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Wisconsin Car Insurance for High Risk Drivers (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Wisconsin (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in Wisconsin.

CarrierAvg. Monthly Cost
Travelers$122
Clearcover Inc$126
Metropolitan Property and Casualty Insurance Company$132
Midvale Home & Auto$164
Safeco Insurance$168
American Family Insurance$174
Nationwide$175
Liberty Mutual$178
Acuity Insurance$187
The General$208

What Makes a Driver High-Risk in Wisconsin?

Each time an auto insurance company insures a new driver, they take on a certain amount of risk. Depending on the driving history of the customer, that risk can range from low to high. High-risk drivers are those who have a record of risky driving or filing numerous insurance claims.

For those labeled as a high-risk driver in the state of Wisconsin, premiums can be much higher than for others who have a low-risk rating. Generally, drivers who are classified as high-risk have a history of speeding, reckless driving, numerous at-fault accidents, or DUI/DWI convictions. Even though these tend to increase premium rates, there are insurance providers that still offer affordable coverage.

Wisconsin Car Insurance Rates for High-Risk Drivers

No Violation
$147
Failure to Stop
$165
Speeding Ticket
$172
At-Fault Accident
$184
Reckless Driving
$191

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Wisconsin?

High-risk driving can have an enormous impact on car insurance rates in Wisconsin. Drivers who have instances of speeding, reckless driving, or failure-to-yield or -stop violations should expect their rates to increase. Reckless driving often carries the biggest penalty in Wisconsin, as drivers with this violation typically pay $191 a month for coverage.

If your record only has one or two instances of high-risk driving violations, it might be worth it to shop around at multiple providers. There are several places in the state that offer competitive rates for drivers with a high-risk history.

Driving HistoryAvg. Monthly Cost
No Violation$147
Speeding Ticket$172
At-Fault Accident$184
Reckless Driving$191
Failure to Stop$165

How Much Does a Speeding Ticket Impact Car Insurance Rates in Wisconsin?

Driving too fast down the roads in Wisconsin can often lead to a speeding ticket and an increase in your monthly insurance rates. Insurance providers often see speeding tickets as a sign that a driver is riskier to insure and could progress to other reckless driving violations. Ultimately, the average monthly rate increase for drivers with a speeding violation is $25.

No Violation - Avg. Monthly Rate
$147
Speeding ticket - Avg. Monthly Rate
$172
$25 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Wisconsin?

At-fault accidents are seen as a reckless driving violation and can lead to a rise in your monthly average premiums. In Wisconsin, having an at-fault accident on your driving record could mean that you pay 25 percent more for coverage. The total monthly cost for drivers with one of these instances is $184 on average.

No Violation - Avg. Monthly Rate
$147
Speeding ticket - Avg. Monthly Rate
$184
$37 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Wisconsin?

Wisconsin tends to be a little more forgiving if you get charged with a failure to stop for a red light or at a stop sign. The average price of auto insurance goes up around $18 per month with one of these violations on your record. Overall, that means a total increase of $216 for coverage throughout the year.

No Violation - Avg. Monthly Rate
$147
Speeding ticket - Avg. Monthly Rate
$165
$18 ▴
Avg. Monthly Rate Increase

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Does Driving With a Suspended License Impact Car Insurance Rates in Wisconsin?

Each time an auto insurance company insures a new driver, they take on a certain amount of risk. Depending on the driving history of the customer, that risk can range from low to high. High-risk drivers are those who have a record of risky driving or filing numerous insurance claims.

For those labeled as a high-risk driver in the state of Wisconsin, premiums can be much higher than for others who have a low-risk rating. Generally, drivers who are classified as high-risk have a history of speeding, reckless driving, numerous at-fault accidents, or DUI/DWI convictions. Even though these tend to increase premium rates, there are insurance providers that still offer affordable coverage.

Tips for Researching High-Risk Wisconsin Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Wisconsin draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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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.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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