While it once was a manufacturing hub, Kenosha today is a bedroom community, conveniently located between Milwaukee and Chicago. Nearly 50% of Kenosha’s workforce commutes to locations outside of the city for work. The I-94 corridor between Milwaukee and Chicago runs right through Kenosha. The roads and highways become congested and dangerous every day. And snowy, icy winters only add to the danger.
Car insurance is essential for Kenosha drivers. It can help protect you from the financial consequences of a car accident. TrustedChoice.com Independent insurance agents can assess the unique risks you face as a Kenosha resident. Our local agents will work hard to find a quality, affordable Kenosha car insurance policy that meets your needs and tackles your risks, yet doesn’t break the bank.
How much does Kenosha car insurance cost?
Car insurance in Kenosha is affordable for most drivers. Insurance companies base their prices on several factors that are unique to you, including where you live. They also consider the type of car you drive and the distance you drive to work or school every day. If your Kenosha car insurance rates seem too high, the reason may be that you drive a long distance to work or have a newer vehicle. Or you may live in an area that has a higher rate of auto theft. But no matter where you live, you should make sure you are getting the best rate possible.
If you work with an independent insurance agent, you’ll be able to review quotes from multiple insurance companies and choose the best coverage for your needs and budget. After weighing out your options, the average cost of Kenosha car Insurance is $180 Per Month.
What does Kenosha car insurance actually do for me?
Bills for vehicle damage and injuries can pile up after a car accident. Car insurance can help you pay for any medical bills or car repairs if you are at fault for a crash. And it can help you pay to replace your stolen car or repair your car if it was damaged by weather, vandals or some other mishap. To be sure you’re covered, talk through your options with a Trusted Choice agent.
Here are some ways that a Kenosha car insurance policy can help you.
- Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
- Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $10,000.
- Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing required.
- Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.
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Our independent agents shop around to find you the best coverage.
Who pays if the accident wasn't my fault?
The driver who caused the accident, of course. The problem is some drivers don’t bother to buy insurance at all. 14.3 % of Wisconsin drivers are uninsured. Some uninsured individuals drive without the ability to pay if they cause an accident. That's why you need “uninsured motorist coverage.” It pays to fix your vehicle and handles your medical bills if you cannot collect from the at-fault driver. In Wisconsin, it is mandatory to have uninsured motorist coverage.
What Affects the Cost of Kenosha Auto Insurance?
Car insurance premiums are not just about where you live. In fact, your rates are quite personal. Insurance companies evaluate all of your risk factors, including the following and more.
- your age
- your gender
- your ZIP code
- your personal driving record
- the kind of car you drive
- the number of cars and drivers in your household
If you are a young driver, drive an expensive car or have a history of speeding tickets, insurance companies assume you are a bigger insurance risk. Drivers who are considered “riskier” than others will pay more for auto insurance.
To keep your Kenosha car insurance rates down, maintain a clean driving record and drive a safe, modestly priced vehicle that won’t be a target for thieves.
Here are some city factors that will affect your rate:
Commute time: Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident.
Drivers with longer daily commutes tend to pay more for car insurance. Kenosha drivers typically have commutes that are similar to the national average.
- National Average: 25.4 minutes
- Kenosha Average: 23.2 minutes
Theft in your city: The rate of auto theft in Kenosha is less than in the U.S., overall. This is good news for Kenosha drivers; you likely pay less for car insurance as a result. No matter where you live, always secure your vehicle and keep valuables hidden inside your car. Never leave your vehicle running while unattended, and keep it locked — even in your own driveway. If you drive a car with an alarm or other anti-theft device, ask your insurance agent if you qualify for a special discount.
- Auto Theft Rate in U.S. (per 1,000 vehicles): 2.28
- Auto Theft Rate in Kenosha (per 1,000 vehicles): 1.48
How to Find Affordable Auto Insurance in Kenosha
Affordable insurance is available in Kenosha. Simply look to a Trusted Choice Independent Insurance Agent for quotes from multiple carriers. Our local independent agents can find you quality policy options from reputable insurance companies so you can choose the option that best fits your needs and budget. Your agent will get to know you and your family and assess your risks so you can have peace of mind.