Cheapest Car Insurance Quotes in Albion

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Albion Car Insurance

^$ 16

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Albion

The car insurance rate in Albion is $934 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $267, making it a popular choice for budget-conscious drivers. Rates in Albion can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Albion

$934

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Albion

1st place: American National P&C

At $267 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $517 for six months, making it the third cheapest auto insurance company in Albion.

Albion Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Albion, NE is American National P&C, offering policies at just $267 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $410.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Albion drivers find the best deals.

Cheap Car Insurance Companies in Albion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$45
Auto-Owners Insurance Co	$410	$68
American National	$517	$87
Farmers Mutual of Nebraska	$558	$94
Shelter	$570	$97
IMT Insurance Company	$582	$97
Auto-Owners	$814	$137
USAA	$897	$151
Farmers	$950	$162
Progressive	$980	$165
State Farm	$1063	$179
North Star Mutual	$1259	$210
Allstate	$1479	$249
Farm Bureau	$1788	$298
Nationwide	$1806	$307
American Family	$1010	$168

Key Takeaways

Way's key takeaways about car insurance in Albion

The auto insurance costs in Albion fall around $267 for six months.
The cheapest auto insurance company in Albion is American National P&C.
Teen drivers pay the highest rate in Albion at $410 per month.

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Cheapest Minimum Liability Car Insurance in Albion

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Albion are given below.

American National P&C provides the cheapest minimum car insurance coverage in Albion. Their Average 6 Month Premium is $95. North Star Mutual Insurance is the most expensive at $160 for the same period.

Cheapest Liability Coverage in Albion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$95	$16
American National	$101	$17
Farmers Mutual of Nebraska	$149	$25
North Star Mutual	$184	$31
Auto-Owners Insurance Co	$196	$33
Farmers	$202	$34
IMT Insurance	$208	$35
Progressive	$208	$35
USAA	$208	$35
Auto-Owners	$220	$37
Iowa Farm Bureau	$238	$40
Shelter	$244	$41
State Farm	$244	$41
Farm Bureau	$339	$58
Allstate	$469	$79
Nationwide	$606	$103
American Family	$291	$49
North Star Mutual Insurance	$160	$27

Cheapest Full Coverage Car Insurance in Albion

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Albion is American National P&C at $45 per month and $267 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$45
Auto-Owners Insurance Co	$410	$68
American National	$517	$87
Farmers Mutual of Nebraska	$558	$94
Shelter	$570	$97
IMT Insurance Company	$582	$97
Auto-Owners	$814	$137
USAA	$897	$151
Farmers	$950	$162
Progressive	$980	$165
State Farm	$1063	$179
North Star Mutual	$1259	$210
Allstate	$1479	$249
Farm Bureau	$1788	$298
Nationwide	$1806	$307
American Family	$1010	$168

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Average Car Insurance in Albion by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Albion, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Albion, Nebraska, may be increasing due to several external factors. Nebraska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Albion's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Albion

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$710
30s	USAA	$550
40s	USAA	$490
50s	USAA	$468
60s	USAA	$468
70s	USAA	$545

Cheapest Car Insurance Rates for Teen Drivers in Albion,NE

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Albion at $19 per month. At $2412 for a six-month premium, American Family offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$113	$19
Farmers	$184	$31
North Star Mutual Insurance	$249	$42
Iowa Farm Bureau	$267	$45
Auto-Owners Insurance Co	$273	$46
Farmers Mutual of Nebraska	$909	$153
American National	$1140	$194
USAA	$1366	$230
Auto-Owners	$2055	$346
State Farm	$2180	$367
Progressive	$2222	$374
Allstate	$3243	$546
Farm Bureau	$3909	$665
Nationwide	$6142	$1024
American Family	$2412	$410

Teen Car Insurance Rates in NE by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Albion.

As young drivers face the highest rates in Albion, Farm Bureau Mutual offers the cheapest auto insurance rates at $710 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Albion, American National P&C is the cheapest car insurance provider. At $333 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Albion is American Family, offering rates of around $1729 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$333	$55
IMT Insurance Company	$374	$64
Shelter	$398	$66
Iowa Farm Bureau	$463	$79
Farmers Mutual of Nebraska	$618	$104
Progressive	$1028	$173
USAA	$1283	$214
Auto-Owners	$2287	$389
Allstate	$2299	$383
Nationwide	$2530	$430
Farm Bureau	$3332	$555
State Farm	$5364	$912
American Family	$1729	$288

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Car Insurance Rates with An Accident in Albion

