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Cheap DUI Car Insurance in Wisconsin (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Wisconsin (2022)
For drivers with a DUI or DWI offense in Wisconsin, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Wisconsin. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Wisconsin.
| Carrier | Avg. Monthly Cost |
|---|---|
| Liberty Mutual | $106 |
| Travelers | $125 |
| Metropolitan Property and Casualty Insurance Company | $125 |
| First Chicago Insurance Company | $140 |
| Dairyland Insurance | $151 |
| The General | $160 |
| American Family Insurance | $160 |
| Safeco Insurance | $175 |
DUI Car Insurance Costs in Wisconsin
In Wisconsin, a DUI or DWI offense will on average have drivers paying $295 per month and $3,540 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 98% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$149
Avg. Monthly Cost - After DUI$295
$146 ▴
97.99% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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How Much Does a DUI Impact Car Insurance Rates in Wisconsin?
There's no avoiding it: risky behavior like driving under the influence is never rewarded. Some people experience life-changing consequences. At the very least, you'll see your insurance rates increase. Though car insurance costs after a DUI in Wisconsin are some of the lowest in the United States, a higher monthly premium still stings.
Relative to the rest of the country, Wisconsin ranks low when it comes to statewide insurance costs for drivers after a DUI conviction. That's little consolation when you are looking at a new average premium of $295—a cost increase of 98 percent over the average that motorists without a DUI pay.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $149 | $295 | 97.99% |
What Are the Average Car Insurance Prices After a DUI in Wisconsin?
Only nine other states are cheaper than Wisconsin when it comes to buying insurance after a DUI. Though that's good news, the bottom line is that an insurance rate increase is still coming your way. The average car insurance premium for Wisconsin drivers with a prior DUI is $295.
Because car insurance rates rely on more than this one mistake (your age, the kind of car you drive, and your marital status are just a few variables aside from your driving record), you may shop around and find rates that are higher or lower than the average. The secret to finding the cheapest rates is the ability to pick among insurance providers that are as personalized as possible to the variables that describe you.
| Wisconsin After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $295 | 41st |
How Long Is the Lookback Period for a DUI in Wisconsin?
You might be asking yourself how many years a DUI stays on your record in Wisconsin. As far as criminal records go, a DUI is on your record for life in this state. However, it can only be grouped with any subsequent DUIs for a period of 10 years. If you have only one DUI on your record for 10 years, the next DUI (should you get one again) is considered a first offense for penalty purposes.
Insurance companies don't necessarily abide by state lookback periods when deciding how long to consider a DUI violation. In general, rate increases for driving mistakes stick around for up to five years.
Wisconsin DUI Penalties
Age, number of offenses, and other details influence the penalty received if convicted of a DUI in the state of Wisconsin. Fines for a first offense range from $150 to $300, license suspension of up to nine months, and enrollment in a sobriety program.
In Wisconsin, the harm or damage you incur plays a significant role in what your penalty might be. For example, if you are convicted of homicide related to the DUI—even for a first offense—you could pay $100,000 in fines, add a felony to your record, and be imprisoned for five or more years.
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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Wisconsin Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Wisconsin. Insurify analyzed the latest data for the five most populous cities in Wisconsin to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Wisconsin and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.