MrTricorder

@tlchwi02: I think Urban Assault might be the game you're looking for, it's similar to what you described. It was also released as a bundle with the MS SideWinder Force Feedback joystick in the late 90's.

@wolfsterc: The only other game I can guess is the Clock Tower series, specifically Clock Tower 3 (https://www.giantbomb.com/clock-tower-3/3030-17962/). Here are some of the box images for it:

@vetmora said:

It's been a while since your post, but the game you're looking for might be Defiance (https://www.giantbomb.com/defiance/3030-16211/). It came out in 1997 and the first enemy you fight is a flying manta ray with a single red eye.

@wolfsterc: I know you said it isn't Siren, but could it be Siren 2? There are times when you play as a child, and the back of the game case looks like this:

@mahleesah: Hi. It's been over a week since your request, but I believe the educational game you've been looking for is "Milkcap Mazes". It released in the mid-90's and features the characters you mentioned. Hope that helps!

@fladi: It's been a week since your request, but I did some research and found "Earache: Extreme Metal Racing" (https://www.giantbomb.com/earache-extreme-metal-racing/3030-23800/). It has some of the characters/cars you mentioned. Hope that helps!

@wolfsterc: The game "Kuon" (https://www.giantbomb.com/kuon/3030-15099/) might be what you're looking for. Hope that helps!

@masterjerelk: I think the game you're looking for is called "Phantom Spider". If you search the internet specifically for "phantom spider nokia", it'll pop up. Hope that helps!