Auto Insurance Quotes in Milwaukee WI - [Mom Prepared] (2025)

Auto insurance is a necessary expense for any family, especially when you have multiple drivers and vehicles to cover. As a husband and wife raising children of various driving ages in Milwaukee, WI, my wife and I have had our fair share of experiences navigating the world of auto insurance quotes. From dealing with different types of coverage for our four vehicles to facing the consequences of driving infractions, we have learned a lot along the way.

One sunny afternoon, my wife and I were sitting at the kitchen table going over our monthly bills when the topic of auto insurance came up. We have four vehicles in our household: a minivan for family outings, a sedan for our daily commutes, a sports car for weekend drives, and a motorcycle for leisurely rides. Each vehicle serves a different purpose and requires its own unique coverage.

For our minivan, we have opted for full coverage insurance, including liability, collision, and comprehensive coverage. This ensures that we are protected in case of any accidents or damages to our vehicle. The monthly payment for this coverage is $150.

Our sedan, on the other hand, only has liability coverage. This is the minimum required by law in Wisconsin, but it still provides us with some protection in case of accidents where we are at fault. The monthly payment for this coverage is $100.

The sports car is our pride and joy, so we have invested in comprehensive coverage for it. This covers any damages to the vehicle, as well as theft and vandalism. The monthly payment for this coverage is $200.

Lastly, our motorcycle has liability coverage only, as we don’t use it as frequently as our other vehicles. The monthly payment for this coverage is $50.

As you can see, the type of coverage and monthly payments vary greatly depending on the vehicle and the level of protection we feel is necessary. It’s important to carefully consider these factors when shopping for auto insurance quotes in Milwaukee, WI.

Unfortunately, our family has had its fair share of driving infractions over the years. From speeding tickets to at-fault accidents, we have faced the consequences of our actions in the form of raised auto insurance rates. Here are five different driving infractions some of our family members have gotten and how much they raised our auto insurance rates:

1. Speeding ticket: One of our teenage drivers was caught going 15 miles over the speed limit, resulting in a $200 fine and a 10% increase in our auto insurance rates.

2. At-fault accident: Another family member rear-ended another vehicle at a stoplight, resulting in a $500 deductible and a 20% increase in our auto insurance rates.

3. DUI: A family member was pulled over for driving under the influence, resulting in a suspended license, a $1000 fine, and a 50% increase in our auto insurance rates.

4. Reckless driving: One of our teenage drivers was caught weaving in and out of traffic, resulting in a $300 fine and a 15% increase in our auto insurance rates.

5. Running a red light: Another family member was caught running a red light, resulting in a $150 fine and a 10% increase in our auto insurance rates.

These driving infractions serve as a reminder of the importance of safe and responsible driving. Not only do they put our family members at risk, but they also have a significant impact on our auto insurance rates.

As we continue to navigate the world of auto insurance in Milwaukee, WI, we have come across several common questions that many families may have. Here are 12 of the most frequently asked questions about auto insurance in our locale, along with the answers:

1. What is the minimum auto insurance coverage required in Wisconsin?

In Wisconsin, drivers are required to have liability insurance, which covers bodily injury and property damage in case of an accident.

2. What factors affect my auto insurance rates?

Several factors can affect your auto insurance rates, including your driving record, age, gender, location, and the type of vehicle you drive.

3. How can I lower my auto insurance rates?

You can lower your auto insurance rates by maintaining a clean driving record, bundling your policies, and taking advantage of discounts offered by your insurance provider.

4. Do I need full coverage insurance?

Full coverage insurance is not required by law, but it provides more comprehensive protection for your vehicle in case of accidents, theft, or vandalism.

5. What is the average cost of auto insurance in Milwaukee, WI?

The average cost of auto insurance in Milwaukee, WI is around $1000 per year, but this can vary depending on several factors.

6. Can I add my teenage driver to my auto insurance policy?

Yes, you can add your teenage driver to your auto insurance policy, but be prepared for an increase in your rates due to their lack of driving experience.

7. What is the difference between collision and comprehensive coverage?

Collision coverage pays for damages to your vehicle in case of an accident, while comprehensive coverage covers damages from non-accident-related incidents, such as theft or vandalism.

8. What is uninsured motorist coverage?

Uninsured motorist coverage protects you in case you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

9. Can I change my auto insurance policy at any time?

Yes, you can change your auto insurance policy at any time, but be aware that there may be fees or penalties for canceling your current policy before the end of the term.

10. What is a deductible?

A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. A higher deductible typically results in lower monthly premiums.

11. How do I file a claim with my auto insurance provider?

To file a claim with your auto insurance provider, contact them as soon as possible after the accident and provide all necessary information and documentation.

12. What should I do if my auto insurance rates increase?

If your auto insurance rates increase, contact your insurance provider to find out why and see if there are any discounts or adjustments that can be made to lower your rates.