Car Insurance In Kenosha, Wisconsin (2021)
What Is The Average Car Insurance In Kenosha?
The average driver in Kenosha will pay around $1,220 for car insurance. Kenosha is the fourth largest city in Wisconsin. The average insurance in Wisconsin is around $1,100, the national average car insurance rate is $1,580.
Why are Car Insurance Rates High In Kenosha?
Motor Vehicle Accident Rate
According to the Wisconsin government website In 2019 Kenosha had 4,470 motor vehicle crashes. Kenosha made up 3% of all car accidents in Wisconsin. When talking in consideration of population the number grows to 4.5%, the same rate as Milwaukee.
Accident rates and claims are a key factor in how insurance companies calculate car insurance rates. Since the city has such a high rate of car accidents it contributes to the higher rate of car insurance in Kenosha.
Fatality Rate
In 2019 Wisconsin had 554 car fatalities across the state. The county of Kenosha alone had 15 fatalities or 2.7% of all fatalities. However Kenosha’s fatality rate is much higher per capita than Milwaukee and Madison.
Like accident rates, the fatality rate also is a major factor which impacts the car insurance rates of your ZIP or city.
Crime Rate
Overall crime is much higher in Kenosha than the rest of the state. This also leads to the much higher car insurance costs compared to the rest of the state.
Car Insurance Rates By Age
Age pays a big factor in how much you pay for car insurance. In Kenosha the age group that pays the lowest car insurance premiums are this in their 50s. The average annual premium for drivers in their 50s is around $1,070 per year. Drivers in their 60s also pay below the average at $1,450 per year.
It is no surprise that teenage drivers pay the highest annual premiums. On average teenage drivers pay over $5,000 a year on car insurance. The largest drop in annual premiums occurs once drivers reach 20 years of age. Drivers in their 20s pay around $2,100 which is a savings of almost $3,500 per year.
Car Insurance Rates By Marital Status & Gender
Marital status and gender can play a role in calculating your car insurance premiums. In Kenosha married drivers pay $125 less than single drivers. In many parts of the country married drives pay less than single drivers. Even divorced or and widowed drivers surprisingly pay less than single drivers.
When it comes to the car insurance cost gap, female drivers in Kenosha pay on average $15 less on car insurance than male drivers.
Car Insurance Rates By Driving Incidents
One of the most important factors in determining how much you pay for your Kenosha car insurance is your driving history. You might not have control of where you live but you are in full control of how many tickets you get.
Keeping a clean record can save you hundred of dollars on your car insurance. Kenosha drivers will pay an extra $790 per year for car insurance with 1 reckless driving charge. An at fault accident with damages of $2,000 or more will cost you $760 more a year.
Key Takeaways
- Maintain a clean driving record
- Add anti-theft devices if you live in an area with high car theft
- Take advantage of age and marital status to get better car insurance rates
Quotes Pilot content is not written by a licensed insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation.
