Cheapest Car Insurance Quotes in Enders

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Enders Car Insurance

^$ 18

/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 Enders

The car insurance rate in Enders is $1046 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $299, making it a popular choice for budget-conscious drivers. Rates in Enders 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 Enders

$1046

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Enders

1st place: American National P&C

At $299 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 $459 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 $579 for six months, making it the third cheapest auto insurance company in Enders.

Enders Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Enders, NE is American National P&C, offering policies at just $299 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $459.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1131 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Enders drivers find the best deals.

Cheap Car Insurance Companies in Enders, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$299	$50
Auto-Owners Insurance Co	$459	$76
American National	$579	$97
Farmers Mutual of Nebraska	$625	$105
Shelter	$638	$109
IMT Insurance Company	$652	$109
Auto-Owners	$912	$153
USAA	$1005	$169
Farmers	$1064	$181
Progressive	$1098	$185
State Farm	$1191	$200
North Star Mutual	$1410	$235
Allstate	$1656	$279
Farm Bureau	$2003	$334
Nationwide	$2023	$344
American Family	$1131	$188

Key Takeaways

Way's key takeaways about car insurance in Enders

The auto insurance costs in Enders fall around $299 for six months.
The cheapest auto insurance company in Enders is American National P&C.
Teen drivers pay the highest rate in Enders at $459 per month.

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Cheapest Minimum Liability Car Insurance in Enders

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 Enders are given below.

American National P&C provides the cheapest minimum car insurance coverage in Enders. Their Average 6 Month Premium is $106. North Star Mutual Insurance is the most expensive at $179 for the same period.

Cheapest Liability Coverage in Enders, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$106	$18
American National	$113	$19
Farmers Mutual of Nebraska	$167	$28
North Star Mutual	$206	$35
Auto-Owners Insurance Co	$220	$37
Farmers	$226	$38
IMT Insurance	$233	$39
Progressive	$233	$39
USAA	$233	$39
Auto-Owners	$246	$41
Iowa Farm Bureau	$267	$45
Shelter	$273	$46
State Farm	$273	$46
Farm Bureau	$380	$65
Allstate	$525	$88
Nationwide	$679	$115
American Family	$326	$55
North Star Mutual Insurance	$179	$30

Cheapest Full Coverage Car Insurance in Enders

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 Enders is American National P&C at $50 per month and $299 for six months.

Cheapest Full Coverage Car Insurance Quotes in Enders, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$299	$50
Auto-Owners Insurance Co	$459	$76
American National	$579	$97
Farmers Mutual of Nebraska	$625	$105
Shelter	$638	$109
IMT Insurance Company	$652	$109
Auto-Owners	$912	$153
USAA	$1005	$169
Farmers	$1064	$181
Progressive	$1098	$185
State Farm	$1191	$200
North Star Mutual	$1410	$235
Allstate	$1656	$279
Farm Bureau	$2003	$334
Nationwide	$2023	$344
American Family	$1131	$188

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Average Car Insurance in Enders 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 Enders, NE increasing?

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

Car Insurance Premiums by Age in Enders

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	$795
30s	USAA	$616
40s	USAA	$549
50s	USAA	$524
60s	USAA	$524
70s	USAA	$610

Cheapest Car Insurance Rates for Teen Drivers in Enders,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 Enders at $21 per month. At $2701 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	$127	$21
Farmers	$206	$35
North Star Mutual Insurance	$279	$47
Iowa Farm Bureau	$299	$50
Auto-Owners Insurance Co	$306	$52
Farmers Mutual of Nebraska	$1018	$171
American National	$1277	$217
USAA	$1530	$258
Auto-Owners	$2302	$388
State Farm	$2442	$411
Progressive	$2489	$419
Allstate	$3632	$612
Farm Bureau	$4378	$745
Nationwide	$6879	$1147
American Family	$2701	$459

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 Enders.

