Cheapest Car Insurance Quotes in Champion

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Champion 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 Champion

The car insurance rate in Champion is $1018 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in Champion 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 Champion

$1018

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Champion

1st place: American National P&C

At $291 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 $447 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 $564 for six months, making it the third cheapest auto insurance company in Champion.

Champion Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Champion, NE is American National P&C, offering policies at just $291 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $447.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1101 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Champion drivers find the best deals.

Cheap Car Insurance Companies in Champion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$291	$49
Auto-Owners Insurance Co	$447	$74
American National	$564	$95
Farmers Mutual of Nebraska	$608	$102
Shelter	$621	$106
IMT Insurance Company	$634	$106
Auto-Owners	$887	$149
USAA	$978	$165
Farmers	$1036	$177
Progressive	$1068	$180
State Farm	$1159	$195
North Star Mutual	$1372	$229
Allstate	$1612	$271
Farm Bureau	$1949	$325
Nationwide	$1969	$335
American Family	$1101	$183

Key Takeaways

Way's key takeaways about car insurance in Champion

The auto insurance costs in Champion fall around $291 for six months.
The cheapest auto insurance company in Champion is American National P&C.
Teen drivers pay the highest rate in Champion at $447 per month.

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Cheapest Minimum Liability Car Insurance in Champion

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 Champion are given below.

American National P&C provides the cheapest minimum car insurance coverage in Champion. Their Average 6 Month Premium is $104. North Star Mutual Insurance is the most expensive at $174 for the same period.

Cheapest Liability Coverage in Champion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$104	$17
American National	$110	$19
Farmers Mutual of Nebraska	$162	$27
North Star Mutual	$201	$34
Auto-Owners Insurance Co	$214	$36
Farmers	$220	$37
IMT Insurance	$227	$38
Progressive	$227	$38
USAA	$227	$38
Auto-Owners	$240	$40
Iowa Farm Bureau	$259	$44
Shelter	$266	$45
State Farm	$266	$45
Farm Bureau	$370	$63
Allstate	$511	$86
Nationwide	$661	$112
American Family	$317	$53
North Star Mutual Insurance	$174	$29

Cheapest Full Coverage Car Insurance in Champion

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 Champion is American National P&C at $49 per month and $291 for six months.

Cheapest Full Coverage Car Insurance Quotes in Champion, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$291	$49
Auto-Owners Insurance Co	$447	$74
American National	$564	$95
Farmers Mutual of Nebraska	$608	$102
Shelter	$621	$106
IMT Insurance Company	$634	$106
Auto-Owners	$887	$149
USAA	$978	$165
Farmers	$1036	$177
Progressive	$1068	$180
State Farm	$1159	$195
North Star Mutual	$1372	$229
Allstate	$1612	$271
Farm Bureau	$1949	$325
Nationwide	$1969	$335
American Family	$1101	$183

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Average Car Insurance in Champion 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 Champion, NE increasing?

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

Car Insurance Premiums by Age in Champion

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	$774
30s	USAA	$600
40s	USAA	$534
50s	USAA	$510
60s	USAA	$510
70s	USAA	$594

Cheapest Car Insurance Rates for Teen Drivers in Champion,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 Champion at $21 per month. At $2629 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	$123	$21
Farmers	$201	$34
North Star Mutual Insurance	$271	$46
Iowa Farm Bureau	$291	$49
Auto-Owners Insurance Co	$298	$50
Farmers Mutual of Nebraska	$991	$167
American National	$1243	$211
USAA	$1489	$251
Auto-Owners	$2240	$377
State Farm	$2376	$400
Progressive	$2422	$408
Allstate	$3535	$595
Farm Bureau	$4261	$725
Nationwide	$6695	$1116
American Family	$2629	$447

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 Champion.

As young drivers face the highest rates in Champion, Farm Bureau Mutual offers the cheapest auto insurance rates at $774 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 Champion, American National P&C is the cheapest car insurance provider. At $363 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 Champion is American Family, offering rates of around $1885 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$363	$60
IMT Insurance Company	$408	$70
Shelter	$434	$72
Iowa Farm Bureau	$505	$86
Farmers Mutual of Nebraska	$674	$113
Progressive	$1121	$189
USAA	$1398	$233
Auto-Owners	$2493	$424
Allstate	$2506	$417
Nationwide	$2758	$469
Farm Bureau	$3632	$605
State Farm	$5847	$994
American Family	$1885	$314

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Car Insurance Rates with An Accident in Champion

