Racine, WI, auto insurance averages $352 per year more than the Wisconsin state average cost ($1,036) and $163 per year less than the U.S. national average rate ($1,551). Car insurance rates for a few popular models in Racine include the Toyota RAV4 at $1,392 per year, Honda Accord at $1,450, and Nissan Sentra at $1,358.