Wauwatosa Car Insurance

How much does car insurance cost in Wauwatosa, WI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Wauwatosa?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Wisconsin has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Wauwatosa typically pay around $127.26 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Wisconsin $114.80
Wauwatosa, Wisconsin $127.26

Wauwatosa, WI Best Car Insurance Companies

car insurance in Wauwatosa

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Partners Mutual Insurance Co generally has the most affordable car insurance in Wauwatosa coming in around $72.42 per month. Other companies to consider if you live in Wauwatosa is USAA with an average cost of $82.37 per month and State Farm which typically runs around $109.60 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Wauwatosa.

RankCompanyAverage Monthly RateComparison State Average
1 Partners Mutual Insurance Co $72.42-36.92%
2 USAA $82.37-28.25%
3 State Farm $109.60-4.53%
4 SECURA Insurance $113.33-1.28%
5 Safeco $113.50-1.13%
6 Clearcover $117.382.25%
7 Auto-Owners Insurance Co $124.998.88%
8 West Bend Mutual $131.8614.86%
9 Erie $138.6020.73%
10 American Family $140.6922.55%

How Much is Car Insurance in Wauwatosa, WI?

how much is auto insurance in Wauwatosa

Rates can vary from city to city. The residents of Appleton typically pay $95.64 per month while people who live in Brookfield will pay $111.10 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Wisconsin CitiesMonthly Average Rate
Appleton $95.64
Eau Claire $88.13
Green Bay $88.90
Janesville $96.77
Kenosha $121.32
La Crosse $82.01
Madison $100.55
Milwaukee $160.86
Oshkosh $93.49
Racine $117.89
Sheboygan $89.71
Waukesha $96.77
Wauwatosa $127.26

Cheap Car Insurance in Wauwatosa by Zip Codes

find cheap auto insurance in Wauwatosa

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Wisconsin. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Wauwatosa, WI ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Wauwatosa

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $165.25 per month in Wauwatosa. Compare that to drivers in their 30’s who typically pay around $77.98 per month drivers in their 40s at $72.55 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Wauwatosa

CompanyAverage Monthly Rate
No data available to show

Cheapest Insurance for 20 Year-olds in Wauwatosa

20 year-olds in Wauwatosa might want to consider USAA who, on average, offers car insurance rates around $98.37 per month. Safeco , Clearcover , State Farm and SECURA Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$149.84
SECURA Insurance$157.09

Cheapest Insurance for 30 Year-olds in Wauwatosa

If you are in your 30s in Wauwatosa our research has found that USAA typically has the most affordable coverage coming in around $63.03 per month, followed by SECURA Insurance at $67.88 and State Farm at $71.53.

CompanyAverage Monthly Rate
SECURA Insurance$67.88
State Farm$71.53
Partners Mutual Insurance Co$72.42

Cheapest Insurance for 40 Year-olds in Wauwatosa

On average, State Farm offers car insurance for 40 year-olds in Wauwatosa for around $73.38 per month. If you are looking for affordable coverage, you may also want to consider USAA or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$73.38
Auto-Owners Insurance Co$77.88
SECURA Insurance$86.29
West Bend Mutual$99.31

Cheapest Insurance for 50 Year-olds in Wauwatosa

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Wauwatosa we found that USAA generally offers the most affordable coverage at $64.58 per month.

CompanyAverage Monthly Rate
State Auto$66.83
SECURA Insurance$68.17
State Farm$71.30
Auto-Owners Insurance Co$85.98

Cheapest Insurance for 60 Year-olds in Wauwatosa

CompanyAverage Monthly Rate
No data available to show

Driver's Coverage Auto Insurance Rates in Wauwatosa, WI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Wauwatosa, the average monthly rate for a driver who is currently insured is $124.42 while drivers who are not currently covered will pay around $132.44.

CoverageAverage Monthly Rate
Not Currently Insured $132.44
Currently Insured $124.42

Compare Recent Car Insurance Quotes in Wauwatosa

auto insurance quotes in Wauwatosa city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Wauwatosa a driver of a 2016 Bmw 328 can expect to pay around $175.97 per month while someone that owns a 2011 Buick Lacrosse may pay around $57.88 per month. Check out the list of recent quotes in Wauwatosa below.

VehicleAverage Monthly Rate
2016 Bmw 328$175.97
2011 Buick Lacrosse$57.88
2006 Chrysler Pacifica$71.13
2008 Kia Sorento$70.85
2018 Jeep Cherokee$104.77
2012 Hyundai Veloster$142.95
2012 Nissan Maxima$299.58
2009 Honda Civic$332.22
2012 Mazda 5$104.80

FAQ's for Drivers in Wauwatosa, WI

driver’s frequently asked question in Wauwatosa

What Is the Minimum Liability Coverage Requirement in Wauwatosa, WI?

Every state requires drivers to have a minimum amount of liability coverage. Wisconsin drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All Wisconsin drivers must have an auto insurance policy providing liability coverage in the minimum amounts of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident.

The State also mandates uninsured motorist coverage of at least $25,000 bodily injury per person and $50,000 bodily injury per accident. This is a protection against hit-and-run drivers and uninsured drivers who cause an accident.

What Is the Blood Alcohol Concentration (BAC) limit in Wauwatosa, WI?

It’s illegal to operate a motor vehicle in Wisconsin with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

In Wisconsin, driving a car under the influence of alcohol or drugs is known as OWI, or Operating While Intoxicated. Although first, second, and third offenses require a BAC of 0.08%, fourth and subsequent offenses require a BAC of only 0.02%. Also, you can be charged and convicted of OWI due to the use of marijuana, cocaine, other illegal drugs, prescription medications, and over-the-counter drugs while driving.

What are the consequences of being convicted of a DUI?

Penalties for OWI range in severity depending on the number and type of offenses. At the very least, you face fines, court costs, suspension of your driver’s license for at least 6 months, and potential jail time. Transporting a minor while intoxicated or causing bodily harm to another person will result in considerably harsher punishments. A BAC of 0.15% results in mandatory participation in a sobriety program.

Find extensive detailed information in this PDF from the Wisconsin Department of Transportation.

Check Out Other Rates in Wauwatosa, WI Nearby Cities:

Milwaukee, WI

New Berlin, WI

Waukesha, WI

West Allis, WI


Commute Time in Wauwatosa, WI

20.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Wauwatosa, WI


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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