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Finding the cheapest car insurance quotes in Amelia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Amelia
The car insurance rate in Amelia is $962 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $275, making it a popular choice for budget-conscious drivers. Rates in Amelia 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.
At $275 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 $422 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 $533
for six months, making it
the third cheapest auto insurance company in Amelia.
Amelia Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Amelia, NE is American National P&C, offering policies at just $275 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $422.
At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1040 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amelia drivers find the best deals.
The auto insurance costs in Amelia fall around $275 for six
months.
The cheapest auto insurance company in Amelia is American National P&C.
Teen drivers pay the highest rate in Amelia at $422 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Amelia
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 Amelia are given below.
American National P&C provides
the cheapest minimum car insurance
coverage in Amelia. Their Average 6 Month Premium is $98.
North Star Mutual Insurance is the most
expensive at $165 for the same
period.
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 Amelia is American National P&C
at $46 per month and $275
for six months.
Cheapest Full Coverage Car Insurance Quotes in Amelia,
NE
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 Amelia, NE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Amelia, 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, Amelia's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Amelia
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
$731
30s
USAA
$567
40s
USAA
$505
50s
USAA
$482
60s
USAA
$482
70s
USAA
$561
Cheapest Car Insurance Rates for Teen Drivers in
Amelia,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 Amelia at $20
per
month. At $2484 for a six-month premium,
American Family offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Amelia.
As young drivers face the highest rates in Amelia, Farm Bureau Mutual
offers the cheapest auto insurance rates at $731 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 Amelia,
American National P&C is
the cheapest car insurance provider. At $343 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
Amelia is American Family, offering
rates of around $1781 for six
months.
Save up to $971/yr on car insurance rates in Amelia.
Car Insurance Rates with An Accident in Amelia
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 Amelia, NE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Amelia
The cheapest car insurance companies after an at-fault accident in
Amelia include American National P&C
and Farmers, offering $141
and $227,
respectively. American Family is an expensive provider
with an average six-month premium of
$1248.
Here is a list of driving violations that can increase your car
insurance rates in Amelia NE. For example, the car
insurance in Amelia
after a DUI increases to $985 for a six
month policy. While the rate increases by $196 for a six-month policy in the case of
a speeding ticket.
Amelia auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1046
$174
One Med/PIP claim
$1046
$178
Not-at-fault accident
$1138
$190
Driving without lights
$1163
$198
Failure to show documents
$1163
$194
Driving with expired registration
$1174
$200
Failure to wear a seat belt
$1174
$196
Two Med/PIP claims
$1180
$201
Cell phone violation
$1187
$198
One comp claim
$1187
$202
Texting while driving
$1187
$198
Failure to yield
$1205
$205
Child safety restraint
$1211
$202
Driving too slowly
$1211
$206
Speeding in school zone
$1224
$204
Failure to stop at a red light
$1230
$209
Illegal turn
$1242
$207
Passing school bus
$1242
$211
Speeding 6 - 10 MPH over limit
$1242
$207
Following too closely
$1248
$212
Improper passing
$1261
$210
Speeding 11 - 15 MPH over limit
$1273
$216
Speeding 16 - 20 MPH over limit
$1291
$215
Wrong way/wrong lane
$1315
$224
Speeding 21 - 25 MPH over limit
$1328
$221
Operating a vehicle without permission
$1395
$237
In 65 MPH zone
$1413
$236
Two comp claims
$1426
$242
Open container
$1463
$244
At-fault accident - less than $1000
$1499
$254
At-fault accident - $1000-$2000
$1634
$272
At-fault accident - greater than $2000
$1634
$278
Reckless driving
$1854
$309
Driving with a suspended license
$1915
$325
Refusal to submit to a chemical test
$1977
$330
DUI
$2031
$345
Leaving scene of an accident/hit and run
$2062
$344
Racing
$2068
$351
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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 Amelia 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 Amelia.
The cheapest car insurance premiums in
Amelia are
offered by American National P&C at $159 for a six-month policy.
However, it can be as
expensive as $1040 with companies
like American Family.
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 Amelia are offered by American National P&C
at $123. However,
it can be as expensive as $1151
with companies like American Family for a similar
six-month premium.
Cheapest Car Insurance in Amelia after Speeding ticket
Car insurance rates in Amelia have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Amelia rose by
$193 in December
compared to $169 of November. In other words, there has been an increase by $24 when you
compare December and November.
The average cost of liability insurance in the Amelia rose to $39 in December,
compared to $38 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Amelia. At $1924 for a
six-month policy, insuring
your car at 68711 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Amelia?
The car insurance in Amelia is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Amelia?
The cheapest car insurance in Amelia
is $46 per month
for full coverage.
How much is car insurance in Amelia for teenagers?
Car insurance for teenagers costs $116 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
Amelia?
The average cost of car insurance is $934 for a six-month
policy. It will cost around $162 per month to insure your
car in Amelia.
Is car insurance expensive in Amelia?
Car insurance can be expensive in Amelia if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Amelia can be
affordable.
What is the best car insurance in Amelia,
NE?
The best car insurance company in Amelia
NE is
American National P&C, offering $275 for a
six-month policy.
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Amelia Car Insurance
