Cheapest Car Insurance Quotes in Ceresco

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Ceresco 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 Ceresco

The car insurance rate in Ceresco is $925 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $264, making it a popular choice for budget-conscious drivers. Rates in Ceresco 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 Ceresco

$925

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Ceresco

1st place: American National P&C

At $264 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 $406 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 $512 for six months, making it the third cheapest auto insurance company in Ceresco.

Ceresco Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ceresco, NE is American National P&C, offering policies at just $264 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $406.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ceresco drivers find the best deals.

Cheap Car Insurance Companies in Ceresco, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$264	$45
Auto-Owners Insurance Co	$406	$67
American National	$512	$86
Farmers Mutual of Nebraska	$552	$93
Shelter	$564	$96
IMT Insurance Company	$576	$96
Auto-Owners	$806	$136
USAA	$888	$149
Farmers	$941	$160
Progressive	$970	$163
State Farm	$1052	$177
North Star Mutual	$1246	$208
Allstate	$1464	$247
Farm Bureau	$1770	$295
Nationwide	$1788	$304
American Family	$1000	$166

Key Takeaways

Way's key takeaways about car insurance in Ceresco

The auto insurance costs in Ceresco fall around $264 for six months.
The cheapest auto insurance company in Ceresco is American National P&C.
Teen drivers pay the highest rate in Ceresco at $406 per month.

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Cheapest Minimum Liability Car Insurance in Ceresco

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 Ceresco are given below.

American National P&C provides the cheapest minimum car insurance coverage in Ceresco. Their Average 6 Month Premium is $94. North Star Mutual Insurance is the most expensive at $158 for the same period.

Cheapest Liability Coverage in Ceresco, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$94	$16
American National	$100	$17
Farmers Mutual of Nebraska	$148	$25
North Star Mutual	$182	$31
Auto-Owners Insurance Co	$194	$33
Farmers	$200	$34
IMT Insurance	$206	$35
Progressive	$206	$35
USAA	$206	$35
Auto-Owners	$218	$37
Iowa Farm Bureau	$236	$40
Shelter	$242	$41
State Farm	$242	$41
Farm Bureau	$336	$57
Allstate	$464	$78
Nationwide	$600	$102
American Family	$288	$49
North Star Mutual Insurance	$158	$27

Cheapest Full Coverage Car Insurance in Ceresco

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 Ceresco is American National P&C at $45 per month and $264 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ceresco, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$264	$45
Auto-Owners Insurance Co	$406	$67
American National	$512	$86
Farmers Mutual of Nebraska	$552	$93
Shelter	$564	$96
IMT Insurance Company	$576	$96
Auto-Owners	$806	$136
USAA	$888	$149
Farmers	$941	$160
Progressive	$970	$163
State Farm	$1052	$177
North Star Mutual	$1246	$208
Allstate	$1464	$247
Farm Bureau	$1770	$295
Nationwide	$1788	$304
American Family	$1000	$166

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Average Car Insurance in Ceresco 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 Ceresco, NE increasing?

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

Car Insurance Premiums by Age in Ceresco

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	$703
30s	USAA	$545
40s	USAA	$485
50s	USAA	$463
60s	USAA	$463
70s	USAA	$540

Cheapest Car Insurance Rates for Teen Drivers in Ceresco,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 Ceresco at $19 per month. At $2388 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	$112	$19
Farmers	$182	$31
North Star Mutual Insurance	$247	$42
Iowa Farm Bureau	$264	$45
Auto-Owners Insurance Co	$270	$46
Farmers Mutual of Nebraska	$900	$151
American National	$1129	$192
USAA	$1352	$228
Auto-Owners	$2034	$343
State Farm	$2158	$363
Progressive	$2200	$370
Allstate	$3211	$541
Farm Bureau	$3870	$658
Nationwide	$6081	$1014
American Family	$2388	$406

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 Ceresco.

