Car Insurance in Waukesha, Wisconsin
Estimated full coverage in Waukesha runs about $1,190 a year ($99/month) — ▲ +9% versus the Wisconsin average, ranking 4th most expensive of the 8 Wisconsin cities we cover.
Why car insurance in Waukesha costs more than the Wisconsin average
Insurers price by territory, and Waukesha's numbers explain most of the gap. With 71,461 residents on 25.5 square miles, the city's density (2,800 people per square mile) is 5.4 times the density where the typical Wisconsin resident lives (516). The average commute is 21.3 minutes (Wisconsin: 22.2), and 77% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision, and 1.08× for comprehensive once FEMA weather risk for Waukesha County is included.
| Factor | Waukesha | Wisconsin ref. | Why it matters |
|---|---|---|---|
| Population density | 2,800 / sq mi | 516 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.3 min | 22.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.5% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 12.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 69.5 | 72.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Waukesha
Rates can change from one ZIP code to the next. Across 3 Waukesha ZIP codes, our full-coverage estimate ranges from $1,130 in 53189 to $1,165 in 53186. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 53188 | 34,892 | 1,301 | 22.6 min | 5.8% | $1,155 | −3% |
| 53186 | 33,374 | 2,651 | 19.1 min | 4.4% | $1,165 | −2% |
| 53189 | 26,855 | 562 | 25.1 min | 2.8% | $1,130 | −5% |
Minimum car insurance in Waukesha
Waukesha drivers follow Wisconsin's rules: at least 25/50/10 liability coverage, and uninsured motorist coverage. Wisconsin is at-fault (tort). We estimate state-minimum coverage in Waukesha at $405 a year, and $590 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Wisconsin does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional; if purchased, limits must be at least 50/100. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Waukesha premiums
Accidents
Wisconsin recorded 595 traffic deaths, or 0.86 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Wisconsin's vehicle theft rate is 132 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Waukesha County as relatively high for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and very low for hurricanes.
Traffic & commuting
3.5% of Waukesha commuters spend an hour or more getting to work, and there are 1.75 vehicles per household. 12.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 96.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.7 | Comprehensive; dwelling | |
| Hurricane | 9.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 89.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 56.1 | Comprehensive; dwelling | |
| Winter weather | 86.5 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Waukesha by driver profile
A clean-record driver in their 50s pays the least in our Waukesha model (about $1,095 for full coverage); an 18-year-old on their own policy pays about $3,265, and a DUI pushes a 30-something to $2,200.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,115 | $1,615 | $3,265 | $272 |
| Young adult (22) | $650 | $940 | $1,900 | $158 |
| Adult in their 30s | $405 | $590 | $1,190 | $99 |
| Adult in their 50s | $375 | $540 | $1,095 | $91 |
| Senior (72) | $455 | $660 | $1,330 | $111 |
| 30s, one at-fault accident | $590 | $850 | $1,725 | $144 |
| 30s, DUI on record | $750 | $1,085 | $2,200 | $183 |
Minimum vs. standard vs. full coverage in Waukesha
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $405 | $34 | $330–$480 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $590 | $49 | $480–$695 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,190 | $99 | $975–$1,400 |
Estimate your premium in Waukesha
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Cheap car insurance in Waukesha: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Waukesha's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $85 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $85 | You're among the 12.9% of Waukesha workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $330 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $600 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $260 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Waukesha
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 15 offices listed below.
- Check complaint records with the Wisconsin Office of the Commissioner of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Waukesha, our estimates differ by up to $35 a year between neighborhoods.
Car insurance agents near Waukesha, WI
We found 15 insurance offices within about 4 miles of central Waukesha, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Leticia Guzman - American Family Insurance
744 N Grand Ave, Waukesha, WI 53186 -
Chris Janet - State Farm
707 N. Grand Ave, Ste 101, Waukesha, WI 53186 -
Jennifer Scheler Agency LLC
1425 Summit Ave, Ste 203, Waukesha, WI 53188 -
Erie Insurance
2607 N Grandview Blvd, Suite 160a, Waukesha, WI 53188 -
Tom Matoska - State Farm
S30W24670 Sunset Dr, Waukesha, WI 53189 -
Chris Wagner - Allstate
100 E Sunset Dr, Ste 110, Waukesha, WI 53189 -
Alan Hulliberger - State Farm
2304 N Grandview Blvd, Waukesha, WI 53188 -
Victoria Sanchez-Klemp - American Family Insurance
2312 N Grandview Blvd, Ste 207, Waukesha, WI 53188 -
Jeremy Panczenko - Farmers Insurance
1427 E Racine Ave, Waukesha, WI 53186 -
Maggie Bringa - State Farm
2315 Badger Dr, #A, Waukesha, WI 53188 -
Jon Bonow State Farm Insurance Agent
WI -
Erie Insurance
2309 Silvernail Road, Pewaukee, WI 53072 -
Maggie Bringa Insurance Agency Inc.
WI -
Arthur Smith - Farmers Insurance
N19w24400 Riverwood Dr, Waukesha, WI 53188 -
AAA Insurance
WI
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Waukesha
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $890 | −25% |
| Subaru Outback | Wagon | $895 | −25% |
| Tesla Model 3 | Midsize car | $1,240 | +4% |
| Subaru Forester | Small SUV | $875 | −26% |
| Honda Civic | Compact car | $1,340 | +13% |
| Toyota Corolla | Compact car | $1,255 | +5% |
| Jeep Wrangler | Midsize SUV | $965 | −19% |
| Mazda CX-5 | Small SUV | $995 | −16% |
| MINI Cooper | Subcompact car | $895 | −25% |
| Tesla Model Y | Midsize SUV | $1,115 | −6% |
Car insurance in nearby Wisconsin cities
- Milwaukee $1,250/yr · 15 mi
- Racine $1,240/yr · 29 mi
- Kenosha $1,225/yr · 35 mi
- Madison $1,190/yr · 60 mi
- Appleton $1,170/yr · 88 mi
- Green Bay $1,150/yr · 105 mi
- Eau Claire $1,120/yr · 204 mi
All Wisconsin cities and state rules · Homeowners insurance in Waukesha
Frequently asked questions
How much is car insurance in Waukesha, WI?
We estimate full coverage in Waukesha at about $1,190 a year ($99 a month) for a driver in their 30s with a clean record, and about $405 for Wisconsin's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Waukesha more expensive than the Wisconsin average?
Our Waukesha estimate is 9% higher than the statewide figure. The model reflects a population density of 2,800 people per square mile (the typical Wisconsin resident lives at about 516) and an average commute of 21.3 minutes versus 22.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Waukesha?
Drivers in Waukesha follow Wisconsin law: at least 25/50/10 liability coverage and uninsured motorist coverage.
Which ZIP code in Waukesha has the cheapest car insurance?
Among Waukesha's 3 ZIP codes, 53189 has the lowest estimate (about $1,130 a year for full coverage) and 53186 the highest (about $1,165), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Waukesha?
An 18-year-old with their own full-coverage policy would pay around $3,265 a year in Waukesha by our estimate ($1,115 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Waukesha?
Yes. FEMA's National Risk Index rates Waukesha County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Waukesha?
We list 15 insurance offices in and around Waukesha, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Wisconsin OCI: Consumer's Guide to Auto Insurance (PI-057)
- Wisconsin OCI: Frequently Asked Questions - Automobile Insurance (PI-233)
- Wis. Stat. 632.32 (motor vehicle policy provisions)
- Wisconsin DMV: Proof of insurance (financial responsibility)
- Wisconsin OCI: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Waukesha and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places