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It can be tough to find affordable car insurance if you have bad credit. Auto insurers use credit history as a rating factor, setting prices based in part on clients' credit scores. Because auto insurance companies rely on historical data showing drivers with bad credit histories are more apt to file car insurance claims, they account for for the additional risk by charging more.
How much you pay for car insurance with bad credit depends on which company you choose, where in Wisconsin you live, and an array of other rating factors. See below average insurance prices for drivers with bad credit in primary Wisconsin cities, alongside rates from large insurance companies, , along with tips to save on auto insurance if you have bad credit in Wisconsin.
Drivers in Wisconsin face an average penalty of $963 annually for having a credit score at the low end of the scale. A driver in the "poor" or "below fair to poor" credit tiers will also face higher-than-average rates.
| Credit Tier | Average Annual Rate in Wisconsin |
| Worst | $2,003 |
| Poor | $1,783 |
| Below Fair to Poor | $1,646 |
| Average — All Credit Tiers | $1,040 |
Your auto insurance rates also depend on the geographic area where you park your car. Insurance companies look at your address to better understand your likelihood of filing a claim: the more claim-prone your area,, the more expensive your rates will be.
Listed below are major Wisconsin cities and their mean car insurance rates for drivers with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Milwaukee | $2,733 | $2,444 | $2,261 |
| Madison | $1,870 | $1,673 | $1,547 |
| Green Bay | $1,724 | $1,540 | $1,425 |
| Kenosha | $2,135 | $1,912 | $1,769 |
| Racine | 0 | 0 | 0 |
Another contributing factor to car insurance rates is the insurance company you buy from. Each and every auto insurance company prices its policies differently, giving rating factors varying weights in their calculations. Credit score can be a primary price differentiator between otherwise-similar insurance companies. In Wisconsin, the most affordable insurance company for drivers with bad credit is GEICO, which offers savings of $23 per year versus the second-cheapest company, SECURA Supreme.
See premiums from leading auto insurance companies in Wisconsin for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit Tier |
| GEICO | $1,216 |
| SECURA Supreme | $1,239 |
| Acuity | $1,339 |
| West Bend Mutual | $1,351 |
| American Family | $1,613 |
If you’re facing the prospect of buying auto insurance with bad credit, keep these tips in mind: