Best Cheap Car Insurance for Drivers with a Bad Driving Record in Wisconsin

Finding out which companies have the most affordable auto insurance rates for drivers with a bad driving record will take a tad more effort than just picking a company at random. Each insurer uses different criteria for determining prices, so let’s take a look at the auto insurance companies with the most affordable rates in Wisconsin.

It’s a good idea to be aware that Wisconsin auto insurance rates are impacted by many things that will increase or decrease the price you have to pay. Simply having a birthday, having a teenage driver, or getting into an accident may prompt premium changes resulting in some companies being affordable when they were higher priced.

Find the Cheapest Car Insurance for Imperfect Drivers

Compare Rates Now

USAA has some of the best car insurance rates in Wisconsin at around $604 a year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also qualify as some of the best Wisconsin insurance companies.

In the above rates, if you currently buy coverage from Rockford Mutual and switched to USAA, you might realize savings of upwards of $150. Insureds with Rural Mutual Insurance may save as much as $152 a year, and Integrity Mutual insureds might realize rate reductions of up to $158 a year.

Remember that these policy rates are averages for all drivers and vehicles and do not factor in a rate surcharge for drivers with a bad driving record. So the car insurance company that fits your needs best may not even be in the company chart above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

When shopping for auto insurance for bad drivers, one of the many components that affect the annual cost of car insurance is where you keep your car in Wisconsin. Areas with more people or even just a higher incidence of claims like Milwaukee, West Allis, and Greenfield tend to pay more, whereas less populated areas benefit from lower rates.

The illustration below displays the higher priced cities in Wisconsin for drivers with a bad driving record to purchase a policy in.

Price information shown is comparative as zip code location can lower or raise insurance rates significantly.

The vehicle model needing coverage is probably the most important factor when looking for the best cheap auto insurance for drivers with a bad driving record in Wisconsin. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than safer models.

The information below illustrates auto insurance prices for a selection of the most cost-effective vehicles to insure in Wisconsin.

Prices above based on single male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter premiums greatly.

Looking at the numbers, we can infer that cars like the Honda Accord, Ford Escape, Honda CR-V, and Chevrolet Traverse are likely to be a few of the most budget-friendly vehicles to insure for bad drivers. The price of auto insurance will be more costly just because there is more inherent risk for drivers with a bad driving record, but overall those particular models will probably have the lowest insurance prices possible.

Impact of citations and accidents on Wisconsin insurance rates

The common sense way to earn the best cheap auto insurance for drivers with a bad driving record in Wisconsin is to drive carefully and avoid traffic citations and accidents. The information below shows how traffic citations and fender-benders can raise car insurance costs for different insured age categories. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

The data above shows the average cost of an auto insurance policy in Wisconsin per year with no accidents and a clean driving record is $1,621. Factor in two speeding tickets and the average cost surges to $2,148, an increase of $527 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for drivers with a bad driving record jumps again to an average of $2,684. That’s an increase of $1,063, or $89 per month, just for being a little careless behind the wheel!

Allstate, State Farm, Progressive, or Geico: Which is best?

When buying auto insurance for bad drivers in Wisconsin, four good companies to start with are Allstate, State Farm, Progressive, and Geico. Between them, they make up about 50% of all policies written in the United States. The table below illustrates pricing and service ratings, plus some optional coverages shoppers can find with each company.

How to find the best cheap auto insurance for drivers with a bad driving record in Wisconsin

The list below summarizes many money-saving solutions that can help Wisconsin drivers get low-cost auto insurance.

• Maintain a safe distance and avoid accidents
• If possible, do not file small claims
• Buying home and auto insurance together can earn discounts
• Vehicles with safetly features generally cost less to insure
• Do not get tickets
• Compare rates regularly and switch companies to save money

That last tip is certainly important, as was noted in the prior article. Coverage rates in Wisconsin fluctuate constantly, so you should be ready to buy from a new company if a cheaper rate is available.

Being loyal to a particular company is commendable, but it’s not recommended if that dedication is costing major coinage every year. Now is a great time to compare prices to find cheaper insurance for drivers with a bad driving record.