Cheapest car insurance racine wi

Racine, also known as the “Belle City of the Lakes”, was a major manufacturing center from the 1800’s to the 1980’s. The city was the first to build the largest recreational harbor on Lake Michigan. This sparked an economic diversification that included tourism. Racine has been a popular destination for tourists, concert-goers and picnic lovers alike since then.

Major Car Insurance Factors In Racine

It’s easy to feel helpless when your auto insurance provider calculates your rate. After all, nearly all elements they evaluate aren’t things you can adjust or control. There are certain items you may be able to modify for better discounts.

Your Zip Code

In order to assess the risk of an accident, automobile insurance agencies need to know where you live (or where you may be driving a motor car most often). This all boils down to one simple idea: The more people you have, the more cars you’ll encounter, and the more likely you are to be struck or run over by another car. Racine’s population is 78,199. The average household income is $41,866.

Automotive Accidents

It is not surprising that fatalities in Racine are so low, given the city’s large population. You can enjoy the peace of mind that you’re driving on safe roads.

Racine Auto Theft

Living in a large metropolis can increase your chances of being a victim of auto theft. If your locality has high rates of auto theft claims, you’ll likely spend more on car insurance to offset these costs. 

Your credit score

Your credit score can have a significant impact on the cost of your payments. A poor credit score can lead to a rise in your rates of between 100-200%, depending on the insurance provider.

Your Age

Are you a young driver? We have bad news for you: rates will be quite high until 25. Although you can get discounts by getting good grades or taking driving courses, you will still be charged more if you are younger.

Your driving record

Your driving record may be the most important factor that could affect your payment. A clean driving record pays significantly lower rates than those who have been cited for speeding, moving violations or other serious offenses in the past. Some companies may not offer insurance to those with serious driving violations such as Drunk driving.

Your vehicle

It will cost significantly more to insure an expensive vehicle than a typical, fuel-efficient sedan. In addition, because luxury vehicles are more expensive (and have higher replacement costs if they get stolen or damaged), most motorists tend to buy more insurance coverage. The monthly rate will go up if you have big car coverage.

Racine Minor Car Insurance Factors

These factors can also affect your rate.

Your Marital Status

No matter if you’re single or married, your monthly rate won’t be affected by your marital status. If it does, it will only affect your monthly rate by a few percentage points. Bundling insurance products under one company can help married persons get lower rates. Bundling your homeowner’s or renter’s auto insurance will give you additional discounts.

Your Gender

No matter what preconceived notions you may have about which gender drives better, the information doesn’t confirm any biases held by certain companies. Your insurer might bill you 1-2% based on your gender, or exactly the same rate regardless.

You are within driving distance to work

Racine’s commute is easier than in other Midwestern cities. A typical trip should take between 10 to 15 minutes. Some trips may last slightly longer. Over 78% of motorists will use their own vehicle, with 11% opting to carpool.

You will pay 10% more if your vehicle is registered on your insurance policy as a business vehicle. It doesn’t matter how often you drive. Total miles driven, along with your purpose on the highway (work/school/pleasure) will not change your payments by greater than 1-2%.

Your coverage and deductibles

Someone who only purchases the Wisconsin minimum mandatory coverage pays less than someone who has a lot more coverage. You can increase your deductible if you feel you will need more coverage than the minimum, but you don’t want to pay high premiums each month. This is especially useful for drivers who aren’t likely to need multiple claims.

Education in Racine (WI)

The highest level of education in Racine, with more than 32% having one, is a high school diploma. Below that is the 23% of citizens who have not completed their secondary education (49%). Did you know that going back and continuing your education can save you money over the long-term? This is especially true when it comes to auto insurance. The higher your education the lower your rates will be.

Racine residents can choose from a variety of universities, provided they are willing and able to travel a little. The University of Wisconsin-Parkside is located halfway between Racine, Kenosha and nearby Kenosha. The satellite campus offers degree programs in business, science, technology and liberal arts to almost 5,000 students per year. You can also visit nearby Milwaukee to find more possibilities.

Car insurance is undoubtedly one of the most important investments that you can make as a customer. It is important to find a reliable, trustworthy agency that will honor their promises. There are a few auto insurance companies that excel at this task better than others. A diligent online search can help you to distinguish the good from the poor.

Car Insurance in Racine (WI)

The cost of Wisconsin car Insurance will differ from one city to the next and among insurance companies. We have analyzed Racine’s insurance rates to determine the best deals in the area.

Cheapest Car insurance in Racine, WI

For the following user profile, here are the cheapest Racine carriers: A single, 30-year-old male with a clean driving history who drives a 2012 Honda Accord. He also pays a $1,000 deductible to the state’s minimum insurance.

Cheapest CompaniesQuotes 
progressive Progressive$30/mo
travelers Travelers  $112/mo
nationwide Nationwide  $126/mo
american-family American Family  $131/mo
liberty-mutual Liberty Mutual  $167/mo

Average car insurance cost

Wisconsin Cities
Milwaukee$129/mo
Madison$80/mo
Green Bay$78/mo
Kenosha$101/mo
Racine$113/mo

Racine (WI Driving Facts

Minimum Car Insurance Requirements in WI

Wisconsin drivers are required to have auto insurance that meets these minimum requirements.

  • Bodily Injury Liability: $25,000/$50,000
  • $10,000 for property damage liability
  • $25,000/$50,000 coverage for bodily injuries or death by uninsured motorist

These minimums might not be sufficient to cover accident costs due to the high cost of medical treatment and the low cost of vehicles under six years old. This is particularly true if you frequently drive with passengers. Your insurance will cover all medical expenses in an accident.

local Racine agents

Martinson, Inc.

2412 Lathrop Avenue Racine, WI 53405-4141

Fidelis Insurance Services

4060 N Main St Ste. 108 Racine, WI 53423-2121

CRB Insurance Agency

500 Wisconsin Avenue, Racine, WI 53403

Accidents Racine

Car accidents are a regular element of streets, however the severity of accidents varies from one town to the next , and across states. Racine drivers rank third in Wisconsin’s overall accidents per driver..

  • Ranking within a state: #3
  • Racine: 11.73% – Percentage of Racine drivers who were involved in an accident
  • Racine, WI drivers who have had an accident in their driving record paid 34.53% more than those with a clean record

Speeding Racine

Exceeding the speed limit can cause serious injury to others, and it can also result in a permanent blemish on your driving record. Racine drivers are ranked 3rd in speeding offenses per driver, compared to other cities within Wisconsin.

  • Ranking within a state: #3
  • Racine: 14.91% of Racine drivers have been issued a speeding ticket
  • Racine drivers who have had a speeding ticket in the driving record paid an average of 52.52% less than drivers who had a clean record.

DUI/DWIs Racine

Driving while impaired is a serious offense. However, it’s more common than people think. Racine drivers are number one in all of Wisconsin’s cities for DUI’s per driver.

  • Ranking within a state: #1
  • Racine DUI rate: 3.69%
  • Racine, WI drivers who have had a DUI in their driving record paid 41.01% more than drivers who had a clean record.

Most Popular Vehicle Racine

There are certain car models that are more popular than others, and trends can change from one place to the next. Racine’s most loved vehicle is the Chevrolet Malibu.

Rude drivers in Racine

These drivers are people who drive in a manner that is not safe or legal. Racine drivers are 2nd in Wisconsin for rude driving offenses.

  • Ranking within a state: #2
  • Racine drivers with reckless driving violations: 3.85%
  • Racine drivers who have a reckless driving offense in their driving record paid an average of 38.13% less than those with clean records.

Safest Drivers Racine

A clean driving record is something to be proud about. There are some cities that have safer drivers than others. Racine drivers rank fifth in all of Wisconsin for clean driving records.

  • State rank: #5
  • Racine drivers with clean records: 73.53%

Failure To Yield the Right of Way Racine

It’s not only frustrating for other drivers, but it can also be dangerous. Racine drivers are the most infuriated among all Wisconsin cities when it comes to failing to yield.

  • Ranking within a state: #1
  • Racine drivers with a failure in yield: 2.18%
  • Racine, WI drivers who have a driving record that includes a failure to yield violation paid an average of –% more than drivers who had a clean record.

Reckless Drivers Racine

Reckless driving is a traffic offense that involves drivers who act recklessly despite the dangers they are posing to others. Racine drivers are the most reckless drivers in Wisconsin.

  1. Ranking within a state: #1
  2. Percentage of Racine drivers who have been convicted of reckless driving: 0.34%

Average Monthly Rates by Country and State

Car insurance rates can vary greatly from one driver to the next. They are determined by many factors such as driving record, claims history, and where you live. You can find the average rate for Wisconsin below.

 There are different rates in each city. Our data shows that Racine drivers typically pay $101.18 per months, compared to the $133.77 national average. Comparing rates is the best way to find a low rate. InsuranceYesterdaywill do this for you free of charge and pair you up with a reputable company to protect you in the event of an accident.

AreaAverage Monthly Rate
National$133.77
Wisconsin$90.99
Racine, Wisconsin$101.18

How Much is Car Insurance in Racine, WI?

Rates vary from one city to the next. Appleton residents typically pay $69.33 per moist, while Green Bay residents will pay an average of $69.45 per moist. Check out what other people pay for auto insurance in Wisconsin.

Wisconsin CitiesMonthly Average Rate
Appleton$69.33
Green Bay$69.45
Madison$80.04
Milwaukee$112.70
Racine$92.72

Cheap Car Insurance in Racine by Zip Codes

Each insurer rates every zip code differently. Your zip code will determine the crime rate and other risks in your area. Below you will see the average crime rates in Wisconsin. You can garage your car in a secure place if you live in an area with high crime rates. This will save you money. Best are covered and gated structures. Your insurance agent should be informed about any precautions you are taking.

Racine, WI ZIP CodeAverage Monthly Rate
53402$93.74
53403$73.60
53404$119.42
53405$79.21
53406$100.49
53408$57.63

Car Insurance Rates by Driver’s Age Group in Racine

Racine is home to around $189.08 per monthly for teens and young adults. This compares to drivers in their 30s, who usually pay $78.72 per monthly drivers in their 40s, who average $86.30 per months. It is always a good idea check for discounts that are available at all ages. Discounts include safe driver discount and mature driver discount. Good student discounts are also available.

Age GroupAverage Monthly Rate
16-19$189.08
20s$131.88
30s$78.72
40s$86.30
50s$58.46
60s$53.81
70+$77.44

Cheapest Insurance for Teenage Drivers in Racine

You are likely looking for the best deal on car insurance if you’re a teen in Racine. Teen drivers tend to pay the highest rates than any other age group so it is important to compare different companies. USAA charges $91.95 per monthly, according to our research. This is the most affordable option in Racine. Erie and SECURA Insurance are also good options for teens.

CompanyAverage Monthly Rate
USAA$91.95
SECURA Insurance$123.50
Erie$146.58
State Farm$147.19
West Bend Mutual$147.31

Cheapest Insurance for 20 Year-olds in Racine

Racine 20-year-olds might be interested in Jupiter Auto Insurance, which offers average car insurance rates of $0.00 per month. The top five cheapest rates are:, USAA, SECURA Insurance, and State Farm.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$0.00
$0.00
USAA$67.69
SECURA Insurance$90.59
State Farm$105.43

Cheapest Insurance for 30 Year-olds in Racine

Our research shows that Jupiter Auto Insurance is the most affordable option for Racine residents in their 30s. It costs around $0.00 per Month, followed by USAA Insurance at $50.36 and SECURA Insurance @ $64.36.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$0.00
USAA$50.36
SECURA Insurance$64.36
State Farm$68.63
SAFECO$73.36

Cheapest Insurance for 40 Year-olds in Racine

USAA offers car insurance to Racine 40-year-olds for $48.15 per monthly. You might also consider State Farm or SECURA Insurance if you’re looking for affordable coverage. Below is a complete list of the top companies.

CompanyAverage Monthly Rate
USAA$48.15
SECURA Insurance$57.54
State Farm$61.26
Erie$69.24
West Bend Mutual$73.03

Cheapest Insurance for 50 Year-olds in Racine

Many 50-year-olds have the lowest rates than any other age group. We found that the lowest monthly cost for coverage was $46.77 from USAA in Racine.

CompanyAverage Monthly Rate
USAA$46.77
SECURA Insurance$57.12
State Farm$57.28
SAFECO$59.50
West Bend Mutual$65.90

Cheapest Insurance for 60 Year-olds in Racine

USAA usually has the best rates at $40.58 per month for those who are above 60 years old. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$40.58
SAFECO$45.25
SECURA Insurance$54.73
State Farm$56.23
West Bend Mutual$62.73

Your car insurance quotes will differ from the national and state averages. Every insurance company uses its own method of calculating insurance rates. Your quotes will be based on a number of factors: 

  • Your car’s age, value, and type
  • Your gender, age, and marital status
  • Your credit score
  • Your driving record
  • Information about other drivers in your home
  • Whether you rent or own your home
  • Your deductibles
  • Your liability insurance levels
  • Your car insurance coverage choices

Driver’s Coverage Auto Insurance Rates in Racine, WI

Drivers who have car insurance will typically receive a lower monthly quote than those who don’t. Companies may be curious about why you don’t have car insurance coverage, as it is required in all 50 states. They may view you as a more risky driver because of this. Racine’s average monthly rate for drivers who are currently insured is $75.13, while those who aren’t will pay about $112.82.

CoverageAverage Monthly Rate
Not Currently Insured$112.82
Currently Insured$75.13

FAQ’s for Drivers in Racine, WI

What is the minimum liability coverage requirement in Racine, WI?

Each state mandates that drivers have at least a certain amount of liability coverage. Wisconsin drivers must have liability insurance in order to cover any injuries or damages that are inflicted upon another driver in an auto accident.

$25,000 – Bodily Injury Coverage per Person; Maximum Payment for Serious or Permanent Injury or Death to a Single Person

$50,000, Bodily Injury Coverage per Accident; Coverage for Multiple People Injured in One Accident

$10,000 Property Damage Per Accident; Maximum Payment for All Damaged Property in an Accident Caused by You

All Wisconsin drivers need to have auto insurance that covers liability up to $25,000 per person, $50,000 per accident and $10,000 per accident.

Uninsured motorist coverage must be at least $25,000 per person for bodily injuries and $50,000 per accident. This provides protection from hit-and-run drivers as well as uninsured motorists who cause an accident.

What is the limit for blood alcohol concentration (BAC) in Racine, WI?

The following BAC percentages are illegal in Wisconsin.

At 21 years of age or older,.08%+

Commercial vehicle drivers:.04%+

For those under 21 years of age,.02%+

OWI is the Wisconsin term for driving while impaired by alcohol or drugs. The BAC for the first, second and third offenses is 0.08%. However, the BAC for the fourth and subsequent offenses is only 0.02%. OWI can also be a result of the consumption of prescription drugs and other illegal drugs.

What are the penalties for being convicted of DUI?

OWI penalties vary in severity depending upon the type and number of offenses. You could face jail time, fines, costs and suspension of your driver’s license for at most 6 months. You could face harsher penalties for transporting a minor who is intoxicated or causing bodily injury to another person. A BAC greater than 0.15% will result in mandatory participation to a sobriety programme.

Methodology
These statistics are based on our in-house reporting. We keep track of and record the quotes provided by carriers based on different criteria. These rates and averages should not be considered final.

Most popular insurance options

  • Liability insurance (Required). If you cause property damage or injures to another person’s property, liability insurance kicks into effect. These minimum levels of liability insurance are required in Wisconsin.
    • Bodily injury coverage for at least $25,000 per individual and $50,000 per accident
    • Property damage coverage for at least $10,000 per accident
  • Personal Injury Protection (PIP) Optional This coverage covers medical expenses for you and your passengers in case of an accident that results in injuries.
  • Uninsured Motorist Insurance (Required ) This policy covers the damages caused by an accident with someone who doesn’t have enough or the right type of insurance.
  • Collision Insurance Partially Optional : This policy covers damage to your vehicle due to a collision with another vehicle, object, or vehicle.
  • Comprehensive insurance Partially optional :This policy replaces your car or repairs it if it is damaged due to an incident other than a collision, such as theft, flooding or falling objects.
  • Towing and roadside assistance (Optional). : This policy covers costs for getting you back on your way if you have run out of gas, locked your keys in the car, or had a flat tire.
  • Rental coverage Optional  This coverage allows you to rent a car while your vehicle is being repaired after an accident.

Car insurance racine wi rates based on different factors

When it comes time to select liability insurance and insurance coverage, your agent can help you understand all of the options.You can move to Racine from another state without a second thought about the expenses. The average monthly expenses in the United States are $25 more than it is in Racine.

These are not the exact rates you will pay for auto insurance in Racine. Insurance companies take into account a number of factors when determining the price they will charge for your insurance. The monthly premium that you will see is based on your age, gender and vehicle make/model, driving record and, in some cases, score.

We have analyzed Racine’s average rate and broken down each factor to help you understand your monthly bill. You will find that the older you get, the more you’re comfortable driving on roads. This experience can pay off when it comes to car insurance rates. The table below shows that people aged 18-24 pay more than those who are in their 40s.

Your monthly premium will drop for every 10 years. Your rates could rise in Racine once you reach retirement age.

Gender-based Average Car Insurance Rates

Female drivers typically pay slightly less for car insurance than their male counterparts. Racine’s average rate difference is about $4 per month. The table below shows that male drivers are typically paid $57 per month, and female drivers average $53.

Average auto insurance rates based on driving record

Rates will vary depending on your driving record. People with clean driving records will pay less than those with more infractions. A Racine driver record that has only one accident will typically get you a rate of $70 per month. Similar to the above, drivers who have only one ticket on their records will see an average monthly rate of $60.

No matter where you live accidents and tickets can all increase your premium. If you want cheap car insurance, be safe and clean.

The first table shows that the cheapest vehicle to insure in Racine is usually a truck or van at $48 per monthly.

For car owners, the monthly bill will be approximately $57. SUV owners usually pay $55 per month.

The age of your vehicle can also impact the cost of your policy. In general, the most expensive vehicles to insure are those that are newer. Your monthly cost may drop once your car has been in your possession for a while. Racine’s most expensive vehicles to insure include vehicles between four and five years old.

Average Car Insurance Rates based on Relationship Status

In general, people who are currently married pay slightly less for their auto insurance coverage. This is usually due to multiple vehicles in their policies, which some companies will reward by offering discounts.

Racine has a rate differential that is based on the relationship status of up to $9 per month.

Average Car Insurance Rates based on Housing Situation

Insurance companies also consider your living arrangements when calculating your monthly rate. Renting an apartment or home in Racine will cost you around $4 per month more than homeowner. However, those who live with their parents can expect to get a good deal than their renters or owners.

Bundling your Home Depending on the insurance company, rental insurance may be a good option to reduce your car insurance cost.

Recent trends in Racine car insurance

Car insurance rates change frequently so it is in your best interests to research the trends in your area before you decide when and where to shop.

In Racine, car insurance rates increased from 2016-2017 to 2018, before stabilizing in 2018.The premiums for car insurance in Racine rose once again. They reached a peak of $63 in 2020 and then dropped to $53 by 2021.

Racine’s car insurance rates are different than other areas.

Car insurance companies take into consideration a variety of factors when deciding how much to charge for policies. While some of these factors can affect your personal policy, others are based on where you reside. These factors include:

  • Number of drivers in that particular area
  • Regional regulations
  • Crime rates
  • Total number local car accidents per year
  • Parking on the streets

These factors are important to know in order to make an informed decision about whether you want to purchase a policy or move.

What is the best way to find cheapest car insurance racine wi?

It can be useful to get an idea of the average cost for drivers such as yourself. However, the only way you will know what your rate will actually be is to request a quote from insurance companies.

Will I have to change my insurance if I move from Racine?

You should review your current insurance policy whenever you move or have another major life event like getting married or finding a job. Consider reading what is their in policy in accordance with your new city.  

Will I have to wait until my policy expires before I can switch to another car insurance company?

No. You can change companies at any time, regardless of how long you have on your current policy.

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