Cheapest car insurance for high-risk drivers in Wisconsin

Which company has the cheapest car insurance in Wisconsin for a bad driving record?

Travelers, Erie Insurance and Nationwide offer some of the cheapest rates for drivers with poor driving records in Wisconsin. Among them, Travelers has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,693 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Travelers	$1,089	$1,693
Erie Insurance	$1,313	$1,831
Nationwide	$1,287	$2,423
GEICO	$1,195	$2,441
State Farm	$2,378	$2,569
Progressive	$2,128	$2,943
Allstate	$2,515	$3,177
Farmers	$2,139	$3,963
USAA	$984	$1,428

Read our methodology

How much is high-risk car insurance in Wisconsin?

The average cost of high-risk car insurance in Wisconsin is $2,663 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,693 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Wisconsin, WI is $2,538

Show Graph View

Company	Annual premium for clean record	Annual premium after violation
USAA	$984	$1,434
Travelers	$1,089	$1,645
Erie Insurance	$1,313	$1,770
Nationwide	$1,287	$2,300
GEICO	$1,195	$2,398
State Farm	$2,378	$2,787
Farmers	$2,139	$3,310
Progressive	$2,128	$3,723
Allstate	$2,515	$4,078

Read our methodology

Average annual rate

People ask

Who is considered a high-risk driver in Wisconsin?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Wisconsin after a DUI?

Erie Insurance offers the cheapest average rate for drivers with multiple tickets at $1,450 annually or $121 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Wisconsin.

Company	Average annual premium for clean record	Annual premium for a DUI
Travelers	$1,089	$1,723
Erie Insurance	$1,313	$2,091
Progressive	$2,128	$2,393
State Farm	$2,378	$2,583
Nationwide	$1,287	$2,990
GEICO	$1,195	$3,016
Allstate	$2,515	$3,202
Farmers	$2,139	$4,508
USAA	$984	$1,817

Read our methodology

What is the cheapest car insurance in Wisconsin with multiple tickets?

Erie Insurance has the cheapest average rates for drivers with multiple tickets at $1,450 annually or $121 monthly.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Wisconsin how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Erie Insurance	$1,313	$1,450
Travelers	$1,089	$1,649
Nationwide	$1,287	$2,236
GEICO	$1,195	$2,342
State Farm	$2,378	$2,583
Progressive	$2,128	$2,823
Allstate	$2,515	$2,896
Farmers	$2,139	$3,275
USAA	$984	$1,152

Read our methodology

Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Wisconsin?

Erie Insurance provides the cheapest average reckless driving insurance rates in Wisconsin at $1,450 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Erie Insurance	$1,313	$1,450
Travelers	$1,089	$1,723
State Farm	$2,378	$2,583
GEICO	$1,195	$2,742
Nationwide	$1,287	$2,990
Allstate	$2,515	$3,202
Progressive	$2,128	$3,230
Farmers	$2,139	$4,667
USAA	$984	$1,428

Read our methodology

Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Wisconsin?

Travelers offers the lowest average car insurance rates in Wisconsin for drivers with bad credit, at $1,769 per year or $147 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Wisconsin car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Travelers	$1,089	$1,769
Nationwide	$1,287	$1,850
GEICO	$1,195	$1,860
State Farm	$2,378	$2,501
Erie Insurance	$1,313	$3,099
Progressive	$2,128	$3,572
Allstate	$2,515	$3,971
Farmers	$2,139	$4,778
USAA	$984	$1,863

Read our methodology

What company has the cheapest car insurance in Wisconsin after an accident?

Travelers offers the cheapest average post-accident rates in Wisconsin at $1,599 annually. Erie Insurance also provides relatively affordable rates at $1,770 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Travelers	$1,089	$1,599	$2,058
Erie Insurance	$1,313	$1,770	$2,517
Nationwide	$1,287	$2,300	$3,170
GEICO	$1,195	$2,398	$3,942
State Farm	$2,378	$2,787	$2,787
Farmers	$2,139	$3,310	$5,121
Progressive	$2,128	$3,723	$5,411
Allstate	$2,515	$4,078	$5,681
USAA	$984	$1,434	$2,285

Read our methodology

Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Wisconsin?

Oshkosh has the cheapest average high-risk insurance premiums in Wisconsin at $2,095 annually. Meanwhile, Milwaukee has the highest average rates at $3,240 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

City	Average annual premium for clean record	Annual premium for high-risk driver
Oshkosh	$1,357	$2,095
Sheboygan	$1,394	$2,182
Sun Prairie	$1,457	$2,268
Eau Claire	$1,491	$2,337
Menomonee Falls	$1,484	$2,340
Evansville	$1,499	$2,349
Wausau	$1,526	$2,365
Madison	$1,524	$2,402
Portage	$1,581	$2,478
Cudahy	$1,651	$2,670
Milwaukee	$2,013	$3,240

Read our methodology

How can high-risk drivers lower their car insurance rates in Wisconsin?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Wisconsin, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

People ask

How long are you considered a high-risk driver in Wisconsin?

Three years is common, but how long you are considered a high-risk driver in Wisconsindepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Wisconsin's insurance requirements for high-risk drivers?

If you're a high-risk driver in Wisconsin, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Wisconsin

Can high-risk drivers get full coverage car insurance in Wisconsin?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Wisconsin?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Wisconsin?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.