Racine drivers pay an average of $1,503/year — $268 less than the national average. With 983 crashes per year and a 2.6 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $303/year.
(888) 217-6781Estimated full coverage auto insurance rates for Racine, WI from top carriers. Rates are adjusted for Racine's 983 annual crashes, 2.6 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $571 | $95/mo |
| Rural Mutual | $599 | $100/mo |
| Progressive | $639 | $107/mo |
| American Family | $673 | $112/mo |
| State Farm | $702 | $117/mo |
Estimates based on 2026 rate filings for ZIP 53405. GEICO is cheapest at ~$95/mo. Actual rates vary by driver profile and exact Racine location.
These Racine-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Racine, WI. Takes under 2 minutes.
(888) 217-6781With 77,816 residents, Racine is a growing community in Wisconsin where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow and commuter corridors still influence premiums. Racine drivers often find rates slightly below the Wisconsin state average.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Racine can swing your premium by hundreds of dollars. Here's how rates compare across Racine neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53414 | Racine South Side | $1,405/yr | $117/mo |
| 53406 | Racine North Side | $1,473/yr | $123/mo |
| 53421 | Racine West Side | $1,483/yr | $124/mo |
| 53409 | Racine East Side | $1,506/yr | $126/mo |
| 53405 | Racine Downtown/Central | $1,652/yr | $138/mo |
The cheapest ZIP is 53414 (Racine South Side) at $1,405/yr. The most expensive is 53405 (Racine Downtown/Central) at $1,652/yr — a $247/year difference for the same driver.
Your Racine ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Racine. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,156/yr | $263/mo | +110% vs avg |
| Young Adult (20-25) | $2,104/yr | $175/mo | +40% vs avg |
| Adult (26-35) | $1,503/yr | $125/mo | 0% vs avg |
| Mid-Career (36-50) | $1,323/yr | $110/mo | -12% vs avg |
| Senior (51-65) | $1,247/yr | $104/mo | -17% vs avg |
| 65+ | $1,338/yr | $112/mo | -11% vs avg |
Teens in Racine pay an average of $3,156/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,247/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Racine drivers can save up to $303/year. ZIP 53414 (Racine South Side) has the lowest rates starting at $1,405/yr.
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