Finding out which company has the cheapest insurance rates for drivers with a DUI will involve a tad more effort than just picking a company at random.
Each company has a unique approach for determining prices, so we’ll go over the overall cheapest insurance companies in Madison. It’s important that you understand Wisconsin insurance rates are based on many factors that control the policy premium. Turning one year older, getting married, or getting a reckless driving citation may cause policy rate changes that may make certain companies cheaper in comparison to the competition.
Best Cheap Insurance Rates after a DUI
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $604 |
| 2 | Partners Mutual | $614 |
| 3 | Rockford Mutual | $724 |
| 4 | Erie | $724 |
| 5 | Nationwide | $752 |
| 6 | Pekin Insurance | $768 |
| 7 | Rural Mutual Insurance | $772 |
| 8 | Integrity Mutual | $786 |
| 9 | Western National | $793 |
| 10 | Travelers | $796 |
| 11 | State Farm | $905 |
| 12 | The Hartford | $912 |
| 13 | West Bend Mutual | $917 |
| 14 | General Casualty | $926 |
| 15 | Auto Club Group | $977 |
| 16 | American Family | $1,125 |
| 17 | Auto-Owners | $1,148 |
| 18 | Progressive | $1,164 |
| 19 | Farmers | $1,176 |
| 20 | GEICO | $1,202 |
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USAA may offer some of the cheapest car insurance rates in Madison at around $604 each year. Partners Mutual, Rockford Mutual, Erie, and Nationwide also rank well as some of the most economical Madison, WI car insurance companies.
As depicted above, if you are insured with Rockford Mutual and switched to USAA, you may see an annual savings of around $120. Drivers with Erie might save as much as $120 a year, and Nationwide customers might realize rate reductions of up to $148 a year.
Be aware that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for drivers with a DUI. So the car insurance company that fits your situation best may not even be in the top 30 companies shown above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
After getting a DUI, one of the more important criteria that are looked at to help calculate the amount you pay for auto insurance is where you live in Madison. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.
The next table ranks the most expensive cities in Wisconsin for drivers with a DUI in which to purchase auto insurance. Madison is ranked #13 with the yearly price of $1,062 for the average policy, which is approximately $89 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Milwaukee | $1,354 |
| 2 | Wauwatosa | $1,319 |
| 3 | West Allis | $1,234 |
| 4 | Kenosha | $1,218 |
| 5 | Racine | $1,217 |
| 6 | Beloit | $1,164 |
| 7 | Greenfield | $1,156 |
| 8 | Oak Creek | $1,154 |
| 9 | Franklin | $1,117 |
| 10 | Eau Claire | $1,091 |
| 11 | Brookfield | $1,077 |
| 12 | Menomonee Falls | $1,068 |
| 13 | Madison | $1,062 |
| 14 | New Berlin | $1,060 |
| 15 | Waukesha | $1,054 |
| 16 | Janesville | $1,053 |
| 17 | La Crosse | $1,053 |
| 18 | Wausau | $1,047 |
| 19 | West Bend | $987 |
| 20 | Green Bay | $969 |
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Annual rates are estimated as specific Madison garaging address can change coverage rates significantly.
The vehicle model you are insuring is one of the largest considerations when trying to find the lowest-priced coverage for drivers with a DUI. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The table below illustrates auto insurance premiums for the cheapest vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Odyssey LX | $1,510 |
| Honda CR-V LX 4WD | $1,518 |
| Ford Explorer Eddie Bauer 2WD | $1,541 |
| Ford Escape XLT 4WD | $1,634 |
| Honda Accord EX-L 4-Dr Sedan | $1,650 |
| Hyundai Elantra SE 4-Dr Sedan | $1,719 |
| Chevrolet Impala LTZ | $1,724 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,750 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,761 |
| Ford Focus SE 4-Dr Sedan | $1,766 |
| Toyota Prius | $1,774 |
| Chevrolet Equinox LT 2WD | $1,799 |
| Ford Edge Limited 2WD | $1,855 |
| Toyota Camry Hybrid | $1,866 |
| Ford F-250 XL Harley Edition 2WD | $1,876 |
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Table data represents single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can decrease or increase rates greatly.
Looking at the rates, we can tell that vehicles like the Honda Odyssey, Honda CR-V, and Ford Explorer will definitely be the less-costly vehicles to insure after getting a DUI. The price of auto insurance will trend higher because of the fact that there is more exposure for drivers with a DUI, but generally speaking those makes and models will probably have the best rates possible.
How much more does full coverage cost in Madison?
Reducing the cost of insurance is important to most vehicle owners, and an effective way to buy cheap insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of insurance rates with full coverage and liability only. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage insurance costs an additional $1,476 per year more than just buying liability only. That amount may make you wonder if buying full coverage is a good investment. There is no exact rule of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
The example below shows how choosing a deductible can impact premium costs when searching for cheap insurance for drivers with a DUI. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $224 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $338 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could reduce their rates $746 or more by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Impact of citations and accidents on Madison insurance rates
The recommended way to enjoy the best insurance prices after getting a DUI is to be a good driver and avoid getting tickets or having accidents. The information below illustrates how traffic citations and at-fault claims impact car insurance costs for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,092. Get written up for two speeding tickets and the average cost rises to $1,440, an increase of $347 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for drivers with a DUI jumps again to an average of $1,789. That’s an increase of $696, or $58 per month, just for not paying attention while driving!