Auto Insurance Quotes in Green Bay WI - [Mom Prepared] (2025)

Auto insurance is a necessity for many families, especially those with multiple vehicles and drivers of varying ages. In Green Bay, Wisconsin, the Smith family is no exception. With three children at driving age and a fourth approaching soon, they have a lot to consider when it comes to their auto insurance coverage.

John and Sarah Smith have been married for 20 years and have four children ranging in ages from 16 to 25. They live in a quiet suburban neighborhood in Green Bay and lead busy lives with work, school, and extracurricular activities. With four vehicles in their household, they rely on auto insurance to protect their assets and provide peace of mind on the road.

Their oldest son, Mike, is 25 and drives a 2015 Toyota Camry. He has a clean driving record and is considered a low-risk driver by insurance companies. Mike carries a full coverage policy with a $500 deductible and pays $120 per month for his insurance.

Their daughter, Emily, is 22 and drives a 2018 Honda Civic. She has had a couple of minor accidents in the past, but nothing major. Emily carries a liability-only policy with a high deductible to keep her monthly payments low at $80 per month.

Their second son, Jake, is 18 and just got his license. He drives a 2010 Ford Fusion and is considered a high-risk driver due to his lack of experience on the road. Jake carries a full coverage policy with a $1000 deductible and pays $200 per month for his insurance.

Their youngest daughter, Lily, is 16 and will be getting her license soon. She will be driving a 2019 Subaru Forester that the family recently purchased for her. Lily will be added to their family policy with a learner’s permit and will start off with a high premium due to her age and lack of driving experience.

The Smith family has had their fair share of driving infractions over the years, ranging from speeding tickets to at-fault accidents. These infractions have resulted in increased auto insurance rates for some family members. For example, when Emily got into a fender bender last year, her insurance rates went up by 15%. Jake’s speeding ticket raised his rates by 20%, and Mike’s DUI charge resulted in a 30% increase in his premiums.

In Green Bay, Wisconsin, there are several common questions that residents have about auto insurance. Here are 12 of the most frequently asked questions and their answers:

1. What is the minimum amount of auto insurance required in Wisconsin?

In Wisconsin, drivers are required to carry liability insurance with a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

2. What factors can affect my auto insurance rates in Green Bay?

Several factors can affect your auto insurance rates in Green Bay, including your age, driving record, credit score, and the type of vehicle you drive.

3. How can I lower my auto insurance premiums in Green Bay?

You can lower your auto insurance premiums in Green Bay by taking advantage of discounts offered by insurance companies, such as multi-policy, safe driver, and good student discounts.

4. Is it worth it to add comprehensive and collision coverage to my policy?

Comprehensive and collision coverage can be beneficial if you have a newer vehicle or if you want additional protection in case of accidents, theft, or vandalism.

5. What should I do if I get into an accident in Green Bay?

If you get into an accident in Green Bay, you should exchange information with the other driver, take photos of the damage, and contact your insurance company to file a claim.

6. Can I add my teenage driver to my auto insurance policy in Green Bay?

Yes, you can add your teenage driver to your auto insurance policy in Green Bay, but be prepared for an increase in your premiums due to their lack of driving experience.

7. What is the average cost of auto insurance in Green Bay?

The average cost of auto insurance in Green Bay varies depending on several factors, but residents can expect to pay around $1,200 to $1,500 per year for coverage.

8. Can I switch auto insurance companies in Green Bay?

Yes, you can switch auto insurance companies in Green Bay at any time, but be sure to compare quotes from multiple insurers to find the best rates and coverage options.

9. Do I need uninsured motorist coverage in Green Bay?

While uninsured motorist coverage is not required in Wisconsin, it can provide valuable protection in case you are involved in an accident with an uninsured or underinsured driver.

10. Are there any specific auto insurance requirements for teen drivers in Green Bay?

Teen drivers in Green Bay are subject to the same auto insurance requirements as adult drivers, but they may face higher premiums due to their age and lack of driving experience.

11. Can I bundle my auto insurance with my homeowners or renters insurance in Green Bay?

Yes, many insurance companies in Green Bay offer discounts for bundling your auto insurance with other policies, such as homeowners or renters insurance.

12. How can I find the best auto insurance quotes in Green Bay?

To find the best auto insurance quotes in Green Bay, you should shop around and compare rates from multiple insurers, taking into account coverage options, discounts, and customer reviews.