As young drivers face the highest rates in Enders, Farm Bureau Mutual offers the cheapest auto insurance rates at $795 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 Enders, American National P&C is the cheapest car insurance provider. At $373 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 Enders is American Family, offering rates of around $1936 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$373	$62
IMT Insurance Company	$419	$72
Shelter	$446	$74
Iowa Farm Bureau	$519	$88
Farmers Mutual of Nebraska	$692	$116
Progressive	$1151	$194
USAA	$1437	$240
Auto-Owners	$2561	$436
Allstate	$2575	$429
Nationwide	$2834	$482
Farm Bureau	$3732	$622
State Farm	$6008	$1021
American Family	$1936	$323

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Car Insurance Rates with An Accident in Enders

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

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

The cheapest car insurance companies after an at-fault accident in Enders include American National P&C and Farmers, offering $153 and $246, respectively. American Family is an expensive provider with an average six-month premium of $1357.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$153	$26
Farmers	$246	$41
Auto-Owners Insurance Co	$253	$43
North Star Mutual	$360	$62
Iowa Farm Bureau	$412	$68
North Star Mutual Insurance	$479	$82
American National	$652	$109
Farmers Mutual of Nebraska	$659	$111
Auto-Owners	$765	$129
USAA	$765	$129
State Farm	$812	$137
Progressive	$1091	$184
Allstate	$2468	$416
Farm Bureau	$3186	$542
Nationwide	$3279	$547
American Family	$1357	$226

Enders Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Enders NE. For example, the car insurance in Enders after a DUI increases to $1071 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Enders auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1138	$189
One Med/PIP claim	$1138	$194
Not-at-fault accident	$1238	$206
Driving without lights	$1264	$215
Failure to show documents	$1264	$211
Driving with expired registration	$1277	$217
Failure to wear a seat belt	$1277	$213
Two Med/PIP claims	$1284	$218
Cell phone violation	$1290	$215
One comp claim	$1290	$220
Texting while driving	$1290	$215
Failure to yield	$1310	$223
Child safety restraint	$1317	$220
Driving too slowly	$1317	$224
Speeding in school zone	$1331	$222
Failure to stop at a red light	$1337	$227
Illegal turn	$1351	$225
Passing school bus	$1351	$230
Speeding 6 - 10 MPH over limit	$1351	$225
Following too closely	$1357	$231
Improper passing	$1371	$228
Speeding 11 - 15 MPH over limit	$1384	$235
Speeding 16 - 20 MPH over limit	$1403	$234
Wrong way/wrong lane	$1430	$243
Speeding 21 - 25 MPH over limit	$1444	$241
Operating a vehicle without permission	$1516	$258
In 65 MPH zone	$1537	$256
Two comp claims	$1550	$263
Open container	$1590	$265
At-fault accident - less than $1000	$1630	$277
At-fault accident - $1000-$2000	$1776	$296
At-fault accident - greater than $2000	$1776	$302
Reckless driving	$2016	$336
Driving with a suspended license	$2082	$354
Refusal to submit to a chemical test	$2149	$358
DUI	$2209	$375
Leaving scene of an accident/hit and run	$2242	$374
Racing	$2249	$382

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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 Enders 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 Enders.

The cheapest car insurance premiums in Enders are offered by American National P&C at $172 for a six-month policy. However, it can be as expensive as $1131 with companies like American Family.

Enders car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$172	$29
Farmers	$405	$67
IMT Insurance Company	$500	$85
Auto-Owners Insurance Co	$539	$90
Iowa Farm Bureau	$545	$93
Shelter	$606	$101
American National	$699	$119
Progressive	$865	$146
Farmers Mutual of Nebraska	$1038	$175
USAA	$1357	$228
State Farm	$1384	$233
Auto-Owners	$1417	$239
Farm Bureau	$1437	$242
Allstate	$2069	$348
Nationwide	$4491	$764
American Family	$1131	$193

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 Enders are offered by American National P&C at $133. However, it can be as expensive as $1251 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Enders after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$133	$22
Auto-Owners Insurance Co	$286	$48
IMT Insurance Company	$333	$57
Iowa Farm Bureau	$339	$56
Farmers Mutual of Nebraska	$539	$91
State Farm	$758	$128
Auto-Owners	$865	$147
Progressive	$1018	$171
USAA	$1045	$178
Allstate	$1836	$306
Farm Bureau	$2401	$409
Nationwide	$2708	$451
American Family	$1251	$213

Car Insurance Price Trends in Enders, Nebraska

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

The average cost of full coverage in the Enders rose by $209 in December compared to $184 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 Enders rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Enders?

The car insurance in Enders is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Enders?

The cheapest car insurance in Enders is $50 per month for full coverage.

How much is car insurance in Enders for teenagers?

Car insurance for teenagers costs $127 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 Enders?

The average cost of car insurance is $934 for a six-month policy. It will cost around $176 per month to insure your car in Enders.

Is car insurance expensive in Enders?

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

What is the best car insurance in Enders, NE?

The best car insurance company in Enders NE is American National P&C, offering $299 for a six-month policy.