Insurance Costs in Racine, WI
Auto insurance in Racine averages $1,341 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Racine, WI: What You Need to Know
Racine residents pay an average of $1,341 per year for full coverage auto insurance, which is 10.0% above the Wisconsin state average and 19.9% below the national average.
With a population of 77,542, Racine is a growing city in Wisconsin. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,341 | $112 |
| Standard Coverage (50/100/50) | $1,100 | $92 |
| State Minimum (25/50/10) | $563 | $47 |
Homeowners Insurance in Racine, WI
The average cost of homeowners insurance in Racine is $1,154 per year ($96/month), which is 36.6% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Racine, WI
Renters insurance in Racine averages $168 per year ($14/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Wisconsin Cities
How to Save on Insurance in Racine
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Racine can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Racine, WI?
The average cost of car insurance in Racine, WI is $1,341 per year for full coverage, or about $112 per month. Minimum coverage costs around $563 per year.
Is car insurance expensive in Racine?
Car insurance in Racine is relatively affordable compared to many U.S. cities.
How much is home insurance in Racine?
Homeowners insurance in Racine costs an average of $1,154 per year. Your actual cost depends on your home's value, age, construction type, and specific location.