Erie Insurance and State Farm are the two best auto insurance companies for drunk driving offenders in Wisconsin who want car insurance with full coverage. Nearly all motorists convicted of drunk driving face increases in insurance premiums that range from approximately 25% to 370%. Wisconsin drivers can expect their insurance rates to skyrocket by approximately 45%. If you have a history of drunk driving, expect to pay more for car insurance, but you may be able to find cheap insurance with a DUI.
Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates. Whenever you want to buy a new insurance policy or renew an existing one, the insurance company will review your Motor Vehicle Report (MVR), which is a report of your driving history issued by your state's department of motor vehicles. The best car insurance company for a driver with a DUI may not be the same company that has great rates for good drivers. Finally, if you cancel your SR-22 insurance because you are changing insurance companies, you must cancel the old policy a few days after the new one begins.
Unfortunately, there is no quick fix for finding cheap car insurance in Wisconsin after an OWI conviction. As a high-risk driver, you may need to look for non-standard auto insurance companies that offer coverage to people with a poor driving record. The cheapest car insurance companies after a DUI are State Farm, Travelers and Progressive, according to the WalletHub analysis. The FR-44 is a state-issued form that verifies that the driver has a certain amount of auto insurance coverage.
You'll most likely lose any discount you have for drunk driving and you'll have a fare surcharge, but you can still look for discounted car insurance after a DUI by paying in full, insuring multiple vehicles, or combining auto and home policies. Instead, the reason you need the SR-22, such as a drunk driving charge, is what influences what you pay for car insurance. For example, people in Washington can pay about 33% more for car insurance coverage after a conviction for drunk driving or DWI, while people in North Carolina typically pay about 300% more for coverage. Your current auto insurance company may not have the best DUI insurance rates, so shop around to see who has them.
Drivers are not legally required to inform their insurance company when they are found guilty of driving under the influence of alcohol, and the insurer will not receive any notice from the state DMV. A conviction for drunk driving makes it difficult to take out car insurance and increases premiums by 7% to 296%, depending on the state and the insurer, so it's important to get the cheapest possible coverage. Shopping with several insurance companies to compare auto insurance quotes is your best bet for saving money.