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BestAuto InsuranceAfter a DUIGetting Car Insurance After a DUI in Wisconsin: Everything You Need to Know
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MoneyGeek found that American Family is the least expensive provider for full coverage insurance after a DUI in Wisconsin, and State Farm is the cheapest for minimum coverage. By considering factors in addition to price, such as affordability, customer satisfaction and financial stability, MoneyGeek has rated Erie as the best insurance provider in the state.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
U.S. law allows insurance companies to refuse to cover drivers with DUI convictions. If your insurer decides to continue your policy after a DUI, you will likely pay higher premiums.
MoneyGeek's data shows that Wisconsin drivers pay 102.53% more for a full coverage insurance policy after a DUI. Aside from an increased premium, first-time offenders in the state may incur penalties, like fines of up to $1,100 for minors and suspended licenses.
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Cheapest Car Insurance Companies in Wisconsin After a DUI
Across the country, Progressive and State Farm offer the most affordable insurance rates after a DUI. In Wisconsin, American Family has the best rates for full coverage after a DUI, whereas State Farm offers the cheapest minimum coverage policies.
Cheapest Companies for Full Coverage in Wisconsin After a DUI
Insurance rates vary, so be sure to compare quotes from several providers. Wisconsin's cheapest insurers for full coverage auto insurance after a DUI are:
- American Family: $787 per year
- State Farm: $850 per year
USAA is among the most affordable providers of full coverage policies, at $763 annually. However, this insurer provides services only to military members, veterans and their family members.
Cheapest Car Insurance for Full Coverage After a DUI
Rank | Company | Annual Premium |
|---|---|---|
1 | USAA | $763 |
2 | American Family | $787 |
3 | State Farm | $850 |
4 | Progressive | $991 |
5 | Erie | $1,130 |
Cheapest Companies for Minimum Coverage in Wisconsin After a DUI
The amount of coverage you select will affect the price of your premium, with minimum coverage being the cheapest after a DUI. The following companies offer the lowest minimum coverage car insurance rates in Wisconsin:
- State Farm: $411 per year
- Progressive: $477 per year
With a premium of $360 annually, USAA is also among the most affordable minimum coverage policy providers. USAA policies, however, are available only to military members, veterans and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
Company | Minimum Annual Premium |
|---|---|
USAA | $360 |
State Farm | $411 |
Progressive | $477 |
Erie | $519 |
American Family | $561 |
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If you select a minimum coverage policy, make sure it meets your state's minimum requirements. It's also important to determine how much coverage you need to ensure you are protected if you get into an accident.
Top Car Insurance Companies in Wisconsin After a DUI
MoneyGeek looked at several factors like affordability, customer satisfaction, and financial soundness to find the best car insurance for Wisconsin DUI offenders. Erie Insurance takes our number spot for both full coverage and minimum coverage insurance.
Best Companies for Full Coverage in Wisconsin After a DUI
Erie Insurance and State Farm are the two best car insurance companies for DUI offenders in Wisconsin who want full coverage auto insurance. Read more about each company in the table below.
1
ErieBest full coverage after a DUI
Score:4.7
Erie charges DUI drivers in Wisconsin $1,130 per year for a full coverage policy, 48.81% more than the $759 it charges non-DUI drivers.
More About Erie
Erie provides affordable policies for traffic violators and young drivers. It also offers additional coverage selections like better car replacement, accident forgiveness, and rental car reimbursement.
2
State Farm
Score:4.4
The average cost of a full coverage insurance policy from State Farm for DUI drivers in Wisconsin is $850 per year, compared to $777, a difference of 9.43%.
More About State Farm
State Farm gets high ratings for financial stability, customer service and affordability. It offers multi-car, bundling and anti-theft device discounts. However, it doesn't offer accident forgiveness or new car replacement coverage.
Best Companies for Minimum Coverage in Wisconsin After a DUI
Erie Insurance and State Farm are also the two best minimum coverage car insurance providers in Wisconsin for DUI drivers. While minimum coverage is cheap, it may not be sufficient to cover your expenses if an unfortunate event occurs.
