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Best cheap car insurance companies in Milwaukee
Based on our analysis of average rate data from Quadrant Information Services, we found Travelers, Geico and USAA to be the top three cheapest car insurance providers in Milwaukee. From the information gathered on these companies — financial strength ratings, average rates, coverage availability, customer satisfaction ratings from J.D. Power and more — our team calculated a Bankrate Score for each company on a scale of 1 to 5. The higher a company’s score, the better it performed across these categories. Bankrate Scores can be used as an easy comparison tool to help shoppers more readily identify which car insurance companies might be best for them.
| Insurance company | Bankrate Score | J.D. Power score (North Central) | Average annual premium for full coverage | Average annual premium for minimum coverage |
|---|---|---|---|---|
| Travelers | 4.0 | 818/1,000 | $903 | $366 |
| Geico | 4.4 | 847/1,000 | $929 | $249 |
| USAA* | 4.3 | 891/1,000 | $990 | $276 |
| State Farm | 4.2 | 848/1,000 | $1,012 | $330 |
| Nationwide | 4.0 | 809/1,000 | $1,057 | $417 |
*Not officially ranked with J.D. Power due to eligibility restrictions
Travelers
Although Travelers is not quite available nationwide, it is in 42 states — including Wisconsin — and Washington, D.C. The company offers a broad range of coverage options for Milwaukee drivers. Because Travelers offers several add-ons such as new car replacement and accident forgiveness, customers may find it a good company for personalizing policies. The company also offers a robust list of discounts to help eligible drivers lower their rates.
Learn more: Travelers Insurance review
Geico
Geico offers a wide range of car insurance discounts, making it easy to save, and is available throughout the U.S. While Geico has a robust set of digital tools and mobile apps for policyholder convenience, the company offers fewer coverage options than some competitors. However, extras like its car-buying service through its partnership with TrueCar may add enough benefit for policyholders.
Learn more: Geico Insurance review
USAA
USAA stands out for its low average premiums and long list of discounts. The company gears its policies and services to the military community and is only available to eligible military members and their qualifying families. However, USAA may be an ideal insurer for those who are eligible. USAA is available nationwide and has unique offerings like savings for garaging a vehicle on base.
Learn more: USAA Insurance review
State Farm
State Farm offers the full lineup of standard car insurance options, but also has several types of optional coverage and endorsements to consider, like car rental and travel expense coverage. State Farm maintains an extensive network of local agents and offers several other services for its members, like pet insurance, estate planning, investments and more. While State Farm does maintain a wide network of agents, it does not offer 24/7 customer service.
Learn more: State Farm Insurance review
Nationwide
Nationwide offers a robust array of coverage options on top of standard coverage options, and still comes in considerably below the citywide average. The company offers several useful policy options such as accident forgiveness and a vanishing deductible. Nationwide also partners with Hagerty to provide specialized auto insurance for classic cars.
Learn more: Nationwide Insurance review
Milwaukee insurance requirements
Wisconsin prescribes the following minimum car insurance requirements. Milwaukee is subject to the minimum liability coverage amounts which require every driver to maintain insurance for:
- $10,000 for property damage to third parties;
- $25,000 for the injury or death of one person; and
- $50,000 for the injury or death of more than one person
Additionally, automobile operators and owners must show proof of insurance when law enforcement requests at traffic stops or accidents. A motor vehicle without insurance can lead to fines up to $500.
Most drivers will determine that the above minimums, while satisfying the strict letter of the law, won’t adequately protect them and their families from the significant loss that can come from a serious accident. Therefore, it is important to work with several carriers to obtain and compare quotes for the best coverage to meet all of your needs.
How to get and keep the cheapest car insurance in Milwaukee
Although car insurance in Wisconsin, including Milwaukee, is cheaper than the national average, there are usually several strategies you can use to keep cheap rates. The tactics below are not the only way to save on premiums, but are some of the more accessible and impactful methods when looking for the cheapest car insurance in Milwaukee. The first focuses on how to find cheap car insurance, while the second piece of advice addresses how to keep these low rates.
- Shop around. Experts often recommend shopping around between several cheap car insurance companies to see which will offer you the most affordable rates on the coverage you want. It’s important to select the same types and limits of coverage on each quote for an apples-to-apples comparison. For a good starting point, consider our list of cheapest car insurance companies.
- Pursue discounts. After you have a policy, finding discounts that you are eligible for can help keep your rates low or reduce them even further. Most insurers offer various discounts, but they each have their own requirements and savings amounts. Common discounts include safe driving, bundled policies, safety devices and paid-in-full.
