Compare Racine, MN Car Insurance Rates (2021)

Car insurance in Racine, MN averages $363 a month. Racine, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Racine car insurance rates, compare quotes from the top car insurance companies in Racine, MN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Racine, MN after a DUI are $5,901/year
  • Average car insurance rates in Racine, MN are $4,351/year
  • The cheapest car insurance company in Racine for teen drivers is State Farm

If you need to buy Racine, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Racine, MN is right here.

You’ll find Racine car insurance rates, the cheapest Racine, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Racine, Minnesota car insurance rates to Minneapolis car insurance rates, St. Cloud car insurance rates, and Maple Grove car insurance rates.

Ready to find affordable Racine, MN car insurance today? Enter your ZIP code for fast, free Racine car insurance quotes.

Cheapest Racine, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Racine, MN car insurance rates? Every Racine, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Racine, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,822 $2,822 $2,712 $2,712 $6,487 $9,431 $3,433 $3,611
American Family $2,217 $2,217 $2,008 $2,008 $6,005 $8,729 $2,217 $2,506
Farmers $2,332 $2,336 $2,245 $2,382 $6,756 $6,893 $3,075 $3,065
GEICO $2,399 $2,380 $2,292 $2,228 $5,029 $6,388 $2,248 $2,327
Liberty Mutual $9,135 $9,135 $9,045 $9,045 $17,956 $26,937 $9,135 $12,711
Nationwide $1,786 $1,791 $1,593 $1,687 $4,515 $5,469 $2,092 $2,170
State Farm $1,424 $1,424 $1,269 $1,269 $3,080 $3,796 $1,651 $1,360
USAA $1,875 $1,859 $1,707 $1,704 $5,009 $5,486 $2,447 $2,602

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Minimum Car Insurance in Racine, MN

Every driver must carry the minimum car insurance in Racine, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Racine, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Racine, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Racine, MN. Compare credit history car insurance rates in Racine from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Racine, Minnesota

Insurance Company Poor Fair Good
Allstate $6,235 $3,386 $3,140
American Family $4,750 $3,166 $2,550
Farmers $4,501 $3,309 $3,096
GEICO $3,796 $3,103 $2,586
Liberty Mutual $17,968 $11,618 $9,076
Nationwide $3,137 $2,531 $2,246
State Farm $2,783 $1,702 $1,242
USAA $4,450 $2,171 $1,887

Cheapest Racine, MN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Racine, MN to rates for a clean record with top companies.

Annual Racine, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,075 $4,480 $5,418 $4,044
American Family $2,343 $4,224 $4,729 $2,657
Farmers $3,120 $3,900 $3,955 $3,567
GEICO $2,098 $3,336 $4,965 $2,248
Liberty Mutual $9,433 $12,953 $18,990 $10,174
Nationwide $2,097 $2,778 $3,194 $2,483
State Farm $1,755 $2,063 $1,909 $1,909
USAA $2,107 $2,684 $4,046 $2,508

Cheapest Racine, MN Car Insurance for Teen Drivers

Teen car insurance in Racine, MN can be expensive. Take a look at rates from the top car insurance companies in Racine for teenagers.

Annual Car Insurance Rates for Teen Drivers in Racine, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,487 $9,431
American Family $6,005 $8,729
Farmers $6,756 $6,893
GEICO $5,029 $6,388
Liberty Mutual $17,956 $26,937
Nationwide $4,515 $5,469
State Farm $3,080 $3,796
USAA $5,009 $5,486

Cheapest Racine, MN Car Insurance for Seniors

Take a look at Racine, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Racine, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,712 $2,712
American Family $2,008 $2,008
Farmers $2,245 $2,382
GEICO $2,292 $2,228
Liberty Mutual $9,045 $9,045
Nationwide $1,593 $1,687
State Farm $1,269 $1,269
USAA $1,707 $1,704

Cheapest Racine, MN Car Insurance Rates After a DUI

A DUI in Racine, MN increases car insurance rates. Compare Racine, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Racine, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,418
American Family $4,729
Farmers $3,955
GEICO $4,965
Liberty Mutual $18,990
Nationwide $3,194
State Farm $1,909
USAA $4,046

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Cheapest Racine, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Racine, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Racine, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,254 $4,254
American Family $3,448 $3,529
Farmers $3,635 $3,635
GEICO $3,120 $3,203
Liberty Mutual $12,510 $13,265
Nationwide $2,638 $2,638
State Farm $1,858 $1,960
USAA $2,799 $2,873

The Best Cheap Car Insurance Companies in Racine, MN

Take a look at a side-by-side comparison of the top car insurance companies in Racine, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Racine, Minnesota

Insurance Company Average Annual Rates
Allstate $4,254
American Family $3,488
Farmers $3,635
GEICO $3,162
Liberty Mutual $12,887
Nationwide $2,638
State Farm $1,909
USAA $2,836

Category Winners: Cheapest Car Insurance in Racine, Minnesota

Find the cheapest car insurance companies in Racine, MN for each category right here.

Best Annual Car Insurance Rates by Company in Racine, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest Racine, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Racine car insurance rates. Find the cheapest Racine, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Racine, Minnesota

Insurance Company Low Medium High
Allstate $4,201 $4,251 $4,310
American Family $3,485 $3,586 $3,395
Farmers $3,502 $3,652 $3,752
GEICO $3,064 $3,160 $3,260
Liberty Mutual $12,579 $12,897 $13,186
Nationwide $2,495 $2,656 $2,763
State Farm $1,834 $1,915 $1,977
USAA $2,757 $2,834 $2,917

What affects car insurance rates in Racine, Minnesota?

What factors can have an impact on Racine, MN car insurance? There are several reasons why Racine car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Racine, Minnesota.

Commute Time in Racine

The more time you spend in your car the higher the risk of an accident. The average commute length in Racine, MN is 24.6 minutes according to City-Data.

Traffic in Racine

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Racine, MN traffic data from INRIX ranks Racine as the 756th-most congested in the world.

Compare Car Insurance Quotes in Racine, MN

Ready to find affordable Racine, Minnesota car insurance today? Enter your ZIP code for fast, free Racine, MN car insurance quotes.

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