Find the Best Car Insurance Companies in Green Bay, WI

How to choose car insurance in Green Bay

The average Green Bay resident has nearly 20 minutes of commute time, and the public transit system has limited routes. That makes cars a necessity for most people in Green Bay. In addition to car payments, gas and maintenance, car insurance is an expense that comes with vehicle ownership.

In the state of Wisconsin, motorists are required to carry liability coverage in the amounts of $25,000 for injury or death of one person, $50,000 for injury or death of one more than person and $10,000 for property damage. State law also requires uninsured motorist coverage, which protects you if you get into an accident with an at-fault driver who doesn’t have liability insurance. Drivers operating a car without insurance can be fined up to $500 in Wisconsin.

Keep in mind that these are only minimum necessary coverages. Many drivers and car owners protect their assets by purchasing additional coverage. This can include:

• Collision coverage, which pays for damage to your vehicle due to a collision with a vehicle or object
• Comprehensive coverage, which pays for damage to your vehicle due to fire, vandalism, water, hail, glass breakage, wind, falling objects, civil commotion or hitting an animal
• Medical payments coverage, which helps pay for medical or funeral expenses for you or your passengers after a car accident or if you or family members are hit by an automobile as a pedestrian or while riding in another vehicle

Deductibles, or the amount you owe before the insurance company makes payments, apply to both collision and comprehensive insurance for each incident.

How much does car insurance in Green Bay cost?

The cost of car insurance in Green Bay depends on a number of different factors, starting with policy specifics and the deductible. Other variables include the kind of car you drive, your driving record, how much you drive, where you live and park your car, your credit history and your age, sex and marital status.

Note: Based on a 40-year-old male with only liability coverage at $50K/$100K/$50K.

In Wisconsin the average annual premium is $1,040, making it the eighth cheapest state in the U.S., according to a 2018 report in the state’s largest newspaper. The average premium across the country is $1,427.

There are many ways to save when purchasing car insurance in Green Bay. When reviewing quotes and coverages, make sure to ask about possible discounts for paying in full up front, choosing a higher deductible, bundling with other policies, maintaining continuous coverage, increasing your credit score or driving an older car.