How Much Does Auto Insurance Cost for Drivers with a DUI in Wisconsin?

After getting a DUI, one of the big considerations that affect the amount you pay each year for auto insurance is where you keep your car in Wisconsin. Urban areas that are densely populated like Milwaukee, West Allis, and Greenfield will most likely have higher rates, whereas areas with less traffic congestion and claims enjoy lower insurance rates.

The following table rates the most costly cities in Wisconsin for drivers with a DUI to purchase car insurance in.

Table data uses estimated as the specific area where the vehicle is garaged can change premiums considerably.

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is one of the largest considerations in finding affordable coverage for drivers with a DUI. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models. The lists below illustrates car insurance costs for a selection of the cheaper automobiles to insure.

Prices above based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates noticeably.

Price data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can decrease or increase premium rates greatly.

Premium data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle garaging location which can alter rates substantially.

Establishing which insurers offer the lowest-priced car insurance rates for drivers with a DUI will take a little more work in order to find the best price. Every insurance provider uses their own calculation for determining prices, so let’s take a look at the most competitive car insurance companies in Wisconsin.

Find the Cheapest Auto Insurance after a DUI

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USAA offers some of the lowest car insurance rates in Wisconsin at around $580 annually. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual also qualify as some of the cheapest Wisconsin insurance companies.

In this example, if you have coverage with Pekin Insurance and switched to Partners Mutual, you might achieve annual savings of upwards of $144. Policyholders with Rockford Mutual may save as much as $146 a year, and Nationwide policyholders might lower prices by up to $160 a year.

These prices are averaged for all insureds and vehicles and and are not figured with a price surcharge for drivers with a DUI. So the company that has the cheapest rates for you may not even be featured in the list of companies shown earlier. That’s why you need to get rate quotes using your own personal information and vehicle type.

Full coverage versus liability-only in Wisconsin

Finding cheap insurance for drivers with a DUI in Wisconsin should be important to the majority of drivers, and one great way to find cheaper insurance is to not pay for full coverage. The chart below illustrates the difference between premium costs with full physical damage coverage compared to only buying liability only. The prices are based on no claims, a clean driving record, $500 deductibles, single marital status, and no policy discounts are applied.

If we average the cost for all age groups, physical damage coverage costs $1,092 per year over and above liability coverage. Many drivers will wonder when is it safe to stop buying full coverage. There isn’t a steadfast formula to delete physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Finding the best insurer can be rather challenging considering how many choices there are in Wisconsin. The company ratings shown below could help you select which auto insurance companies you want to consider comparing prices from. The rankings below include the largest companies in America, so companies that focus mainly on Wisconsin business will not be included in the list.

Top 10 Major Auto Insurance Providers in Wisconsin Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Major Auto Insurance Providers in Wisconsin Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General