Cheapest Car Insurance Quotes in McCool Junction

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McCool Junction Car Insurance

^$ 15

/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 McCool Junction

The car insurance rate in McCool Junction is $859 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $246, making it a popular choice for budget-conscious drivers. Rates in McCool Junction 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 McCool Junction

$859

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in McCool Junction

1st place: American National P&C

At $246 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 $377 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 $476 for six months, making it the third cheapest auto insurance company in McCool Junction.

McCool Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McCool Junction, NE is American National P&C, offering policies at just $246 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $377.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $929 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McCool Junction drivers find the best deals.

Cheap Car Insurance Companies in McCool Junction, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$246	$41
Auto-Owners Insurance Co	$377	$63
American National	$476	$80
Farmers Mutual of Nebraska	$513	$86
Shelter	$524	$89
IMT Insurance Company	$535	$89
Auto-Owners	$749	$126
USAA	$825	$139
Farmers	$874	$149
Progressive	$902	$152
State Farm	$978	$165
North Star Mutual	$1158	$193
Allstate	$1361	$229
Farm Bureau	$1645	$274
Nationwide	$1662	$282
American Family	$929	$155

Key Takeaways

Way's key takeaways about car insurance in McCool Junction

The auto insurance costs in McCool Junction fall around $246 for six months.
The cheapest auto insurance company in McCool Junction is American National P&C.
Teen drivers pay the highest rate in McCool Junction at $377 per month.

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Cheapest Minimum Liability Car Insurance in McCool Junction

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 McCool Junction are given below.

American National P&C provides the cheapest minimum car insurance coverage in McCool Junction. Their Average 6 Month Premium is $87. North Star Mutual Insurance is the most expensive at $147 for the same period.

Cheapest Liability Coverage in McCool Junction, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$87	$15
American National	$93	$16
Farmers Mutual of Nebraska	$137	$23
North Star Mutual	$169	$29
Auto-Owners Insurance Co	$180	$30
Farmers	$186	$31
IMT Insurance	$191	$32
Progressive	$191	$32
USAA	$191	$32
Auto-Owners	$202	$34
Iowa Farm Bureau	$219	$37
Shelter	$224	$38
State Farm	$224	$38
Farm Bureau	$312	$53
Allstate	$431	$73
Nationwide	$558	$95
American Family	$268	$45
North Star Mutual Insurance	$147	$25

Cheapest Full Coverage Car Insurance in McCool Junction

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 McCool Junction is American National P&C at $41 per month and $246 for six months.

Cheapest Full Coverage Car Insurance Quotes in McCool Junction, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$246	$41
Auto-Owners Insurance Co	$377	$63
American National	$476	$80
Farmers Mutual of Nebraska	$513	$86
Shelter	$524	$89
IMT Insurance Company	$535	$89
Auto-Owners	$749	$126
USAA	$825	$139
Farmers	$874	$149
Progressive	$902	$152
State Farm	$978	$165
North Star Mutual	$1158	$193
Allstate	$1361	$229
Farm Bureau	$1645	$274
Nationwide	$1662	$282
American Family	$929	$155

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Average Car Insurance in McCool Junction 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 McCool Junction, NE increasing?

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

Car Insurance Premiums by Age in McCool Junction

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	$653
30s	USAA	$506
40s	USAA	$451
50s	USAA	$431
60s	USAA	$431
70s	USAA	$501

Cheapest Car Insurance Rates for Teen Drivers in McCool Junction,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 McCool Junction at $17 per month. At $2219 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	$104	$17
Farmers	$169	$29
North Star Mutual Insurance	$229	$39
Iowa Farm Bureau	$246	$41
Auto-Owners Insurance Co	$251	$42
Farmers Mutual of Nebraska	$836	$141
American National	$1049	$178
USAA	$1257	$212
Auto-Owners	$1891	$318
State Farm	$2006	$338
Progressive	$2044	$344
Allstate	$2984	$502
Farm Bureau	$3596	$612
Nationwide	$5651	$942
American Family	$2219	$377

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 McCool Junction.

As young drivers face the highest rates in McCool Junction, Farm Bureau Mutual offers the cheapest auto insurance rates at $653 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 McCool Junction, American National P&C is the cheapest car insurance provider. At $306 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 McCool Junction is American Family, offering rates of around $1591 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$306	$51
IMT Insurance Company	$344	$59
Shelter	$366	$61
Iowa Farm Bureau	$426	$73
Farmers Mutual of Nebraska	$569	$96
Progressive	$946	$159
USAA	$1180	$197
Auto-Owners	$2104	$358
Allstate	$2115	$352
Nationwide	$2328	$396
Farm Bureau	$3065	$511
State Farm	$4935	$839
American Family	$1591	$265

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Car Insurance Rates with An Accident in McCool Junction

