Updated March 2026
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What Affects Rates in Green Bay
- US-41 runs north-south through Green Bay and carries heavy commuter traffic, especially during shift changes at major employers like Lambeau Field and the Port of Green Bay. Accident frequency along the Highway 41/Mason Street corridor and the I-43 interchange affects rates for drivers in east-side neighborhoods. Drivers with longer highway commutes typically see higher premiums.
- West-side neighborhoods near De Pere and Ashwaubenon generally see lower rates due to newer housing stock and lower claim density. East-side areas closer to downtown and the Fox River face slightly higher rates due to older infrastructure and higher traffic volume. The Allouez area shows mid-range rates with suburban characteristics.
- Green Bay averages 46 inches of snow annually, with lake-effect storms off Lake Michigan creating hazardous driving conditions from November through March. Highway 41 and Webster Avenue see elevated winter accident rates. Comprehensive coverage becomes essential for vehicle damage from ice, snow load, and freezing temperatures that regularly drop below zero.
- Brown County's uninsured motorist rate sits near 11%, slightly above the state average. Drivers in Green Bay face moderate risk of accidents with uninsured drivers, particularly along high-traffic corridors like Oneida Street and Main Avenue. UM/UIM coverage provides critical protection in these scenarios.
- Green Bay's property crime rate is moderate for a city its size, with vehicle theft concentrated in downtown and near commercial districts along Military Avenue. Comprehensive coverage costs remain reasonable compared to Milwaukee, but garaging location affects rates. Lambeau Field event days create temporary elevated risk in surrounding neighborhoods.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Wisconsin requires 25/50/10 minimum limits, covering injuries and property damage you cause to others.
Combines liability, collision, and comprehensive with typical deductibles around $500–$1,000.
Covers non-collision damage including weather, theft, vandalism, and animal strikes.
Pays for damage to your vehicle after an accident, regardless of fault.
Protects you when hit by a driver without insurance or insufficient coverage.
Liability Insurance
Highway 41 and I-43 commute traffic creates elevated accident risk, making higher liability limits prudent for Green Bay drivers.
$400–$700/yearEstimated range only. Not a quote.
Full Coverage
Recommended for most Green Bay drivers due to winter weather damage risk and moderate theft rates in commercial corridors.
$1,150–$1,650/yearEstimated range only. Not a quote.
Comprehensive Coverage
Green Bay's harsh winters and 46 inches of annual snow make comprehensive essential for protecting against ice, snow load, and freezing damage.
$250–$400/yearEstimated range only. Not a quote.
Collision Coverage
Highway 41 accident frequency and winter road conditions create regular collision risk for Green Bay commuters.
$450–$750/yearEstimated range only. Not a quote.
Uninsured Motorist
Brown County's 11% uninsured rate makes UM/UIM coverage valuable, especially on high-traffic routes like Oneida Street.
$100–$200/yearEstimated range only. Not a quote.