Auto insurance is a form of financial protection that covers you in the event of a car accident and other vehicle-related mishaps. At a minimum, Wisconsin drivers and vehicle owners must have liability coverage, but many consumers purchase collision and comprehensive policies. The multiple ways to purchase, the different combinations of coverage and the complex terminology can be overwhelming. Our partners at ConsumerAffairs researched the best car insurance companies in Green Bay to simplify your decision.
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.
Average annual cost of car insurance
54301 (Green Bay, Allouez)
54302 (Green Bay, Bellevue)
54305 (Green Bay)
54303 (Green Bay, Howard)
54304 (Green Bay, Ashwaubenon)
54344 (De Pere)
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.
Progressive, one of the largest auto insurers in the U.S., covers 18 million drivers across the country. Customers can save 5 percent or more on their auto insurance by bundling with home or renters insurance. Start by getting a fast, personalized, accurate quote online. Or you can visit a local agent in Green Bay. Many customers have used Progressive for years and appreciate the competitive prices and responsive service.
Customers at Liberty Mutual benefit from discounts for purchasing multiple types of insurance, buying online and demonstrating good driving behavior. The company will contribute toward your deductible through its Liberty Mutual Deductible Fund. A 12-month rate guarantee, 24/7 customer service and a lifetime repair guarantee come standard. Numerous customers report saving money with Liberty Mutual.
The General has been insuring automobiles and drivers of all types in the U.S. for over 50 years. Customers can get a fast quote and manage all aspects of their accounts online. The company’s website has a number of useful resources for first-time buyers of car insurance. Customers say the purchasing experience was straightforward and speak highly of the customer service.
Pagel & Associates Insurance Agency
Pagel & Associates Insurance Agency is based in Green Bay. This independent agency offers plans from a number of different insurers and focuses on finding the policy right for individual customers. Green Bay residents can request a free, no-obligation quote and stop at the office to get any questions answered. Many reviewers give the agency five-star reviews and recommend it to others.
Customers purchasing auto insurance through AAA can take advantage of multiple discounts to save hundreds of dollars. Even if you are not a member, it’s easy to get a quote online. A number of different deductible levels and types of coverage are available, and claims professionals are reachable 24/7. Reviewers say Green Bay’s AAA office has helpful and knowledgeable staff.