Car Insurance Cost in Racine, WI – Averages (2025) + Cheapest to Insure

• The average cost of car insurance in Racine is $2,278 per year, or about $190 per month for full coverage.
• Racine, WI, auto insurance averages $300 per year more than the Wisconsin state average cost ($1,978) and $57 per year more than the U.S. national average rate ($2,221).
• Car insurance rates for a few popular models in Racine include the Toyota RAV4 at $2,100 per year, Honda Accord at $2,200, and Nissan Sentra at $2,086.
• Models like the Chevrolet Trailblazer, Nissan Kicks, Subaru Crosstrek, and Buick Encore receive top rankings for cheap car insurance in Racine.
• A few models with the lowest cost auto insurance in their segment include the Kia K5 at $2,194 per year, Toyota GR Corolla at $1,978 per year, Nissan Titan at $2,130 per year, and Acura RDX at $1,904 per year.
• Auto insurance quotes in Racine can range from as low as $31 per month for the minimum required liability coverage to well over $658 per month for drivers with poor driving records.

How much does average car insurance cost in Racine?

Average car insurance rates in Racine cost $2,278 per year, or about $190 per month. That’s 2.5% more expensive than the overall overall national average rate of $2,221 per year.

In the state of Wisconsin, average car insurance cost is $1,978 per year, so the average cost in Racine is $300 more per year. The cost of auto insurance in Racine compared to other Wisconsin cities is approximately $274 per year more expensive than in Madison, $434 per year more than in Green Bay, and $152 per year less than in Milwaukee.

The next chart summarizes average auto insurance cost in Racine, WI, broken out based on a range of different driver ages, policy deductibles, and driver risk scenarios. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

The average cost of car insurance per month in Racine is $190, with policy prices ranging from $158 to $436 for the data shown in the chart above.

Car insurance rates have different premiums for every driver and can also be very different depending on the company. Since there can be such a large difference in rates, it stresses the need for accurate free auto insurance quotes when shopping around for the cheapest rate.

Driver age has the biggest impact on the price of auto insurance. The list below illustrates these differences by showing average car insurance rates for drivers from 16 to 60.

Car insurance cost in Racine, Wisconsin, for drivers age 16 to 60

• 16-year-old rated driver – $8,108 per year or $676 per month
• 17-year-old rated driver – $7,855 per year or $655 per month
• 18-year-old rated driver – $7,039 per year or $587 per month
• 19-year-old rated driver – $6,408 per year or $534 per month
• 20-year-old rated driver – $4,580 per year or $382 per month
• 30-year-old rated driver – $2,428 per year or $202 per month
• 40-year-old rated driver – $2,278 per year or $190 per month
• 50-year-old rated driver – $2,018 per year or $168 per month
• 60-year-old rated driver – $1,892 per year or $158 per month

The rates in the list above for teenage drivers assumed the gender of the driver was male. The next chart gets more specific and separates the average cost to insure teen drivers in Racine, WI, by gender. Teenage female drivers cost a lot to insure, but they are usually cheaper than male drivers of the same age.

Car insurance for a 16-year-old female in Racine costs an average of $534 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $987 per year.

Most popular vehicles in Racine

The car insurance rates mentioned previously take all 2024 models and come up with an average cost, which is suitable for making generalized comparisons such as the cost for different driver ages or locations.

For deeper cost comparisons, however, the data will be better if we compare rates for the specific model of vehicle being insured. If you read farther in this article, we explore car insurance rates for many different specific vehicles, but for now, let’s just look at a handful of the more popular vehicles to find out how car insurance rates size up in Racine.

This next list displays both annual and monthly average car insurance rates in Racine for some of the most popular cars, trucks, and SUVs.

Car insurance rates for popular vehicles in Racine

• Toyota RAV4 – $2,251 per year or $188 per month
• Honda Accord – $2,361 per year or $197 per month
• Nissan Sentra – $2,234 per year or $186 per month
• Toyota Tacoma – $2,469 per year or $206 per month
• GMC Sierra – $2,700 per year or $225 per month
• Hyundai Elantra – $2,648 per year or $221 per month
• Chevrolet Silverado – $2,694 per year or $225 per month
• Jeep Cherokee – $2,628 per year or $219 per month
• Ford F150 – $2,734 per year or $228 per month
• Toyota Highlander – $2,227 per year or $186 per month

Which vehicles cost the least to insure in Racine?

The vehicles with the lowest cost average car insurance rates in Racine tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Toyota Corolla Cross. Average auto insurance quotes for those compact SUVs cost $1,980 or less per year for full coverage.

