Cheapest Car Insurance Quotes in Broken Bow

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Broken Bow Car Insurance

^$ 17

/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 Broken Bow

The car insurance rate in Broken Bow is $981 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $280, making it a popular choice for budget-conscious drivers. Rates in Broken Bow 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 Broken Bow

$981

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Broken Bow

1st place: American National P&C

At $280 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 $431 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 $543 for six months, making it the third cheapest auto insurance company in Broken Bow.

Broken Bow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Broken Bow, NE is American National P&C, offering policies at just $280 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $431.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Broken Bow drivers find the best deals.

Cheap Car Insurance Companies in Broken Bow, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$280	$47
Auto-Owners Insurance Co	$431	$71
American National	$543	$91
Farmers Mutual of Nebraska	$586	$99
Shelter	$599	$102
IMT Insurance Company	$611	$102
Auto-Owners	$855	$144
USAA	$942	$159
Farmers	$998	$170
Progressive	$1029	$173
State Farm	$1116	$188
North Star Mutual	$1322	$221
Allstate	$1553	$261
Farm Bureau	$1877	$313
Nationwide	$1896	$322
American Family	$1061	$176

Key Takeaways

Way's key takeaways about car insurance in Broken Bow

The auto insurance costs in Broken Bow fall around $280 for six months.
The cheapest auto insurance company in Broken Bow is American National P&C.
Teen drivers pay the highest rate in Broken Bow at $431 per month.

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Cheapest Minimum Liability Car Insurance in Broken Bow

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 Broken Bow are given below.

American National P&C provides the cheapest minimum car insurance coverage in Broken Bow. Their Average 6 Month Premium is $100. North Star Mutual Insurance is the most expensive at $168 for the same period.

Cheapest Liability Coverage in Broken Bow, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$100	$17
American National	$106	$18
Farmers Mutual of Nebraska	$156	$26
North Star Mutual	$193	$33
Auto-Owners Insurance Co	$206	$35
Farmers	$212	$36
IMT Insurance	$218	$37
Progressive	$218	$37
USAA	$218	$37
Auto-Owners	$231	$39
Iowa Farm Bureau	$250	$42
Shelter	$256	$43
State Farm	$256	$43
Farm Bureau	$356	$61
Allstate	$492	$83
Nationwide	$636	$108
American Family	$306	$51
North Star Mutual Insurance	$168	$28

Cheapest Full Coverage Car Insurance in Broken Bow

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 Broken Bow is American National P&C at $47 per month and $280 for six months.

Cheapest Full Coverage Car Insurance Quotes in Broken Bow, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$280	$47
Auto-Owners Insurance Co	$431	$71
American National	$543	$91
Farmers Mutual of Nebraska	$586	$99
Shelter	$599	$102
IMT Insurance Company	$611	$102
Auto-Owners	$855	$144
USAA	$942	$159
Farmers	$998	$170
Progressive	$1029	$173
State Farm	$1116	$188
North Star Mutual	$1322	$221
Allstate	$1553	$261
Farm Bureau	$1877	$313
Nationwide	$1896	$322
American Family	$1061	$176

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Average Car Insurance in Broken Bow 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 Broken Bow, NE increasing?

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

Car Insurance Premiums by Age in Broken Bow

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	$746
30s	USAA	$578
40s	USAA	$515
50s	USAA	$491
60s	USAA	$491
70s	USAA	$572

Cheapest Car Insurance Rates for Teen Drivers in Broken Bow,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 Broken Bow at $20 per month. At $2533 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	$119	$20
Farmers	$193	$33
North Star Mutual Insurance	$261	$44
Iowa Farm Bureau	$280	$47
Auto-Owners Insurance Co	$287	$48
Farmers Mutual of Nebraska	$954	$161
American National	$1197	$204
USAA	$1434	$242
Auto-Owners	$2158	$363
State Farm	$2289	$385
Progressive	$2333	$393
Allstate	$3405	$573
Farm Bureau	$4104	$698
Nationwide	$6449	$1075
American Family	$2533	$431

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 Broken Bow.