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

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

The cheapest car insurance companies after an at-fault accident in Champion include American National P&C and Farmers, offering $149 and $240, respectively. American Family is an expensive provider with an average six-month premium of $1321.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$149	$25
Farmers	$240	$40
Auto-Owners Insurance Co	$246	$41
North Star Mutual	$350	$60
Iowa Farm Bureau	$401	$66
North Star Mutual Insurance	$467	$80
American National	$634	$106
Farmers Mutual of Nebraska	$641	$108
Auto-Owners	$744	$125
USAA	$744	$125
State Farm	$790	$133
Progressive	$1062	$179
Allstate	$2402	$404
Farm Bureau	$3101	$528
Nationwide	$3192	$532
American Family	$1321	$220

Champion Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Champion NE. For example, the car insurance in Champion after a DUI increases to $1042 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Champion auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1107	$184
One Med/PIP claim	$1107	$189
Not-at-fault accident	$1204	$201
Driving without lights	$1231	$209
Failure to show documents	$1231	$205
Driving with expired registration	$1243	$211
Failure to wear a seat belt	$1243	$207
Two Med/PIP claims	$1249	$213
Cell phone violation	$1256	$209
One comp claim	$1256	$214
Texting while driving	$1256	$209
Failure to yield	$1275	$217
Child safety restraint	$1282	$214
Driving too slowly	$1282	$218
Speeding in school zone	$1295	$216
Failure to stop at a red light	$1301	$221
Illegal turn	$1315	$219
Passing school bus	$1315	$223
Speeding 6 - 10 MPH over limit	$1315	$219
Following too closely	$1321	$225
Improper passing	$1334	$222
Speeding 11 - 15 MPH over limit	$1347	$229
Speeding 16 - 20 MPH over limit	$1366	$228
Wrong way/wrong lane	$1392	$237
Speeding 21 - 25 MPH over limit	$1405	$234
Operating a vehicle without permission	$1476	$251
In 65 MPH zone	$1495	$250
Two comp claims	$1509	$256
Open container	$1548	$258
At-fault accident - less than $1000	$1586	$269
At-fault accident - $1000-$2000	$1729	$288
At-fault accident - greater than $2000	$1729	$294
Reckless driving	$1962	$327
Driving with a suspended license	$2026	$344
Refusal to submit to a chemical test	$2092	$349
DUI	$2149	$365
Leaving scene of an accident/hit and run	$2182	$364
Racing	$2189	$372

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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 Champion 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 Champion.

The cheapest car insurance premiums in Champion are offered by American National P&C at $168 for a six-month policy. However, it can be as expensive as $1101 with companies like American Family.

Champion car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$168	$28
Farmers	$395	$65
IMT Insurance Company	$486	$83
Auto-Owners Insurance Co	$524	$87
Iowa Farm Bureau	$531	$90
Shelter	$590	$98
American National	$680	$116
Progressive	$841	$142
Farmers Mutual of Nebraska	$1010	$170
USAA	$1321	$222
State Farm	$1347	$227
Auto-Owners	$1379	$232
Farm Bureau	$1398	$235
Allstate	$2013	$339
Nationwide	$4371	$743
American Family	$1101	$187

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 Champion are offered by American National P&C at $130. However, it can be as expensive as $1218 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Champion after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$130	$22
Auto-Owners Insurance Co	$278	$47
IMT Insurance Company	$324	$56
Iowa Farm Bureau	$330	$55
Farmers Mutual of Nebraska	$524	$88
State Farm	$738	$124
Auto-Owners	$841	$143
Progressive	$991	$167
USAA	$1017	$173
Allstate	$1787	$298
Farm Bureau	$2337	$398
Nationwide	$2636	$439
American Family	$1218	$207

Car Insurance Price Trends in Champion, Nebraska

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

The average cost of full coverage in the Champion rose by $204 in December compared to $179 of November. In other words, there has been an increase by $25 when you compare December and November.

The average cost of liability insurance in the Champion rose to $41 in December, compared to $40 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 Champion?

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

What is the cheapest car insurance in Champion?

The cheapest car insurance in Champion is $49 per month for full coverage.

How much is car insurance in Champion for teenagers?

Car insurance for teenagers costs $123 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 Champion?

The average cost of car insurance is $934 for a six-month policy. It will cost around $171 per month to insure your car in Champion.

Is car insurance expensive in Champion?

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

What is the best car insurance in Champion, NE?

The best car insurance company in Champion NE is American National P&C, offering $291 for a six-month policy.