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Car Insurance Quotes in Racine, WI

Full coverage / year
$1,552
State minimum / year
$446
Typical quote range
$1,102 – $2,142

The estimated cost of full coverage car insurance in Racine is $1,552 a year, against $446 for a state-minimum policy. That tracks the Wisconsin average closely, reflecting typical suburban driving patterns. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Racine, WI

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$129/ month
$1,552 per year · carriers in Racine, WI typically quote $1,102 – $2,142
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Racine, WI

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,180$98-24%Military members and families only
Geico$1,273$106-18%Usually cheapest for clean records
State Farm$1,366$114-12%Strong for young and student drivers
Progressive$1,474$123-5%Competitive after a ticket or accident
Travelers$1,505$125-3%Good multi-policy discounts
Nationwide$1,552$1290%Mid-market, wide availability
Allstate$1,769$147+14%Higher base rate, heavy discount stacking
Farmers$1,878$157+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Racine, WI. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Racine

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,192$1,205$349
18 years old$3,536$1,017$295
20 years old$2,928$842$244
22 years old$2,432$699$203
25 years old$1,856$534$155
30 years old$1,600$460$133
40 years old$1,504$432$125
50 years old$1,440$414$120
60 years old$1,424$409$119
65 years old$1,488$428$124
70 years old$1,632$469$136
75 years old$1,904$547$159

Estimated premiums by age in Racine, WI, clean record, sedan.

What a ticket, accident or DUI costs in Racine

Driving recordEst. annualIncrease
Clean record$1,552—
1 speeding ticket$1,909+23%
1 at-fault accident$2,281+47%
DUI / DWI$2,933+89%

What a violation costs a 35-year-old in Racine, WI. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Wisconsin

Every driver registering a vehicle in Wisconsin must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Wisconsin Department of Insurance.

Required coverage in WisconsinMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Uninsured motorist 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Racine

Coverage levelEst. annualEst. monthly
State minimum liability$446$37
Full coverage (100/300/100 + comp & collision)$1,552$129
Full coverage, high limits + low deductible$1,847$154

Coverage level comparison for Racine, WI.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Racine

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Racine covers 53401, 53402, 53403, 53404, 53405, 53406 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Racine, WI?
Full coverage in Racine is estimated at $1,552 a year ($129 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $446 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Wisconsin?
Wisconsin requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured motorist 25/50. Wisconsin is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Racine?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Racine for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Racine?
An 18-year-old in Racine is estimated at $3,536 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Racine?
A DUI takes the estimate from $1,552 to about $2,933 a year in Racine, an increase of roughly 89%. Wisconsin drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Racine?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Mount PleasantCaledoniaKenoshaOak CreekSouth MilwaukeePleasant PrairieCudahyFranklin

Comparing more of Wisconsin? See every Wisconsin city we price or read the cheap car insurance guide for Racine.