- Cheapest Full Coverage: GEICO $48/month
- Cheapest Minimum Coverage: GEICO $19/month
- Cheapest for Teens & Young Adults (16–25): Travelers $135/month
- Cheapest With a DUI: Travelers $39/month
- Cheapest With an At-Fault Accident: Farm Bureau $29/month
- Cheapest With a Speeding Ticket: Farm Bureau $24/month
Cheapest Car Insurance in Green Bay, WI (2026)
Updated: September 21, 2026
Advertising & Editorial Disclosure
Cheapest Car Insurance in Green Bay for Full and Minimum Coverage
GEICO offers the cheapest minimum coverage in Green Bay at $19 a month, 31% below the city average. GEICO is also cheapest for full coverage at $48 a month, 29% below average; Travelers is close behind at $53, a $5-a-month difference that buys a local agent network and IntelliDrive telematics program GEICO doesn't offer.
Your individualized rate depends most on driving record in Green Bay: a DUI more than doubles GEICO's minimum coverage rate, a bigger impact than ZIP code or coverage level produce here, so getting quotes from several carriers still pays off.
| Geico | $19 | $48 | -42% |
| Travelers | $28 | $53 | -30% |
| Farm Bureau | $22 | $64 | -25% |
| Erie Insurance | $24 | $65 | -23% |
| Auto Owners | $28 | $68 | -17% |
Cheapest Car Insurance in Green Bay by Age
- Teens & Young Adult Drivers: Travelers at $135/month
- Adult Drivers: GEICO at $48/month
- Senior Drivers: Travelers at $72/month
Cheapest Car Insurance in Green Bay for Teens & Young Drivers
Travelers has Green Bay's cheapest full coverage rate for teens and young drivers at $135 a month ($1,615 a year). Erie is second-cheapest at $137 a month, just $2 more, or $25 a year.
Travelers' local agent network is the better fit if you're worried about a teen filing a claim; Erie's ErieSecure add-ons offer more flexibility if you want extra coverage options.
Re-quote again once your teen ages into their mid-20s, when the higher premiums for younger drivers start to taper off.
| Travelers | $135 | $1,615 |
| Erie Insurance | $137 | $1,640 |
| Geico | $154 | $1,850 |
| Auto Owners | $156 | $1,878 |
| West Bend Mutual | $185 | $2,220 |
Cheapest Car Insurance for Seniors in Green Bay
Travelers offers the cheapest full coverage rate for drivers 65 and older in Green Bay at $72 a month ($866 a year), $8 less than GEICO at $80.
Not shopping around costs more the longer you wait: the difference between Travelers and the priciest option in this group (Auto Owners at $90 a month) is $215 a year.
Wisconsin doesn't mandate a mature-driver discount, but most insurers still offer 5–10% off for three years after completing an approved driving course. At 10% off Travelers' rate, that's another $86 a year saved on top of already being the cheapest option.
| Travelers | $72 | $866 |
| Geico | $80 | $956 |
| Farm Bureau | $81 | $975 |
| Nationwide | $87 | $1,039 |
| Auto Owners | $90 | $1,081 |
Cheapest High-Risk Car Insurance in Green Bay
Travelers is cheapest for drivers with a DUI/OWI in Green Bay at $39 a month, while Farm Bureau is cheapest for at-fault accidents ($29/month) and speeding tickets ($24/month). Farm Bureau is especially forgiving when it comes to speeding tickets, raising minimum coverage just 9% next to a 28% jump at GEICO for the same ticket.
Wisconsin doesn't require an SR-22 for a first-offense OWI unless the blood alcohol content (BAC) was 0.15+ or the driver refused testing, but a second or later offense requires one for three years; re-shop once that window closes.
| Clean | Geico | $19 | $230 |
| Speeding Ticket | Farm Bureau | $24 | $284 |
| At-Fault Accident | Farm Bureau | $29 | $343 |
| DUI | Travelers | $39 | $474 |
How Much Do Rates Go Up After a Violation in Green Bay?
A DUI causes the widest carrier spread in Green Bay — from $39 a month at Travelers to $60 at Auto Owners — more than double the $9 spread among the same carriers with a clean record. GEICO's DUI surcharge is the steepest, more than doubling its clean rate (+131%). Farm Bureau and Erie are the best companies after a speeding ticket, both adding an increase under 10% versus GEICO's 28%.
Average Cost of Car Insurance in Green Bay
Green Bay drivers average $28 a month for minimum coverage and $68 a month for full coverage, just $2 above the Wisconsin averages of $26 and $66. Young drivers pay far more, averaging $228 a month for full coverage citywide.
Since Green Bay sits almost exactly at the state average, the insurer you choose matters far more than location: switching from Auto Owners to GEICO saves $20 a month on full coverage, ten times the entire premium of living in Green Bay versus the state average.
Full Coverage | $68 | $66 |
Minimum Coverage | $28 | $26 |
Green Bay Car Insurance Costs by ZIP Code
ZIP 54311 has Green Bay's cheapest rates at $71 a month for full coverage, while 54304 is the most expensive at $86, a $15 difference.
That $15 difference is close to, but slightly smaller than, the $20 difference between GEICO and Auto Owners citywide, so carrier choice still edges out ZIP code as the bigger lever in Green Bay.
| 54302 | $30 | $72 |
| 54303 | $31 | $73 |
| 54304 | $40 | $86 |
| 54311 | $30 | $71 |
| 54313 | $39 | $85 |
How to Get Cheap Car Insurance in Green Bay
Switching to a cheaper carrier is the best and easiest way for most Green Bay drivers to save money on car insurance. Matching coverage to your car's value and re-quoting once a violation ages off can save even more for the right driver.
- 1Match coverage to your vehicle's value and save up to $348 a year
GEICO's full coverage rate is $29 per month more than its minimum coverage rate. If your car is older and fully paid off, dropping comprehensive and collision can be worth more than what you'd realistically collect on a claim.
- 2Shop 30 days before a DUI drops off and save $300 a year
At GEICO, a DUI adds $25 a month to minimum coverage in Green Bay. Wisconsin violations typically affect rates for about five years; re-quote as soon as it ages off rather than waiting for renewal.
- 3Compare quotes and save $240 a year.
The full coverage rate difference between GEICO ($48/month) and Auto Owners ($68/month) is $20 a month, the most reliable saving available to any Green Bay driver willing to switch.
- 4Complete a Mature Driver course at 55+ and save around $86 a year
Wisconsin doesn't require insurers to offer this discount, but most do voluntarily, typically 5–10% off for three years, applied here to Travelers' $72 senior rate.
Cheap Green Bay Car Insurance: FAQ
Not particularly. Full coverage in Green Bay averages $68 a month, just $2 above the Wisconsin average of $66.
Among top providers, minimum coverage ranges from $19 to $28 a month, and full coverage from $48 to $68 a month.
GEICO has the cheapest car insurance in Green Bay for adult drivers with a clean record, at $19 a month for minimum coverage and $48 a month for full coverage.
Yes. At GEICO, a DUI more than doubles the minimum coverage rate, from $19 to $44 a month. Travelers offers the cheapest post-DUI rate in Green Bay at $39.
ZIP 54311 is the least expensive in Green Bay at $71 a month for full coverage, $15 less than the city's most expensive ZIP, 54304, at $86.
Our Methodology
We analyzed hundreds of thousands of quotes from major insurers using data from the Office of the Commissioner of Insurance and Quadrant Information Services, adjusted for driver profiles including age, driving record, credit score and military affiliation. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.