Cheap Car Insurance in Green Bay, WI

Wisconsin’s oldest city, Green Bay, is one of the more iconic cities in the Midwest. Famous for hosting the Green Bay Packers, it is also well known for its three-plus billion pounds of cheese produced every year. This fact has given it the nickname “America’s Dairyland.” The city is also steeped in deep historical and nature traditions, home to top sites like Heritage Hill State Park, Oneida Nation, and the Green Bay Botanical Garden.

All Green Bay drivers must have an active auto insurance policy to drive legally in the state. Failure to do so will result in a driver’s license and registration suspension, fines, reinstatement fees, and plenty of aggravation. Keep reading to learn more about car insurance in Wisconsin, including available discounts, average premiums paid by zip code, and the minimum insurance requirements required to drive in Wisconsin.

Green Bay drivers pay an average monthly premium of $80 for full coverage, lower than the state average of $90 and the national average of $147. The state minimum averages $34 monthly, quite a bit less than the national average of $48.

Why is Insurance Cheaper in Wisconsin?

Fortunately for those who reside here, Wisconsin tends to have fewer natural disasters than some other states, making premiums for insurance less. Hurricanes that hit coastline states cause a lot of damage and resulting claims for insurers.

Another factor that can lead to higher rates in traffic density, especially on highways where the greatest damage can be caused by a wreck. Wisconsin has a lower risk of these types of crashes, due to less cars traveling on the highways.

Finally, car thieves just aren’t as active in Wisconsin (maybe it’s hard to find the cars under the snow). Due to a less than average risk of your car being stolen, as a cheese head you may enjoy lower rates than some other cities and states.

How Many FataI Accidents Happen in Green Bay?

In 2019, there were two fatal road traffic accidents in Green Bay involving three people, including one pedestrian.

How Are the Road Infrastructure and Bridges in Green Bay, Wisconsin?

Green Bay has an active Public Works Department dedicated to maintaining all city streets, responsible for more than 415 miles of area (including 142 miles of primary streets).

Its Traffic Division also works to maintain all traffic signals and street lights. For this purpose, work is divided into four departments: Engineering, Electrical, Signing /Marking, and Communications. Other efforts include neighborhood traffic calming (e.g., speed bumps and educational programs) and enforcement of on-street parking zones.

For more information on Green Bay’s Public Works Department, visit the City of Green Bay – Public Works.

All Green Bay drivers must carry the following minimum liability limits:

We highly advise not driving without an active auto insurance policy in Green Bay.

If caught at a traffic stop with a non-existent or lapsed auto insurance coverage, you may face a $500 fine, a $60 license reinstatement fee, and a registration and driver’s license suspension until you provide proof of insurance. Presenting fraudulent proof of insurance will up that penalty to a whopping $5,000.

Worst, you must file SR-22 insurance for the next three years. After that, expect high premiums (doubling or tripling in some cases, depending on the offense), which will lower over time as long as you maintain a clean driving record.

Remember, proof of insurance means presenting it in paper or electronic format.

Wisconsin’s required minimum liability limits for bodily injury is $25,000 per person/ $50,000 per accident versus $10,000 per accident for property damage and $25,000 per person/ $50,000 per accident for uninsured motorist coverage.

Wisconsin is an at-fault state, meaning whoever is found to be the cause of an accident is responsible for damages to the other parties. When you purchase the cheapest insurance in Wisconsin, the minimum liability, your insurance company will only kick in to help pay for damages and injuries to other parties if you cause a wreck. Let’s take a look at that.

The minimum requirement for property damage liability is $10,000. You may think you will never need it because you are a very careful and safe driver. But what if you hydroplane on a wet road and smash into someone’s brand new car? Most new cars cost upwards of $30,000 these days. Your insurer will kick in $10,000 (minus your deductible) and you’ll have to pay for the rest out of pocket.

And that’s not all. You’ll have to pay for your repairs because your liability will never cover your own damages.

You can choose to purchase more insurance, such as full and other optional coverages, for better protection. And you can choose to increase the limits of your liability, which will give you more financial protection. Most liability policies are written for:

Every auto insurance provider has proprietary underwriting criteria that assesses the risk profile of every policyholder on its roster. Key deciding factors used by insurers include age, gender, zip code of residence, and driving record.

Other factors allowed in determining insurance premiums include: