Best Cheap Car Insurance Companies for High-Risk Drivers in Wisconsin

Drivers with serious violations like a DUI or multiple speeding tickets are considered high risk since they are more likely to get into crashes. That makes high-risk auto insurance more costly compared to car insurance with a clean record. Shopping around is the best way to get the most affordable car insurance for high-risk drivers.

If you are a high-risk driver in Wisconsin, American Family offers the cheapest rate at around $756 per year. American Family also offers the best balance of quality service and affordability for high-risk drivers in Wisconsin.

If you have a history of driving violations such as a DUI, speeding tickets or at-fault accidents, you are considered a high-risk driver. Young drivers are also classified as high-risk since they are inexperienced and may cause an accident.

Insurers will charge more to insure a high-risk driver since they are more likely to file a claim, which the insurance company must pay.

In Wisconsin, high-risk drivers pay around 27% more for car insurance than drivers with a clean record.

American Family offers the most affordable car insurance for high-risk drivers in Wisconsin at an average cost of $756 per year. MoneyGeek reviewed American Family to help you decide whether its coverage options, discounts, customer service, etc., are best suited for your needs.

American Family emerged as the best high-risk auto insurance company in Wisconsin, with a MoneyGeek score of 93 out of 100. This company rates highly for affordability and has above-average customer satisfaction and claims ratings. You can find out more about American Family car insurance in our in-depth review.

The second-best high-risk auto insurance choice in Wisconsin is Erie, scoring 90 out of 100. Our review of Erie breaks down its policy options and more.

The cheapest car insurance in Wisconsin for drivers with a DUI is with American Family at an average cost of $756 per year. You can find out more about American Family car insurance coverages and other features in MoneyGeek’s review.

If you have a military background, USAA may be an affordable option for car insurance in Wisconsin for those with a DUI conviction.

The cheapest car insurance in Wisconsin for teen drivers is with State Farm at an average cost of $3,252 per year. Actual rates will vary depending on the age of the teen driver, with 16-year-olds paying more compared to 19-year-olds.

You can learn more about State Farm auto insurance in MoneyGeek’s in-depth review.

GEICO offers the cheapest auto insurance with bad credit in Wisconsin at an average cost of $829 per year. On average, drivers with poor credit in Wisconsin pay 29% more for car insurance compared to those with good credit.

You can learn more about GEICO car insurance in MoneyGeek’s review.

In Wisconsin, high-risk auto insurance has an average increase of 27% from the cost for a driver with a clean record. The average cost of a policy with a clean record is $842 per year, while the cost for high-risk drivers averages $1,191 per year — nearly $350 more.

To find out how much car insurance costs in Wisconsin for your particular profile, you can use MoneyGeek’s car insurance calculator to get an estimate based on your details. By providing your age, driving history, coverage needs and other details, you can see what impacts the cost the most and estimate what you may pay with different insurance companies.

Auto insurance companies are private entities that can choose to decline to cover you if they find you too risky to insure or for any other reason. However, you can find an alternative in the form of a residual market plan that is offered by the Automobile Insurance Plan Service Office (AIPSO).

AIPSO helps high-risk drivers find car insurance coverage by providing services to the auto insurance residual market.

The Wisconsin Automobile Insurance Plan (The Plan) was established on October 1, 1949. The Plan provides auto insurance to high-risk drivers that cannot find coverage in the voluntary market. The Plan’s administration is made up of representatives from eight insurance companies licensed in Wisconsin.

The Plan is categorized into two: Private Passenger Personal Auto and Wisconsin Special Risk Distribution Plan (SRDP) for commercial risks.

MoneyGeek answered commonly asked questions about high-risk auto insurance in Wisconsin to help you learn more.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.