Cheap Car Insurance in Kenosha, WI

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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In the market for cheap auto insurance in Kenosha, WI? From AutoInsuranceEZ.com, you will find the most affordable insurance policy close to you. To acquire free car insurance estimates offered by the best providers right now, provide your local zip code in the quote box on this site.

Located on the Southwest shore of Lake Michigan, its close proximity to Chicago and Milwaukee has had a significant effect on Kenosha’s development. Kenosha comes from the Native American word “kinoja” meaning “pike”, a type of trout which were plentiful in the region at that time. In its early years, Kenosha was a major center of manufacturing, but presently serves the Lake Michigan metropolitan area as one of Wisconsin’s best bedroom communities.

  • Fun fact: Kenoshans know how to party! This city was ranked #40 (53140) on the list of “Top 101 zip codes with the most alcohol drinking places in 2005”. Learn more about Kenosha by visiting here.

Auto Insurance Coverage Requirements in Wisconsin

Driving legally in Kenosha requires:

Coverage Requirements Most Common
Bodily Injury Liability 50,000/100,000 100,000/300,000
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury 100,000/300,000 100,000/300,000
Medical Payments 10,000 (but might decline) 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Because Wisconsin only requires motorists to hold mandatory Liability, it provides motorists the chance to save cash every month by only buying minimal insurance. But bear in mind that Liability doesn’t cover you when you get into any sort of accident that was not your fault, in case your vehicle is broken by tornados, or maybe your vehicle will get vandalized or stolen. You’ll have to purchase additional coverage to safeguard against such occasions. To discover whether you’re still finding the best rate, compare cheap Wisconsin vehicle quotes online.

According to our research, the typical monthly premium for Wisconsin auto insurance is often as high as $91 monthly. However, for those who have a clear record along with a relatively a good credit score history, you can get insured by a few of Wisconsin’s top insurance providers for under $42/mo*, as you can tell within the chart below:



Average Monthly Auto Insurance Premiums


Legend:
Kenosha

State Farm
Farmers
Allied
Nationwide
Allstate


10
20
30
40



$34

$44

$43

$45

$46


 

In line with the data above, it appears as if State Farm, Allied, and Farmers are competing for cheapest premiums within Kenosha. But bear in mind there are more things to consider, also. Just how is the customer support record? Could they be available 24/7 if you want to file claims during non-business times? How high will your rate per month spike when you get a ticket? Many of these questions can alter what’s and isn’t affordable according to your conditions.

Those that offer auto insurance policies consider different factors while determining quotes, among them driving experience, zip code, type of vehicle owned, education, and multiple cars and drivers. Furthermore, premiums may alter from one company to another. To ensure you are still getting the most affordable premium, check cheap Kenosha auto insurance quotes on the internet.

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Major Car Insurance Factors in Kenosha

You might feel somewhat hopeless when your car insurance company is evaluating your insurance quote; after all, almost all of the variables these people analyze aren’t things you can easily modify or control. Thankfully, however, there are a few items that you might be in a position to change for improved discounts, such as:

Your Zip Code

Where you park your car nightly will probably have a major influence on your auto insurance rate. Usually, auto insurance cost less in rural areas because a lesser number of automobiles indicates a reduced chance that you’re going to get in an accident with some other car. The population of Kenosha is 99,889 and also the average family earnings are $42,274.



Auto Insurance by Zip Code


Legend:
Green Bay
Kenosha
Madison
Milwaukee
Racine

State Farm
Farmers
Allied
Nationwide
Allstate


10
20
30
40
50
60







$25
$34
$25
$33
$35





$30
$44
$32
$47
$44





$31
$43
$30
$65
$44





$33
$45
$31
$65
$44





$34
$46
$39
$46
$45


 

Automotive Accidents

Considering that Kenosha has so many residents living within the city limits, the low frequency of serious accidents in your area is fairly remarkable. But this is also good news because insurance providers automatically lower insurance rates in areas with safe roads.



Fatal Accidents in Kenosha, WI


Legend:
Kenosha

Fatal accident count
Vehicles involved in fatal crashes
Fatal crashes involving drunk persons
Fatalities
Persons involved in fatal crashes
Pedestrians involved in fatal accidents


1
2
3
4
5
6
7



4

6

1

4

7

1


 

Auto Thefts in Kenosha

Residing in a big urban center (Especially any having a high crime rate) raises your likelihood of being a target for auto thieves. Should your general locality has substantial statistics of claims for theft, you will probably spend much more for car insurance to balanced out these prices. The full amount of stolen automobiles in Kenosha recently fell to 73 for the year 2013. And even though these theft rates are incredibly low, there are many other valid reasons to carry Comprehensive insurance besides protecting against a stolen car.



