Best Car Insurance After a DUI in Wisconsin (Top 10 Companies for 2024)

 

Progressive, Geico and State Farm offer the best car insurance after a DUI in Wisconsin. Combined with suitable discounts, these companies offer competitive monthly rates starting at $22.

Each insurer balances cost, coverage, and customer care, making them the top choices for Wisconsin drivers looking to bounce back after a DUI. Learn what happens if you get a DUI and explore the article to find the company that best suits your needs.

 

Our Top 10 Company Picks: Best Car Insurance After a DUI in Wisconsin

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

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#1 – Progressive: Top Overall Pick

Pros

• Competitive Prices: Progressive is a good value for Wisconsin drivers with a DUI, offering some of the lowest rates. Check out our Progressive insurance review & ratings to learn more.
• Discounts: They can keep the car insurance they would have had their DUI not happened—and even qualify for various discounts to lower their overall costs in many cases.
• Excellent Mobile App: After a Wisconsin DUI, the mobile experience must be intuitive so that claims can be filed and policy status updates can be viewed.

Cons

• Higher Rates: Progressive is a lot more expensive than average for DUI drivers and more costly for these same drivers compared to those without a DUI.
• Restricted Accident Forgiveness: Although Progressive offers accident forgiveness, Wisconsin drivers with a DUI might find it only applies to other accidents.

#2 – Geico: Best for Online Tools

Pros

• Easily Manage DUI-Related Policies: Wisconsin residents can simplify DUI policy management through Geico. Explore our Geico auto insurance review to get more details.
• Reasonably Priced: In Wisconsin, Geico has much better than moderate rates for drivers whose DUIs cost their licenses.
• Discounts for Safe Driving: After a DUI, it only takes a little until a Wisconsin driver is eligible again for safe-driving discounts to help lower insurance premiums.

Cons

• Most significant Rate Increases: Geico has the highest vehicle insurance premiums for DUI drivers in Wisconsin compared to pre-DUI rates.
• Few Physical Locations: Since Geico relies heavily on online and phone support, Wisconsin drivers may need help finding locations to get in-person assistance.

#3 – State Farm: Best for Individual Touch

Pros

• Local Agents: Alcohol-related DUI offenders in Wisconsin can use local agent insight since they often know how to help drivers with more complicated insurance needs.
• Better Prices after Safety Course Completion: Wisconsin drivers who are issued a DUI can also take courses to receive approved safety completion, which allows a price reduction.
• Bundling Options Available: State Farm offers discounted bundle options for home, auto, and other policies to Wisconsin drivers after a DUI.

Cons

• Higher Premiums Versus the Competition: Individuals with a DUI conviction may still pay higher rates with State Farm than other Wisconsin insurers.
• Challenging to Qualify for Discounts: Wisconsinites with a DUI may not be able to get all the discounts they hope for on their premiums. Read our State Farm insurance review & ratings to find out more.

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#4 – American Family: Best for Local Support

Pros

• Individual Assistance: American Family has agents who understand Wisconsin DUI laws, ensuring DUI drivers receive personalized assistance.
• Number of Discounts: Wisconsin has DUI drivers covered with other discounts such as good student or multi-policy to get that premium lower.
• Flexible Payment Plans: Another benefit of American Family coverage is that it allows flexible payment plans. Discover our American Family car insurance review for further insights.

Cons

• More Costly: If you get a DUI, you will likely be assessed higher premiums than carriers with aggressive pricing models. Read our review of American Family car insurance for more details.
• Affinity of Non-Standard Options: American Family may have fewer non-standard policies or coverages available to high-risk operations for DUI drivers.

#5 – Allstate: Best for Overall Coverage

Pros

• Excellent Claims Process: Allstate’s claims process is easy to use overall, which is a plus for DUI drivers in Wisconsin. Browse our Allstate auto insurance review to gain more information.
• Availability of Specific Coverage: Wisconsin drivers can also find specific coverage options, such as SR-22 filing, for those in need after a DUI.
• Rewards for Safe Driving: Allstate Offers safe driving rewards after a DUI. Driving record discounts: Allstate provides discounts for safe driving after a DUI, which can help lower your future premiums.

Cons

• Higher Premiums Compared to Others: Allstate DUI rates in Wisconsin are often higher than competitors and may not be ideal for some with a DUI on their record.
• No Discounts for DUI Drivers: Allstate prohibits some discounts from applying to DUI drivers, cutting Wisconsin residents’ savings potential.

#6 – Nationwide: Best for High-Risk Drivers

Pros

• Tailored Policies: Nationwide custom policies for DUI drivers: For those with DUIs in Wisconsin, Nationwide has particular custom policies enabling high-risk drivers to receive coverage.
• Get a Vanishing Deductible: Wisconsin drivers convicted of DUI can lower their deductible over time as they display safe driving behavior.
• Coverage in Wisconsin: Nationwide has a heavy presence in WI, so drivers arrested for DUI can easily find localized support and optimal services.

