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Find the Best Car Insurance Companies in Milwaukee, WI

If you drive in Milwaukee, you’re required to have car insurance, a form of financial protection in case of an accident. Finding a policy that fits your budget and has the right amount of coverage can be a challenge, so we researched the best car insurance in Milwaukee to help steer you in the right direction.

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  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Milwaukee
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Overall satisfaction rating
  • Safe driver discount
  • Name your price tool
  • Snapshot driving tool
  • Available in Milwaukee

See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers.

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Liberty Mutual
Overall satisfaction rating
  • Accident forgiveness
  • Save up to 30% for good driving
  • 12-month rate guarantee
  • Available in Milwaukee

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

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The General
  • Accepts drivers with poor driving history
  • Customized premium due date
  • Low down payments
  • Available in Milwaukee
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Robertson Ryan & Associates
  • Independent insurance agency
  • Prompt customer service
  • Broad array of insurance partners
  • Request a quote online
330 E. Kilbourn Ave., Ste. 650
Milwaukee, WI 53202
(414) 271-3575
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Proctor Insurance Agency
  • Free quotes from multiple carriers
  • Works with top auto insurers
  • Best coverage at most competitive price
  • Based in South Milwaukee
2315 10th Ave., Ste. 105
South Milwaukee, WI 53172
(414) 762-8900
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  • M-F: 8:00am - 5pm
  • Closed Sat and Sun
  • allstate.com
4010 N. Oakland Ave.
Milwaukee, WI 53211
(414) 961-1166
Friedle Insurance Agency
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • friedleinsurance.com
7700 W. Bluemound Rd., Ste. 110
Wauwatosa, WI 53213
(414) 475-0110
State Farm
  • M, W, F: 9am - 5pm
  • T, Th: 9am - 7pm
  • Sat: 9am - 12pm
  • Closed Sun
3550 E. Sivyer Ave.
St. Francis, WI 53235
(414) 486-1000
Philleo Agency Insurance
  • M-Th: 8:30am- 4:30pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • philleo.com
12555 W. Burleigh Rd.
Brookfield, WI 53005
(262) 432-4200
Frank Medina Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • frankmedinainsurance.com
342 N. Water St., Ste. 600
Milwaukee, WI 53202
(414) 877-0777

How to choose car insurance in Milwaukee

Milwaukee Skyline

Car insurance in Milwaukee can be divided into mandatory and optional coverages. Operating a car without insurance can result in a fine of up to $500. At a minimum, drivers across Wisconsin are required to carry liability coverage and uninsured motorist coverage.

  • Liability coverage applies to injuries and property damage to others if you are legally responsible for an accident. Minimum liability coverage is $25,000 for injury or death of one person, $50,000 for injury or death to two or more people, and $10,000 for property damage.
  • Uninsured motorist coverage applies to bodily injury you, your family or other car occupants suffer when hit by an uninsured motorist or hit-and-run driver. It also applies to you and your family if you are injured as a pedestrian after getting struck. Minimum uninsured motorist coverage is $25,000 for injury or death of one person and $50,000 for injury or death to two or more people.

Many Milwaukeeans purchase additional, non-mandatory coverages for better protection. There are several different types to consider when shopping for car insurance in Milwaukee.

Optional coverage type What it covers
Collision Damage to your vehicle if it collides with another car or if it overturns, even if you are at fault
Comprehensive Damage to your vehicle from other causes, like fire, vandalism, hail, glass break, falling objects, hitting an animal; stolen car parts
Underinsured motorist Injury to you and people in car if at-fault party’s coverage limits are inadequate
Medical payments coverage Medical/funeral expenses not covered by health insurance for you or others involved in a car accident

How much does car insurance in Milwaukee cost?

Wisconsin ranks among the cheapest states in the U.S. for car insurance, and though Milwaukeeans pay the state’s most expensive premiums, it’s still less than the national average. One recent study found the average annual premium in Milwaukee to be $1,132. Policies for drivers who live downtown are generally more expensive than in surrounding areas like the North Shore, Wauwatosa, Greenfield and Brookfield.

Aside from where you live, other factors that influence policy price are:

  • Age, sex and marital status: Young, single males pay the most of any group.
  • Type of car: The cheaper your car is to repair, the lower the premium.
  • Driving record: Your claims history helps companies determine the risk to insure.
  • Credit history: Some insurers may see a link between credit information and likelihood of claims.
  • Coverages and amounts: As coverages and amounts increase, so does the annual premium.
  • Deductible: By increasing your deductible on collision and comprehensive coverage, you lower the premium.

When looking for car insurance in Milwaukee, compare policies from different providers, as prices for similar coverages can range widely. You want enough coverage, but not more than necessary. Go beyond premium price and ask about the ease of the claims process, whether you can use your preferred shop for repairs and whether there’s a fee for canceling.

Don’t forget to learn about all available discounts. Most insurers offer savings for bundling car insurance with homeowners, insuring more than one vehicle, being a good student or paying for the year’s coverage in full.

Car Insurance Reviews


Progressive is one of the largest insurance companies in the U.S., protecting over 18 million drivers. Customers can see a personalized and accurate quote in six minutes and get easy discounts for signing up online and setting up automatic payments. The Name Your Price Tool lets you find a policy that fits in your budget, and Progressive’s Loyalty Rewards Program has perks like accident forgiveness. Milwaukee reviewers say Progressive is great to work with during claims.


Liberty Mutual

Liberty Mutual is a nationwide company offering Milwaukee drivers many different coverage types. Policies come standard with a 12-month rate guarantee and 24/7 customer service. Add-ons like rental car coverage and towing are available, as are plenty of discounts, like for having safety features on your car. Reviewers say it is easy to switch to Liberty Mutual and appreciate the competitive pricing.

Liberty Mutual

The General

The General has been insuring drivers across the U.S. for over 50 years, including those with accidents and violations on their driving records. Customers get good prices and the ability to make convenient monthly payments. The General’s new app makes it simple to start claims, get on-demand support and view a digital insurance ID. Reviewers say getting a quote is fast, and they give high grades to the company for its customer service.

The General

Robertson Ryan & Associates

Robertson Ryan & Associates is a Milwaukee-based independent insurance agency partnering with many different auto insurance providers. Customer-focused agents can help with coverages of all types for Milwaukee drivers of all risks. Over 30,000 clients have used Robertson Ryan & Associates for their insurance needs. According to reviews, agents are knowledgeable and helpful, regularly reviewing policies for savings opportunities.

Robertson Ryan & Associates

Proctor Insurance Agency

Procter Insurance Agency, founded in 1942, is an independent insurance agency based in South Milwaukee. Agents work with customers to assess needs and offer insurance options from different carriers. The company’s values include service, trust and confidence. Customers can request a secure quote online and contact Procter Insurance Agency with any questions. Reviewers say company staff are prompt responding to concerns and look out for clients’ best interests.

Proctor Insurance Agency