Cheapest Car Insurance Quotes in Meadow Grove

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Meadow Grove 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 Meadow Grove

The car insurance rate in Meadow Grove is $906 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in Meadow Grove 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 Meadow Grove

$906

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Meadow Grove

1st place: American National P&C

At $259 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 $398 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 $501 for six months, making it the third cheapest auto insurance company in Meadow Grove.

Meadow Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Meadow Grove, NE is American National P&C, offering policies at just $259 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $398.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $980 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Meadow Grove drivers find the best deals.

Cheap Car Insurance Companies in Meadow Grove, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$259	$44
Auto-Owners Insurance Co	$398	$66
American National	$501	$84
Farmers Mutual of Nebraska	$541	$91
Shelter	$553	$94
IMT Insurance Company	$565	$94
Auto-Owners	$790	$133
USAA	$870	$146
Farmers	$922	$157
Progressive	$951	$160
State Farm	$1031	$174
North Star Mutual	$1221	$204
Allstate	$1435	$242
Farm Bureau	$1734	$289
Nationwide	$1752	$298
American Family	$980	$163

Key Takeaways

Way's key takeaways about car insurance in Meadow Grove

The auto insurance costs in Meadow Grove fall around $259 for six months.
The cheapest auto insurance company in Meadow Grove is American National P&C.
Teen drivers pay the highest rate in Meadow Grove at $398 per month.

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Cheapest Minimum Liability Car Insurance in Meadow Grove

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 Meadow Grove are given below.

American National P&C provides the cheapest minimum car insurance coverage in Meadow Grove. Their Average 6 Month Premium is $92. North Star Mutual Insurance is the most expensive at $155 for the same period.

Cheapest Liability Coverage in Meadow Grove, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$92	$16
American National	$98	$16
Farmers Mutual of Nebraska	$145	$24
North Star Mutual	$178	$30
Auto-Owners Insurance Co	$190	$32
Farmers	$196	$33
IMT Insurance	$202	$34
Progressive	$202	$34
USAA	$202	$34
Auto-Owners	$213	$36
Iowa Farm Bureau	$231	$39
Shelter	$237	$40
State Farm	$237	$40
Farm Bureau	$329	$56
Allstate	$455	$77
Nationwide	$588	$100
American Family	$282	$48
North Star Mutual Insurance	$155	$26

Cheapest Full Coverage Car Insurance in Meadow Grove

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 Meadow Grove is American National P&C at $44 per month and $259 for six months.

Cheapest Full Coverage Car Insurance Quotes in Meadow Grove, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$259	$44
Auto-Owners Insurance Co	$398	$66
American National	$501	$84
Farmers Mutual of Nebraska	$541	$91
Shelter	$553	$94
IMT Insurance Company	$565	$94
Auto-Owners	$790	$133
USAA	$870	$146
Farmers	$922	$157
Progressive	$951	$160
State Farm	$1031	$174
North Star Mutual	$1221	$204
Allstate	$1435	$242
Farm Bureau	$1734	$289
Nationwide	$1752	$298
American Family	$980	$163

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Average Car Insurance in Meadow Grove 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 Meadow Grove, NE increasing?

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

Car Insurance Premiums by Age in Meadow Grove

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	$689
30s	USAA	$534
40s	USAA	$475
50s	USAA	$454
60s	USAA	$454
70s	USAA	$529

Cheapest Car Insurance Rates for Teen Drivers in Meadow Grove,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 Meadow Grove at $18 per month. At $2340 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	$110	$18
Farmers	$178	$30
North Star Mutual Insurance	$242	$41
Iowa Farm Bureau	$259	$44
Auto-Owners Insurance Co	$265	$45
Farmers Mutual of Nebraska	$882	$148
American National	$1106	$188
USAA	$1325	$223
Auto-Owners	$1993	$336
State Farm	$2115	$356
Progressive	$2155	$363
Allstate	$3146	$530
Farm Bureau	$3792	$645
Nationwide	$5958	$993
American Family	$2340	$398

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 Meadow Grove.

As young drivers face the highest rates in Meadow Grove, Farm Bureau Mutual offers the cheapest auto insurance rates at $689 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 Meadow Grove, American National P&C is the cheapest car insurance provider. At $323 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 Meadow Grove is American Family, offering rates of around $1677 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$323	$53
IMT Insurance Company	$363	$62
Shelter	$386	$64
Iowa Farm Bureau	$449	$77
Farmers Mutual of Nebraska	$599	$101
Progressive	$997	$168
USAA	$1245	$208
Auto-Owners	$2218	$377
Allstate	$2230	$372
Nationwide	$2454	$417
Farm Bureau	$3232	$538
State Farm	$5203	$885
American Family	$1677	$279

