Kenosha, WI Car Insurance

What rates should residents of Kenosha expect to pay for their car insurance? How does Kenosha compare to the surrounding area and the rest of Wisconsin? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Kenosha?

Car insurance policies across the rest of Wisconsin are about $4 a month cheaper than the rates drivers pay in Kenosha.

On the flip side, when compared to the national average, the cost for auto insurance in Kenosha is lower. It's about $23 cheaper than the national average to insure your vehicle in Kenosha.

Keep in mind that these are the average auto insurance rates for Kenosha, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

But don't worry, we've broken down the average rates for Kenosha residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $36 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up in Kenosha.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. In Kenosha, however, men actually pay slightly less than female drivers for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Kenosha, having a single accident on your record will usually get you rates around $65 a month. In addition, drivers with one ticket can expect to pay around $59 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Kenosha are usually trucks and vans, at $44 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $61 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Kenosha, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Kenosha is about $8 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Kenosha, expect to pay around $11 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Kenosha, WI

Recent trends in car insurance for Kenosha drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance in Kenosha have been mixed as of late, it rose in 2017, declined in 2019, and increased again in 2021, before finishing at $65 in 2022.

How does Kenosha compare to neighboring areas?

Why are car insurance rates in Kenosha different from other areas?

Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Area laws
• Amount of off-street parking
• Total number of drivers in the community
• Crime levels
• Number of car accidents

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Kenosha?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Kenosha.

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Kenosha Insurance FAQs

What factors affect car insurance quotes in Kenosha?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Kenosha different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Kenosha?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Kenosha?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Kenosha or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.