Racine, WI Car Insurance

Racine drivers pay, on average, around $57 a month for their car insurance. To learn more about policy rates and coverage in the Racine area, continue reading our guide below.
How does Racine compare to the surrounding area and the rest of Wisconsin? How much can residents of Racine expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Racine?

Area Average Monthly Car Insurance Premium
Racine$57
WI$54
United States$81

Based on the chart above, it costs about the same to insure your vehicle in Racine as it does in the rest of Wisconsin.

However, car insurance rates in Racine are more affordable than the national average. It's about $24 cheaper to insure your vehicle in Racine compared to the average rate for the U.S. as a whole.

These may be the average auto insurance rates for Racine, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Racine so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$83
25-34$54
35-44$46
45-54$51
55-64$38
65+$48

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Racine.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$55

On average, female drivers pay slightly less for car insurance than their male counterparts. The price for car insurance in Racine, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$99
1 Ticket$68
Multiple Tickets$59

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Racine with a single accident on their record will usually see rates around $64 a month. Similarly, drivers with one ticket will typically pay around $68 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$63
4-5 Years$64
6-7 Years$60
8-10 Years$53
11-14 Years$54
15 Years or Older$58

According to the first table above, the cheapest vehicles to insure in Racine are usually trucks and vans, at $49 per month.

SUV drivers will see rates of about $55 for insurance coverage, while car owners typically pay around $59 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Racine, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$47
Divorced$46
Widowed$47

On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Racine is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$56
Live with parents$79

Another factor that comes into play is your housing status. Those who own their own home in Racine can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Racine, WI

Recent trends in car insurance for Racine drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The rates for car insurance in Racine decreased from 2017-2018, when they reached a low of $51, but began to increase from 2019-2020. They finished up in 2022, at $69.

How does Racine compare to neighboring areas?

Why are car insurance rates in Racine different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Availability of off-street parking
  • Crime
  • Community regulations
  • Number of car accidents
  • Total drivers

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Racine?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering plans in Racine.

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Racine Insurance FAQs

What factors affect car insurance quotes in Racine?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Racine different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Racine?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Racine?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Racine or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes