Cheap Car Insurance Kenosha: Quotes + Breakdown for Kenoshans 2024

We compared Yelp and Google to find the Cheapest Car Insurance in Kenosha, Wisconsin. According to their reviews, we think they’ll be able to find the best price and offer the best service

Cheap Car Insurance Kenosha, Wisconsin: Yelp & Google Compared

Cheap Car Insurance Kenosha: Multiple Sites Compared 2024

Comparison Table
cheap car insurance kenosha cheap car insurance kenosha
Erie - $896 Certainly - $576
State Farm - $926 First Chicago - $1008
GEICO - $965 National General - $1092
West Bend Mutual - $1,060 Progressive - $1,260
American Family - $1,194 Dairyland - $1,488

Navigating Car Insurance in Kenosha, Wisconsin

Living in Kenosha, Wisconsin, has its perks – beautiful lakeside views, a strong sense of community, and convenient access to both Milwaukee and Chicago. However, when it comes to car insurance, finding the right coverage at an affordable price can be a bit of a journey. After researching and comparing various options, I've gathered some key insights to help fellow Kenosha residents navigate the world of car insurance more effectively.

Understanding the Basics

Firstly, it's crucial to understand the basic requirements for car insurance in Wisconsin. The state mandates that drivers must carry a minimum liability coverage of:

  • $25,000 for injury or death of one person,
  • $50,000 for injury or death of more than one person,
  • $10,000 for property damage.

In addition to liability coverage, Wisconsin law also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident. This is particularly important in case you get into an accident with an uninsured driver, which is more common than you might think.

The Cost of Car Insurance in Kenosha

Kenosha’s car insurance rates are generally lower than the national average, but several factors can influence your premium. Your driving record, age, vehicle type, and even your credit score can all impact how much you pay. On average, Kenosha drivers pay about $1,100 to $1,300 annually for their car insurance. However, it’s possible to find even better rates with a bit of effort and comparison shopping.

Factors Affecting Your Premium

Several factors can affect your car insurance premium in Kenosha:

  1. Driving Record: A clean driving record can significantly lower your insurance costs. On the other hand, accidents, speeding tickets, and other violations can lead to higher premiums.
  2. Vehicle Type: The make, model, and year of your car play a role. Generally, newer and more expensive cars cost more to insure.
  3. Credit Score: Insurers often use credit scores to determine risk. A higher credit score can lead to lower premiums.
  4. Location: Where you live in Kenosha matters. Areas with higher crime rates may see higher insurance costs.

Tips for Lowering Your Car Insurance Costs

After digging through countless quotes and options, here are some strategies that can help you save on car insurance:

  1. Compare Quotes: Never settle for the first quote you receive. Use online comparison tools to get quotes from multiple insurers.
  2. Bundle Policies: Many insurance companies offer discounts if you bundle your car insurance with other policies, like homeowners or renters insurance.
  3. Increase Your Deductible: A higher deductible means a lower premium, but make sure you can afford the deductible in case of an accident.
  4. Take Advantage of Discounts: Look for discounts you may qualify for, such as safe driver discounts, good student discounts, and multi-car discounts.
  5. Maintain a Good Credit Score: Keeping your credit score in good shape can help you secure lower rates.

Choosing the Right Insurer

When it comes to selecting an insurer, consider not just the price but also the company’s reputation for customer service and claims handling. Some of the well-regarded insurers in Kenosha include:

  • State Farm: Known for its excellent customer service and comprehensive coverage options.
  • Progressive: Offers competitive rates and a variety of discounts.
  • GEICO: Often praised for its affordability and user-friendly online services.
  • Certainly: Provides a range of coverage options and has a strong local presence.

Personal Experiences and Final Thoughts

Personally, I found that taking the time to compare different policies and asking about available discounts made a significant difference in my insurance costs. I ended up choosing Erie as they offered one of the cheapest prices in the market. Their agents are also hospitable and get back to you in no time. However, this is just personal preference; there are probably better car insurances that tailor to your needs as your needs could be different from mine!


This article provides a comprehensive view of the car insurance landscape in Kenosha, Wisconsin, using data from trusted sources to help drivers make informed decisions about their car insurance policies. By understanding the factors that affect insurance rates and comparing the offerings of different providers, Kenoshan drivers can find coverage that best suits their needs at the most favorable rates.

Read more here

How We Rank and Researched

To compile the information for this article we used a team of researchers to assess results based on Yelp and Google and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources