Insurance Costs in Kenosha, WI
Auto insurance in Kenosha averages $1,280 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Kenosha, WI: What You Need to Know
Kenosha residents pay an average of $1,280 per year for full coverage auto insurance, which is 5.0% above the Wisconsin state average and 23.5% below the national average.
With a population of 99,986, Kenosha is a growing city in Wisconsin. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,280 | $107 |
| Standard Coverage (50/100/50) | $1,050 | $88 |
| State Minimum (25/50/10) | $538 | $45 |
Homeowners Insurance in Kenosha, WI
The average cost of homeowners insurance in Kenosha is $1,222 per year ($102/month), which is 32.9% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Kenosha, WI
Renters insurance in Kenosha averages $168 per year ($14/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Wisconsin Cities
How to Save on Insurance in Kenosha
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Kenosha can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Kenosha, WI?
The average cost of car insurance in Kenosha, WI is $1,280 per year for full coverage, or about $107 per month. Minimum coverage costs around $538 per year.
Is car insurance expensive in Kenosha?
Car insurance in Kenosha is relatively affordable compared to many U.S. cities.
How much is home insurance in Kenosha?
Homeowners insurance in Kenosha costs an average of $1,222 per year. Your actual cost depends on your home's value, age, construction type, and specific location.