Cheap Car Insurance for High-Risk Drivers in Wisconsin:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Wisconsin (2021)

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.

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
Average Monthly Cost
$147
$172
$184
$191
$165
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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.

$147
$172
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$147
$184
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

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

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.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.