Cheapest Auto Insurance in Kenosha, Wisconsin (2025)
Kenosha drivers may find the cheapest liability car insurance through USAA, which has rates as low as $42 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
Quick Facts
USAA, State Farm, and Auto-Owners are the cheapest car insurance companies in Kenosha.
Kenosha drivers pay an average of $82 per month for liability-only coverage and $116 per month for full coverage.
Wisconsin requires all drivers to have $25,000 per person and $50,000 per accident for bodily injury liability coverage, and $10,000 per accident for property damage liability coverage.2
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
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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 $42 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 $66.
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 $125 per month for car insurance, while drivers with a speeding ticket pay an average of $124 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Kenosha car insurance FAQs
Learn about shopping for car insurance quotes before comparing rates, and check out the answers to questions about auto coverage in Kenosha below.
How much is car insurance in Kenosha?
The average cost of car insurance in Kenosha is $82 per month for liability-only coverage and $116 per month for full coverage.
Which company has the cheapest car insurance in Kenosha?
USAA, State Farm, and Auto-Owners have the cheapest liability car insurance in Kenosha, with rates of $42, $44, and $44 per month, respectively. The best way to find cheap coverage is to compare quotes from several companies to see which insurer offers you the best deal for the coverage you need.
What are the best car insurance companies in Kenosha?
Some of the best car insurance companies in Kenosha that Insurify identified are Auto-Owners, State Farm, and USAA. These insurers have strong customer satisfaction ratings, plenty of discounts and coverage options, and high Insurify Quality Scores.
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