For a 40-year-old driver with a clean record, Racine car insurance averages about $183 a month ($2,201 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Wisconsin average of $184 a month. Progressive has the lowest full-coverage average among the six major insurers we compared (Acuity, Allstate, American Family, Erie, GEICO and Progressive), at about $125 a month.
Racine is priced close to the Wisconsin average and about the same as Kenosha, about 10 miles south. Our benchmark driver pays about $61 a month less here than in Milwaukee.
Our data covers five ZIP codes with a Racine mailing address, from about $177 a month in 53406 to $191 in 53404.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Racine ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Racine, WI?
Full coverage in Racine averages $2,201 a year, or about $183 a month, for our benchmark driver. Liability-only coverage at Wisconsin’s 25/50/10 minimum averages $687 a year ($57 a month), and 50/100/50 liability with comprehensive and collision averages $2,219 ($185 a month).
- Full coverage (100/300/100, $500 deductibles): $2,201 a year ($183 a month)
- 50/100/50 with $500 deductibles: $2,219 a year ($185 a month)
- Liability only (25/50/10): $687 a year ($57 a month)
- Racine County: $2,136 a year ($178 a month) for full coverage
- Wisconsin average: $2,210 a year ($184 a month) for full coverage
- ZIP code range: $177 (53406) to $191 (53404) a month for full coverage
Cheap Car Insurance in Racine: Companies Compared
- Lowest average among the six major insurers we compared, full coverage: Progressive, at about $125 a month ($1,498 a year).
- Next lowest: Erie, at about $139 a month, then GEICO at $168.
- Lowest liability-only average (25/50/10): Progressive, at about $33 a month, then Erie at $37.
- State Farm (Nov. 2025 rates)*: about $142 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $88 a month, Travelers at $96 and Auto-Owners at $220 (USAA sells only to military families).
- Most expensive in our data: American Family and Allstate, effectively tied at about $229 and $227 a month.
Progressive has the lowest full-coverage average among the six insurers in our Racine rate data. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts American Family first. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $33 a month, followed by Erie at $37.
Full-coverage averages by insurer in Racine
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $391 | $33 | $1,498 | $125 |
| Erie | $446 | $37 | $1,666 | $139 |
| GEICO | $656 | $55 | $2,012 | $168 |
| Acuity | $666 | $56 | $2,550 | $213 |
| Allstate | $1,072 | $89 | $2,726 | $227 |
| American Family | $891 | $74 | $2,752 | $229 |
| State Farm (Nov. 2025 rates)* | $507 | $42 | $1,709 | $142 |
| USAA (military families)* | $359 | $30 | $1,054 | $88 |
| Travelers* | $549 | $46 | $1,151 | $96 |
| Auto-Owners* | $760 | $63 | $2,635 | $220 |
| Racine average | $687 | $57 | $2,201 | $183 |
This table uses Racine ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Racine Car Insurance Rates by ZIP Code
Across the five Racine ZIP codes we price, full coverage for our driver ranges from about $177 a month in 53406 to $191 in 53404, a gap of $166 a year.
Lowest-priced Racine ZIP codes
Highest-priced Racine ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Racine’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 53402 | $680 | $57 | $2,191 | $183 | About average |
| 53403 | $678 | $57 | $2,174 | $181 | -1% |
| 53404 | $707 | $59 | $2,286 | $191 | +4% |
| 53405 | $699 | $58 | $2,233 | $186 | +2% |
| 53406 | $670 | $56 | $2,120 | $177 | -3% |
Your ZIP code matters
Does Better Coverage Cost More in Racine?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Racine data: with the same $500 deductibles, full coverage averages $2,201 a year and 50/100/50 averages $2,219. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, American Family and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Racine?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Racine ZIP codes, their full-coverage average fell from $2,286 a year nine months earlier to $2,247 in rates as of Aug. 31, 2026, a 1.7% drop. Progressive cut its Racine average 7.1% and American Family 1.5%, while Allstate’s and GEICO’s averages were unchanged. Acuity and Erie are new in our rates over the past nine months, so they’re left out, which is why these averages differ from the Racine average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits rose 0.7%, led by American Family, which raised its liability-only average 2.3%.
What Shapes Car Insurance Costs in Racine
Racine County averages about $178 a month for full coverage, the 43rd-most expensive of the 62 Wisconsin counties we price. Milwaukee County, to the north, averages $231.
Towns west of the city cost less: Sturtevant averages about $173 a month, Franksville $171, Burlington $172 and Waterford $170. Where your car is garaged is one of the factors Wisconsin insurers use, so neighboring cities can be priced differently.
How Racine Car Insurance Compares With Other Wisconsin Cities
More Wisconsin cities and towns are in the Wisconsin rates by city table, and you can compare states on our car insurance rates by state page.
Kenosha, about 10 miles south, averages $184 a month, and Milwaukee, about 25 miles north, $244. Madison averages $171.
What Car Insurance Is Required in Racine?
Drivers in Racine follow Wisconsin’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $10,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries only
Underinsured motorist coverage and medical payments coverage are optional, but insurers must tell you they’re available. Our Wisconsin requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Racine
- Compare Progressive and Erie first. They have the two lowest full-coverage averages among the six major insurers we compared in Racine, about $125 and $139 a month.
- Quote several insurers. Among the six major insurers we compared in Racine, the lowest and highest averages are about $104 a month apart for the same driver and car.
- Decide on medical payments coverage. Wisconsin insurers must offer it and you can decline it. It pays medical bills for you and your passengers, starting at $1,000 in coverage.
- Compare at every renewal. Over the past nine months, Progressive has cut its Racine average 7.1% and American Family 1.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Wisconsin home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Racine Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 30 full-coverage premiums from six insurers across five Racine ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Wisconsin’s 25/50/10 minimum, with 25/50 uninsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Acuity and Erie aren’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Wisconsin rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Wisconsin law and the Wisconsin Office of the Commissioner of Insurance. We refresh these figures when new rate data is released.
Racine Car Insurance FAQ
For our benchmark driver, full coverage in Racine averages about $183 a month ($2,201 a year) and liability-only coverage about $57 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Wisconsin average of $184 a month.
Progressive has the lowest full-coverage average in our Racine rate data, at about $125 a month, followed by Erie at $139. For liability-only coverage, Progressive has the lowest average, at about $33 a month. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Racine, for our benchmark driver. Racine full coverage averages about $183 a month and Milwaukee about $244, a difference of about $61 a month for the same driver and car.
In our data, 53406 has the lowest full-coverage average in Racine, at about $177 a month, and 53404 the highest, at about $191. The ZIP code table on this page lists all five.
In our Racine data, full coverage (100/300/100 with $500 deductibles) averages about $183 a month and liability-only coverage at 25/50/10 limits about $57, a difference of about $126 a month ($1,514 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Wisconsin law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Acuity and Erie are new over the past nine months), their Racine full-coverage average fell 1.7%, from about $2,286 to $2,247 a year. That’s higher than the Racine average of $2,201 because it leaves out Acuity and Erie. Progressive cut its Racine average 7.1% and American Family 1.5%. Liability-only coverage at 25/50/10 limits rose 0.7%.
For our benchmark driver, full coverage in Racine averages about $183 a month. Nearby, Kenosha averages about $184, Milwaukee about $244 and Madison about $171. Madison is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
