Find the Best Car Insurance Companies in Milwaukee, WI

How to choose car insurance in Milwaukee

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.

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.