The average annual cost of car insurance in Kenosha is $435 for minimum coverage and $1,185 for full coverage. This is in line with the average cost of full coverage in Wisconsin, which is $1,186 per year. This is significantly less than what the average driver in the United States pays for full coverage, which is around $1,674 per year.
While there are a number of carriers that offer lower rates, it is critical to consider factors other than low premiums. State Farm and Geico, for example, do not provide a wide range of coverage options for complete policy customization. However, each of these carriers has highly rated policy management apps at your disposal. USAA is only available to military personnel or their immediate family members, limiting eligibility. Erie requires you to buy from a local agent rather than giving you the option to buy online for added convenience.
Insurance requirements in Kenosha
Drivers in Wisconsin are legally required to maintain insurance coverage at all times, along with proof of insurance. This includes liability insurance in the amounts of 25/50/10, which refers to:
$25,000 in bodily harm per person
$50,000 in bodily harm per accident
Property damage of $10,000 per accident
Drivers in Wisconsin are also required by law to carry the following:
Uninsured motorist bodily injury liability of $25,000 per person
Uninsured motorist bodily injury liability of $50,000 per accident
It may be tempting to buy the bare minimum in order to stay within budget. However, if you are in a multi-car, multi-injury accident, the damages and injuries may exceed the liability limits. Buying more liability coverage while staying within a reasonable budget may provide more financial protection in the event of an at-fault accident.
Kenosha car insurance discounts
One way to find low-cost car insurance in Kenosha is to take advantage of all available discounts. Most carriers offer a number of ways to save money, which may include:
Safety equipment: If a vehicle has features like airbags, anti-lock brakes, or daytime running lights, inquire about a possible safety equipment discount.
Safe driver: This discount is available to drivers who use a smartphone app to track their driving habits. If the carrier approves, a discount could be in the works.
Claims-free: Driving without any at-fault accidents or claims could result in lower premiums and a claims-free discount.
New car: Driving a new vehicle has numerous advantages, including the possibility of receiving a new car discount if the vehicle is less than 12 months old.
These are just a few of the many discounts available through auto insurance companies. Good students can potentially save money by maintaining at least a B average in high school and college. Other carriers reward loyalty with discounts based on the number of years insured or multi-policy discounts.
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