Cheapest Auto Insurance in Kenosha, Wisconsin (2025)
Kenosha drivers may find the cheapest liability car insurance through USAA, which has rates as low as $43 per month.
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Drivers in Kenosha pay an average insurance premium of $107 per month, which is similar to the state average but lower than the national average.
Kenosha is among the most populated cities in Wisconsin and has a high population density, which can help explain its comparatively higher premiums. However, the state’s below-average vehicle fatality rate and low insurance requirements can help keep premiums low overall.1
3 of the cheapest car insurance companies in Kenosha
Kenosha drivers have plenty of affordable options when shopping for cheap car insurance. However, a few companies stand out — not only because of their affordable premiums but also because of their coverage options, discounts, and other benefits to certain customers.
Of course, the best company for you will depend on your individual situation and needs, so it’s important to shop around for the best insurer for you.
Best insurer for military families: USAA
Best insurer for customer service: State Farm
Best insurer for customizable coverage: Auto-Owners
How to get the cheapest car insurance in Kenosha
Your car insurance rates are based on a variety of factors, including your age, gender, location, driving history, credit score, coverage limits, and more. Many of these factors are outside of your control, but you can still get the cheapest rates possible when you’re shopping around for coverage.
Here’s how:
Compare quotes. When you’re shopping for insurance, get online quotes from several insurers so you can find the one that offers the cheapest rate for your situation.
Save with discounts. Nearly every auto insurance company offers discounts for things like being a safe driver, paying your premiums up front, signing up for automatic payments, and more. These discounts can help lower your car insurance premiums.
Bundle your home and auto policies. You can save on your premiums by bundling your auto insurance with your homeowners or renters insurance, and with some insurers, even your life insurance.
Adjust your policy. Your coverages and deductibles directly affect your premiums. You can lower your premiums by increasing your deductible or decreasing your coverage.
Cheapest liability-only car insurance in Kenosha: USAA
A liability insurance policy protects other parties from damages when you’re at fault for an accident. The property damage liability portion of liability coverage pays for damage to other parties’ property, while the bodily injury liability portion pays for other people’s injuries.
A liability-only insurance policy is the cheapest kind you can get, but it’s not right for everyone. It doesn’t provide any coverage for your own vehicle in an accident or another incident.
The table below shows the cheapest liability-only insurance companies and their average monthly quotes. USAA offers the cheapest liability-only policies in Kenosha, with a rate of $43 per month.
Cheapest full-coverage car insurance in Kenosha: USAA
While liability insurance protects only other drivers on the road and their property, full-coverage insurance protects your vehicle. There’s no set definition of full coverage, but it typically includes collision and comprehensive coverage, which pay for damages to your vehicle.
Full coverage is more expensive than liability coverage, but it can protect you from significant out-of-pocket losses. It’s a good idea for drivers who can’t afford to replace their vehicles out of pocket in the event of an accident. Additionally, if you have a loan or lease on your vehicle, your lender may require full coverage.
The table below shows the cheapest full-coverage insurers in Kenosha, as well as their monthly quotes. Drivers can find the cheapest full-coverage insurance with USAA, with a monthly rate of $64.
Car insurance requirements in Wisconsin
Like most states, Wisconsin law requires all drivers to have minimum liability insurance. While you don’t need proof of insurance to register your vehicle, you do need to provide it if a law enforcement officer requests it, and you could face fines of up to $500 for driving without insurance.2
Like most states, Wisconsin requires both bodily injury and property damage liability coverage. The state’s minimum coverage is comparable to most states for bodily injury liability but is on the low end for property damage.2
Though the state only requires liability insurance, you may expand your policy by adding many optional coverages, like the following:
Cheapest car insurance for drivers with an incident
Safe drivers generally pay the cheapest insurance premiums. On the other hand, drivers with any kind of incident on their record — like speeding tickets, at-fault accidents, driving under the influence (DUI) convictions, and other violations — tend to pay more.
The increase in your premiums after an incident will depend first on how severe the incident is. You can expect a DUI to raise your premiums more than a speeding ticket. For instance, Kenosha drivers with a DUI on their record pay an average of $128 per month for car insurance, while drivers with a speeding ticket pay an average of $130 per month.
Below, you’ll find the cheapest insurance coverage for drivers with clean records, as well as rates for drivers with various incidents on their records.
Average cost of car insurance by age
Your age is a major factor insurers use when determining auto insurance premiums. Generally speaking, the younger you are, the more you’ll pay for coverage. Teens, followed by young adults, pay the highest rates because they lack driving experience and tend to engage in high-risk driving behaviors.3
On the other hand, drivers in their 50s and 60s tend to pay some of the lowest rates. However, around age 70, rates may start to rise again. Certain impairments age causes can increase an older driver’s risk of an accident.
The table below shows the average monthly quote for drivers of each age range. As you can see, the average premium decreases steadily with age.
Kenosha car insurance quotes by credit tier
While it’s prohibited in some states, Wisconsin allows car insurance companies to use your credit history when determining car insurance premiums.4
A poor credit score can show an increased likelihood of filing an insurance claim and can result in higher insurance premiums. On the other hand, drivers with good or excellent credit tend to have lower premiums.
Here’s how a driver’s insurance premiums tend to increase as their credit score decreases in Kenosha.