Additional models that are in the top 20 in our car insurance price comparison are the Kia Niro, Volkswagen Tiguan, Volkswagen Taos, and Buick Envista.

Average insurance cost is a little bit more for those models than the cheapest small SUVs that rank near the top, but they still have average rates of $177 or less per month.

The following table ranks the top 25 models with the cheapest car insurance rates in Racine, ordered starting with the cheapest.

The table above that contains 25 vehicle rankings serves the purpose if you’re just looking for any vehicle with cheap insurance rates. Considering the fact that we have over 700 models in our database, less than 4% of makes and models are shown in the table. So let’s rethink this and reorganize the cheapest models a more sensible way, by automotive segment.

The next section of this article showcases the average cost of car insurance for each vehicle segment. The average rates shown will provide a better idea of the automotive segments that have the best average auto insurance rates. The sections after the chart rank the cheapest insurance rates for specific models for the primary segments.

Insurance rates by automotive segment

If you are considering buying a new vehicle, it is useful to know which categories of vehicles are less expensive to insure. For example, maybe you want to know if SUVs are cheaper to insure than minivans or if luxury cars or SUVs cost more to insure than non-luxury models.

The next chart shows average car insurance rates in Racine for different vehicle segments. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the cheapest rates, with luxury, performance, and sports cars having the highest average cost of insurance.

Average rates by segment are handy for making an overall comparison, but insurance cost varies greatly within each automotive segment shown in the previous chart.

For example, in the midsize luxury car segment, auto insurance rates in Racine range from the Mercedes-Benz CLA250 costing $2,344 per year for a full coverage policy up to the BMW M8 at $3,838 per year, a difference of $1,494 within that segment.

For another example, in the large luxury SUV segment, average rates range from the Infiniti QX80 at $2,554 per year up to the Mercedes-Benz G63 AMG at $4,894 per year, a difference of $2,340 within that segment.

In the next sections of the article, we will eliminate a lot of this variability by looking at the cost of car insurance in Racine for individual vehicles.

Cars with affordable insurance rates in Racine, Wisconsin

The Toyota GR Corolla takes the #1 ranking as the most budget-friendly sedan or hatchback to insure in Racine, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $1,978 per year for a full-coverage insurance policy.

Additional cars that have cheaper rates are the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Prius, with average cost of $2,216 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Toyota Crown, Mitsubishi Mirage G4, Mazda 3, Hyundai Sonata, and Kia Forte average between $2,216 and $2,356 per year to insure in Racine.

Auto insurance in Racine for this segment for a middle-age safe driver starts at an average of $165 per month, depending on the company. The comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Racine, starting with the Toyota GR Corolla at $1,978 per year and ending with the Mazda 3 at $2,356 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Racine car insurance quotes from top auto insurance companies in Wisconsin.

Cheapest SUVs to insure in Racine, WI

The four cheapest non-luxury SUVs to insure in Racine are the Subaru Crosstrek at $1,682 per year, Chevrolet Trailblazer at $1,712 per year, Kia Soul at $1,778 per year, and Nissan Kicks at $1,792 per year.

Some other SUVs that are affordable to insure are the Buick Envision, Mazda CX-5, Toyota Corolla Cross, and Ford Bronco Sport, with average insurance cost of $1,864 per year or less.

Auto insurance rates in Racine for this segment for a middle-age safe driver can cost as low as $140 per month, depending on the company and your location.

The rate comparison table below ranks the twenty SUVs with the most affordable average insurance rates in Racine.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Need rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Racine car insurance quotes from the best auto insurance companies in Wisconsin.

Most affordable sports car insurance rates in Racine

The cheapest sports cars to insure in Racine are the Mazda MX-5 Miata at $2,108 per year, the Toyota GR86 at $2,400 per year, and the Ford Mustang at $2,500 per year.

Additional models that have cheaper rates are the Toyota GR Supra, Subaru BRZ, Lexus RC F, and Nissan Z, with an average car insurance cost of $2,720 per year or less.

Ranking between positions 10 and 20, models like the Mercedes-Benz AMG GT53, Porsche Taycan, BMW M4, BMW M3, Lexus LC 500, and Chevrolet Camaro average between $2,720 and $3,858 to insure per year in Racine.

As a cost per month, car insurance on this segment in Racine can cost as low as $176 per month, depending on the company.

The rate comparison table below ranks the sports cars with the cheapest car insurance in Racine, starting with the Mazda MX-5 Miata at $2,108 per year ($176 per month) and ending with the Porsche Taycan at $3,858 per year ($322 per month).

