Cheapest Auto Insurance for Drivers with Accidents in Wisconsin

When writing about car insurance, the word affordable really shouldn’t be used anywhere to describe car insurance prices. Unfortunately, cheap auto insurance for drivers with accidents can seem impossible to find. But fear not, because we will show you how you can find coverage that is considered budget-friendly.

Finding reliable, low-cost insurance is challenging, and determining which company offers the best insurance rates for drivers with accidents will take even more work. Prices will probably be moderately more than the state average, with the higher price attributed to the posibility of more claims that goes along with offering insurance for drivers with at-fault accidents, but competitively-priced insurance may be available if you are thorough. Every insurance company has a unique formula for setting rates, so first let’s look at the rankings for the insurance companies that tend to have lower prices in Wisconsin.

It’s a good idea to know that Wisconsin insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Improving your credit score, getting divorced, or getting into an accident can produce rate changes that can now make some companies more expensive than others.

Best Auto Insurance Prices for Accident Prone Drivers

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USAA has some of the most affordable car insurance rates in Wisconsin at around $586 each year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are also some of the most economical Wisconsin auto insurance companies.

In the rate table above, if you have coverage with Rockford Mutual and switched to USAA, you might see a yearly savings of approxmiately $160. Insureds with Rural Mutual Insurance may save as much as $163 a year, and Pekin Insurance policyholders might reduce prices by as much as $182 a year.

Understand that those rates are averages for all drivers and vehicles and and are not figured with a rate increase for drivers with accidents. So the company that is most affordable for your situation may not even be shown in the company chart above. That is why you need to get rate quotes from many companies using your own individual information.

The car, truck, or SUV requiring coverage is probably the largest consideration when trying to find cheaper car insurance for drivers with accidents. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.

The next tables presents insurance premiums for a handful of the most cost-effective automobiles to buy coverage for.

Premium data assumes married male driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location which can impact premiums greatly.

Premium data assumes married male driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can affect rates significantly.

Premium data assumes married male driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in garaging location in Wisconsin which can raise or lower coverage rates noticeably.

Cautious drivers save money

In a perfect world, the ideal way to obtain the cheapest insurance premiums in Wisconsin for drivers with at-fault accidents is to be a careful driver and have a clean driving record. The chart below shows how violations and accident claims can impact car insurance costs for different age categories. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of an auto insurance policy in Wisconsin per year with a clean driving record and no accidents is $1,259. Get two speeding tickets and the average cost hikes up to $1,734, an increase of $475 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for drivers with accidents goes up to an average of $2,212. That’s an increase of $954, or $79 per month, just for not being attentive to the road!

State Farm, Progressive, Allstate, and Geico: Who is cheapest?

If you’re looking for the best auto insurance for drivers with at-fault accidents, four of the best places to start are State Farm, Progressive, Allstate, and Geico. When added together, they make up nearly half of all car insurance policies written. They all have a slightly different mix of options and features that add value to each policy. The table below breaks down some of the different options and features that may be available in Wisconsin.