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

Cheapest Car Insurance Companies after an At-Fault Accident in McCool Junction

The cheapest car insurance companies after an at-fault accident in McCool Junction include American National P&C and Farmers, offering $126 and $202, respectively. American Family is an expensive provider with an average six-month premium of $1115.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$126	$21
Farmers	$202	$34
Auto-Owners Insurance Co	$208	$35
North Star Mutual	$295	$51
Iowa Farm Bureau	$339	$56
North Star Mutual Insurance	$394	$67
American National	$535	$89
Farmers Mutual of Nebraska	$541	$91
Auto-Owners	$628	$106
USAA	$628	$106
State Farm	$667	$112
Progressive	$896	$151
Allstate	$2028	$341
Farm Bureau	$2617	$445
Nationwide	$2694	$449
American Family	$1115	$186

McCool Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McCool Junction NE. For example, the car insurance in McCool Junction after a DUI increases to $879 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

McCool Junction auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$155
One Med/PIP claim	$935	$159
Not-at-fault accident	$1017	$169
Driving without lights	$1039	$177
Failure to show documents	$1039	$173
Driving with expired registration	$1049	$178
Failure to wear a seat belt	$1049	$175
Two Med/PIP claims	$1054	$179
Cell phone violation	$1060	$177
One comp claim	$1060	$180
Texting while driving	$1060	$177
Failure to yield	$1076	$183
Child safety restraint	$1082	$180
Driving too slowly	$1082	$184
Speeding in school zone	$1093	$182
Failure to stop at a red light	$1098	$187
Illegal turn	$1110	$185
Passing school bus	$1110	$189
Speeding 6 - 10 MPH over limit	$1110	$185
Following too closely	$1115	$190
Improper passing	$1126	$188
Speeding 11 - 15 MPH over limit	$1137	$193
Speeding 16 - 20 MPH over limit	$1153	$192
Wrong way/wrong lane	$1175	$200
Speeding 21 - 25 MPH over limit	$1186	$198
Operating a vehicle without permission	$1246	$212
In 65 MPH zone	$1262	$211
Two comp claims	$1273	$216
Open container	$1306	$218
At-fault accident - less than $1000	$1339	$227
At-fault accident - $1000-$2000	$1459	$243
At-fault accident - greater than $2000	$1459	$248
Reckless driving	$1656	$276
Driving with a suspended license	$1710	$291
Refusal to submit to a chemical test	$1765	$294
DUI	$1814	$308
Leaving scene of an accident/hit and run	$1842	$307
Racing	$1847	$314

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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 McCool Junction 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 McCool Junction.

The cheapest car insurance premiums in McCool Junction are offered by American National P&C at $142 for a six-month policy. However, it can be as expensive as $929 with companies like American Family.

McCool Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$142	$24
Farmers	$333	$55
IMT Insurance Company	$410	$70
Auto-Owners Insurance Co	$443	$74
Iowa Farm Bureau	$448	$76
Shelter	$498	$83
American National	$574	$98
Progressive	$710	$120
Farmers Mutual of Nebraska	$853	$144
USAA	$1115	$188
State Farm	$1137	$191
Auto-Owners	$1164	$196
Farm Bureau	$1180	$199
Allstate	$1699	$286
Nationwide	$3689	$627
American Family	$929	$158

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 McCool Junction are offered by American National P&C at $109. However, it can be as expensive as $1028 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in McCool Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$109	$18
Auto-Owners Insurance Co	$235	$40
IMT Insurance Company	$273	$47
Iowa Farm Bureau	$279	$46
Farmers Mutual of Nebraska	$443	$75
State Farm	$623	$105
Auto-Owners	$710	$121
Progressive	$836	$141
USAA	$858	$146
Allstate	$1508	$251
Farm Bureau	$1972	$336
Nationwide	$2225	$371
American Family	$1028	$175

Car Insurance Price Trends in McCool Junction, Nebraska

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

The average cost of full coverage in the McCool Junction rose by $172 in December compared to $151 of November. In other words, there has been an increase by $21 when you compare December and November.

The average cost of liability insurance in the McCool Junction rose to $35 in December, compared to $34 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 McCool Junction?

The car insurance in McCool Junction is $15 per month, which is lower than the national average.

What is the cheapest car insurance in McCool Junction?

The cheapest car insurance in McCool Junction is $41 per month for full coverage.

How much is car insurance in McCool Junction for teenagers?

Car insurance for teenagers costs $104 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 McCool Junction?

The average cost of car insurance is $934 for a six-month policy. It will cost around $144 per month to insure your car in McCool Junction.

Is car insurance expensive in McCool Junction?

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

What is the best car insurance in McCool Junction, NE?

The best car insurance company in McCool Junction NE is American National P&C, offering $246 for a six-month policy.