Kenosha drivers pay an average of $1,502/year — $269 less than the national average. With 1,239 crashes per year and a 2.6 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $302/year.
(888) 217-6781Estimated full coverage auto insurance rates for Kenosha, WI from top carriers. Rates are adjusted for Kenosha's 1,239 annual crashes, 2.6 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $570 | $95/mo |
| Rural Mutual | $599 | $100/mo |
| Progressive | $639 | $106/mo |
| American Family | $673 | $112/mo |
| State Farm | $702 | $117/mo |
Estimates based on 2026 rate filings for ZIP 53143. GEICO is cheapest at ~$95/mo. Actual rates vary by driver profile and exact Kenosha location.
These Kenosha-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Kenosha, WI. Takes under 2 minutes.
(888) 217-6781With 99,986 residents, Kenosha is a growing community in Wisconsin where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow and commuter corridors still influence premiums. Kenosha drivers often find rates slightly below the Wisconsin state average.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Kenosha can swing your premium by hundreds of dollars. Here's how rates compare across Kenosha neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53158 | Kenosha South Side | $1,432/yr | $119/mo |
| 53146 | Kenosha North Side | $1,458/yr | $122/mo |
| 53147 | Kenosha West Side | $1,463/yr | $122/mo |
| 53151 | Kenosha East Side | $1,540/yr | $128/mo |
| 53143 | Kenosha Downtown/Central | $1,629/yr | $136/mo |
The cheapest ZIP is 53158 (Kenosha South Side) at $1,432/yr. The most expensive is 53143 (Kenosha Downtown/Central) at $1,629/yr — a $197/year difference for the same driver.
Your Kenosha ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Kenosha. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,154/yr | $263/mo | +110% vs avg |
| Young Adult (20-25) | $2,103/yr | $175/mo | +40% vs avg |
| Adult (26-35) | $1,502/yr | $125/mo | 0% vs avg |
| Mid-Career (36-50) | $1,322/yr | $110/mo | -12% vs avg |
| Senior (51-65) | $1,247/yr | $104/mo | -17% vs avg |
| 65+ | $1,337/yr | $111/mo | -11% vs avg |
Teens in Kenosha pay an average of $3,154/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,247/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Kenosha drivers can save up to $302/year. ZIP 53158 (Kenosha South Side) has the lowest rates starting at $1,432/yr.
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