add regular drivers to the policy to ensure proper coverage. If an undisclosed or unlisted driver gets into an accident, your insurance claim might be denied if the insurance company was not aware of this regular driver.

Citations

  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J. Power. (2023, Jun 13).
    https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study

  2. Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2022).
    https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings

  3. A Hub for Higher Education. Visit Milwaukee. (2023).
    https://www.visitmilwaukee.org/about-milwaukee/college-town/

  4. Vehicle requirements in your country. Uber. (2023).
    https://www.uber.com/us/en/drive/requirements/vehicle-requirements/?city=milwaukee

  5. Wisconsin Driver Information. Lyft. (2023).
    https://help.lyft.com/hc/en-us/all/articles/115012924007-Wisconsin-Driver-Information

  6. Final year-end crash statistics by county. State of Wisconsin Department of Transportation. (2023).
    https://wisconsindot.gov/Pages/about-wisdot/newsroom/statistics/final-county.aspx

  7. CAMPING AND RESERVATIONS. Wisconsin Department of Natural Resources. (2023).
    https://dnr.wisconsin.gov/topic/parks/camping

  8. Veteran Population. Health Compass Milwaukee. (2023).
    https://www.healthcompassmilwaukee.org/indicators/index/view?indicatorId=5329&localeId=3140