For a 40-year-old driver with a clean record, Milwaukee car insurance averages about $244 a month ($2,928 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 33% above the Wisconsin average of $184 a month. Progressive has the lowest full-coverage average among the six major insurers we compared (Acuity, Allstate, American Family, Erie, GEICO and Progressive), at about $172 a month.
Milwaukee is the most expensive city in Wisconsin in our data, and Milwaukee County is the most expensive of the 62 Wisconsin counties we price. Our benchmark driver pays about $60 a month more here than the state average and about $73 a month more than in Madison.
Our data covers 27 ZIP codes with a Milwaukee mailing address, and prices vary widely across them, from about $187 a month in 53228 to $306 in 53216.
Cost data comes from the auto rates insurers file with state regulators, priced across all 27 Milwaukee ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Milwaukee averages $2,928 a year, or about $244 a month, for our benchmark driver. Liability-only coverage at Wisconsin’s 25/50/10 minimum averages $827 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,957 ($246 a month).
Progressive has the lowest full-coverage average among the six insurers in our Milwaukee rate data. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts American Family first. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $38 a month, followed by Erie at $51.
Full-coverage averages by insurer in Milwaukee
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $459 | $38 | $2,066 | $172 |
| Erie | $607 | $51 | $2,388 | $199 |
| GEICO | $780 | $65 | $2,792 | $233 |
| Acuity | $736 | $61 | $3,018 | $252 |
| American Family | $1,070 | $89 | $3,600 | $300 |
| Allstate | $1,309 | $109 | $3,702 | $309 |
| State Farm (Nov. 2025 rates)* | $596 | $50 | $2,248 | $187 |
| USAA (military families)* | $432 | $36 | $1,402 | $117 |
| Travelers* | $661 | $55 | $1,531 | $128 |
| Auto-Owners* | $915 | $76 | $3,505 | $292 |
| Milwaukee average | $827 | $69 | $2,928 | $244 |
This table uses Milwaukee ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 27 Milwaukee ZIP codes we price, full coverage for our driver ranges from about $187 a month in 53228 to $306 in 53216, a gap of $1,418 a year. Southwest-side ZIP codes such as 53220, 53227 and 53228 are the least expensive in our data, and north-side ZIP codes such as 53206, 53216 and 53218 are the most expensive.
Lowest-priced Milwaukee ZIP codes
Highest-priced Milwaukee ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Milwaukee’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 53202 | $748 | $62 | $2,621 | $218 | -11% |
| 53204 | $868 | $72 | $3,198 | $267 | +9% |
| 53205 | $938 | $78 | $3,542 | $295 | +21% |
| 53206 | $957 | $80 | $3,618 | $302 | +24% |
| 53207 | $728 | $61 | $2,415 | $201 | -18% |
| 53208 | $934 | $78 | $3,355 | $280 | +15% |
| 53209 | $899 | $75 | $3,318 | $277 | +14% |
| 53210 | $912 | $76 | $3,383 | $282 | +16% |
| 53211 | $758 | $63 | $2,638 | $220 | -10% |
| 53212 | $921 | $77 | $3,451 | $288 | +18% |
| 53213 | $741 | $62 | $2,494 | $208 | -15% |
| 53214 | $747 | $62 | $2,457 | $205 | -16% |
| 53215 | $813 | $68 | $2,886 | $241 | -1% |
| 53216 | $965 | $80 | $3,666 | $306 | +25% |
| 53217 | $702 | $59 | $2,415 | $201 | -18% |
| 53218 | $958 | $80 | $3,592 | $299 | +23% |
| 53219 | $757 | $63 | $2,468 | $206 | -16% |
| 53220 | $726 | $61 | $2,375 | $198 | -19% |
| 53221 | $736 | $61 | $2,418 | $202 | -17% |
| 53222 | $844 | $70 | $3,060 | $255 | +5% |
| 53223 | $876 | $73 | $3,125 | $260 | +7% |
| 53224 | $883 | $74 | $3,144 | $262 | +7% |
| 53225 | $879 | $73 | $3,168 | $264 | +8% |
| 53226 | $729 | $61 | $2,423 | $202 | -17% |
| 53227 | $745 | $62 | $2,396 | $200 | -18% |
| 53228 | $692 | $58 | $2,248 | $187 | -23% |
| 53233 | $869 | $72 | $3,171 | $264 | +8% |
Your ZIP code matters
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our Milwaukee data: $2,928 a year compared with $2,957, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, American Family and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Milwaukee ZIP codes, their full-coverage average fell from $3,116 a year nine months earlier to $3,040 in rates as of Aug. 31, 2026, a 2.4% drop. Progressive cut its Milwaukee average 10.9% and American Family 1.4%, while Allstate’s and GEICO’s averages were unchanged. Acuity and Erie are new in our rates over the past nine months, so they’re left out, which is why these averages differ from the Milwaukee average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits rose 0.4%, led by American Family, which raised its liability-only average 2.6%.
Milwaukee County averages about $231 a month for full coverage in our data, the highest of any Wisconsin county. Neighboring Waukesha County averages $168, Racine County $178 and Ozaukee County $171.
Suburbs in Milwaukee County cost less than the city: Franklin averages about $176 a month, Oak Creek $180 and Greendale $181. Waukesha, in neighboring Waukesha County to the west, averages $167. Where your car is garaged is one of the factors Wisconsin insurers use, so neighboring cities can be priced differently.
More Wisconsin cities and towns are in the Wisconsin rates by city table, and you can compare states on our car insurance rates by state page.
Racine, about 25 miles south, averages $183 a month, and Kenosha, about 30 miles south, $184. Madison, about 75 miles west, averages $171.
Drivers in Milwaukee follow Wisconsin’s rules. Every policy must include at least:
Underinsured motorist coverage and medical payments coverage are optional, but insurers must tell you they’re available. Our Wisconsin requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Wisconsin law and the Wisconsin Office of the Commissioner of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Milwaukee averages about $244 a month ($2,928 a year) and liability-only coverage about $69 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 33% above the Wisconsin average of $184 a month.
Progressive has the lowest full-coverage average in our Milwaukee rate data, at about $172 a month, followed by Erie at $199. For liability-only coverage, Progressive has the lowest average, at about $38 a month. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Milwaukee full coverage averages about $244 a month, 33% above the Wisconsin average. Milwaukee County is the most expensive of the 62 counties we price, and prices are highest on the north side, at about $306 a month in 53216.
In our data, 53228 has the lowest full-coverage average in Milwaukee, at about $187 a month, and 53216 the highest, at about $306. The ZIP code table on this page lists all 27.
In our Milwaukee data, full coverage (100/300/100 with $500 deductibles) averages about $244 a month and liability-only coverage at 25/50/10 limits about $69, a difference of about $175 a month ($2,101 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Wisconsin law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Acuity and Erie are new over the past nine months), their Milwaukee full-coverage average fell 2.4%, from about $3,116 to $3,040 a year. That’s higher than the Milwaukee average of $2,928 because it leaves out Acuity and Erie. Progressive cut its Milwaukee average 10.9% and American Family 1.4%. Liability-only coverage at 25/50/10 limits rose 0.4%.
For our benchmark driver, full coverage in Milwaukee averages about $244 a month. Nearby, Racine averages about $183, Kenosha about $184 and Madison about $171. Racine, Kenosha and Madison are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
