Car Insurance in Green Bay, Wisconsin
Estimated full coverage in Green Bay runs about $1,150 a year ($96/month) — ▲ +5% versus the Wisconsin average, ranking 7th most expensive of the 8 Wisconsin cities we cover.
Why car insurance in Green Bay costs more than the Wisconsin average
Insurers price by territory, and Green Bay's numbers explain most of the gap. With 106,311 residents on 45.5 square miles, the city's density (2,338 people per square mile) is 4.5 times the density where the typical Wisconsin resident lives (516). The average commute is 19.2 minutes (Wisconsin: 22.2), and 75% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision, and 1.04× for comprehensive once FEMA weather risk for Brown County is included.
| Factor | Green Bay | Wisconsin ref. | Why it matters |
|---|---|---|---|
| Population density | 2,338 / sq mi | 516 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.2 min | 22.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.9% | — | Transit use lowers how much residents drive. |
| Work from home | 10.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 64.1 | 72.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Green Bay
Rates can change from one ZIP code to the next. Across 4 Green Bay ZIP codes, our full-coverage estimate ranges from $1,080 in 54311 to $1,175 in 54302. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 54311 | 37,879 | 555 | 20.4 min | 6.7% | $1,080 | −6% |
| 54302 | 30,333 | 3,288 | 19.9 min | 9.1% | $1,175 | +2% |
| 54304 | 28,502 | 2,444 | 18.3 min | 4.7% | $1,145 | 0% |
| 54303 | 28,153 | 2,450 | 18.4 min | 9.3% | $1,145 | 0% |
Minimum car insurance in Green Bay
Green Bay drivers follow Wisconsin's rules: at least 25/50/10 liability coverage, and uninsured motorist coverage. Wisconsin is at-fault (tort). We estimate state-minimum coverage in Green Bay at $395 a year, and $570 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Wisconsin does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional; if purchased, limits must be at least 50/100. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Green Bay premiums
Accidents
Wisconsin recorded 595 traffic deaths, or 0.86 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Wisconsin's vehicle theft rate is 132 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Brown County as relatively high for hail, relatively moderate for inland flooding and relatively low for strong wind, and very low for hurricanes.
Traffic & commuting
4.2% of Green Bay commuters spend an hour or more getting to work, and there are 1.67 vehicles per household. 10.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 93.4 | Comprehensive; dwelling | |
| Hurricane | 26.1 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 91.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 46.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 31.0 | Comprehensive; dwelling | |
| Winter weather | 83.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Green Bay by driver profile
A clean-record driver in their 50s pays the least in our Green Bay model (about $1,060 for full coverage); an 18-year-old on their own policy pays about $3,165, and a DUI pushes a 30-something to $2,130.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,085 | $1,570 | $3,165 | $264 |
| Young adult (22) | $630 | $915 | $1,840 | $153 |
| Adult in their 30s | $395 | $570 | $1,150 | $96 |
| Adult in their 50s | $360 | $525 | $1,060 | $88 |
| Senior (72) | $440 | $640 | $1,290 | $108 |
| 30s, one at-fault accident | $570 | $830 | $1,670 | $139 |
| 30s, DUI on record | $730 | $1,055 | $2,130 | $178 |
Minimum vs. standard vs. full coverage in Green Bay
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $395 | $33 | $325–$465 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $570 | $48 | $470–$675 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,150 | $96 | $945–$1,360 |
Estimate your premium in Green Bay
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Cheap car insurance in Green Bay: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Green Bay's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $80 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $80 | You're among the 10.7% of Green Bay workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $320 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $580 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $255 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Green Bay
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 19 offices listed below.
- Check complaint records with the Wisconsin Office of the Commissioner of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Green Bay, our estimates differ by up to $95 a year between neighborhoods.
Car insurance agents near Green Bay, WI
We found 19 insurance offices within about 5 miles of central Green Bay, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Freeway Insurance
1981 E Mason St, Green Bay, WI 54302 -
Robb & Associates, INC.
1221 Bellevue St, Ste 205, Green Bay, WI 54302 -
Dart Insurance
WI -
Keith Sanofsky - American Family Insurance
840 Challenger Dr, Ste 152, Green Bay, WI 54311 -
American Advantage Insurance
WI -
Dan VanAdestine Insurance
WI -
Scott Folsom - State Farm
425 South Military Avenue, Green Bay, WI 54303 -
Monjin Insurance
WI -
Daniel Moore - American Family Insurance
402 S Military Ave, Green Bay, WI 54303 -
Allstate
WI -
Derek Campbell - Allstate
1900 Velp Ave, Green Bay, WI 54303 -
Jerry Bodart - Allstate
2551 Continental Ct, Ste 2, Green Bay, WI 54311 -
Bradley James Louis - Farmers Insurance
1830 W Mason St, Green Bay, WI 54303 -
David Adair - American Family Insurance
2671 Continental Dr, Ste A, Green Bay, WI 54311 -
Joseph Havel - American Family Insurance
849 Cormier Rd, Green Bay, WI 54304 -
Thomas C Mann - Farmers Insurance
840 Willard Dr, Green Bay, WI 54304 -
Scott Thomas Tarsi - Farmers Insurance
801 Hoffman Rd, Green Bay, WI 54301 -
John Allen - State Farm
1671 Hoffman Rd, Suite 120, Green Bay, WI 54311 -
Christina Lindauer - State Farm
2337 S Ridge Road, Suite A, Green Bay, WI 54304
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Green Bay
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $860 | −25% |
| Subaru Outback | Wagon | $865 | −25% |
| Tesla Model 3 | Midsize car | $1,200 | +4% |
| Subaru Forester | Small SUV | $850 | −26% |
| Honda Civic | Compact car | $1,295 | +13% |
| Toyota Corolla | Compact car | $1,215 | +6% |
| Jeep Wrangler | Midsize SUV | $935 | −19% |
| Mazda CX-5 | Small SUV | $965 | −16% |
| MINI Cooper | Subcompact car | $865 | −25% |
| Tesla Model Y | Midsize SUV | $1,080 | −6% |
Car insurance in nearby Wisconsin cities
- Appleton $1,170/yr · 26 mi
- Milwaukee $1,250/yr · 101 mi
- Waukesha $1,190/yr · 105 mi
- Madison $1,190/yr · 122 mi
- Racine $1,240/yr · 124 mi
- Kenosha $1,225/yr · 134 mi
- Eau Claire $1,120/yr · 174 mi
All Wisconsin cities and state rules · Homeowners insurance in Green Bay
Frequently asked questions
How much is car insurance in Green Bay, WI?
We estimate full coverage in Green Bay at about $1,150 a year ($96 a month) for a driver in their 30s with a clean record, and about $395 for Wisconsin's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Green Bay more expensive than the Wisconsin average?
Our Green Bay estimate is 5% higher than the statewide figure. The model reflects a population density of 2,338 people per square mile (the typical Wisconsin resident lives at about 516) and an average commute of 19.2 minutes versus 22.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Green Bay?
Drivers in Green Bay follow Wisconsin law: at least 25/50/10 liability coverage and uninsured motorist coverage.
Which ZIP code in Green Bay has the cheapest car insurance?
Among Green Bay's 4 ZIP codes, 54311 has the lowest estimate (about $1,080 a year for full coverage) and 54302 the highest (about $1,175), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Green Bay?
An 18-year-old with their own full-coverage policy would pay around $3,165 a year in Green Bay by our estimate ($1,085 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Green Bay?
Yes. FEMA's National Risk Index rates Brown County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Green Bay?
We list 19 insurance offices in and around Green Bay, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Wisconsin OCI: Consumer's Guide to Auto Insurance (PI-057)
- Wisconsin OCI: Frequently Asked Questions - Automobile Insurance (PI-233)
- Wis. Stat. 632.32 (motor vehicle policy provisions)
- Wisconsin DMV: Proof of insurance (financial responsibility)
- Wisconsin OCI: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Green Bay and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places