1
ErieBest minimum coverage after a DUI
Score:5
Erie minimum coverage insurance policies in Wisconsin cost non-DUI drivers $343 per year, compared to $519 for DUI drivers, a 48.81% increase.
More About Erie
Erie ranks high for stability, customer satisfaction and affordability. It also offers additional coverage selections like better car replacement, accident forgiveness and rental car reimbursement.
2
State Farm
Score:4
A State Farm insurance policy with minimum coverage costs $373 per year for non-DUI drivers, while a DUI driver's policy costs $411, an increase of 9.43%.
More About State Farm
We ranked State Farm as one of the highest for financial stability, customer service and affordability. This insurer offers rideshare insurance and several discounts. However, it doesn't provide OEM coverage.
How Much Does Car Insurance Cost in Wisconsin After a DUI?
A DUI conviction in Wisconsin results in an average insurance premium increase of 102.53%. Drivers without DUIs pay an average of $895 per year for full coverage car insurance, while drivers with DUIs pay an average of $1,812 a year for the same coverage. Learn why your insurance rates go up after a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$895
Average Cost with DUI
Full Coverage
$1,811Full coverage policy premiums after a DUI cost:$916 more
This is 102% more expensive.
Having a DUI on your record can result in higher auto insurance rates. DUI drivers are considered high-risk because they're likely to file a claim. Estimate your auto insurance premium based on your personal circumstances using MoneyGeek's auto insurance calculator.
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DUIs can have a significant impact on your finances. Getting a DUI will result in a higher insurance rate, as well as the following penalties:
- Fines, court and attorneys' fees: DUI convictions can often result in fines and court fees, including the cost to hire a lawyer.
- Towing/impound fee: You will pay a fee if you're arrested and your car is impounded and towed.
- Drug education and treatment: The court may require that you complete an alcohol or drug education program.
- DMV reinstatement fee: If you have your license suspended, you will pay a fee to reinstate it.
Getting Car Insurance in Wisconsin After a DUI
After a DUI arrest, obtaining car insurance can be difficult. Companies may refuse to insure DUI drivers, and long look-back periods can prolong the problem in some states. For instance, a DUI conviction in Wisconsin stays on your record for ten years.
MoneyGeek has compiled a list of the best and most affordable insurance companies after a DUI.
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Wisconsin requires that all drivers convicted of a DUI file an SR-22 insurance form. Your insurer sends this document to the state on your behalf confirming that your car insurance coverage meets the state's minimum.
Wisconsin DUI Laws
Driving under the influence can have serious legal implications. The table below provides a summary of the Wisconsin DUI laws and penalties.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) measures the percentage of alcohol in your bloodstream. Wisconsin prohibited drivers over the age of 21 from driving with a BAC of 0.08% or greater. Underage drivers must maintain absolute sobriety. Regardless of your BAC, if a police officer determines you are unfit to drive, you can still be arrested and convicted.
Driving with a BAC at or above 0.15% will result in increased penalties
In Wisconsin, fines are doubled if you have a BAC of 0.17% to 0.199%, tripled if your BAC is between 0.20% and 0.249%, and quadrupled if it is 0.25% or above.
License suspension on first offense
The first time you are arrested and convicted of a DUI, you lose your driver’s license for six to nine months.
Limited driving privileges
If your license is suspended, you can obtain a restricted license entitling you to drive under certain circumstances.
Mandatory ignition interlocks for BAC of 0.15% or higher and repeat convictions
Wisconsin law requires an ignition interlock device for all DUI offenders with a BAC of 0.15% or higher for repeat offenders. The device disables your engine if it detects alcohol on your breath.
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Frequently Asked Questions
Check out MoneyGeek's answers to frequently asked questions to learn more about DUIs and car insurance in Wisconsin.
Methodology
To determine the top companies for individuals with DUIs in Wisconsin, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
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sources
- Wisconsin DOT-Office of General Counsel. "OWI and Related Alcohol and Drug Offense Penalties." Accessed April 26, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 26, 2022.
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods." Accessed April 26, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 26, 2022.