The words “low-cost” and “insurance” probably shouldn’t be used together, especially when comparison shopping for the lowest insurance prices for drivers with a DUI. Because it’s so expensive, let’s go over a few of the things that help determine auto insurance prices, and come up with some ways to reduce the cost of the next policy you buy.
Establishing which insurers offer the lowest-priced insurance rates for drivers with a DUI will require a little more sweat in order to find the lowest price quote. Every car insurance company has their own guidelines to set their prices, so let’s take a look at the insurance companies with the overall best prices in Wisconsin.
Find Cheaper Auto Insurance after a DUI
|Rank||Company||Cost Per Year|
|7||Rural Mutual Insurance||$756|
|11||West Bend Mutual||$899|
|15||Auto Club Group||$968|
|Get a Custom Quote Go|
USAA generally has some of the cheapest car insurance rates in Milwaukee at around $598 a year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also be considered some of the most economical Milwaukee, WI car insurance companies.
As the rates illustrate above, if you currently buy coverage from Nationwide and switched to Partners Mutual, you might see an annual premium reduction of upwards of $113. Customers with Pekin Insurance might save as much as $113 a year, and Rural Mutual Insurance policyholders might reduce prices by as much as $124 a year.
To find out how your current rates compare, click here to start your free quote or visit any of the low-priced companies below.
These policy rates are averages for all types of insureds and vehicles and and are not figured with a vehicle location for drivers with a DUI. So the car insurance company that can offer you the best price may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.
The vehicle that needs insurance is one of the main factors that determines whether or not you find economical auto insurance for drivers with a DUI. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models. The next list features auto insurance prices for some of the most cost-effective vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$2,494|
|Honda Accord LX 4-Dr Sedan||$2,499|
|Hyundai Elantra GLS Touring Station Wagon||$2,494|
|Honda CR-V EX-L 2WD||$2,550|
|Nissan Altima 2.5 4-Dr Sedan||$2,956|
|Chevrolet Malibu LS||$2,964|
|Ford Explorer Eddie Bauer 2WD||$2,974|
|Toyota Tacoma 4WD||$2,984|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$3,028|
|Ford Edge SE AWD||$3,093|
|Ford F-150 STX Super Cab 4WD||$3,126|
|Toyota RAV4 Sport 2WD||$3,153|
|Get a Custom Quote Go|
Data based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific Milwaukee, WI garaging location which can impact insurance rates noticeably.
Looking at the numbers, we can presume that makes and models like the Ford Escape, Honda Accord, and Hyundai Elantra are a few of the less-costly vehicles to insure after getting a DUI. Car insurance rates will be more expensive just because there is more liability exposure for drivers with a DUI, but generally speaking those makes and models will most likely have the least expensive rates compared to other vehicles.
The chart below demonstrates how deductibles can change yearly insurance costs when quoting cheap insurance for drivers with a DUI. The information is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 50-year-old driver could lower their policy premium by $158 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $238 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save $390 annually by choosing a larger deductible amount.
If you make the decision to raise deductibles, it will be necessary to have enough savings to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Finding the top auto insurance company can be a challenge considering how many companies are available to choose from in Wisconsin. The company rank data shown next may help you analyze which insurers to look at when buying insurance for drivers with a DUI.
The rankings below are only made up of companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for this list. To get price quotes from these and other competitive companies, click here.
Top 10 Major Auto Insurance Providers in Milwaukee Ranked by Value
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Top 10 Major Auto Insurance Providers in Milwaukee Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- Erie Insurance
- The Hartford
Get discount Milwaukee insurance
Insurance companies that offer coverage for drivers with a DUI may have special discounts that can lower rates by 30% or more if you can meet the requirements. A list of insurance companies and some of their more popular discounts include:
- GEICO offers premium reductions for driver training, good student, federal employee, military active duty, membership and employees, anti-theft, and seat belt use.
- Travelers may have discounts that include new car, early quote, payment discounts, save driver, driver training, good student, and IntelliDrive.
- Farm Bureau may include discounts for multi-policy, multi-vehicle, good student, renewal discount, driver training, and 55 and retired.
- Liberty Mutual discounts include preferred payment discount, newly married, new move discount, new graduate, hybrid vehicle, teen driver discount, and safety features.
- American Family has savings for good student, accident-free, TimeAway discount, multi-vehicle, defensive driver, mySafetyValet, and early bird.
- Progressive may offer discounts for good student, homeowner, online signing, multi-policy, continuous coverage, multi-vehicle, and online quote discount.
The chart below compares insurance rates with and without discounts applied to the premium. The rates are based on a female driver, two citations and no at-fault accidents, Wisconsin state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paperless filing, multiple vehicle, continuous coverage, multiple policy, homeowner, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for drivers with a DUI is 28% or $343.
Chances are good that you’re overpaying for Milwaukee car insurance
Wisconsin insurance rates are calculated based on many things that control the cost of a policy. Simply getting older, increasing deductibles, or getting into an accident can trigger price changes resulting in some rates now being much cheaper than others. Not only may things change on your end, but auto insurance companies change premium rates multiple times each year in order to maintain liquidity for claims. Unexpectedly high claims may cause more expensive prices, while a better loss history may cause cheaper Milwaukee car insurance rates.
To help illustrate this point, the graph below shows the companies that have the cheapest car insurance in Milwaukee, WI for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current situation, USAA has the cheapest car insurance rates in Milwaukee at $874 annually. This is $287 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also make the list of the cheapest Milwaukee, WI auto insurance companies.
Now let’s give the driver in the first chart a chargeable claim, slightly worse credit, and a stop sign violation. Due to the fact that every auto insurer has a different process for setting rates, comparing prices may result in a different set of the cheapest Milwaukee car insurance companies as shown below.
Nationwide now has the lowest car insurance rate in Milwaukee, WI with Western National, Integrity Mutual, Travelers, and The Hartford completing the list. This example proves why Wisconsin drivers need to take the time to shop around to get cheap insurance rates for drivers with a DUI.
Car insurance prices consist of many risk factors and can increase or decrease at any time, so the cheapest company the last time you checked may now be quite expensive.