Cheap Auto Insurance Quotes in Racine, WI, for 2023

Car Insurance in Racine, WI

Located about 25 miles south of Milwaukee and 60 miles north of Chicago, Racine is a great place to call home. If you’re a driver in Racine, you may be on the lookout for car insurance. After all, you need it to drive legally in Wisconsin. The good news is it’s easy to find and compare auto insurance quotes so you can find the ideal coverage for your needs.

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Cheapest Car Insurance in Racine, WI

You can find affordable car insurance coverage in Racine. It’s available from leading auto insurance companies, like Progressive and Nationwide, and smaller ones, like Novo and First Chicago. As long as you do your research and shop around, you can save hundreds of dollars per year on your auto policy.

To make your life a bit easier, we’ve created this table of the various car insurance companies in Racine and their average monthly premiums. It can give you an idea of what you may pay for cheap car insurance in the area.

Best Car Insurance in Racine, Wisconsin

Just because an auto insurance provider offers cheap rates doesn’t mean it’s a good one. To find the best car insurance companies in Racine, we assigned an Insurify Composite Score (ICS) to each insurer in the area. This calculation involves financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, and more.

Below, you’ll find a list of top car insurance companies in Racine as well as their average monthly premium and ICS. You can use this table to find an auto insurance provider that’s both affordable and high in quality.

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Minimum Car Insurance Requirements in Wisconsin

All motor vehicles operated or parked on Wisconsin roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wisconsin^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wisconsin is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wisconsin, drivers are only required to purchase coverage for bodily injury.

Racine Car Insurance Rates by Driver Age

It should come as no surprise that young drivers typically pay the most for their car insurance coverage. After all, they’re less experienced and more likely to take risks that lead to traffic violations and car accidents. Fortunately, auto insurance premiums tend to go down at the age of 25 and the best rates are reserved for those in their 50s and 60s with good driving records.

At around age 65, your rates may creep back up again due to physical and mental limitations that you may face. To give you an idea of how age impacts car insurance, here’s a breakdown of car insurance premiums in Wisconsin by different driver age groups.

Racine Car Insurance Rates by Driving and Accident History

If your driving record contains speeding tickets, at-fault accidents, and/or DUIs, car insurance companies will consider you a high-risk driver. Unfortunately, this means you’ll pay more for your auto insurance coverage. To receive the lowest rates, make sure you practice safe driving habits that lead to a clean record. This table shows rates in Racine by driving history.

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High-Risk Car Insurance Wisconsin

DUI Car Insurance Wisconsin

Racine Car Insurance Rates by Credit Tier

Believe it or not, your credit score may impact your car insurance premiums. Most car insurance companies use credit as a factor when determining rates. This is because studies have shown that a driver’s credit rating can indicate how many claims they may file.

It allows auto insurance providers to save the more expensive premiums for drivers who will use their policies the most. Below, we’ve included a table that shows how credit in Racine affects what you may pay for car insurance. As you can see, excellent credit gives you access to the best rates, while poor credit will lead to the most expensive premiums.

How to Get the Cheapest Car Insurance in Racine

You don’t have to pay an arm and a leg for a car insurance policy in Racine. If you do your own research or work with an insurance agent, you’ll find that there are many large and small auto insurance companies that offer affordable coverage to drivers in the area. If you’re busy and don ’t have time to compare providers and policies, Insurify is a great resource.

With this tool, you can receive personalized car insurance quotes in minutes. Best of all, there are no fees or sign-ups involved. You’ll be able to quickly and conveniently compare car insurance rates and find a cheap car insurance plan that meets your particular budget and needs.

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