Cheapest and Best Car Insurance in Green Bay, WI (August 2024)

Finding the most cost-effective or premier car insurance in Green Bay, Wisconsin, varies by coverage choice or driver specifics. AAA offers the lowest premiums for full and minimum coverage, while Nationwide shines for families with teen drivers. When customer service and overall value top your criteria, Acuity is the gold standard.

MoneyGeek found that AAA offers the cheapest car insurance in Green Bay. The costs for the two most inexpensive providers are as follows:

• AAA: $200 per year
• Erie: $233 per year

Conversely, Dairyland has the highest minimum coverage policy, costing $736 annually. That's $536 more compared to AAA. Always compare car insurance rates when finding a deal that suits your budget.

In Wisconsin, the law on car insurance is clear: the state sets the minimums.

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For example, if you're at fault in an accident and the other driver sustains bodily injuries costing $30,000, your minimum coverage will pay $25,000; the remaining $5,000 would have to come out of your pocket.

MoneyGeek found that AAA is the cheapest full coverage car insurance in Green Bay.

• AAA: $399 per year
• American Family: $510 per year

Dairyland also has the most expensive full coverage policy at $1,958. Full coverage policies with broader protection and comprehensive and collision insurance are more costly than minimum coverage, underlining the importance of shopping around for car insurance.

A full coverage policy includes coverage for damage to your vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

A full coverage policy would benefit those with a new vehicle, lease or car loan. However, the additional expense may not deliver proportional benefits for those with older car models. Determining your car insurance needs means striking a balance between adequate coverage and manageable premiums is crucial.

MoneyGeek found that the most affordable full coverage policy for drivers in Green Bay with a poor driving record varies depending on the infraction.

• Speeding Ticket: AAA ($622 per year)
• At-Fault Accident: American Family ($574 per year)
• DUI: American Family ($681 per year)

The companies with the heftiest premiums for these offenses also vary, with Dairyland having the highest rates for speeding tickets at $3,308 per year. Remember that severe offenses can lead to equally high rates.

Premiums usually increase more for severe violations. For example, drivers with a speeding ticket face an average annual premium of $1,466, while those with a DUI pay $1,731. By shopping around, drivers can still find the cheapest car insurance for poor driving records.

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Green Bay to families seeking affordability.

• Nationwide: $791 per year for female teens and $864 per year for male teens
• GEICO: $1,085 per year for female teens and $1,163 per year for male teens

Kemper is Green Bay’s most expensive provider for teens, charging an average of $3,994 per year for females and $4,934 for males. The contrast in pricing between the cheapest and most expensive underscores the importance of comparing options, given the higher risk associated with teen drivers.

Teen drivers often face steep premiums. For an individual policy, they will have to shell out $4,794. In contrast, when added to a family plan, the average annual premium drops to $1,909. The high individual premium considers the higher likelihood of filing a claim due to teen drivers' inexperience. Young drivers and their families should look into the benefits of a joint insurance plan.

MoneyGeek found that AAA offers the most affordable full coverage car insurance for military backgrounds in Green Bay.

• AAA: $399 per year
• American Family: $510 per year

It should be noted that USAA ranks third with a competitive rate of $542 per year. USAA's services are tailored to the needs of active duty military members, providing additional value to covered individuals.

Getting an online quote in Green Bay will require you to enter a lot of personal information and may take hours. To save time and effort, you can use MoneyGeek's car insurance calculator. This gives you an estimate of your car insurance costs depending on factors like age, desired coverage level, driving history and vehicle type.

MoneyGeek scored Acuity high on three categories, making it Green Bay's top-rated car insurance provider for varied customer preferences:

• Best overall: 90 out of 100
• Best for service: 89 out of 100
• Best cheap: 91 out of 100

Customers seeking a balance of exceptional service, cost-effectiveness and dependable coverage will find Acuity’s comprehensive offerings unmatched.

MoneyGeek found that Acuity offers the best car insurance in Green Bay for drivers who want quality and affordability.

• Acuity: MoneyGeek score of 90 out of 100 ($583 per year)
• Chubb: MoneyGeek score of 85 out of 100 ($789 per year)

Customer satisfaction and cost-effectiveness contribute the most to Accuity's high MoneyGeek score for a full coverage policy.

MoneyGeek found that Acuity is the best car insurance in Green Bay for customer service.

• Acuity: MoneyGeek score of 89 out of 100 ($583 per year)
• Chubb: MoneyGeek score of 84 out of 100 ($789 per year)

Drivers looking for robust support throughout their policy's term and swift, considerate claims service will find Acuity the superior choice.

MoneyGeek found that Acuity is the best option in Green Bay for consumers seeking affordable car insurance without compromising on service quality.

• Acuity: MoneyGeek score of 91 out of 100 ($249 per year)
• Erie: MoneyGeek score of 84 out of 100 ($233 per year)

Acuity stands out for its affordability, customer satisfaction and coverage, demonstrating that a minimum policy can provide exceptional value to policyholders.

In Green Bay, the average car insurance cost is $844, which is less than the overall average car insurance cost in Wisconsin of $1,059. The state average is lower than the national cost of $1,781.

Location is a significant factor in car insurance premiums. Insurers consider the frequency of claims in an area, the prevalence of theft, accidents and natural disasters and traffic density, which all tend to be higher in cities than in less populated rural areas. Milwaukee is the most expensive city for car insurance in Wisconsin at $1,404, surpassing Green Bay's average. The $560 difference between the cities illustrates how location impacts insurance costs.