- Cheapest car insurance for high-risk drivers in Wisconsin
- Average rates for high-risk drivers in Wisconsin by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Wisconsin
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Wisconsin is American Family, followed by Travelers and Geico.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| American Family | $1,683 | $140 |
| Travelers | $1,702 | $142 |
| Geico | $1,765 | $147 |
| Nationwide | $1,907 | $159 |
| Erie Insurance | $2,025 | $169 |
| State Farm | $2,167 | $181 |
| Farmers | $2,561 | $213 |
| Allstate | $2,715 | $226 |
| Auto-Owners | $3,068 | $256 |
| Progressive | $3,166 | $264 |
| Kemper Insurance | $3,910 | $326 |
| Automobile Club of MI (AAA) | $4,072 | $339 |
| Auto Club Enterprises (AAA) | $6,591 | $549 |
| USAA | $1,138 | $95 |
Average rates for high-risk drivers in Wisconsin by driving record
Average cost of car insurance in Wisconsin for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,145 |
| American Family | $1,188 |
| State Farm | $1,459 |
| Auto-Owners | $1,569 |
| Travelers | $1,648 |
| Geico | $1,720 |
| Nationwide | $1,811 |
| Erie Insurance | $1,910 |
| Farmers | $2,588 |
| Automobile Club of MI (AAA) | $2,711 |
| Allstate | $3,525 |
| Progressive | $3,877 |
| Auto Club Enterprises (AAA) | $4,328 |
| Kemper Insurance | $5,007 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Wisconsin for a driver with a DUI is State Farm with an average annual of $1,351 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,351 | $113 |
| American Family | $1,546 | $129 |
| Travelers | $1,729 | $144 |
| Geico | $2,194 | $183 |
| Erie Insurance | $2,258 | $188 |
| Nationwide | $2,336 | $195 |
| Farmers | $2,482 | $207 |
| Auto-Owners | $2,532 | $211 |
| Progressive | $2,604 | $217 |
| Allstate | $2,630 | $219 |
| Kemper Insurance | $3,476 | $290 |
| Automobile Club of MI (AAA) | $6,407 | $534 |
| Auto Club Enterprises (AAA) | $10,543 | $879 |
| USAA | $1,441 | $120 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Wisconsin, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,351 per year or $113 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,351 | $113 |
| American Family | $1,546 | $129 |
| Travelers | $1,652 | $138 |
| Geico | $1,692 | $141 |
| Nationwide | $1,750 | $146 |
| Farmers | $2,394 | $200 |
| Allstate | $2,548 | $212 |
| Auto-Owners | $2,771 | $231 |
| Automobile Club of MI (AAA) | $2,891 | $241 |
| Progressive | $3,070 | $256 |
| Kemper Insurance | $4,031 | $336 |
| Auto Club Enterprises (AAA) | $4,628 | $386 |
| USAA | $924 | $77 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Wisconsin, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,351 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,351 | $113 |
| Travelers | $1,729 | $144 |
| American Family | $1,903 | $159 |
| Geico | $1,980 | $165 |
| Nationwide | $2,336 | $195 |
| Auto-Owners | $2,532 | $211 |
| Allstate | $2,630 | $219 |
| Farmers | $2,852 | $238 |
| Progressive | $3,349 | $279 |
| Kemper Insurance | $3,932 | $328 |
| Automobile Club of MI (AAA) | $6,407 | $534 |
| Auto Club Enterprises (AAA) | $10,543 | $879 |
| USAA | $1,137 | $95 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Wisconsin is Geico with an average annual cost of $1,340 or $112 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,340 | $112 |
| Nationwide | $1,522 | $127 |
| Travelers | $1,799 | $150 |
| American Family | $2,011 | $168 |
| Farmers | $2,848 | $237 |
| Automobile Club of MI (AAA) | $2,947 | $246 |
| Allstate | $3,390 | $283 |
| Erie Insurance | $3,645 | $304 |
| Progressive | $3,834 | $320 |
| Kemper Insurance | $3,961 | $330 |
| Auto Club Enterprises (AAA) | $4,576 | $381 |
| Auto-Owners | $5,031 | $419 |
| State Farm | $6,249 | $521 |
| USAA | $1,478 | $123 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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