Drunk driving has a major impact on the average insurance rates. After a single Driving Under the Influence (DUI) conviction in Wisconsin, your insurance rate will increase from $1228 to $2284. Even Appleton, the least expensive zip code to buy auto insurance, becomes an expensive place to buy insurance after a DUI on your record. In Appleton, your insurance rate will increase from $796 to $1481. In Milwaukee, your insurance rate increases from $1168 to $2172.

One of the best ways to reduce insurance costs is to take a defensive driving course. The table below shows the reduction in rates after you complete this course.

Defensive driving courses also help make you a better driving, by teaching you to cope with hazardous weather conditions while driving.

The average insurance premium for used cars in the state of Wisconsin is $ 1228 per annum. The data analysis below will give us the highest and lowest insurance average of different car models in Madison and Milwaukee, two of the largest cities in Wisconsin.

The data is available for Madison, the capital of Wisconsin and Milwaukee, largest city of the state. The average insurance premium per annum for Madison and Milwaukee is $ 907 and $ 1168, respectively. This reflects that car buyers in Milwaukee pay more for insurance compared to Madison.

Please note that the used car models belong to the year range of 2005 to 2012.

Comparing the models produced by the car manufacturer Honda- Accord, Civic and CR-V, Honda Civic has the highest insurance average ($ 1121) in Milwaukee City and the lowest insurance average is of Honda CR-V ($ 798) in Madison City. The customers interested in buying the above mentioned Honda cars will be benefit if they buy their cars from Madison.

The average insurance of General Motors’ Chevrolet Silverado is the lowest in Madison city, but the median price is almost the same in both Madison and Milwaukee. While in Madison Silverado’s median price is $ 25999, in Milwaukee it is $ 26500.

The Ford F- Series has been in the market since the year 1948. There is a huge difference of $8000 in the median price of this car in Milwaukee and Madison. The lower insurance average is in Madison.

Toyota’s models- Camry and Corolla are old models which have been revamped every few years. The pattern of average insurance is the same–Madison has the lowest average insurance and median price for both the models.

Nissan’s Altima, also a rival to Toyota Corolla and Honda Civic has the highest insurance out all the mentioned cars in both the cities. In Madison the insurance average for Altima is $926 whereas in Milwaukee it is $ 1193.

The average auto insurance rates in Appleton, Eau Claire, Green Bay, Oshkosh, Waukesha, and Madison are below $1,000. Racine and West Allis also have affordable insurance rates, at $1000 and $1005, respectively. In Kenosha, the average annual insurance premium is $1055, and in Milwaukee it is $1168. On the whole, Wisconsin’s auto insurance rates are lower than the national average, $1496.

These rates could, however, be significantly impacted by accidents on your driving record. After one accident in Appleton your rates would increase from $796 to $980, and after two accidents you will have to pay $1462 every year to insure your car. In Milwaukee, this increase will hit you even harder. After a single accident in Milwaukee, car insurance companies are likely to increase your premium to $1439 and after two accidents to $2146.

Most car insurance companies also follow the Insurance Services Office’s (ISO) surcharge policy, and increase premiums accordingly. The table below shows the premium increase according to this surcharge policy –

If you have been involved in an accident in the past three years, your rates are likely to increase to an amount between $1256 and $1508 in West Allis. In Madison, an accident that caused major property damage or medical injuries that was your fault would cost you an amount between $1361 and $1814.