Best Green Bay, WI Auto Insurance in 2025 (Top 10 Company Ranking)

The best Green Bay, WI auto insurance companies are State Farm, AAA, and Allstate, with a monthly starting rate of $45.

 

Our Top 10 Company Picks: Best Green Bay, WI Auto Insurance

Looking for cheap auto insurance in Green Bay, WI? We understand that searching for the right auto insurance provider can be a bit of a hassle. We’re here to help you find cheap auto insurance.

To obtain free car insurance rates from the top-rated providers right now, input your Green Bay ZIP code in our FREE tool above to search for cheap car insurance in Green Bay, WI. The tool will generate results for multiple Green Bay, WI car insurance companies.

Best Green Bay, WI Auto Insurance Monthly Rates

Premiums differ from company to company. Check the cheap Green Bay auto insurance below for the lowest price and the right coverage.

Green Bay, WI Auto Insurance Monthly Rates by Provider & Coverage Level

Allstate, AAA, and Geico are among the insurers that offer the lowest rates for minimum and full coverage. Remember that these rates also vary depending on your purchase policy and add-ons. This next table will show the average monthly rates offered by companies in Green Bay.

Green Bay, WI Auto Insurance Monthly Rates by Provider

Is your insurer charging you above the average rate? Let’s examine a comparable table, this time for coverage levels.

Green Bay, WI Auto Insurance Monthly Rates by Coverage Level

Do they have a friendly customer support system? Can they shell out on claims as outlined in your agreement? Make certain you search the websites of all your prospective insurance providers prior to making your final decision because choosing the right insurance provider goes beyond its rates alone.

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Top Providers and Discounts for the Best Green Bay, WI Auto Insurance

If the monthly auto insurance premiums are beyond your budget and you want so badly to purchase the specific coverage, then this one is for you. You can choose many options to lower your auto insurance premiums. Check out this table below.

Auto Insurance Discounts From the Top Providers in Green Bay, WI

The most common way is to bundle your car insurance with home, life, or health insurance policies. More discounts are available in every insurance provider listed above. So sit back, the extensive discount opportunities are on their way.

These companies emphasize that combining auto, home, or life insurance streamlines coverage and unlocks exclusive discounts for policyholders.

Best Green Bay, WI Insurance

State Farm stands out in Green Bay, WI, for car insurance.

 

The city of Green Bay is diversifying into various service sectors. Green Bay jobs are booming, and Green Bay school districts are reputable.

Fun Fact: If you’re a waffle fan, you’ll love Green Bay. It is ranked #17 on the list of “Top 101 ZIP codes with the largest percentage of Belgian first ancestries.”

The city is also home to the well-known professional football team, the Green Bay Packers.

Auto Insurance Coverage Requirements in Wisconsin

Driving legally in Green Bay requires:

Wisconsin Auto Insurance Coverage Requirements

Don’t forget that automobile liability coverage is very limited. Your insurance will only pay for claims when you get into an accident that you are considered responsible for (when the accident is not the other driver’s fault).

If your vehicle is stolen, or you enter into any accident brought on by another person, your insurance won’t shell out on any claims.

For many motorists, especially individuals with imperfect credit or perhaps a tainted driving history, average monthly Wisconsin car insurance rates are often as high as $91 or more.

However, with a favorable credit record and clean driving record, you can get insured for approximately $45 monthly in Green Bay. Be sure to shop around and discuss any possible savings options with your insurance agent to get the best rates possible.

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Major Car Insurance Factors in Green Bay

Companies that provide you with auto insurance policies evaluate numerous variables while establishing insurance prices, including driving experience, ZIP code, occupation, miles driven each year, and business use of the vehicle.

Experts say even small changes in annual mileage or occupation can significantly impact the cost of coverage. Are you paying more than the average for your demographic? Learn more about the factors that affect car insurance premiums below.

Your ZIP codes

When your car insurance agency prepares to write your insurance plan, it considers several aspects. Some of these, like your age or perhaps your precise region, are difficult to modify. Another factor that determines your rate is your ZIP code. The following table shows the average rate for the ZIP codes in Green Bay, WI.

Green Bay, WI Auto Insurance Monthly Rates by ZIP Code

The table below shows the Wisconsin ZIP codes with the 25 cheapest annual auto insurance rates.

Wisconsin 25 Cheapest Auto Insurance Monthly Rates by ZIP Codes

And here are Wisconsin’s 25 most expensive ZIP codes for auto insurance.

Wisconsin 25 Most Expensive Auto Insurance Monthly Rates by ZIP Code

Are you paying too much for auto insurance in your ZIP code? Automobile insurance companies need to know your address, or the places you will likely drive most often, to estimate the prospect of a crash.

It comes down to a simple concept: the greater the population, the greater the number of cars there will be while traveling, and therefore, the more likely you are to get in a wreck with different motor vehicles. The population of Green Bay is 105,744, and the general household earnings are $66,950 in 2023. Thus, it is important to understand the driving tips for road safety.

Your Credit Score

Many people don’t understand how important their credit rating happens to be when figuring out their car insurance premiums. If you have a bad credit score, your monthly rate will be much higher than the payment of a driver who is fortunate enough to have an excellent credit rating.

Green Bay, WI Auto Insurance Monthly Rates by Credit Score

As you can see, the amount of premiums for good credit has almost doubled compared to bad credit premiums. It essentially shows you that maintaining a good credit score can lead to huge savings instead of paying more on insurance when you actually can do something about it. Remember to get a credit check before buying your insurance policy.

Read more: How Your Credit Score Affects Your Car Insurance Premiums

Your Gender and Age

As for age, the more youthful and less experienced a driver you are, the greater your chances of getting involved in an accident. However, teenage motorists can help eliminate some of their insurance charges by working hard to get good student discount rates and taking motorists’ and defensive driving courses. Check more in the video below.

Before we continue, let’s examine a table showing some rate differentials based on age and/or gender.

Green Bay, WI Auto Insurance Monthly Rates by Provider, Age & Gender

Contrary to outdated stereotypes, based on most insurance providers, there is no difference in risk between men and women motorists. If your provider charges different rates, they should add up to a maximum of 2-3 percent. Some companies reward female motorists, while other providers charge less for men.

Your Driving Record

The more violations you have on your record, the more likely you are to file a claim, which will lead your provider to charge you higher premiums. Check the table below for the rate difference on one violation alone.

Green Bay, WI Auto Insurance Monthly Rates by Driving Record

But if you have too many citations or commit a serious violation, such as a first-offense DUI that affects car insurance after DUI, you could lose your coverage altogether.

Automotive Accidents

Auto insurance claims and accident rates vary by vehicle type, influencing Green Bay, WI coverage costs. Check this out.

Sedans account for the highest number of accidents, followed by SUVs and pickup trucks, while hybrid and electric vehicles have the fewest incidents. Understanding these trends can help drivers decide about their insurance needs and vehicle safety.

Auto Theft in Green Bay

Obtaining cheap auto insurance can be tough if you are vulnerable to auto theft. Several popular automobiles are attractive to thieves, and automobiles that are frequently parked in huge urban centers can also be seen as targets.

Even if you aren’t worried about auto theft, you still might want to consider the other benefits of carrying Comprehensive coverage on your policy. Let’s examine the FBI’s most recent data on crime, including theft, in Green Bay, which is from 2023.

Next is a video from the Green Bay Press Gazette and CBS 5 showing an unfortunate recent rise in automobile theft. Information on how to contact local police is included.

This video reiterates just how important it is to carry Comprehensive coverage.

Your Vehicle’s Make and Model

What you drive is one of the most substantial factors. Expensive luxury vehicles aren’t just more expensive to insure and cost more to replace.

Oddly, you will want to protect an expensive car with additional insurance coverage. The more coverage you buy, the more premiums you will have to pay.

Read more: The Most Expensive Cars To Insure

Your Marital Status

Marital status is also a factor, albeit a minor one. If an individual factors in marital status, their insurance policy might differ by one to two percent. However, married couples can help to save money by bundling multiple policies insured by the same company.

Combining car insurance after marriage frequently gives discount rates in exchange for bundling multiple financial products together.

Your Education

Education is another aspect that insurance companies consider when calculating rates. Many of the adults living in Green Bay have a high school diploma hanging on the wall — 35 percent, in fact. Another 17 percent of the population has not yet completed their high school education.

The University of Wisconsin-Green Bay is a satellite campus of the statewide University of Wisconsin system. Students can pursue degrees that start at the associate level and go all the way up to the graduate level.

Students might want to look into St. Norbert College for a private university. Conversely, working adults looking for a technical or vocational education might be interested in the Northeast Wisconsin Technical College.

Providers love giving preferential rates to highly educated drivers. However, you shouldn’t allow an insurance provider to persuade you into an auto insurance policy that is not best for you.

The amount of data needed to assess your personal risk profile can be overpowering, but comparing internet sites like this may also help make things less complicated.  Enter your ZIP code below to instantly compare Green Bay, WI auto insurance companies and find a great car insurance quote.

Read more: Car Insurance for Students: Saving 101

Driving in Green Bay, WI

Before we move on to road conditions in Green Bay, it is important to note how much time one spends on the road.

Traffic and Commute

Driving around Green Bay is fairly simple, and some insurers offer cheap pay-per-mile insurance. Most trips last between 10 and 20 minutes, with the average being around 15 minutes for most drivers.

Additionally, 80 percent of residents prefer to use their own mode of transportation alone when getting to and from work, while around nine percent carpool.

Your provider may ask you how many miles you anticipate driving each year, or why you’re driving in the first place (school/work/pleasure, etc.).

However, the largest factor they will consider is whether or not your vehicle is for business. Business vehicles are charged 10-12 percent more on premiums than vehicles used to get to work and/or school.

Road Conditions

The following bullet points pertain to road conditions throughout Green Bay in 2023.

• Mediocre Share: 24 percent
• Fair Share: 8 percent
• Good Share: 25 percent
• Poor Share: 43 percent
• Vehicle Operating Costs (VOC): $795

These deteriorated road conditions increased vehicle operating costs (VOC) for drivers. Specifically, the average motorist in this region incurred an additional $909 annually due to growing auto depreciation, extra repair expenses, higher fuel consumption, and tire wear.

Read more: Ultimate Road Safety Guide (How to Drive Safely)

Traffic Congestion in Green Bay, WI

The following table gives a rundown on traffic congestion in Green Bay.

Green Bay, WI Traffic Congestion

For such a large city, fatal accidents in Green Bay are statistically very low. As a driver, this means that you are probably already paying some of the lowest insurance rates in the state. Providers often automatically lower rates for drivers living in cities with safe roads.

That sums up everything you need to know to get the best Green Bay, WI auto insurance. From affordable rates to ways to lower premiums through car insurance discounts and driving factors of premiums, we hope it was all helpful for you. Want to start your online quotes? Enter your ZIP code here.