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Car Insurance in Milwaukee-Waukesha-West Allis

Illustration of van driving by Freeway Insurance headquarters

The Milwaukee-Waukesha-West Allis metro area is a thriving region. Wisconsin’s largest city, known for its downtown Lakefront area, Lake Michigan’s shores, and the architectural marvel Mitchell Park Horticultural Conservatory, is located less than an hour and a half north of Chicago.

Milwaukee is also home to iconic venues, such as the Harley-Davidson Museum, the Milwaukee Art Museum, and the War Memorial Center that commemorates World War II history and veterans. We are also big fans of the Municipal Pier and the Henry Maier Festival Park, a bustling entertainment area.

All in all, the Milwaukee-Waukesha-West Allis metro area and its strategic location have a lot in store for everyone.

Quick Facts

  • The average cost of car insurance in Milwaukee-Waukesha-West Allis is $55 per month*.
  • In 2019, there were 48 reported fatal accidents in Milwaukee.

*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

How Much Is Car Insurance in Milwaukee-Waukesha-West Allis?

On average, car insurance in Milwaukee-Waukesha-West Allis costs $55 per month, which is higher than the national average of $39. Within Wisconsin, the Milwaukee-Waukesha-West Allis metro area’s average monthly rates are on the higher end compared to other places in Wisconsin. The average rate for Wisconsin is $28 per month for the state minimum coverage.

Your exact Wisconsin car insurance depends on several factors, with the most notable factors being age, gender, and zip code of residence.

Some rating factors that impact car insurance cost in Milwaukee-Waukesha-West Allis, Wisconsin include your age, vehicle make and model, yearly mileage, credit history, zip code of residence, and state requirements.

For the highest level peace of mind when driving on Milwaukee metro roads, choose full coverage car insurance with low deductibles and high limits for comprehensive, collision, and property damage. Wisconsin is an at-fault insurance state, which means you will be on the hook to pay for all damages if it is determined you are at fault for an accident.

Milwaukee-Waukesha-West Allis Car Insurance Rates by Zip Code

One major factor in determining your auto insurance rate is your zip code. Some zip codes have a higher population and that comes with a higher incidence of vehicles crimes, such as theft and vandalism. A higher number of accidents in a certain area can cause rates to skyrocket, compared to sparsely-populated areas.

Milwaukee-Waukesha-West Allis has 31 zip codes. Here are the average monthly rates for each zip code based on a male driver aged 30. Your rates may be different based on your age, gender, and the amount of coverage you need.

Zip Code Average Monthly Car Insurance Rate
53186 $39
53188 $38
53189 $37
53202 $53
53203 $54
53204 $56
53205 $60
53206 $65
53207 $49
53208 $57
53209 $59
53210 $60
53211 $51
53212 $59
53213 $50
53214 $48
53215 $55
53216 $64
53217 $49
53218 $62
53219 $50
53220 $49
53221 $49
53222 $52
53223 $55
53224 $55
53225 $55
53226 $49
53227 $48
53228 $47
53233 $55

Milwaukee-Waukesha-West Allis Car Insurance Rates by Age

Age range definitely plays a factor in the average monthly rate paid by Milwaukee-Waukesha-West Allis residents. Younger demographics pay rates higher than people in their 30s and 40s. For example, teenage Milwaukee-Waukesha-West Allis drivers can expect to pay nearly triple the rate as Milwaukee-Waukesha-West Allis drivers in their 60s.

Age Average Monthly Car Insurance Rate
Teenagers $422
20s $125
30s $55
40s $55
50s $55
60s $54
70s $62

Driving Conditions in Milwaukee-Waukesha-West Allis

How Many Fatal Accidents Happen in Milwaukee-Waukesha-West Allis?

In 2019, there were 48 reported fatal accidents in Milwaukee. Of these accidents, 82 vehicles were involved, resulting in 55 total fatalities, with 14 of these accidents involving a DUI.

How Are the Road Infrastructure and Bridges in Milwaukee-Waukesha-West Allis?

The Milwaukee-Waukesha-West Allis metroplex is continually undergoing renovations. One significant effort in recent years has been to expand highways to bring access to underrepresented areas, most notably with the I-43 and the Park East Freeway.

In 2021, the $1 trillion infrastructure bill also promises to deliver much-needed renovations to deteriorating roads and bridges in the state. This includes eliminating Amtrak maintenance backlogs, expanding public transit, and fixing more than 900 bridges known to be structurally deficient, according to the Federal Highway Administration. Other programs will earmark billions towards rebuilding and resurfacing roads in the regions.

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Minimum Car Insurance Requirements in Milwaukee-Waukesha-West Allis

Wisconsin is an at-fault insurance state, meaning all damages are to be paid by the person determined to be the driver who caused the incident. This means that if you only carry the state-mandated minimum amount of liability, you may end up being responsible for a great deal of money for your own damages, as well as those of the other driver above your insurance coverage.

Wisconsin requires every motorist to carry:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $10,000 property damage per accident

Factors Allowed in Milwaukee-Waukesha-West Allis Car Insurance Rates

Wisconsin insurance companies are allowed to consider many factors when setting auto insurance rates for drivers. Many of these factors are used to determine the driver’s risk of filing a claim.

Some of these factors include:

  • Driving record and claims history
  • Physical location
  • Gender
  • Age
  • Marital status
  • Type of vehicle
  • Credit score

Keeping a safe driving record is integral to keeping rates low.

Discounts for Car Insurance in Milwaukee-Waukesha-West Allis

Luckily, there are several ways drivers can save money on car insurance in Milwaukee-Waukesha-West Allis. Always ask your agent what discounts you may be eligible for on your policy. Your discount eligibility may also change with your circumstances. For example, your teen driver may bring home all A’s on his report card. This could earn your family a “good student” discount.

Other discounts include:

  • Orange icon of a document with a checklist

    Bundling

  • Pink icon of a thief

    Anti-theft discount

  • Blue icon of a blue car

    Good driver discount

  • Green icon of a military man

    Military discount

Check with your insurance company every several months to stay on top of available discounts.

What Are the Penalties for Driving Without Insurance in Milwaukee-Waukesha-West Allis?

Penalties for driving without insurance in Milwaukee-Waukesha-West Allis are very serious. Your license will be suspended until you file an SR-22 form and if you are involved in an accident, you could lose your driving privileges for up to three years. Fines for first-time offenders are $510, plus you’ll be paying for court fees. Your cost of insurance will skyrocket. It’s not worth it!

Get a Milwaukee-Waukesha-West Allis Car Insurance Quote Today!

Milwaukee skyline at sunrise
As you can see, choosing to live in the Milwaukee-Waukesha-West Allis metroplex comes with lots of cool benefits, including discounted and affordable car insurance. Freeway Insurance is here to help you find the best options based on your needs. Get started with a free quote online, visit us at a Wisconsin office near you, or call us at (800) 777-5620 for a quote today.