The average cost of auto 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 auto insurance in Kenosha. In 2020, Wisconsin drivers were involved in more than 115,000 accidents, each of which might need the financial protection of an auto insurance policy. Drivers in Kenosha need to find the best auto insurance company and can do so by reviewing rates, policy options, and ratings among multiple carriers.
Best Car Insurance Companies in Kenosha
USAA, Geico, Erie, and State Farm all offer competitive pricing in the region, based on analysis and data obtained from Quadrant Information Services. In addition to rates, attributes such as JD Power customer satisfaction ratings, financial strength, discounts, and coverage options were also looked at to find the best car insurance company in Kenosha.
|Insurance company||JD Power Score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|United States of America*||895/1000||$ 269||$ 803|
|Geico||837/1000||$ 289||$ 889|
|Erie||857/1000||$ 314||$ 931|
|State farm||851/1000||$ 343||$ 807|
* Not officially ranked by JD Power due to eligibility restrictions
If you’re a current member of the military, a veteran, or an immediate family member of one, the USAA has plenty of ways to save if you meet the eligibility requirements. According to the USAA website, policyholders save a average of $ 725 per year simply by switching to this carrier. USAA is now the fifth auto insurance provider in the United States, offering coverage options such as carpooling and gap insurance, as well as discounts such as good student and safe driver.
Geico may have more limited coverage offers compared to other major national operators, but it offers a wide range of discounts. Discounts such as multi-policy, multi-vehicle, student vouchers, and paperless statements are a few examples of how to save more on premiums. Geico is slightly below the industry average for JD Power scores, but the competitive pricing may be enough to fill the gaps in the scores.
Erie is a regional supplier that operates in 12 states, including Wisconsin. Erie relies heavily on the local agent network and even asks potential customers to work directly with an agent for a quote and purchase, rather than online or through an app. This model of 13,000 local agents seems to work for Erie though, as he gets the top scores in the JD Power leaderboard for the North Central region.
State Farm has been offering insurance products since 1922 and has now become the largest auto insurance provider in the countryside. While coverage options may be somewhat limited compared to other providers, State Farm offers several convenient options for managing policies. There are options if you prefer to work with a local agent, through customer service, through the online portal, or the State Farm app.
The cheapest auto insurance in Kenosha
The average cost of auto insurance in Kenosha is $ 435 for minimum coverage per year and $ 1,185 per year for full coverage. This fits perfectly with the average cost drivers in Wisconsin, which are $ 1,186 per year for full coverage. That’s well below what average drivers in the United States pay for full coverage, at around $ 1,674 per year.
While there are a number of carriers offering cheaper fares, it is essential to look at other attributes besides the cheap rewards. For example, State Farm and Geico do not offer a wide choice of coverage options for complete policy customization. However, each of these operators have highly rated apps for policy management at their fingertips. USAA is only available to members of the military or their immediate family members, which limits eligibility. Erie requires you to buy through a local agent instead of giving you the option to buy online for convenience.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|United States||$ 269||$ 803|
|Geico||$ 289||$ 889|
|Erie||$ 314||$ 931|
|AAA||$ 325||$ 1,103|
|State farm||$ 343||$ 807|
Kenosha Insurance Requirements
With proof of insurance at all times, Wisconsin drivers are legally required to maintain insurance coverage. This includes 25/50/10 third party liability insurance, which refers to:
- $ 25,000 in bodily injury per person
- $ 50,000 in bodily injury per accident
- $ 10,000 in property damage per accident
Wisconsin drivers are also required by law to transport the following:
- $ 25,000 civil liability for uninsured motorists per person
- $ 50,000 civil liability of uninsured motorists by accident
It can be tempting to buy the minimum amount required in order to stay on budget. However, if you are involved in an accident involving multiple cars and multiple injuries, the damage and injuries may exceed the limits of liability. Purchasing more liability coverage while staying on a reasonable budget can provide better financial protection in the event of a at-fault accident.
Discounts on auto insurance in Kenosha
One method of finding cheap car insurance rates in Kenosha is to use as many of the discounts offered as possible. Most carriers offer a variety of ways to save, which can include:
- Security equipment: If a vehicle is equipped with features like airbags, anti-lock brakes, or daytime running lights, inquire about a potential discount on safety equipment.
- Safe Driver: This discount is intended for drivers who use a smartphone app to monitor their driving habits safely. If the carrier approves, a discount may be in store.
- Without complaint: Driving without a responsible accident or loss can lead to lower premiums, with a loss-free discount.
- New car: There are many benefits to driving a new vehicle, including a potential discount on a new car if the vehicle is less than 12 months old.
Discounts like these are just a few of the many offered by auto insurance companies. Good students can potentially save by maintaining at least a B average for high school and college students. Other carriers offer savings for loyalty, for example based on years of insurance or multi-policy discounts.
Frequently Asked Questions
What is the best auto insurance company?
Finding the best car insurance in Kenosha means looking at many factors from each carrier including rates, discounts, customer service ratings, and financial strength for example. The best auto insurance company is the one that meets your coverage needs and offers the best value for your budget.
Can I change auto insurance company at any time?
Yes, changing carmakers can be done at any time and you don’t have to wait for the end of a renewal period. However, you should talk to your insurer first to make sure you avoid possible penalties. If you shop around and find a new carrier worth choosing, it can potentially save some money on premiums. When choosing a new carrier, be sure to put a new policy in place before terminating the old one, to avoid loss of coverage.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:
- $ 100,000 of civil liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.