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Wisconsin.

Cheapest pickup insurance rates in Racine

The top-ranked model in Racine for the lowest-cost insurance in the pickup segment is the Chevrolet Colorado, at an average of $2,006 per year. Second place is the Nissan Titan costing $2,130 per year, and the third cheapest is the Nissan Frontier, at an average of $2,152 per year.

Rounding out the top 10 are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with an average car insurance cost of $2,344 per year or less.

Car insurance in this segment for a safe driver starts at an average of $167 per month, depending on your location and insurance company. The rate comparison table below ranks the pickups with the lowest-cost average insurance rates in Racine, starting with the Chevrolet Colorado at $167 per month and ending with the Ram Truck at $220 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Racine car insurance quotes from top companies in Wisconsin.

Luxury cars with cheap insurance in Racine

Sitting at number one in Racine for cheapest average insurance in the luxury sedan segment is the Acura Integra, coming in at $2,024 per year. Second place is the BMW 330i at $2,318 per year, ranking third is the Mercedes-Benz CLA250, at an average of $2,344 per year, and the fourth cheapest is the Lexus IS 300, costing an average of $2,348 per year.

Additional luxury cars that have cheaper rates include the Mercedes-Benz AMG CLA35, Lexus RC 300, Lexus ES 350, and Cadillac CT4, with average insurance cost of $2,394 per year or less.

Auto insurance rates for this segment in Racine for a safe driver starts at an average of $169 per month, depending on the company.

The cheapest compact luxury car to insure in Racine is the Acura Integra at $2,024 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,344 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,706 per year.

The table below ranks the twenty cars with the cheapest insurance rates in Racine, starting with the Acura Integra at $2,024 per year ($169 per month) and ending with the Audi S3 at $2,554 per year ($213 per month).

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Wisconsin.

Cheapest luxury SUV insurance rates in Racine, WI

Ranking #1 in Racine for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, costing an average of $1,904 per year. Second place is the Lexus NX 250 at $2,014 per year, and third place goes to the Cadillac XT4, costing an average of $2,056 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are SUVs like the Lincoln Corsair, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average cost of $2,194 per year or less.

Some additional 2024 models that make the list include the Infiniti QX50, Land Rover Evoque, Mercedes-Benz AMG GLB35, Lexus NX 350, and Lexus RX 350, which average between $2,194 and $2,286 per year for insurance.

Car insurance in this segment for a good driver will start around $159 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the most budget-friendly compact luxury SUV to insure in Racine is the Acura RDX at $1,904 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $2,128 per year. And for full-size luxury models, the Infiniti QX80 has the cheapest rates at $2,554 per year.

The next table ranks the luxury SUVs with the lowest-cost insurance in Racine.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Racine car insurance quotes from top-rated auto insurance companies in Wisconsin.

Tips for finding cheap Racine auto insurance quotes

Smart drivers in Racine are always looking to cut the monthly cost of car insurance So take a minute to review the money-saving ideas in the list below and maybe you’ll find a way to save a few bucks the next time your policy renews.

• Higher physical damage deductibles lower policy cost. Boosting your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Compare rates before buying a car. Different vehicle models have very different car insurance rates, and insurers can charge a wide range of costs. Get plenty of comparison quotes before you buy a new car so you can avoid any surprises when you receive your first bill.
• Research discounts to save money. Discounted rates may be available if the insured drivers are military or federal employees, take a defensive driving course, belong to certain professional organizations, are good students, or many other discounts which could save the average Racine driver as much as $386 per year.
• Choose a vehicle that is cheaper to insure. Vehicle type is a big factor in the price you pay for car insurance in Racine. For example, a Subaru Forester costs $520 less per year to insure in Racine than a Nissan 370Z. Drive cheaper models and save money.
• Earn a discount from your employer. The large majority of auto insurance providers offer discounts for being employed in professions like engineers, police officers and law enforcement, high school and elementary teachers, nurses, firefighters, doctors, and others. If your occupation qualifies you for this discount, you may save between $68 and $221 on your car insurance premium, depending on the policy coverages selected.
• Be a careful driver and pay less for car insurance in Racine. Having a few at-fault accidents can really raise rates, as much as $3,248 per year for a 20-year-old driver and even $684 per year for a 50-year-old driver. So drive safe and save money!
• Shop around often. Setting aside 5-10 minutes to get free car insurance quotes is a smart way to save money. Rates change frequently and switching companies is very easy to do.