Car Insurance in Racine, WI

Enjoy adventures near and far without worrying about your car with comprehensive car insurance for Racine drivers.

Compare, shop and customize quotes from top-rated insurance carriers.

Getting Around Racine

With an estimated 76,462 residents. Racine is a mid-sized Wisconsin city located on the shores of Lake Michigan. USA.com reports that 32,294 of those residents over the age of 16 commute to work each day, with an average commute time of just over 20 minutes, almost all of which is done alone in a passenger car. That's a lot of drivers on city roads each day.

Racine has a fairly comprehensive transit system that extends west to I-94. If you prefer to level your car at home, you can take advantage of the more than 700 stops on RYDE Racine's bus system. The system's app provides ETAs and important service alerts to keep riders informed.

Of course, if you prefer to drive, you have plenty of opportunities to explore the area. Milwaukee is about an hour's drive north of Racine, making it easily accessible. Trippy suggests grabbing a bite to eat at the Milwaukee Brat House and then checking out the Milwaukee Art Museum before heading home. Purchasing car insurance in Racine with the help of VIU by HUB can ensure you are protected no matter where your travels take you.

Understanding Racine Car Insurance Coverage Options

Liability insurance pays for personal injuries or property damage you cause to others in an accident. Wisconsin law requires all drivers to maintain minimum liability insurance of at least:

$25,000 coverage per person
$50,000 coverage per accident for two or more people
$10,000 for property damage

Minimum coverage requirements are a good starting point for choosing a policy, but they are often insufficient to protect your personal assets. Many drivers in Racine will opt for only the basic required coverage. However, you can choose to increase protection with collision, comprehensive and roadside assistance coverages.

Paying for Car Insurance in Racine

The average Racine driver pays $1,291 for a full coverage policy, which is almost identical to the state average. High traffic density, low auto theft crime rates and accident statistics are just a few of the factors that likely affect the price of car insurance in Racine. How much you pay for your car insurance will vary.

Some factors that affect how much you pay include your:

Driving record
How much you drive each day
Age or driving experience
Vehicle type

Saving on the Cost of Car Insurance

Drivers have several options for saving on car insurance, including the following:

Increase deductibles: In most cases, higher deductibles on comp and collision coverage translate to lower premiums. Just be sure you are able to cover the higher amount if you file a claim.
Shop for discounts: Many insurance companies offer discounts for safe drivers, good grades or association membership that can significantly lower your premiums. When you shop for car insurance through VIU by HUB, we'll check to make sure you are taking advantage of all available discounts.
Combine policies: Drivers can often save by combining multiple policies together with one company. This can be multiple cars or a car and house policy.
Improve your credit score: Your credit score directly impacts your insurance rates. Working to increase it by making payments on time and limiting debt can help you save money on car insurance in Racine.
Drive safely: Tickets and accident claims increase your insurance premiums. Taking an approved Wisconsin driver safety course can help remove points from your driving record.

Let our agents at VIU by HUB help you compare insurance policies to find the right level of coverage at a price you are comfortable with.

This information is intended for general informational purposes only and is not intended to constitute legal advice.