Car Insurance in Racine, Wisconsin
Estimated full coverage in Racine runs about $1,240 a year ($103/month) — ▲ +13% versus the Wisconsin average, ranking 2nd most expensive of the 8 Wisconsin cities we cover.
Why car insurance in Racine costs more than the Wisconsin average
Insurers price by territory, and Racine's numbers explain most of the gap. With 78,057 residents on 15.5 square miles, the city's density (5,045 people per square mile) is 9.8 times the density where the typical Wisconsin resident lives (516). The average commute is 22.5 minutes (Wisconsin: 22.2), and 75% of workers drive alone. Together these put our location factor at 1.14× the state baseline for liability and collision, and 1.12× for comprehensive once FEMA weather risk for Racine County is included.
| Factor | Racine | Wisconsin ref. | Why it matters |
|---|---|---|---|
| Population density | 5,045 / sq mi | 516 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 22.5 min | 22.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.9% | — | Share of workers commuting by car. |
| Public transit to work | 1.9% | — | Transit use lowers how much residents drive. |
| Work from home | 7.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 66.4 | 72.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Racine
Rates can change from one ZIP code to the next. Across 5 Racine ZIP codes, our full-coverage estimate ranges from $1,155 in 53406 to $1,225 in 53405. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 53402 | 34,850 | 1,741 | 25.2 min | 5.5% | $1,200 | −3% |
| 53403 | 27,009 | 2,660 | 22.3 min | 8.8% | $1,200 | −3% |
| 53405 | 26,793 | 4,053 | 22.7 min | 6.0% | $1,225 | −1% |
| 53406 | 25,778 | 1,574 | 20.8 min | 6.3% | $1,155 | −7% |
| 53404 | 13,703 | 2,795 | 21.6 min | 6.3% | $1,195 | −4% |
Minimum car insurance in Racine
Racine drivers follow Wisconsin's rules: at least 25/50/10 liability coverage, and uninsured motorist coverage. Wisconsin is at-fault (tort). We estimate state-minimum coverage in Racine at $425 a year, and $615 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Wisconsin does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional; if purchased, limits must be at least 50/100. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Racine premiums
Accidents
Wisconsin recorded 595 traffic deaths, or 0.86 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Wisconsin's vehicle theft rate is 132 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Racine County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
4.1% of Racine commuters spend an hour or more getting to work, and there are 1.61 vehicles per household. 7.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 89.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 93.1 | Comprehensive; dwelling | |
| Hurricane | 19.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 85.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 25.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 86.1 | Comprehensive; dwelling | |
| Winter weather | 74.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Racine by driver profile
A clean-record driver in their 50s pays the least in our Racine model (about $1,140 for full coverage); an 18-year-old on their own policy pays about $3,405, and a DUI pushes a 30-something to $2,290.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,165 | $1,690 | $3,405 | $284 |
| Young adult (22) | $675 | $980 | $1,980 | $165 |
| Adult in their 30s | $425 | $615 | $1,240 | $103 |
| Adult in their 50s | $390 | $565 | $1,140 | $95 |
| Senior (72) | $475 | $685 | $1,385 | $115 |
| 30s, one at-fault accident | $615 | $890 | $1,795 | $150 |
| 30s, DUI on record | $785 | $1,135 | $2,290 | $191 |
Minimum vs. standard vs. full coverage in Racine
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $425 | $35 | $345–$500 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $615 | $51 | $505–$725 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,240 | $103 | $1,015–$1,460 |
Estimate your premium in Racine
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Cheap car insurance in Racine: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Racine's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $90 | You're among the 7.2% of Racine workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $340 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $625 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $270 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Racine
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 13 offices listed below.
- Check complaint records with the Wisconsin Office of the Commissioner of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Racine, our estimates differ by up to $70 a year between neighborhoods.
Car insurance agents near Racine, WI
We found 13 insurance offices within about 3 miles of central Racine, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Matthew Cobb Agency LLC
4000 Spring St, Ste 2, Racine, WI 53405 -
State Farm
5200 Washington Avenue, Racine, WI -
Roberta Hawes - American Family Insurance
829 S Green Bay Rd, Ste 106, Mount Pleasant, WI 53406 -
Freeway Insurance
5201 Washington Avenue, #J, Racine, WI 53406 -
Samantha Flores Agency LLC
320 Main St, Racine, WI 53403 -
David Insurance
1300 South Green Bay Road, #100, Racine, WI -
Brian Ketterer - State Farm
1540 S Green Bay Rd, Mt Pleasant, WI 53406 -
American Family Insurance - Ted Weber Jr.
3103 Lathrop Avenue, Racine, WI 53405 -
Trevor Morgan - American Family Insurance
6216 Washington Ave, Ste G, Mount Pleasant, WI 53406 -
Shelley Hickman - State Farm Insurance Agent
3015 Douglas Avenue, Racine, WI 53402 -
Melissa Schafer - State Farm
5809 Durand Avenue, Mount Pleasant, WI 53406 -
Erie Insurance
6021 Durand Avenue, Suite 600, Racine, WI 53406 -
Compass Insurance Group
6021 Durand Avenue, #600, Mount Pleasant, WI
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Racine
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $930 | −25% |
| Subaru Outback | Wagon | $930 | −25% |
| Tesla Model 3 | Midsize car | $1,295 | +4% |
| Subaru Forester | Small SUV | $915 | −26% |
| Honda Civic | Compact car | $1,395 | +13% |
| Toyota Corolla | Compact car | $1,305 | +5% |
| Jeep Wrangler | Midsize SUV | $1,005 | −19% |
| Mazda CX-5 | Small SUV | $1,035 | −17% |
| MINI Cooper | Subcompact car | $935 | −25% |
| Tesla Model Y | Midsize SUV | $1,165 | −6% |
Car insurance in nearby Wisconsin cities
- Kenosha $1,225/yr · 10 mi
- Milwaukee $1,250/yr · 25 mi
- Waukesha $1,190/yr · 29 mi
- Madison $1,190/yr · 86 mi
- Appleton $1,170/yr · 111 mi
- Green Bay $1,150/yr · 124 mi
- Eau Claire $1,120/yr · 234 mi
All Wisconsin cities and state rules · Homeowners insurance in Racine
Frequently asked questions
How much is car insurance in Racine, WI?
We estimate full coverage in Racine at about $1,240 a year ($103 a month) for a driver in their 30s with a clean record, and about $425 for Wisconsin's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Racine more expensive than the Wisconsin average?
Our Racine estimate is 13% higher than the statewide figure. The model reflects a population density of 5,045 people per square mile (the typical Wisconsin resident lives at about 516) and an average commute of 22.5 minutes versus 22.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Racine?
Drivers in Racine follow Wisconsin law: at least 25/50/10 liability coverage and uninsured motorist coverage.
Which ZIP code in Racine has the cheapest car insurance?
Among Racine's 5 ZIP codes, 53406 has the lowest estimate (about $1,155 a year for full coverage) and 53405 the highest (about $1,225), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Racine?
An 18-year-old with their own full-coverage policy would pay around $3,405 a year in Racine by our estimate ($1,165 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Racine?
Yes. FEMA's National Risk Index rates Racine County for tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Racine?
We list 13 insurance offices in and around Racine, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Wisconsin OCI: Consumer's Guide to Auto Insurance (PI-057)
- Wisconsin OCI: Frequently Asked Questions - Automobile Insurance (PI-233)
- Wis. Stat. 632.32 (motor vehicle policy provisions)
- Wisconsin DMV: Proof of insurance (financial responsibility)
- Wisconsin OCI: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Racine and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places