The best car insurance company depends on your needs and background. Erie is the most affordable option for minimum coverage. GEICO is the cheapest for a full coverage policy and drivers with tickets. State Farm is the cheapest for drivers with DUIs, and American Family is the most affordable for drivers with accidents. Teens will find the cheapest rates from Nationwide. For excellent service, Acuity is the best. USAA is the cheapest for military families.
Cheapest and Best Car Insurance in Green Bay
Cheapest Minimum Liability Car Insurance in Green Bay
The following car insurance providers are the cheapest options for minimum coverage in Green Bay:
- Erie: $204 per year
- Nationwide: $230 per year
Dairyland is the most expensive company, charging an average of $882 per year. As of October 2022, the cheapest auto insurance company in Wisconsin is Erie, which charges an average of $239 per year. This is slightly more than what Erie charges in Green Bay, showing that your location can affect your car insurance rates.
Drivers in Wisconsin opting for minimum coverage will only get bodily injury liability, property damage liability and uninsured motorist coverage. The state’s minimum coverage limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
These limits represent the total amount the insurer will cover. For instance, the state’s bodily injury coverage limits mean that the insurer will pay a maximum of $25,000 for medical injuries of each passenger, up to $50,000 per accident. If the medical costs of an accident you cause exceed these limits, you’ll need to pay for them out of your own pocket.
Cheapest Full Coverage Car Insurance in Green Bay
The most affordable car insurance companies for full coverage in Green Bay are:
- GEICO: $481 per year
- Nationwide: $509 per year
Dairyland offers the most expensive full coverage policies, costing an average of $2,118 per year. As of October 2022, GEICO also is the cheapest full coverage car insurance company in Wisconsin, charging an average of $567 per year. This is more expensive than the cost in Green Bay, demonstrating that your location influences your car insurance rates.
When you purchase full coverage car insurance, you will get comprehensive and collision coverage.
- Collision Insurance: This covers vehicle damages due to at-fault accidents and helps you repair or replace your vehicle.
- Comprehensive Insurance: This will pay for the repair or replacement of your vehicle if it’s damaged in a non-accident incident like theft, vandalism and natural weather events.
It might not be worth getting full coverage for an older vehicle since the policy may cost more than the vehicle’s value.
Cheapest Car Insurance in Green Bay After a Driving Offense
MoneyGeek found that the following car insurance providers will be the most suitable for drivers with these violations:
- Speeding ticket: GEICO ($598 per year)
- At-fault accident: American Family ($664 per year)
- DUI: State Farm ($621 per year)
Dairyland is the most expensive insurer for various driving violations, charging an average of $3,466 per year for accidents, $2,714 per year for a DUI and $3,191 per year for a speeding ticket.
Bad driving records can greatly impact your rates. The cheapest company rates for poor records will still be more expensive than the most affordable rates for safe drivers.
Premiums usually increase more for severe violations. MoneyGeek found that a Green Bay driver with a speeding ticket will pay an average of $198 more than a driver with no violations, while a driver with a DUI will pay around $391 more. By shopping around, drivers can still find the cheapest car insurance for poor driving records.
Cheapest Car Insurance in Green Bay for Teens and Their Families
MoneyGeek found that the following companies offer the cheapest car insurance for teen drivers on a family policy:
- Nationwide: $791 per year for female teens; $864 per year for male teens
- GEICO: $1,085 per year for female teens; $1,163 per year for male teens
Kemper is Green Bay’s most expensive insurance provider for teens, charging an average of $3,994 per year for females and $4,934 per year for males. As demonstrated by the $73 price difference charged by the cheapest insurer, providers may charge higher rates to insure male teens due to increased risk. This difference usually subsides in early adulthood.
If you buy a personal policy as a teen driver, you may have to pay higher rates. Based on MoneyGeek’s data, a 16-year-old male driver in Green Bay pays an average of $3,203 more per year for their own policy vs. being included on their parent’s plan. You can shop around and compare rates to find the cheapest car insurance for teens.
Cheapest Car Insurance in Green Bay for Military Drivers
The cheapest car insurance companies for active-duty soldiers or veterans are:
- USAA: $459 per year
- GEICO: $481 per year
The most affordable minimum coverage insurers providing cheap military car insurance are USAA (around $364 per year) and GEICO (around $369 per year).