As young drivers face the highest rates in Broken Bow, Farm Bureau Mutual offers the cheapest auto insurance rates at $746 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 Broken Bow, American National P&C is the cheapest car insurance provider. At $350 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 Broken Bow is American Family, offering rates of around $1815 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$350	$58
IMT Insurance Company	$393	$67
Shelter	$418	$69
Iowa Farm Bureau	$486	$83
Farmers Mutual of Nebraska	$649	$109
Progressive	$1079	$182
USAA	$1347	$225
Auto-Owners	$2401	$408
Allstate	$2414	$402
Nationwide	$2657	$452
Farm Bureau	$3499	$583
State Farm	$5632	$958
American Family	$1815	$302

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Car Insurance Rates with An Accident in Broken Bow

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

Cheapest Car Insurance Companies after an At-Fault Accident in Broken Bow

The cheapest car insurance companies after an at-fault accident in Broken Bow include American National P&C and Farmers, offering $144 and $231, respectively. American Family is an expensive provider with an average six-month premium of $1273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$144	$24
Farmers	$231	$39
Auto-Owners Insurance Co	$237	$40
North Star Mutual	$337	$58
Iowa Farm Bureau	$386	$64
North Star Mutual Insurance	$449	$77
American National	$611	$102
Farmers Mutual of Nebraska	$617	$104
Auto-Owners	$717	$121
USAA	$717	$121
State Farm	$761	$128
Progressive	$1023	$172
Allstate	$2314	$390
Farm Bureau	$2987	$508
Nationwide	$3074	$512
American Family	$1273	$212

Broken Bow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Broken Bow NE. For example, the car insurance in Broken Bow after a DUI increases to $1004 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Broken Bow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1067	$177
One Med/PIP claim	$1067	$182
Not-at-fault accident	$1160	$193
Driving without lights	$1185	$202
Failure to show documents	$1185	$197
Driving with expired registration	$1197	$204
Failure to wear a seat belt	$1197	$200
Two Med/PIP claims	$1203	$205
Cell phone violation	$1210	$202
One comp claim	$1210	$206
Texting while driving	$1210	$202
Failure to yield	$1229	$209
Child safety restraint	$1235	$206
Driving too slowly	$1235	$210
Speeding in school zone	$1247	$208
Failure to stop at a red light	$1254	$213
Illegal turn	$1266	$211
Passing school bus	$1266	$215
Speeding 6 - 10 MPH over limit	$1266	$211
Following too closely	$1273	$216
Improper passing	$1285	$214
Speeding 11 - 15 MPH over limit	$1298	$221
Speeding 16 - 20 MPH over limit	$1316	$219
Wrong way/wrong lane	$1341	$228
Speeding 21 - 25 MPH over limit	$1353	$226
Operating a vehicle without permission	$1422	$242
In 65 MPH zone	$1441	$240
Two comp claims	$1453	$247
Open container	$1491	$249
At-fault accident - less than $1000	$1528	$259
At-fault accident - $1000-$2000	$1665	$277
At-fault accident - greater than $2000	$1665	$284
Reckless driving	$1890	$315
Driving with a suspended license	$1952	$332
Refusal to submit to a chemical test	$2015	$336
DUI	$2071	$352
Leaving scene of an accident/hit and run	$2102	$351
Racing	$2108	$358

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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 Broken Bow 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 Broken Bow.

The cheapest car insurance premiums in Broken Bow are offered by American National P&C at $162 for a six-month policy. However, it can be as expensive as $1061 with companies like American Family.

Broken Bow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$162	$27
Farmers	$380	$63
IMT Insurance Company	$468	$80
Auto-Owners Insurance Co	$505	$84
Iowa Farm Bureau	$511	$87
Shelter	$568	$95
American National	$655	$111
Progressive	$811	$137
Farmers Mutual of Nebraska	$973	$164
USAA	$1273	$214
State Farm	$1298	$218
Auto-Owners	$1328	$224
Farm Bureau	$1347	$227
Allstate	$1939	$327
Nationwide	$4211	$716
American Family	$1061	$181

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 Broken Bow are offered by American National P&C at $125. However, it can be as expensive as $1173 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Broken Bow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$125	$21
Auto-Owners Insurance Co	$268	$45
IMT Insurance Company	$312	$54
Iowa Farm Bureau	$318	$53
Farmers Mutual of Nebraska	$505	$85
State Farm	$711	$120
Auto-Owners	$811	$138
Progressive	$954	$161
USAA	$980	$167
Allstate	$1721	$287
Farm Bureau	$2251	$383
Nationwide	$2539	$423
American Family	$1173	$200

Car Insurance Price Trends in Broken Bow, Nebraska

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

The average cost of full coverage in the Broken Bow rose by $196 in December compared to $172 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 Broken Bow rose to $40 in December, compared to $39 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 Broken Bow?

The car insurance in Broken Bow is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Broken Bow?

The cheapest car insurance in Broken Bow is $47 per month for full coverage.

How much is car insurance in Broken Bow for teenagers?

Car insurance for teenagers costs $119 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 Broken Bow?

The average cost of car insurance is $934 for a six-month policy. It will cost around $165 per month to insure your car in Broken Bow.

Is car insurance expensive in Broken Bow?

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

What is the best car insurance in Broken Bow, NE?

The best car insurance company in Broken Bow NE is American National P&C, offering $280 for a six-month policy.