As young drivers face the highest rates in Ceresco, Farm Bureau Mutual offers the cheapest auto insurance rates at $703 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 Ceresco, American National P&C is the cheapest car insurance provider. At $330 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 Ceresco is American Family, offering rates of around $1712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$330	$54
IMT Insurance Company	$370	$63
Shelter	$394	$65
Iowa Farm Bureau	$458	$78
Farmers Mutual of Nebraska	$612	$103
Progressive	$1018	$171
USAA	$1270	$212
Auto-Owners	$2264	$385
Allstate	$2276	$379
Nationwide	$2505	$426
Farm Bureau	$3299	$549
State Farm	$5310	$903
American Family	$1712	$285

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Car Insurance Rates with An Accident in Ceresco

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

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

The cheapest car insurance companies after an at-fault accident in Ceresco include American National P&C and Farmers, offering $136 and $218, respectively. American Family is an expensive provider with an average six-month premium of $1200.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$136	$23
Farmers	$218	$37
Auto-Owners Insurance Co	$224	$38
North Star Mutual	$318	$54
Iowa Farm Bureau	$364	$60
North Star Mutual Insurance	$424	$72
American National	$576	$96
Farmers Mutual of Nebraska	$582	$98
Auto-Owners	$676	$114
USAA	$676	$114
State Farm	$718	$121
Progressive	$964	$162
Allstate	$2182	$367
Farm Bureau	$2817	$479
Nationwide	$2899	$483
American Family	$1200	$200

Ceresco Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ceresco NE. For example, the car insurance in Ceresco after a DUI increases to $946 for a six month policy. While the rate increases by $188 for a six-month policy in the case of a speeding ticket.

Ceresco auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1006	$167
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1094	$182
Driving without lights	$1118	$190
Failure to show documents	$1118	$186
Driving with expired registration	$1129	$192
Failure to wear a seat belt	$1129	$188
Two Med/PIP claims	$1135	$193
Cell phone violation	$1140	$190
One comp claim	$1140	$194
Texting while driving	$1140	$190
Failure to yield	$1158	$197
Child safety restraint	$1164	$194
Driving too slowly	$1164	$198
Speeding in school zone	$1176	$196
Failure to stop at a red light	$1182	$201
Illegal turn	$1194	$199
Passing school bus	$1194	$203
Speeding 6 - 10 MPH over limit	$1194	$199
Following too closely	$1200	$204
Improper passing	$1212	$202
Speeding 11 - 15 MPH over limit	$1224	$208
Speeding 16 - 20 MPH over limit	$1240	$207
Wrong way/wrong lane	$1264	$215
Speeding 21 - 25 MPH over limit	$1276	$213
Operating a vehicle without permission	$1340	$228
In 65 MPH zone	$1358	$227
Two comp claims	$1370	$233
Open container	$1406	$235
At-fault accident - less than $1000	$1440	$245
At-fault accident - $1000-$2000	$1570	$261
At-fault accident - greater than $2000	$1570	$267
Reckless driving	$1782	$297
Driving with a suspended license	$1840	$313
Refusal to submit to a chemical test	$1900	$317
DUI	$1952	$332
Leaving scene of an accident/hit and run	$1982	$331
Racing	$1988	$338

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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 Ceresco 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 Ceresco.

The cheapest car insurance premiums in Ceresco are offered by American National P&C at $152 for a six-month policy. However, it can be as expensive as $1000 with companies like American Family.

Ceresco car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$152	$26
Farmers	$358	$59
IMT Insurance Company	$442	$75
Auto-Owners Insurance Co	$476	$79
Iowa Farm Bureau	$482	$82
Shelter	$536	$89
American National	$618	$105
Progressive	$764	$129
Farmers Mutual of Nebraska	$918	$154
USAA	$1200	$202
State Farm	$1224	$206
Auto-Owners	$1252	$211
Farm Bureau	$1270	$214
Allstate	$1829	$308
Nationwide	$3970	$675
American Family	$1000	$170

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 Ceresco are offered by American National P&C at $118. However, it can be as expensive as $1106 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Ceresco after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$118	$20
Auto-Owners Insurance Co	$252	$43
IMT Insurance Company	$294	$50
Iowa Farm Bureau	$300	$50
Farmers Mutual of Nebraska	$476	$80
State Farm	$670	$113
Auto-Owners	$764	$130
Progressive	$900	$151
USAA	$924	$157
Allstate	$1623	$270
Farm Bureau	$2123	$361
Nationwide	$2394	$399
American Family	$1106	$188

Car Insurance Price Trends in Ceresco, Nebraska

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

The average cost of full coverage in the Ceresco rose by $185 in December compared to $162 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 Ceresco 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 Ceresco?

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

What is the cheapest car insurance in Ceresco?

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

How much is car insurance in Ceresco for teenagers?

Car insurance for teenagers costs $112 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 Ceresco?

The average cost of car insurance is $934 for a six-month policy. It will cost around $155 per month to insure your car in Ceresco.

Is car insurance expensive in Ceresco?

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

What is the best car insurance in Ceresco, NE?

The best car insurance company in Ceresco NE is American National P&C, offering $264 for a six-month policy.