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Albion, NE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Albion

The cheapest car insurance companies after an at-fault accident in Albion include American National P&C and Farmers, offering $137 and $220, respectively. American Family is an expensive provider with an average six-month premium of $1212.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$137	$23
Farmers	$220	$37
Auto-Owners Insurance Co	$226	$38
North Star Mutual	$321	$55
Iowa Farm Bureau	$368	$61
North Star Mutual Insurance	$428	$73
American National	$582	$97
Farmers Mutual of Nebraska	$588	$99
Auto-Owners	$683	$115
USAA	$683	$115
State Farm	$725	$122
Progressive	$974	$164
Allstate	$2204	$371
Farm Bureau	$2845	$484
Nationwide	$2928	$488
American Family	$1212	$202

Albion Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albion NE. For example, the car insurance in Albion after a DUI increases to $956 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Albion auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1016	$169
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1105	$184
Driving without lights	$1129	$192
Failure to show documents	$1129	$188
Driving with expired registration	$1140	$194
Failure to wear a seat belt	$1140	$190
Two Med/PIP claims	$1146	$195
Cell phone violation	$1152	$192
One comp claim	$1152	$196
Texting while driving	$1152	$192
Failure to yield	$1170	$199
Child safety restraint	$1176	$196
Driving too slowly	$1176	$200
Speeding in school zone	$1188	$198
Failure to stop at a red light	$1194	$203
Illegal turn	$1206	$201
Passing school bus	$1206	$205
Speeding 6 - 10 MPH over limit	$1206	$201
Following too closely	$1212	$206
Improper passing	$1224	$204
Speeding 11 - 15 MPH over limit	$1236	$210
Speeding 16 - 20 MPH over limit	$1253	$209
Wrong way/wrong lane	$1277	$217
Speeding 21 - 25 MPH over limit	$1289	$215
Operating a vehicle without permission	$1354	$230
In 65 MPH zone	$1372	$229
Two comp claims	$1384	$235
Open container	$1420	$237
At-fault accident - less than $1000	$1455	$247
At-fault accident - $1000-$2000	$1586	$264
At-fault accident - greater than $2000	$1586	$270
Reckless driving	$1800	$300
Driving with a suspended license	$1859	$316
Refusal to submit to a chemical test	$1919	$320
DUI	$1972	$335
Leaving scene of an accident/hit and run	$2002	$334
Racing	$2008	$341

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Albion after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Albion.

The cheapest car insurance premiums in Albion are offered by American National P&C at $154 for a six-month policy. However, it can be as expensive as $1010 with companies like American Family.

Albion car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$154	$26
Farmers	$362	$60
IMT Insurance Company	$446	$76
Auto-Owners Insurance Co	$481	$80
Iowa Farm Bureau	$487	$83
Shelter	$541	$90
American National	$624	$106
Progressive	$772	$130
Farmers Mutual of Nebraska	$927	$156
USAA	$1212	$204
State Farm	$1236	$208
Auto-Owners	$1265	$213
Farm Bureau	$1283	$216
Allstate	$1847	$311
Nationwide	$4010	$682
American Family	$1010	$172

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Albion are offered by American National P&C at $119. However, it can be as expensive as $1117 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Albion after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$119	$20
Auto-Owners Insurance Co	$255	$43
IMT Insurance Company	$297	$51
Iowa Farm Bureau	$303	$50
Farmers Mutual of Nebraska	$481	$81
State Farm	$677	$114
Auto-Owners	$772	$131
Progressive	$909	$153
USAA	$933	$159
Allstate	$1639	$273
Farm Bureau	$2144	$365
Nationwide	$2418	$403
American Family	$1117	$190

Car Insurance Price Trends in Albion, Nebraska

Car insurance rates in Albion have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Albion rose by $187 in December compared to $164 of November. In other words, there has been an increase by $23 when you compare December and November.

The average cost of liability insurance in the Albion rose to $38 in December, compared to $37 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Albion?

The car insurance in Albion is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Albion?

The cheapest car insurance in Albion is $45 per month for full coverage.

How much is car insurance in Albion for teenagers?

Car insurance for teenagers costs $113 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Albion?

The average cost of car insurance is $934 for a six-month policy. It will cost around $157 per month to insure your car in Albion.

Is car insurance expensive in Albion?

Car insurance can be expensive in Albion if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Albion can be affordable.

What is the best car insurance in Albion, NE?

The best car insurance company in Albion NE is American National P&C, offering $267 for a six-month policy.