Kenosha, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Kenosha, WI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Save Up To $76 on a Single Anti-theft Feature in Kenosha, WI
The average cost of auto insurance in Kenosha, WI, is $1,083. Car owners in Kenosha can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Kenosha.
Anti-Theft Discounts:
Car insurers across Wisconsin offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Kenosha.
Discounts for Students:
Teenagers in Kenosha pay $3,514 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Kenosha is $1,841, while the cost of insuring four vehicles under this policy is $3,682. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For instance, post-DUI, the cost of auto insurance in Kenosha, can mount up to $2,085 from $1,083. That’s significantly more than the average cost of auto insurance in Kenosha. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.
Factors that can influence the cost of car insurance in Kenosha, WI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Kenosha, WI Auto Insurance Rates
- Kenosha, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Kenosha, WI
- Multi Vehicle Insurance Savings in Kenosha, WI
- How Credit Score Affects Car Insurance Rates in Kenosha, WI
- How DUI Affects Auto Insurance Premiums in Kenosha, WI
- Top Auto Insurance Agents Near Kenosha, WI
- How Driving Violations Affect Auto Insurance Rates in Kenosha, WI
- Kenosha, WI Auto Insurance Discounts on Anti Theft Feature
- Kenosha, WI Auto Insurance Company Reviews
Kenosha, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Kenosha, WI with that of other cities in and around Kenosha.
| Kenosha | Elmwood Park | Paris | Sturtevant | Bristol | Winthrop Harbor | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,083 | $1,112 | $1,531 | $1,083 | $1,142 | $1,265 |
Kenosha, WI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Kenosha, WI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Kenosha | $1,115 | $942 |
| Somers | $1,545 | $1,305 |
| Pleasant Prairie | $1,110 | $938 |
| Paris | $1,288 | $1,088 |
| Winthrop Harbor | $2,100 | $1,774 |
| Elmwood Park | $1,340 | $1,132 |
| Bristol | $1,176 | $994 |
| Sturtevant | $1,515 | $1,280 |
Kenosha, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Kenosha, WI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,514 |
| 20 Years | $1,392 |
| 30 Years | $1,072 |
| 40 Years | $1,031 |
| 50 Years | $955 |
| 60 Years | $968 |
| 70 Years | $1,127 |
Kenosha, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Kenosha, WI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,841 | $325 |
| 3 Vehicles | $2,762 | $487 |
| 4 Vehicles | $3,682 | $650 |
Savings on 2 Vehicles bundle:$325
Savings on 3 Vehicles bundle:$487
Savings on 4 Vehicles bundle:$650
Kenosha, WI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Kenosha, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Kenosha | $1,083 | $2,085 |
| Somers | $1,099 | $2,116 |
| Pleasant Prairie | $1,125 | $2,166 |
| Paris | $1,531 | $2,948 |
| Winthrop Harbor | $1,265 | $2,054 |
| Elmwood Park | $1,112 | $2,141 |
| Bristol | $1,142 | $2,199 |
| Sturtevant | $1,083 | $2,085 |
Kenosha, WI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $929 |
| Excellent (740-799) | $1,061 |
| Good (670-739) | $1,129 |
| Average (580-669) | $1,472 |
| Poor (300-579) | $1,766 |
Kenosha, WI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Bob Duthie | State Farm | 9100 Durand Ave, Sturtevant, 53177-2028 | 262-886-2088 |
| Jeremy Brown | State Farm | 2053 Taylor Ave, Racine, 53403-2413 | 262-633-3344 |
| Rob Fleming | State Farm | 3404 Roosevelt Rd, Kenosha, 53142-3937 | 262-656-1414 |
| Robertson-Ryan & Associates - Racine | None | 6015 Durand Ave. 6015 Durand Ave., Racine, 53406 | None |
| Sparks Insurance Inc | Erie | 6303 75TH ST, KENOSHA, 53142 | 262-697-9600 |
| David Insurance Agency | Travelers | 1300 S GREEN BAY RD STE 300, RACINE, 53406 | 262-636-1860 |
Kenosha, WI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$48 | $1,131 |
| Driver's Failure In Showing Documents | +$105 | $1,188 |
| Driving With An Expired Registration | +$112 | $1,195 |
| Driving At A Considerably Slow Pace | +$235 | $1,318 |
| Using A Cellphone While Driving | +$248 | $1,331 |
| Running A Red Light | +$252 | $1,335 |
| Speeding | +$265 | $1,348 |
| Driving A Vehicle Without The Required Permission | +$337 | $1,420 |
| Driving With An Expired/Suspended License | +$730 | $1,813 |
Kenosha, WI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,040 |
| Active Disabling Device | $1,040 |
| Tracking Device | $1,018 |
| Passive Disabling Device | $1,007 |
Latest Auto Insurance Reviews in Kenosha, WI | Back to Top
State FarmThey offer different deductibles that fit what multiple people are looking for and to fit all types of budgets at a cheaper rate then other companies I have had.
AllstateMy deductible is quite high but I pay a lower premium so it evens out. This is usually how most insurance companies work so it does not bother me in the long run.
Grange InsuranceI would recommend Grange based on their premium rates and customer service skills.They make it easy to submit claims by taking pictures with an app and are diligent and quick to make things right.
West Bend Mutual InsuranceI think it's comparable, we switched because it was slightly cheaper. It ended up being cheaper because of the no claim reward and because of paying upfront for your year you save quite a bit,.
West Bend Mutual InsuranceI think it's comparable, we switched because it was slightly cheaper. It ended up being cheaper because of the no claim reward and because of paying upfront for your year you save quite a bit,.
EsuranceI don't know the difference between my insurance and other companies insurance policies. I just figured they are all the same.
AllstateI am pretty sure my premium is high considering the age of my vehicle and my driving record. However I trade that off with knowing if I need my insurance agent he will have my best interest first.
State FarmI like their prompt attention and that they hae a local office and that my agent is a part of our community.
ProgressiveProgressive offered me a much lower premium than other companies. The enrollment process was able to be completed entirely online which was awesome. They have an app that makes the process hassle-free if in an accident.
EsuranceMy insurance company, in general, has similar offerings to other auto insurance companies but is generally more competitive on price
State FarmI think they have equal or better services than everyone else