Best cheap car insurance in Green Bay for 2021

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Green Bay, Wisconsin, had a population of approximately 105,000 in 2018. Residents of Green Bay have an average commute of 18 minutes, far less than those in larger urban areas. Green Bay drivers pay an average annual premium of $322 for minimal car insurance coverage and $972 for full coverage according to Quadrant Information Services. This is significantly lower than the $1,674 national average annual premium paid for full coverage.

Drivers in Green Bay appear to drive more safely on average than in Wisconsin as a whole. Over the past two decades, there have been consistently fewer accidents and fatalities per 100,000 population in Green Bay than in the state overall. We considered these factors with the rankings of car insurers in a number of categories including coverage, discounts, customer satisfaction and claims handling to select the best cheap car insurance companies in Green Bay.

Best car insurance companies in Green Bay

The following companies were selected as the best cheap insurance companies in Green Bay based upon a broad set of criteria which allowed us to compare carriers on price as well as breadth of offered coverage, discount availability and overall customer satisfaction:

Insurance company J.D. Power 2020 Score
North Central Region*
Average annual premium for minimum coverage Average annual premium for full coverage
Erie 846 / 1000 $206 $722
Geico 851 / 1000 $228 $780
USAA 897** / 1000 $214 $682
Auto-Owners 845 / 1000 $397 $1,060
Farmers 831 / 1000 $348 $1,045

*The North Central Region Average Score is 830
**USAA is not included in the formal J.D. Power ranking because, due its exclusive military membership, USAA does not meet all criteria to be officially ranked. It is scored however.

Erie

Erie ranked third in the 2020 J.D. Power Auto Insurance Overall Customer Satisfaction Rating for the North Central Region with a score of 846. Erie offers a wide variety of discounts and a user friendly website enabling customers to compare quotes easily. The unique ERIE Rate Lock feature gives customers the ability to lock in a car insurance premium which can only change following an accident or policy changes.

Geico

For over 75 years, Geico has been insuring automobile owners throughout the country and has established an excellent reputation for customer service. In the J.D. Power 2020 Customer Satisfaction Ranking for the North Central Region, Geico ranked first with a score of 851.

Geico is typically among the most affordable car insurance companies as shown in our chart. However, Geico still provides robust coverage, with a wide range of discounts. It is relatively easy to obtain a quote quickly online.

USAA

USAA is not officially ranked by J.D. Power due to the limited membership requirements. USAA is exclusively available to current and former members of the military and their families. Despite this, J.D. Power does give USAA its own score which at 897 far exceeds the top scores in the North Central Region. USAA has developed a loyal following among eligible customers due in large part to the helpful representatives who can explain a wide variety of coverage options and available discounts.

Auto-Owners

Auto-Owners also ranked well above average in the J.D. Power 2020 Customer Satisfaction Ranking for the North Central Region with a score of 845. Auto-Owners also ranks well in the separate 2020 J.D. Power ranking for claims handling, ranking third overall.

Auto-Owners was founded in 1916 and has become one of the best known auto insurers in the country. The company’s longevity and experience pay off with a broad range of coverages, add-ons and discounts.

Farmers

Farmers Insurance started a limited business in 1928 by selling insurance only to cover farm vehicles. Farmers has grown over the past century, expanding to offer coverage to all auto owners and receiving good ratings for customer satisfaction. With its experience and size, Farmers always offers competitive coverage and discounts at affordable prices.

Farmers stands out with its New Car Replacement Coverage that pays to replace your car with a new one of the same make and model if the insured vehicle is totaled during the first two model years and 24,000 miles.

Cheapest car insurance in Green Bay

Below are listed companies with some of the cheapest auto insurance premiums offered in Green Bay. Rates for your policy may vary depending upon your circumstances such as the vehicle you drive and your driving history. The average annual premiums for all of these companies are cheaper than the already low annual average for car insurance in Green Bay ($322 for minimum coverage and $922 for full coverage).

Remember that the cheapest car insurance may not best fit your needs so it pays to take the time to look beyond price alone and research company offerings and reputations to determine which company offers the best car insurance for you.

All of the companies below are well known and have received excellent ratings from a variety of sources. In fact, Erie, USAA and Geico happen to appear in both of our charts as among the best and the cheapest car insurers in Green Bay.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Erie $206 $722
AAA $213 $904
USAA $214 $682
Geico $228 $780
State Farm $248 $674

Green Bay insurance requirements

Wisconsin, and therefore Green Bay, requires that all drivers maintain the following minimum car insurance requirements:

  • $10,000 for property damage to third parties;
  • $25,000 for the injury or death of one person; and
  • $50,000 for the injury or death of more than one person

Wisconsin law also requires uninsured motorist coverage with a minimum limit of $25,000 for one person and $50,000 for two or more people for bodily injury coverage.

While these minimums will typically satisfy a lender or lessor of a vehicle, in most cases, these minimum requirements simply will not adequately protect drivers from the significant risk posed in our highly litigious society. It is worthwhile to spend the time determining just how much coverage you require for the benefit of you and your family.

Car insurance discounts in Green Bay

Numerous discounts are available to Green Bay drivers which may help you save significant amounts in annual premiums. Like most states, Wisconsin allows car insurance companies to look at certain personal characteristics of an applicant to measure potential risk. Good results in these areas can in turn qualify you for potential discounts:

  • Certain types of employment
  • Marital status
  • Home ownership
  • Age, for example, senior discounts
  • Student status and good grades
  • Safe driving history

Additionally, most insurers also offer “administrative” discounts for steps that can improve an insurer’s efficiency and reduce costs. These include:

  • Paperless billing options
  • Lump sum premium payment
  • Automatic deductions for premiums
  • Bundling policies or vehicles

Frequently asked questions

What is the best car insurance company?

There is not a single best car insurance company to provide you with the most affordable coverage. The best company for you depends on a variety of factors, including available coverages, potential discounts, customer service satisfaction scores and financial strength. You will want to shop around and obtain quotes from several companies to determine who is best to meet your car insurance coverage needs.

How much does car insurance in Green Bay cost?

The average annual premium in Green Bay is $322 for minimum car insurance coverage and $972 for full coverage. This is lower than the Wisconsin annual average of $1,186 for full coverage and significantly lower than the average annual U.S. premium of $1,674 for full coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Rick Hoel
Insurance Contributor
Rick Hoel is an international business attorney and legal and insurance writer for Bankrate.com, Reviews.com and Accessibility.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law. Rick is General Counsel and Director of Risk Management and sits on the Board of Power Stow Americas Inc., a subsidiary of Power Stow A/S in Denmark, the world leader in the supply of tracked conveyor systems to the airline industry.
Edited by
Insurance Editor