Average car insurance cost in Green Bay, Wisconsin

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At $1,840 per year, Green Bay drivers pay $503 less than the state average and $738 less than the national average for full coverage car insurance.

GEICO holds the lowest average rate at $1,060, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Green Bay’s average rate compares to state and national averages:

How much car insurance do you need in Green Bay?

Most drivers in Green Bay need at least liability coverage, but full coverage offers stronger financial protection because it pays for your own car, not just the other driver’s.

Liability only covers damage you cause to others, if your car gets damaged in an accident, stolen, or hit by a falling tree, you’re paying out of pocket without full coverage. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $451 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $540 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for others’ injuries and property damage when you’re at fault but doesn’t cover your own vehicle.
• Full coverage: $1,840 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Green Bay?

GEICO beats every insurer when it comes down to price for full coverage car insurance in Green Bay, at $1,060 per year. Nationwide ranks second at $1,356 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company, so comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Green Bay.

Do men or women pay more for car insurance in Green Bay?

In Green Bay, male drivers pay $1,827 per year for full coverage, which is $25 less than the $1,852 per year that female drivers pay.

Gender factors into pricing in most states, though seven don’t allow it. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania stand out as exceptions.

The Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, points to safer driving habits and fewer serious accidents among women as the reason. Insurers build that difference into what men pay.

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How does age affect car insurance rates in Green Bay?

Teen drivers pay the highest rates in Green Bay at $6,961 a year, or $580 a month. Rates decline with experience – young adults ages 20 to 24 pay $2,971 a year, adults 25 to 55 pay $1,831 a year, and seniors 60 to 75 pay $1,878 a year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

Rates fall as drivers rack up experience. Young adults ages 20 to 24 pay $2,971 a year – 57% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Green Bay?

Green Bay rates have moved in a upward direction since 2023 to 2025, climbing or falling by 22%, or $329.

If your own premium has been rising, shop around and confirm you’re not paying more than what other insurers charge.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.