Cons

• Above-Average Rates Post-DUI: Typically Higher After a DUI, Nationwide competes in the DUI high-risk market. Refer to our Nationwide car insurance review for additional details.
• Fewer Options For Repeat Offenders: Nationwide tends to cater primarily toward first-time DD drivers, which means Wisconsin drivers with multiple DUIs may have fewer options.

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#7 – Dairyland: Best for High-Risk Insurance

Pros

• Focus on High-Risk Insurance: Dairyland has carved out a niche with its policies for drivers with DUIs who cannot find coverage with any other policy provider in Wisconsin.
• SR-22 Filing Assistance: Dairyland helps Wisconsin DUI drivers file the SR-22 filings they need to comply with state law. Visit our Dairyland car insurance review to get the full scoop.
• Varied Payment Plans: For Wisconsin DUI drivers, Dairyland has flexible payment plans that help manage insurance premiums.

Cons

• Rates on the Higher Side for DUI Drivers: Since Dairyland specializes in writing insurance for high-risk drivers, its rates are generally higher for Wisconsin drivers with a DUI.
• Limited Discount Opportunities: Wisconsin DUI drivers face limited discount opportunities compared to larger insurers with broader offerings.

#8 – Travelers: Best for Flexible Coverage

Pros

• Flexible DUI Coverage: You can also choose from multiple levels of coverage for the DUI driver, providing the legal minimum in Wisconsin. 
• Best First Offense DUI Rates: Wisconsin drivers facing their first DUI will find some of the best rates with Travelers. To learn more, read our Travelers car insurance review.
• Responsible Driver Programs: Depending on the state, there may be programs where Wisconsin drivers can engage in safe driving after a DUI, which will gradually lower premiums.

Cons

• Limited Coverage: DUI drivers will have these options limited, and this can limit some policyholders in Wisconsin.
• Significant Rate Hikes: Travelers offer competitive rates, but drivers in Wisconsin can expect sizeable bumps to their premiums due to DUI convictions.

#9 – Liberty Mutual: Best for Bundling Multiple Discounts

Pros

• Many Discounts: Liberty Mutual offers many different types of discounts, some even for DUI drivers in WI. Consult our Liberty Mutual auto insurance review to learn more.
• DUI accident forgiveness: With Liberty Mutual, Wisconsin drivers with a DUI can get accident forgiveness to avoid steep premium hikes after minor accidents.
• SR-22 Filing Service: Liberty Mutual offers an SR-22 filing service, which is essential for any Wisconsin DUI driver needing to meet state insurance requirements.

Cons

• Big Dollar Amount spike: Even factoring in discounts, premiums for DUI drivers in Wisconsin will take a significant hit.
• Not Ideal for DUI in Wisconsin: Liberty Mutual relies a lot on online service, which might not be the best solution if you’re looking for local support as a DUI driver.

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#10 – Auto-Owners: Best for Customized Plans

Pros

• Flexible DUI Policies: Auto-Owners delivers unique service through local agents who can create custom policies for DUI drivers in Wisconsin. For more insights, dive into our Auto-Owners insurance review.
• Reduced Penalties for Completing Safety Courses: Wisconsin drivers who complete specific department-approved safety courses may earn excellent discounts—even post-DUI.
• Excellent Customer Service: Auto-Owners is known for its superb customer service, which can be particularly helpful to DUI drivers in Wisconsin with unique needs related to their policy.

Cons

• Less Choice in Discounts: Bigger companies may have a wider variety of discounts available with Auto-Owners, which could be more limited for Wisconsin DUI drivers.
• Higher Premiums for Multiple Offenses: Auto-Owners rack up the highest premiums statewide and raise the rates significantly when a Wisconsin driver has more than one DUI.

Wisconsin DUI Car Insurance Monthly Rates by Provider & Coverage Level

Insurers view DUI offenders as high-risk drivers, and a DUI charge can nearly double or triple the cost of car insurance rates in Wisconsin.

Wisconsin DUI Car Insurance Monthly Rates by Provider & Coverage Level

 

Because DUI offenses are more prone to accidents and legal issues, in some jurisdictions, those convicted of a DUI may need to pay (again) by having an SR-22 on file showing that they meet minimal liability coverage—further expense.

Car Insurance Discounts From the Top Providers After a DUI in Wisconsin

Beyond insurance, DUI charges may also lead to having your license suspended, having to take alcohol education classes, and needing an ignition interlock device on your car. This has lasting effects, making it hard for years to find inexpensive insurance coverage.

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Review coverage options and rates from multiple insurers to find the most cost-effective car insurance in Wisconsin. Look for companies that offer discounts based on factors like good driving habits or bundling policies.

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Additionally, the level of customer service and satisfaction ratings, which can reflect the insurer’s reliability, should be considered. These factors and an insurer’s financial strength play a key role in choosing the right provider.

Best Car Insurance Options for Drivers with a DUI in Wisconsin

Now that we’ve discussed the critical factors to consider when choosing an insurance company, let’s explore the best car insurance options for drivers with a DUI in Wisconsin. While every situation is unique, a few insurance providers consistently offer competitive rates and coverage options for high-risk drivers, especially regarding DUI and future opportunities.

Progressive

Wisconsin DUI drivers can get good coverage options from Progressive, but premiums will be much higher than average because DUIs are a sign of higher risk. With various optional add-ons, such as accident forgiveness and roadside assistance features, Progressive has flexibility that’s especially suitable for drivers with a DUI.

Progressive — One of the best features of Progressive is Snapshot, which gives discounts for safe driving; this means you could lower your premiums in subsequent years with great driving after a DUI. On the other hand, their rates can be very high for high-risk groups, and they usually have SR-22 filings, which is also an added expense.

Concerning the quote comparison process, Progressive provides an array of online tools that make it easy for consumers to compare quotes; however, customer reviews about claims handling are mixed, with some customers referencing slow response times when demand was high.

Geico

High-risk drivers, such as those with a DUI conviction, usually receive reasonably competitive rates from Geico, but even so, they may face a substantial rate increase. Geico gets top marks for convenience with online quotes, virtual policy management, and a mobile app that makes it easy to track your insurance.

Although Geico offers the ability to file an SR-22 certificate (often needed after a DUI), Many drivers claim that when it comes to DUI rates, Geico doesn’t compete as closely with other companies. If you have a DUI education program, their Driver’s Education Discount might get you some lower rates – but not necessarily.

Regarding customer reviews, Geico seems well-received in the claims department and is frequently praised for its speed and efficiency. The good news is that Geico has discounts for bundling policies and other safe-driving behaviors, though these may not fully counterbalance a premium increase after a DUI.

State Farm

State Farm is one of the largest insurers in Wisconsin, and while they provide coverage for drivers with a DUI, expect your rates to increase due to the DUI conviction. State Farm has a reputation for offering personalized service, and its agents can work with DUI drivers to explore options. They provide the SR-22 form for DUI offenders, which can be filed quickly through your agent.

One notable feature is State Farm’s Drive Safe & Save program, which uses telematics to track your driving habits and can result in discounts if you demonstrate responsible driving after your DUI. However, DUI drivers may still face significant rate hikes. While their claims process is generally efficient, some customers have reported that the rate increases following a DUI are higher than with other providers.

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How To Reduce Your Insurance After A DUI

Although you will likely pay more to insure your car after a DUI, you have options for reducing the cost of coverage. The critical thing to remember is that every insurance company has its rate-setting policy and the factors it uses to set rates. Here are a few things that could enable you to get cheaper car insurance post-DUI, including avoiding a DUI arrest.

DUI Classes / DUI Programs

Going to driving under the influence courses or rehabilitation classes shows an effort to drive more safely. These programs help drivers refine their skills and habits, and some insurance companies reward them with discounts for completing them.

Safe Driving Discounts

Maintaining a clean driving record moving forward is one of the most significant factors affecting your insurance rates. A few insurance companies provide a claim-free designated driver price cut to drivers who avoid accidents and additional road legitimate issues.

Raising Your Deductible

You may also increase your deductible if you feel comfortable taking on more financial risk. Personalized understanding: When your insurance policy starts working only after you meet the minimum threshold expenditure (deductible), which is up to a specific limit paid by you. You can lower your monthly premiums by increasing your deductible.

Wisconsin DUI Penalties For Offenders

Besides the effect on your car insurance prices, a DUI conviction in Wisconsin has legal consequences that could impact all aspects of your life. So, what are the penalties for first-time and repeat offenses, including your legal rights at a DUI checkpoint?

First Offense Penalties

In Wisconsin, a first-offense DUI will carry fines of $150-$300 and likely additional court costs. Your license will also be suspended for six to nine months.

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You could also be ordered to install an ignition interlock device (IID) in your vehicle, undergo alcohol evaluation programs, and even be sentenced to six to nine months of incarceration, depending on your situation.

Repeat Offense Penalties

A DUI in Wisconsin, where you are convicted of these second or further offenses, will be treated with even harsher penalties. Penalties can be set anywhere from $350 to $1,100, with a minimum suspension of your driver’s license for 12 months and up to 36 months.

You may also need to install an IID, undergo alcohol treatment programs, and go to jail for up to one year.

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These penalties depend on BAC level, previous convictions, and other aggravating factors. If you are slapped with a DUI charge, getting legal advice will help you understand what options are available and the consequences that can be incurred.

Car Insurance After a DUI in Wisconsin: Summary and Insights

So, if you have a DUI conviction in Wisconsin, it is vital to be aware of its effects on your car insurance rates. High-risk drivers with a DUI tend to see their premiums skyrocket, but finding affordable coverage may still be possible simply by choosing the right insurance company and taking measures to reduce your rates.

When choosing an insurance company, we recommend you look for coverage, the financial soundness of this provider, and its reputation. Also, understand the penalties involved with a DUI and get legal help to navigate the legal process. By taking some steps, you can get the best car insurance for Wisconsin drivers with a DUI, including a drunk driving overview.

Enter your ZIP code in our free quote comparison tool to find affordable auto insurance, no matter your driving record.

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