How to Compare Cheap Green Bay Car Insurance Quotes Online
The process of getting an online quote in Green Bay will require you to enter a lot of personal information and may take 15 minutes or more per insurer. 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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Green Bay: Summary
The best car insurance company will fit your needs and profile. MoneyGeek found that the following companies offer the best car insurance in Green Bay:
- Best overall: Acuity (MoneyGeek score of 83 out of 100)
- Best for service: Acuity (MoneyGeek score of 78 out of 100)
- Best cheap: Erie (MoneyGeek score of 84 out of 100)
MoneyGeek scores may change as factors might be weighted differently in each category. Acuity is also the best car insurance company in Wisconsin.
USAA is the top option for military drivers, with a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Green Bay
Based on MoneyGeek’s analysis, the following companies are the best options for car insurance in Green Bay:
- Acuity: MoneyGeek score of 83 out of 100 ($912 per year)
- Erie: MoneyGeek score of 81 out of 100 ($600 per year)
Acuity ranked highly for customer satisfaction and available coverage. These scores show that the company offers good customer support and handles customer complaints well.
USAA is the best option for military families. The company received a MoneyGeek score of 85 out of 100.
Ranked highly for customer satisfaction
Good score for available coverages
Offers full glass coverage, rental car or travel reimbursement and roadside assistance
Doesn’t provide accident forgiveness coverage
Lower score in affordability
Acuity has high scores for customer satisfaction and available coverage options. It provides many rare and common coverages, including full glass coverage, roadside assistance and rental car or travel reimbursement.
Full glass coverage can help you in the event of damage to your vehicle’s windshield or windows. It waives your comprehensive deductible if you need to replace or repair these items. You can add roadside assistance to your policy to get help in case your vehicle breaks down. This coverage will cover the cost of towing and labor.
The company also offers rental car or travel reimbursement coverage that can help you pay for a rental car, bus fares, taxi costs or other transportation expenses when you can’t drive your vehicle due to a covered loss.
Best Car Insurance in Green Bay for Customer Service
Setting costs aside, the following insurance companies offer the best customer service in Green Bay:
- Acuity: MoneyGeek score of 78 out of 100 ($912 per year)
- Chubb: MoneyGeek score of 76 out of 100 ($1,054 per year)
Acuity ranked second-highest for claims management and customer satisfaction, but you will pay a higher price for good service with this company since it offers more expensive policies compared to other insurers.
High score for claims management
Good customer satisfaction rating
Offers full glass coverage, new car replacement and gap insurance
Doesn’t provide deductible modification
More expensive than other insurers
In addition to ranking highly for claims management and customer satisfaction, Acuity offers policyholders various rare and common coverages.
You can add full glass coverage to your policy with this company. This coverage can help you avoid paying the deductible in case you need to repair or replace your vehicle’s windows and windshield.
Gap insurance coverage will pay the difference between your car’s value and the remaining loan amount if you total it due to an accident. The company also offers new car replacement coverage that will pay for a brand-new vehicle of the same make and model if you destroy yours in an accident.
Acuity’s high customer satisfaction scores are based on the J.D. Power study and customer complaint index. Its ranking shows that its customers have few complaints about the provider’s service.
Best Cheap Car Insurance Companies in Green Bay
MoneyGeek analyzed various minimum coverage policies in Wisconsin and found the following insurers offering the best cheap car insurance in Green Bay:
- Erie: MoneyGeek score of 84 out of 100 ($204 per year)
- Acuity: MoneyGeek score of 82 out of 100 ($347 per year)
Purchasing minimum coverage is typically not expensive, but you should know that it won’t offer you sufficient liability coverage or protect you against the cost of vehicle damage in an accident.
An affordable minimum coverage policy costs an average of $204 per year
Offers safe driving, bundling and automatic payment discount
High score for affordability
Excellent score for customer satisfaction
Scored poorly for available coverages
Doesn’t offer good student or paperless discounts
Erie’s policies are the cheapest among its competitors in Green Bay, making it the best option for affordable minimum coverage policies. Since it also ranks high for satisfaction, you won’t have to worry about having a difficult time dealing with the company when you have questions or concerns.
The company provides various ways to lower your premiums through common and rare discounts. You can earn a discount on your policy for being an accident-free driver. You might also qualify for a discount by getting multiple types of policies with the company. There’s also a rare discount for setting up automatic payments, which comes with the added benefit of knowing you’ll never miss a payment.
Besides these discounts, you can also lower your insurance costs if you have daytime-running lights installed in your vehicle or an electronic tracking device.
Average Cost of Car Insurance in Green Bay
The average cost of car insurance in Green Bay is $790 per year for a full coverage policy, which is $212 less than the average cost of car insurance in Wisconsin and $475 less than the national average. The policyholder’s location greatly affects car insurance costs.
These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick