Skip to Main Content
Police pulling over vehicle on the street
Jorge Villalba/Getty Images
Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

A driving under the influence conviction is one of the most serious traffic violations a person can receive and it has a significant impact on auto insurance premiums. In Wisconsin, the average annual premium paid for a full coverage car insurance policy nearly doubles from $1,186 with a clean record to $2,207 with a DUI conviction; still less of an impact than at the national level where the average annual premium increases from $1,674 to $3,336 with a DUI.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.

Save on auto insurance with quotes from trusted providers like:

Progressive

Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?

Allstate

Safe drivers choose Allstate®

Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

DUI laws in Wisconsin

In Wisconsin, a driving under the influence charge is referred to by the legal phrase “operating while intoxicated” (OWI). There are a number of illegal practices and driving behaviors which will constitute an OWI. These include:

  • Driving with a Blood/Breath Alcohol Concentration (BAC) of 0.08 or greater.
  • Driving while under the influence of an intoxicant.
  • Driving with a detected level of a legally controlled substance in the blood.
  • Driving while under the influence of a controlled substance or any other drug.

A person can be charged and convicted of an OWI if the requisite levels of alcohol or an illegal drug are detected in the blood. However, this is not the only time a conviction can be received. A driver can also be charged for an OWI based solely on behavior observed by an arresting officer. This behavior may include weaving while driving or an inability to perform certain tasks after being pulled over and during a field sobriety test.

Punishment for an OWI conviction can be severe. Though there is no jail time prescribed for a first offense or for a second offense occurring more than ten years after the first, there is a fine up to $300 and license revocation for six to nine months. For a second OWI offense committed within ten years of the first, and for all subsequent convictions, the violator is subject to incarceration. For this second offense, incarceration from five days to six months may be imposed. Incarceration increases in duration for each subsequent conviction as follows:

  • Third offense – 45 days to 1 year
  • Fourth offense – 60 days to 6 years
  • Fifth or sixth offense – 1 to 10 years
  • Seventh, eighth or ninth offense – 3 to 12.5 years
  • Tenth or greater offense – 4 to 15 years

How a DUI affects your car insurance in Wisconsin

Because average annual car insurance premiums in Wisconsin are well below the national average, it is not surprising that the average premium in Wisconsin after a DUI conviction remains less than the national average under the same circumstances. Nevertheless, premiums do increase 86% in Wisconsin after a DUI, and there are other problems in maintaining insurance following conviction.

Drivers convicted of a DUI are viewed as high risk drivers by insurance companies. As such, car insurance companies will charge more for car insurance. There are no laws that require an insurance company to insure a driver with a DUI. Some states do prevent carriers from canceling an existing policy after a DUI, but the insurer is under no obligation to renew coverage once the existing policy expires.

There are additional burdens most states impose on drivers convicted of a DUI. The most significant is a requirement that the driver comply with laws to have an SR-22 filing. (In Florida and Virginia, an FR-44 form is required.) This form is evidence to prove that you carry a set minimum of liability coverage. This limit is often a higher amount than normally required.

Pre-DUI Post DUI Percent increase
Wisconsin $1,186 $2,207 +86%
National average $1,674 $3,336 +99%

Finding car insurance after a DUI in Wisconsin

Though many companies raise rates significantly after a DUI conviction while others may not offer coverage at all, there are some carriers more willing than others to work with high risk drivers to provide reasonable car insurance coverage.

The first step in finding affordable options to obtain car insurance following a DUI is, of course, to speak with your current carrier, be candid and ask about options. If you find it necessary to look elsewhere, the best way to determine which companies will be more accommodating in insuring drivers with a DUI conviction is to contact a number of carriers, such as those listed below.

Car insurance company Average annual premium after a DUI
Progressive $2,067
USAA $2,126
Erie $2,152
American Family $2,368
State Farm $2,481

Frequently asked questions

How will a DUI in Wisconsin impact my criminal record?

In Wisconsin, a DUI conviction (not an arrest and subsequent dismissal) will remain on a driver’s record permanently. There are various ways to reduce the impact of a DUI on insurance rates after a length of time and it is possible to have a DUI record expunged. You should consult with a lawyer about both of these options.

Are there steps I can take to mitigate the impact a DUI will have on my car insurance premiums?

Most of the discounts and related strategies employed to reduce premiums for auto insurance generally can be especially helpful to offset premium increases resulting from a DUI conviction. These include bundling several policies with one carrier, installing safety and anti-theft devices on the insured vehicle and taking courses to improve driving skills.

Will my insurance company always discover a DUI conviction on my record?

There is no certainty that a car insurance company will learn of a DUI conviction during the term of a policy. Unless a carrier has an internal practice of checking insured driver records periodically, they will likely not learn of the conviction from a state DMV and the insured is not obliged to disclose this fact. Insurance companies do however check driving records of new auto insurance applicants and at policy renewal.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Up next
Part of Finding the Best Car Insurance Wisconsin