Cheapest Car Insurance Quotes in Blue Hill

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Blue Hill Car Insurance

^$ 15

/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 Blue Hill

The car insurance rate in Blue Hill is $878 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $251, making it a popular choice for budget-conscious drivers. Rates in Blue Hill 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 Blue Hill

$878

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Blue Hill

1st place: American National P&C

At $251 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 $385 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 $486 for six months, making it the third cheapest auto insurance company in Blue Hill.

Blue Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Hill, NE is American National P&C, offering policies at just $251 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $385.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $949 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Hill drivers find the best deals.

Cheap Car Insurance Companies in Blue Hill, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$251	$42
Auto-Owners Insurance Co	$385	$64
American National	$486	$82
Farmers Mutual of Nebraska	$525	$88
Shelter	$536	$91
IMT Insurance Company	$547	$91
Auto-Owners	$765	$129
USAA	$843	$142
Farmers	$893	$152
Progressive	$921	$155
State Farm	$999	$168
North Star Mutual	$1183	$197
Allstate	$1390	$234
Farm Bureau	$1681	$280
Nationwide	$1698	$289
American Family	$949	$158

Key Takeaways

Way's key takeaways about car insurance in Blue Hill

The auto insurance costs in Blue Hill fall around $251 for six months.
The cheapest auto insurance company in Blue Hill is American National P&C.
Teen drivers pay the highest rate in Blue Hill at $385 per month.

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Cheapest Minimum Liability Car Insurance in Blue Hill

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 Blue Hill are given below.

American National P&C provides the cheapest minimum car insurance coverage in Blue Hill. Their Average 6 Month Premium is $89. North Star Mutual Insurance is the most expensive at $150 for the same period.

Cheapest Liability Coverage in Blue Hill, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$89	$15
American National	$95	$16
Farmers Mutual of Nebraska	$140	$24
North Star Mutual	$173	$29
Auto-Owners Insurance Co	$184	$31
Farmers	$190	$32
IMT Insurance	$196	$33
Progressive	$196	$33
USAA	$196	$33
Auto-Owners	$207	$35
Iowa Farm Bureau	$224	$38
Shelter	$229	$39
State Farm	$229	$39
Farm Bureau	$319	$55
Allstate	$441	$74
Nationwide	$570	$97
American Family	$274	$46
North Star Mutual Insurance	$150	$25

Cheapest Full Coverage Car Insurance in Blue Hill

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 Blue Hill is American National P&C at $42 per month and $251 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Hill, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$251	$42
Auto-Owners Insurance Co	$385	$64
American National	$486	$82
Farmers Mutual of Nebraska	$525	$88
Shelter	$536	$91
IMT Insurance Company	$547	$91
Auto-Owners	$765	$129
USAA	$843	$142
Farmers	$893	$152
Progressive	$921	$155
State Farm	$999	$168
North Star Mutual	$1183	$197
Allstate	$1390	$234
Farm Bureau	$1681	$280
Nationwide	$1698	$289
American Family	$949	$158

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Average Car Insurance in Blue Hill 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 Blue Hill, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Blue Hill, 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, Blue Hill's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Blue Hill

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	$667
30s	USAA	$517
40s	USAA	$461
50s	USAA	$440
60s	USAA	$440
70s	USAA	$512

Cheapest Car Insurance Rates for Teen Drivers in Blue Hill,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 Blue Hill at $18 per month. At $2267 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	$106	$18
Farmers	$173	$29
North Star Mutual Insurance	$234	$39
Iowa Farm Bureau	$251	$42
Auto-Owners Insurance Co	$257	$43
Farmers Mutual of Nebraska	$854	$144
American National	$1072	$182
USAA	$1284	$216
Auto-Owners	$1932	$325
State Farm	$2049	$345
Progressive	$2089	$352
Allstate	$3048	$513
Farm Bureau	$3674	$625
Nationwide	$5773	$963
American Family	$2267	$385

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 Blue Hill.

As young drivers face the highest rates in Blue Hill, Farm Bureau Mutual offers the cheapest auto insurance rates at $667 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 Blue Hill, American National P&C is the cheapest car insurance provider. At $313 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 Blue Hill is American Family, offering rates of around $1625 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$313	$52
IMT Insurance Company	$352	$60
Shelter	$374	$62
Iowa Farm Bureau	$435	$74
Farmers Mutual of Nebraska	$581	$98
Progressive	$966	$163
USAA	$1206	$201
Auto-Owners	$2150	$366
Allstate	$2161	$360
Nationwide	$2378	$404
Farm Bureau	$3132	$522
State Farm	$5042	$857
American Family	$1625	$271

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Car Insurance Rates with An Accident in Blue Hill

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 Blue Hill, NE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Hill

The cheapest car insurance companies after an at-fault accident in Blue Hill include American National P&C and Farmers, offering $129 and $207, respectively. American Family is an expensive provider with an average six-month premium of $1139.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$129	$22
Farmers	$207	$35
Auto-Owners Insurance Co	$212	$36
North Star Mutual	$302	$52
Iowa Farm Bureau	$346	$57
North Star Mutual Insurance	$402	$69
American National	$547	$91
Farmers Mutual of Nebraska	$553	$93
Auto-Owners	$642	$108
USAA	$642	$108
State Farm	$682	$115
Progressive	$916	$154
Allstate	$2072	$349
Farm Bureau	$2674	$455
Nationwide	$2752	$459
American Family	$1139	$190

Blue Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Hill NE. For example, the car insurance in Blue Hill after a DUI increases to $899 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Blue Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$955	$159
One Med/PIP claim	$955	$163
Not-at-fault accident	$1039	$173
Driving without lights	$1061	$180
Failure to show documents	$1061	$177
Driving with expired registration	$1072	$182
Failure to wear a seat belt	$1072	$179
Two Med/PIP claims	$1077	$183
Cell phone violation	$1083	$180
One comp claim	$1083	$184
Texting while driving	$1083	$180
Failure to yield	$1100	$187
Child safety restraint	$1105	$184
Driving too slowly	$1105	$188
Speeding in school zone	$1117	$186
Failure to stop at a red light	$1122	$191
Illegal turn	$1134	$189
Passing school bus	$1134	$193
Speeding 6 - 10 MPH over limit	$1134	$189
Following too closely	$1139	$194
Improper passing	$1151	$192
Speeding 11 - 15 MPH over limit	$1162	$197
Speeding 16 - 20 MPH over limit	$1178	$196
Wrong way/wrong lane	$1200	$204
Speeding 21 - 25 MPH over limit	$1212	$202
Operating a vehicle without permission	$1273	$216
In 65 MPH zone	$1290	$215
Two comp claims	$1301	$221
Open container	$1335	$223
At-fault accident - less than $1000	$1368	$232
At-fault accident - $1000-$2000	$1491	$248
At-fault accident - greater than $2000	$1491	$254
Reckless driving	$1692	$282
Driving with a suspended license	$1747	$297
Refusal to submit to a chemical test	$1804	$301
DUI	$1854	$315
Leaving scene of an accident/hit and run	$1882	$314
Racing	$1888	$321

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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 Blue Hill 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 Blue Hill.

The cheapest car insurance premiums in Blue Hill are offered by American National P&C at $145 for a six-month policy. However, it can be as expensive as $949 with companies like American Family.

Blue Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$145	$24
Farmers	$340	$56
IMT Insurance Company	$419	$71
Auto-Owners Insurance Co	$452	$75
Iowa Farm Bureau	$458	$78
Shelter	$509	$85
American National	$587	$100
Progressive	$726	$122
Farmers Mutual of Nebraska	$871	$147
USAA	$1139	$192
State Farm	$1162	$196
Auto-Owners	$1189	$200
Farm Bureau	$1206	$203
Allstate	$1736	$292
Nationwide	$3769	$641
American Family	$949	$162

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 Blue Hill are offered by American National P&C at $112. However, it can be as expensive as $1050 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Blue Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$112	$19
Auto-Owners Insurance Co	$240	$40
IMT Insurance Company	$279	$48
Iowa Farm Bureau	$285	$47
Farmers Mutual of Nebraska	$452	$76
State Farm	$636	$107
Auto-Owners	$726	$123
Progressive	$854	$144
USAA	$877	$149
Allstate	$1541	$257
Farm Bureau	$2015	$343
Nationwide	$2273	$379
American Family	$1050	$179

Car Insurance Price Trends in Blue Hill, Nebraska

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

The average cost of full coverage in the Blue Hill rose by $176 in December compared to $154 of November. In other words, there has been an increase by $22 when you compare December and November.

The average cost of liability insurance in the Blue Hill rose to $36 in December, compared to $35 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 Blue Hill?

The car insurance in Blue Hill is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Hill?

The cheapest car insurance in Blue Hill is $42 per month for full coverage.

How much is car insurance in Blue Hill for teenagers?

Car insurance for teenagers costs $106 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 Blue Hill?

The average cost of car insurance is $934 for a six-month policy. It will cost around $148 per month to insure your car in Blue Hill.

Is car insurance expensive in Blue Hill?

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

What is the best car insurance in Blue Hill, NE?

The best car insurance company in Blue Hill NE is American National P&C, offering $251 for a six-month policy.