Cheapest Car Insurance Quotes in Blue Springs

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Blue Springs 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 Blue Springs

The car insurance rate in Blue Springs is $953 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $272, making it a popular choice for budget-conscious drivers. Rates in Blue Springs 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 Springs

$953

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Blue Springs

1st place: American National P&C

At $272 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 $418 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 $527 for six months, making it the third cheapest auto insurance company in Blue Springs.

Blue Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Springs, NE is American National P&C, offering policies at just $272 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $418.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Springs drivers find the best deals.

Cheap Car Insurance Companies in Blue Springs, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$272	$46
Auto-Owners Insurance Co	$418	$69
American National	$527	$89
Farmers Mutual of Nebraska	$569	$96
Shelter	$581	$99
IMT Insurance Company	$594	$99
Auto-Owners	$830	$140
USAA	$915	$154
Farmers	$969	$165
Progressive	$1000	$168
State Farm	$1084	$183
North Star Mutual	$1284	$214
Allstate	$1509	$254
Farm Bureau	$1824	$304
Nationwide	$1842	$313
American Family	$1030	$171

Key Takeaways

Way's key takeaways about car insurance in Blue Springs

The auto insurance costs in Blue Springs fall around $272 for six months.
The cheapest auto insurance company in Blue Springs is American National P&C.
Teen drivers pay the highest rate in Blue Springs at $418 per month.

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Cheapest Minimum Liability Car Insurance in Blue Springs

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 Springs are given below.

American National P&C provides the cheapest minimum car insurance coverage in Blue Springs. Their Average 6 Month Premium is $97. North Star Mutual Insurance is the most expensive at $163 for the same period.

Cheapest Liability Coverage in Blue Springs, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$97	$16
American National	$103	$17
Farmers Mutual of Nebraska	$152	$26
North Star Mutual	$188	$32
Auto-Owners Insurance Co	$200	$34
Farmers	$206	$35
IMT Insurance	$212	$36
Progressive	$212	$36
USAA	$212	$36
Auto-Owners	$224	$38
Iowa Farm Bureau	$243	$41
Shelter	$249	$42
State Farm	$249	$42
Farm Bureau	$346	$59
Allstate	$478	$81
Nationwide	$618	$105
American Family	$297	$50
North Star Mutual Insurance	$163	$28

Cheapest Full Coverage Car Insurance in Blue Springs

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 Springs is American National P&C at $46 per month and $272 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Springs, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$272	$46
Auto-Owners Insurance Co	$418	$69
American National	$527	$89
Farmers Mutual of Nebraska	$569	$96
Shelter	$581	$99
IMT Insurance Company	$594	$99
Auto-Owners	$830	$140
USAA	$915	$154
Farmers	$969	$165
Progressive	$1000	$168
State Farm	$1084	$183
North Star Mutual	$1284	$214
Allstate	$1509	$254
Farm Bureau	$1824	$304
Nationwide	$1842	$313
American Family	$1030	$171

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Average Car Insurance in Blue Springs 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 Springs, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Blue Springs, 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 Springs'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 Springs

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	$724
30s	USAA	$561
40s	USAA	$500
50s	USAA	$477
60s	USAA	$477
70s	USAA	$556

Cheapest Car Insurance Rates for Teen Drivers in Blue Springs,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 Springs at $19 per month. At $2460 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	$115	$19
Farmers	$188	$32
North Star Mutual Insurance	$254	$43
Iowa Farm Bureau	$272	$46
Auto-Owners Insurance Co	$278	$47
Farmers Mutual of Nebraska	$927	$156
American National	$1163	$198
USAA	$1393	$235
Auto-Owners	$2096	$353
State Farm	$2224	$374
Progressive	$2266	$381
Allstate	$3308	$557
Farm Bureau	$3987	$678
Nationwide	$6265	$1044
American Family	$2460	$418

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 Springs.

As young drivers face the highest rates in Blue Springs, Farm Bureau Mutual offers the cheapest auto insurance rates at $724 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 Springs, American National P&C is the cheapest car insurance provider. At $340 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 Springs is American Family, offering rates of around $1764 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$340	$56
IMT Insurance Company	$381	$65
Shelter	$406	$67
Iowa Farm Bureau	$472	$81
Farmers Mutual of Nebraska	$630	$106
Progressive	$1049	$176
USAA	$1309	$218
Auto-Owners	$2333	$397
Allstate	$2345	$391
Nationwide	$2581	$439
Farm Bureau	$3399	$566
State Farm	$5471	$930
American Family	$1764	$294

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Car Insurance Rates with An Accident in Blue Springs

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

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

The cheapest car insurance companies after an at-fault accident in Blue Springs include American National P&C and Farmers, offering $140 and $224, respectively. American Family is an expensive provider with an average six-month premium of $1236.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$140	$23
Farmers	$224	$38
Auto-Owners Insurance Co	$231	$39
North Star Mutual	$327	$56
Iowa Farm Bureau	$375	$62
North Star Mutual Insurance	$437	$74
American National	$594	$99
Farmers Mutual of Nebraska	$600	$101
Auto-Owners	$697	$117
USAA	$697	$117
State Farm	$740	$124
Progressive	$993	$167
Allstate	$2248	$378
Farm Bureau	$2902	$494
Nationwide	$2987	$498
American Family	$1236	$206

Blue Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Springs NE. For example, the car insurance in Blue Springs after a DUI increases to $975 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Blue Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1036	$172
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1127	$188
Driving without lights	$1152	$196
Failure to show documents	$1152	$192
Driving with expired registration	$1163	$198
Failure to wear a seat belt	$1163	$194
Two Med/PIP claims	$1169	$199
Cell phone violation	$1175	$196
One comp claim	$1175	$200
Texting while driving	$1175	$196
Failure to yield	$1193	$203
Child safety restraint	$1200	$200
Driving too slowly	$1200	$204
Speeding in school zone	$1212	$202
Failure to stop at a red light	$1218	$207
Illegal turn	$1230	$205
Passing school bus	$1230	$209
Speeding 6 - 10 MPH over limit	$1230	$205
Following too closely	$1236	$210
Improper passing	$1248	$208
Speeding 11 - 15 MPH over limit	$1261	$214
Speeding 16 - 20 MPH over limit	$1278	$213
Wrong way/wrong lane	$1303	$221
Speeding 21 - 25 MPH over limit	$1315	$219
Operating a vehicle without permission	$1381	$235
In 65 MPH zone	$1399	$234
Two comp claims	$1412	$240
Open container	$1448	$242
At-fault accident - less than $1000	$1484	$252
At-fault accident - $1000-$2000	$1618	$269
At-fault accident - greater than $2000	$1618	$275
Reckless driving	$1836	$306
Driving with a suspended license	$1896	$322
Refusal to submit to a chemical test	$1957	$326
DUI	$2011	$342
Leaving scene of an accident/hit and run	$2042	$341
Racing	$2048	$348

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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 Springs 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 Springs.

The cheapest car insurance premiums in Blue Springs are offered by American National P&C at $157 for a six-month policy. However, it can be as expensive as $1030 with companies like American Family.

Blue Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$157	$27
Farmers	$369	$61
IMT Insurance Company	$455	$78
Auto-Owners Insurance Co	$491	$82
Iowa Farm Bureau	$497	$85
Shelter	$552	$92
American National	$636	$108
Progressive	$787	$133
Farmers Mutual of Nebraska	$946	$159
USAA	$1236	$208
State Farm	$1261	$212
Auto-Owners	$1290	$217
Farm Bureau	$1309	$220
Allstate	$1884	$317
Nationwide	$4090	$696
American Family	$1030	$175

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 Springs are offered by American National P&C at $121. However, it can be as expensive as $1139 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Blue Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$121	$20
Auto-Owners Insurance Co	$260	$44
IMT Insurance Company	$303	$52
Iowa Farm Bureau	$309	$51
Farmers Mutual of Nebraska	$491	$83
State Farm	$691	$116
Auto-Owners	$787	$134
Progressive	$927	$156
USAA	$952	$162
Allstate	$1672	$278
Farm Bureau	$2187	$372
Nationwide	$2466	$411
American Family	$1139	$194

Car Insurance Price Trends in Blue Springs, Nebraska

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

The average cost of full coverage in the Blue Springs rose by $191 in December compared to $167 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 Blue Springs rose to $39 in December, compared to $38 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 Springs?

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

What is the cheapest car insurance in Blue Springs?

The cheapest car insurance in Blue Springs is $46 per month for full coverage.

How much is car insurance in Blue Springs for teenagers?

Car insurance for teenagers costs $115 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 Springs?

The average cost of car insurance is $934 for a six-month policy. It will cost around $160 per month to insure your car in Blue Springs.

Is car insurance expensive in Blue Springs?

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

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

The best car insurance company in Blue Springs NE is American National P&C, offering $272 for a six-month policy.