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Car Insurance Rates with An Accident in Meadow Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Meadow Grove

The cheapest car insurance companies after an at-fault accident in Meadow Grove include American National P&C and Farmers, offering $133 and $213, respectively. American Family is an expensive provider with an average six-month premium of $1176.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$133	$22
Farmers	$213	$36
Auto-Owners Insurance Co	$219	$37
North Star Mutual	$311	$53
Iowa Farm Bureau	$357	$59
North Star Mutual Insurance	$415	$71
American National	$565	$94
Farmers Mutual of Nebraska	$570	$96
Auto-Owners	$663	$112
USAA	$663	$112
State Farm	$703	$118
Progressive	$945	$159
Allstate	$2138	$360
Farm Bureau	$2760	$469
Nationwide	$2840	$473
American Family	$1176	$196

Meadow Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Meadow Grove NE. For example, the car insurance in Meadow Grove after a DUI increases to $927 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Meadow Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$986	$164
One Med/PIP claim	$986	$168
Not-at-fault accident	$1072	$178
Driving without lights	$1095	$186
Failure to show documents	$1095	$182
Driving with expired registration	$1106	$188
Failure to wear a seat belt	$1106	$184
Two Med/PIP claims	$1112	$189
Cell phone violation	$1117	$186
One comp claim	$1117	$190
Texting while driving	$1117	$186
Failure to yield	$1135	$193
Child safety restraint	$1141	$190
Driving too slowly	$1141	$194
Speeding in school zone	$1152	$192
Failure to stop at a red light	$1158	$197
Illegal turn	$1170	$195
Passing school bus	$1170	$199
Speeding 6 - 10 MPH over limit	$1170	$195
Following too closely	$1176	$200
Improper passing	$1187	$198
Speeding 11 - 15 MPH over limit	$1199	$204
Speeding 16 - 20 MPH over limit	$1215	$203
Wrong way/wrong lane	$1239	$210
Speeding 21 - 25 MPH over limit	$1250	$209
Operating a vehicle without permission	$1313	$223
In 65 MPH zone	$1331	$222
Two comp claims	$1342	$228
Open container	$1377	$230
At-fault accident - less than $1000	$1411	$240
At-fault accident - $1000-$2000	$1538	$256
At-fault accident - greater than $2000	$1538	$262
Reckless driving	$1746	$291
Driving with a suspended license	$1803	$307
Refusal to submit to a chemical test	$1861	$310
DUI	$1913	$325
Leaving scene of an accident/hit and run	$1942	$324
Racing	$1948	$331

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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 Meadow Grove 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 Meadow Grove.

The cheapest car insurance premiums in Meadow Grove are offered by American National P&C at $149 for a six-month policy. However, it can be as expensive as $980 with companies like American Family.

Meadow Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$149	$25
Farmers	$351	$58
IMT Insurance Company	$433	$74
Auto-Owners Insurance Co	$467	$78
Iowa Farm Bureau	$472	$81
Shelter	$525	$87
American National	$605	$103
Progressive	$749	$126
Farmers Mutual of Nebraska	$899	$151
USAA	$1176	$198
State Farm	$1199	$202
Auto-Owners	$1227	$207
Farm Bureau	$1245	$210
Allstate	$1792	$302
Nationwide	$3890	$662
American Family	$980	$167

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 Meadow Grove are offered by American National P&C at $115. However, it can be as expensive as $1083 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Meadow Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$115	$19
Auto-Owners Insurance Co	$247	$42
IMT Insurance Company	$288	$49
Iowa Farm Bureau	$294	$49
Farmers Mutual of Nebraska	$467	$79
State Farm	$657	$111
Auto-Owners	$749	$127
Progressive	$882	$148
USAA	$905	$154
Allstate	$1590	$265
Farm Bureau	$2080	$354
Nationwide	$2345	$391
American Family	$1083	$184

Car Insurance Price Trends in Meadow Grove, Nebraska

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

The average cost of full coverage in the Meadow Grove rose by $181 in December compared to $159 of November. In other words, there has been an increase by $22 when you compare December and November.

The average cost of liability insurance in the Meadow Grove rose to $37 in December, compared to $36 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 Meadow Grove?

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

What is the cheapest car insurance in Meadow Grove?

The cheapest car insurance in Meadow Grove is $44 per month for full coverage.

How much is car insurance in Meadow Grove for teenagers?

Car insurance for teenagers costs $110 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 Meadow Grove?

The average cost of car insurance is $934 for a six-month policy. It will cost around $152 per month to insure your car in Meadow Grove.

Is car insurance expensive in Meadow Grove?

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

What is the best car insurance in Meadow Grove, NE?

The best car insurance company in Meadow Grove NE is American National P&C, offering $259 for a six-month policy.