If you party a little too hard and manage to get a DUI or an OWI in Wisconsin, your car insurance will increase, no doubt about that. The only question you need to think about is by how much. Even a single DUI (Driving Under the Influence) or OWI (Operating While Intoxicated) conviction can have an adverse impact on the cost of your car insurance in Wisconsin.
In Wisconsin, a charge of driving under the influence is referred to as ‘operating while intoxicated’ or (OWI). There is a multitude of prohibited driving techniques and actions that will result in an OWI. These are some examples:
- Driving while having a Blood/Breath Alcohol Concentration (BAC) of 0.08 or above.
- Driving under the influence of an intoxicant.
- Driving while having a detectable blood level of a legally controlled substance.
- Operating a vehicle when impaired by a restricted substance or any other drug.
People will, unfortunately, make mistakes and have lapses in judgment occasionally. Let’s see how much such a lapse can affect your car insurance rates in Wisconsin.
Will a DUI impact my car insurance premium in Wisconsin?
Almost all motorists convicted of drunk driving face insurance premium increases ranging from approximately 25% to 370%. Wisconsin drivers can expect to have their insurance rates shoot up by approximately 45%.
The average Wisconsin driver who has never been convicted of drunk driving spends an average of $1,145 a year for automobile insurance coverage. The average Wisconsin driver with a drunk driving conviction, on the other hand, may expect to pay roughly $1,675 per year for coverage, a difference of $530 per year.
Seeing your insurance prices jump after an OWI is band enough. To make things worse, you may also find that insurers are hesitant to offer you coverage at all because of your conviction. In these cases, it may be beneficial to get insurance quotes from several providers in Wisconsin to locate one who can offer you the best rates for car insurance in Wisconsin.
For how long does an OWI stay on my record in Wisconsin?
Unfortunately, an OWI stays on your record for life in Wisconsin. Even if you have a flawless record before your offense, most providers would consider you a ‘high-risk driver’ if you have a DUI conviction. It makes no difference if you have never been in an accident in your life. In fact, if you have been convicted of drunk driving, some insurance companies may refuse to insure you at all. If you’ve had a DUI in the past, insurance companies may view you as a bigger risk and raise your premiums even more.
The good news is that after five years have passed after your first OWI offense and you’ve maintained a clean driving record, it may stop affecting your car insurance rates in Wisconsin.
How can I reduce the impact a DUI will have on my car insurance in Wisconsin?
Unfortunately, there is no quick fix to find cheap car insurance in Wisconsin following an OWI conviction. Your best option is to look around for the most forgiving insurance provider. Insurance costs will also differ depending on several other factors like your location and number of offenses. If you have a DUI/OWI on your record and are looking to find low-cost insurance in Wisconsin, it wouldn’t hurt to get a quote from the Way.com website or app. You will be able to compare quotes from several insurance companies and to see the prices they offer while providing a decent amount of coverage.