Auto Insurance with Bad Credit in Wisconsin

The Zebra
March 12, 2019

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.


Car insurance for drivers with bad credit in Wisconsin:

  1. Average rates
  2. Rates by city
  3. Rates by company

Auto insurance rates with 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.


WISCONSIN CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Wisconsin
Worst$2,003
Poor$1,783
Below Fair to Poor$1,646
Average — All Credit Tiers$1,040

Compare car insurance rates today!


Car insurance rates with a bad credit score in Wisconsin cities

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.


BAD CREDIT CAR INSURANCE RATES IN WISCONSIN CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage 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
Racine000

Find affordable auto insurance with a bad credit score today!


Best car insurance companies for bad credit in Wisconsin

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.


WISCONSIN CAR INSURANCE PREMIUMS WITH BAD CREDIT — BY COMPANY

CompanyAverage 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:

  1. See auto insurance quotes
  2. Be smart with your claims
  3. Know what determines car insurance rates