Basic vs. Comprehensive Auto Policy


Legend:
Basic Coverage
Comprehensive Coverage

State Farm
Farmers
Allied
Nationwide
Allstate


15
30
45
60
75
90
105
120
135
150




$34
$58


$44
$88


$43
$74


$45
$55


$46
$157


 

Your Credit Score

Your credit rating plays a substantial role in what you’ll get billed monthly for the vehicle insurance you carry. Because this chart clearly demonstrates, getting an undesirable credit rating can almost double – or perhaps triple – that which you pay every month to stay insured.



Auto Insurance by Credit Score


Legend:
Excellent Credit
Poor Credit

State Farm
Farmers
Allied
Nationwide
Allstate


10
20
30
40
50
60
70




$28
$73


$37
$77


$35
$56


$32
$50


$46
$66



 

Your Age

Statistically speaking, youthful and unskilled motorists will probably get involved with their first serious accident in 12 months or less of their first driving year. This is exactly why older motorists get billed lower monthly rates – because the insurer isn’t dealing with an enormous financial risk by insuring them. If you’re a youthful teenage driver, try searching into good student discount rates, in addition to Motorists education and defensive driving courses.



Auto Policy Age Comparison


Legend:
34 Year Old
17 Year Old

State Farm
Farmers
Allied
Nationwide
Allstate


35
70
105
140
175
210
245
280
315




$34
$125


$44
$349


$43
$189


$45
$158


$46
$168


 

Your Driving Record

The greater tickets, citations, and violations you’ve collected in your driving history, the greater your payments will eventually be. In addition, for those who have some serious mistakes in their record, like a Drunk driving offense, your insurance provider maybe won’t cover you whatsoever. As you can tell in the chart below, certain violations will spike prices from certain providers.



Driving Violations


Legend:
Perfect Record
Minor Speeding Ticket
DUI/Reckless Driving
Major At-Fault Accident

State Farm
Farmers
Allied
Nationwide
Allstate


15
30
45
60
75
90






$34
$32
$39
$42




$44
$65
$74
$69




$43
$50
$100
$65




$45
$45
$88
$58




$46
$54
$61
$74


 

Your Vehicle

Because of what this chart shows, there’s a substantial distinction between insuring a normal sedan over a fancy sports vehicle. A great slice of that cost increase originates from the truth that an extravagance automobile will need much more coverage than your typical minimum insurance policy.



Car Insurance by Make/Model


Legend:
2015 Honda Accord
2012 Porsche Boxster Spyder

State Farm
Farmers
Allied
Nationwide
Allstate


20
40
60
80
100
120
140
160
180




$34
$99


$44
$106


$43
$81


$45
$59


$46
$191


 

Minor Car Insurance Factors in Kenosha

Of course, some of these minor statistics can also change your bills for the better:

Your Marital Status

With regards to discount rates connected together with your marital status, a lot of companies have completely different opinions on whether married or men and women should pay more. But one advantage that married people have are bundling discount rates. Should you bundle your insurance plan with your spouse’s, or perhaps your homeowner’s insurance, you will get some pretty substantial discounts from your insurance carrier.

Your Gender

Our research into the data shows no major factor in payments between men and women motorists. Some companies might charge women more, while some might charge men a greater rate. But for companies who charge different prices, it always varies by a maximum of 2-3%.

Your Driving Distance to Work

Kenosha commute times are about average for the Midwest; most trips won’t take any longer than 10 or 15 minutes. Around 80% of Kenoshans prefer to utilize their own means of transportation by themselves, while 11% like to carpool with coworkers. Less than 3% walk to work.

Some companies act like they will offer huge discounts for how far or why you drive. However, whenever you evaluate the information, many of these factors barely create a dent inside your monthly premium – for instance, there might be a maximum of a 4% distinction between driving less miles for work and many 1000’s of miles for pleasure every year. However, business automobiles generally have about 10-15% greater premiums than regular automobiles.

Your Coverage and Deductibles

Naturally, the greater insurance policy you buy, the greater your payments will be. However, you can buy the policy you’ll need and keep your rate per month relatively low by raising your deductible. Yes, you’ll have greater out-of-pocket expenses in case of claims, but you’ll have lower payments consequently.

Education in Kenosha, WI

Just under one-third of the population of Kenosha has earned a high school diploma for themselves (or a similar equivalent). An additional 18% have not quite yet completed all four years of their secondary level of education. But there are always opportunities to advance your degree, and they can give you more benefits than you might think. One of those boons involves a lower rate on your auto insurance!

Kenosha is a haven for higher learning. The city is home to several satellite campuses, including those of Cardinal Stritch University, Concordia University Wisconsin, and National-Louis University. Some of the larger Kenosha schools include the University of Wisconsin-Parkside and Carthage College. For a valuable degree in less time, students can also look into the Gateway Technical College.

You shouldn’t let an undesirable car insurance provider persuade you into purchasing a car insurance policy that isn’t ideal for you. Of course, the actual quantity of information needed in order to assess your individual risk profile might be overwhelming, but comparison internet sites like this can help make your search a lot easier. Just input just a few details below, and we can do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Wisconsin Office of the Commissioner of Insurance

Wisconsin Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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