Updated March 2026
See all Wisconsin auto insurance rates →
What Affects Rates in Racine
- The I-94 stretch through Racine sees aggressive enforcement for speed and impaired driving, particularly between the Highway 20 and Highway 11 exits. Many Racine residents accumulate points or receive OWI charges here, triggering both suspensions and mandatory SR-22 filings upon reinstatement.
- A significant portion of suspended drivers in Racine don't own vehicles but need SR-22 coverage to meet Wisconsin reinstatement requirements. Non-owner policies are common here, especially among residents using Racine Transit or carpooling to Kenosha or Milwaukee for work.
- Drivers reinstating in the downtown Washington Avenue area and the Uptown neighborhood face higher rates due to elevated theft and accident frequency. Suspended drivers living near 6th Street or Memorial Drive typically see 15-25% higher premiums than those in western Racine near Sturtevant.
- Wisconsin offers Occupational licenses for drivers suspended due to OWI, allowing limited driving to work, school, or treatment. Racine County processes these applications through the DMV Driver Safety office on College Avenue, and approval typically requires SR-22 proof before issuance.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
State-mandated liability filing required for DUI, reckless driving, and repeat violations in Wisconsin.
Liability coverage for drivers without a vehicle who need SR-22 proof for reinstatement.
Minimum coverage required by Wisconsin law: 25/50/10 limits.
Optional protection against drivers without insurance in accidents.
High-risk coverage for drivers with DUI, multiple violations, or lapses.
SR-22 Insurance
Required for most Racine OWI reinstatements and drivers suspended after accumulating points on I-94 or Washington Avenue.
$25-$50 filing fee plus elevated premiumsEstimated range only. Not a quote.
Non-Owner SR-22
Common among Racine residents using transit or carpooling to Kenosha who must meet state SR-22 requirements to restore their license.
$35-$70/monthEstimated range only. Not a quote.
Liability Insurance
Even non-SR-22 suspensions in Racine require proof of liability coverage before the DMV processes reinstatement.
$85-$180/monthEstimated range only. Not a quote.
Uninsured Motorist Coverage
Racine County has a higher-than-average uninsured driver rate, particularly along the southern I-94 corridor near the Illinois border.
$15-$35/month additionalEstimated range only. Not a quote.
Non-Standard Auto Insurance
Most Racine reinstating drivers need non-standard carriers due to OWI convictions or point accumulation from downtown enforcement.
$120-$240/monthEstimated range only. Not a quote.