The average cost of car insurance in Kenosha, Wisconsin, is $435 per year for minimum coverage and $1,185 for a full coverage policy. This may be well below the national average of $1,674 per year for full coverage, but drivers are still interested in finding the cheapest car insurance in Kenosha. In 2020, Wisconsin drivers were involved in over 115,000 crashes, each of which could need financial protection from an auto insurance policy. Drivers in Kenosha need to find the best car insurance company and can do so by reviewing the rates, policy options and rankings among multiple carriers.
Best car insurance companies in Kenosha
USAA, Geico, Erie and State Farm all offer competitive rates in the area, based on analysis and data obtained from Quadrant Information Services. In addition to the rates, attributes such as J.D. Power customer satisfaction ratings, financial strength, discounts and coverage options were also reviewed to find the best car insurance company in Kenosha.
|Insurance company||J.D. Power score
North Central region
|Average annual premium for minimum coverage||Average annual premium for full coverage|
*Not officially ranked by J.D. Power due to eligibility restrictions
If you are a current member of the military, a veteran or the immediate family member of one, USAA offers numerous ways to save if you meet the eligibility requirements. According to the USAA website, policyholders save an average of $725 a year simply by switching to this carrier. USAA is now the fifth-largest provider of auto insurance in the U.S., offering coverage options such as rideshare and gap insurance, as well as discounts such as good student and safe driver.
Geico may have more limited coverage offerings versus other big national carriers, but it does offer a wide range of discounts. Discounts such as multi-policy, multi-vehicle, good student and paperless statements are a few examples of how to save more on premiums. Geico falls slightly below the industry average for the JD Power scores, but the competitive rates may be enough to overcome the shortfalls with the ratings.
Erie is a regional provider which operates in 12 states, including Wisconsin. Erie relies heavily on the local agent network and even requires potential customers to work directly with an agent for a quote and purchase, instead of online or through an app. This model of 13,000 local agents seems to work for Erie though, since it earns top scores on the JD Power rankings for the North central region.
State Farm has offered insurance products since 1922 and has now grown to the largest auto insurance provider in the country. While the coverage options may be somewhat limited compared to other providers, State Farm offers multiple convenient options for policy management. There are options whether you prefer working with a local agent, through customer service, via the online portal or the State Farm app.
Cheapest car insurance in Kenosha
The average cost of car insurance in Kenosha is $435 for minimum coverage per year, and $1,185 annually for full coverage. This falls right in line with the average cost drivers in Wisconsin pay, which is $1,186 annually for full coverage. This is well-below what the average drivers in the U.S. pay for full coverage, which is around $1,674 annually.
While there are a number of carriers offering cheaper rates, it is essential to look at other attributes besides cheap premiums. For instance State Farm and Geico do not offer a wide choice of coverage options for complete policy customization. However, each of these carriers have highly-rated apps for policy management at your fingertips. USAA is only available to members of the military or their immediate family members, which limits eligibility. Erie requires you to purchase through a local agent instead of giving you the option to purchase online for added convenience.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Kenosha insurance requirements
Along with proof of insurance at all times, drivers in Wisconsin are legally required to maintain insurance coverage. This includes 25/50/10 of liability insurance, which refers to:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage per accident
Drivers in Wisconsin are also legally required to carry the following:
- $25,000 uninsured motorist bodily injury liability per person
- $50,000 uninsured motorist bodily injury liability per accident
It may be tempting to purchase the minimum amount required in order to stay within budget. However, if you are involved in a multi-car, multi-injury accident, it is possible the damages and injuries could exceed the liability limits. Purchasing more liability coverage while still staying within a reasonable budget may offer greater financial protection in the event of an at-fault accident.
Car insurance discounts in Kenosha
One method to find cheap car insurance rates in Kenosha is to use as many discounts offered as possible. Most carriers provide a variety of ways to save, which may include:
- Safety equipment: If a vehicle is equipped with features such as airbags, anti-lock brakes or daytime running lights, ask about a potential safety equipment discount.
- Safe driver: This discount is for drivers who use a smartphone app for monitoring safe driving habits. If the carrier approves, a discount may be in store.
- Claims-free: Driving without any at-fault accidents or claims may result in lower premiums, with a claims-free discount.
- New car: Driving a new vehicle has numerous benefits, including a potential new car discount if the vehicle is less than 12 months old.
Discounts such as these are only a few examples of the many available through auto insurance companies. Good students can potentially save by maintaining typically at least a B average for high school and college students. Other carriers offer savings for loyalty, such as based on number of years insured or multi-policy discounts.
Frequently asked questions
What is the best car insurance company?
Finding the best car insurance in Kenosha means examining numerous factors of each carrier, including rates, discounts, customer service ratings and financial strength for example. The best car insurance company is one that meets your coverage needs and provides the most value for your budget.
Can I switch car insurance companies at any time?
Yes, switching car companies can be done at any time and you do not have to wait until the end of a renewal period. However, you should talk to your insurer first to make sure you avoid any possible penalties. If you shop around and find a new carrier worth choosing, it can potentially save money on premiums. When choosing a new carrier, make sure to put a new policy in place before cancelling the old one, to avoid a lapse in coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.