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Merna Car Insurance
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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.
The car insurance rate in Merna is $981 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $280, making it a popular choice for budget-conscious drivers. Rates in Merna 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.
At $280 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $431 for a six-month policy, making it one of the cheapest to insure with.
American National offers auto insurance rates at $543 for six months, making it the third cheapest auto insurance company in Merna.
Based on our research, the cheapest car insurance company in Merna, NE is American National P&C, offering policies at just $280 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $431.
At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merna drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $280 | $47 |
| Auto-Owners Insurance Co | $431 | $71 |
| American National | $543 | $91 |
| Farmers Mutual of Nebraska | $586 | $99 |
| Shelter | $599 | $102 |
| IMT Insurance Company | $611 | $102 |
| Auto-Owners | $855 | $144 |
| USAA | $942 | $159 |
| Farmers | $998 | $170 |
| Progressive | $1029 | $173 |
| State Farm | $1116 | $188 |
| North Star Mutual | $1322 | $221 |
| Allstate | $1553 | $261 |
| Farm Bureau | $1877 | $313 |
| Nationwide | $1896 | $322 |
| American Family | $1061 | $176 |
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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 Merna are given below.
American National P&C provides the cheapest minimum car insurance coverage in Merna. Their Average 6 Month Premium is $100. North Star Mutual Insurance is the most expensive at $168 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $100 | $17 |
| American National | $106 | $18 |
| Farmers Mutual of Nebraska | $156 | $26 |
| North Star Mutual | $193 | $33 |
| Auto-Owners Insurance Co | $206 | $35 |
| Farmers | $212 | $36 |
| IMT Insurance | $218 | $37 |
| Progressive | $218 | $37 |
| USAA | $218 | $37 |
| Auto-Owners | $231 | $39 |
| Iowa Farm Bureau | $250 | $42 |
| Shelter | $256 | $43 |
| State Farm | $256 | $43 |
| Farm Bureau | $356 | $61 |
| Allstate | $492 | $83 |
| Nationwide | $636 | $108 |
| American Family | $306 | $51 |
| North Star Mutual Insurance | $168 | $28 |
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 Merna is American National P&C at $47 per month and $280 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $280 | $47 |
| Auto-Owners Insurance Co | $431 | $71 |
| American National | $543 | $91 |
| Farmers Mutual of Nebraska | $586 | $99 |
| Shelter | $599 | $102 |
| IMT Insurance Company | $611 | $102 |
| Auto-Owners | $855 | $144 |
| USAA | $942 | $159 |
| Farmers | $998 | $170 |
| Progressive | $1029 | $173 |
| State Farm | $1116 | $188 |
| North Star Mutual | $1322 | $221 |
| Allstate | $1553 | $261 |
| Farm Bureau | $1877 | $313 |
| Nationwide | $1896 | $322 |
| American Family | $1061 | $176 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Merna, 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, Merna's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Farm Bureau Mutual | $746 |
| 30s | USAA | $578 |
| 40s | USAA | $515 |
| 50s | USAA | $491 |
| 60s | USAA | $491 |
| 70s | USAA | $572 |
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 Merna at $20 per month. At $2533 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 | $119 | $20 |
| Farmers | $193 | $33 |
| North Star Mutual Insurance | $261 | $44 |
| Iowa Farm Bureau | $280 | $47 |
| Auto-Owners Insurance Co | $287 | $48 |
| Farmers Mutual of Nebraska | $954 | $161 |
| American National | $1197 | $204 |
| USAA | $1434 | $242 |
| Auto-Owners | $2158 | $363 |
| State Farm | $2289 | $385 |
| Progressive | $2333 | $393 |
| Allstate | $3405 | $573 |
| Farm Bureau | $4104 | $698 |
| Nationwide | $6449 | $1075 |
| American Family | $2533 | $431 |
Teen Car Insurance Rates in NE by Age
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.
For those with poor credit scores in Merna, American National P&C is the cheapest car insurance provider. At $350 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 Merna is American Family, offering rates of around $1815 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $350 | $58 |
| IMT Insurance Company | $393 | $67 |
| Shelter | $418 | $69 |
| Iowa Farm Bureau | $486 | $83 |
| Farmers Mutual of Nebraska | $649 | $109 |
| Progressive | $1079 | $182 |
| USAA | $1347 | $225 |
| Auto-Owners | $2401 | $408 |
| Allstate | $2414 | $402 |
| Nationwide | $2657 | $452 |
| Farm Bureau | $3499 | $583 |
| State Farm | $5632 | $958 |
| American Family | $1815 | $302 |
Save up to $971/yr on car insurance rates in Merna.
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 Merna, NE, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Merna include American National P&C and Farmers, offering $144 and $231, respectively. American Family is an expensive provider with an average six-month premium of $1273.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $144 | $24 |
| Farmers | $231 | $39 |
| Auto-Owners Insurance Co | $237 | $40 |
| North Star Mutual | $337 | $58 |
| Iowa Farm Bureau | $386 | $64 |
| North Star Mutual Insurance | $449 | $77 |
| American National | $611 | $102 |
| Farmers Mutual of Nebraska | $617 | $104 |
| Auto-Owners | $717 | $121 |
| USAA | $717 | $121 |
| State Farm | $761 | $128 |
| Progressive | $1023 | $172 |
| Allstate | $2314 | $390 |
| Farm Bureau | $2987 | $508 |
| Nationwide | $3074 | $512 |
| American Family | $1273 | $212 |
Here is a list of driving violations that can increase your car insurance rates in Merna NE. For example, the car insurance in Merna after a DUI increases to $1004 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1067 | $177 |
| One Med/PIP claim | $1067 | $182 |
| Not-at-fault accident | $1160 | $193 |
| Driving without lights | $1185 | $202 |
| Failure to show documents | $1185 | $197 |
| Driving with expired registration | $1197 | $204 |
| Failure to wear a seat belt | $1197 | $200 |
| Two Med/PIP claims | $1203 | $205 |
| Cell phone violation | $1210 | $202 |
| One comp claim | $1210 | $206 |
| Texting while driving | $1210 | $202 |
| Failure to yield | $1229 | $209 |
| Child safety restraint | $1235 | $206 |
| Driving too slowly | $1235 | $210 |
| Speeding in school zone | $1247 | $208 |
| Failure to stop at a red light | $1254 | $213 |
| Illegal turn | $1266 | $211 |
| Passing school bus | $1266 | $215 |
| Speeding 6 - 10 MPH over limit | $1266 | $211 |
| Following too closely | $1273 | $216 |
| Improper passing | $1285 | $214 |
| Speeding 11 - 15 MPH over limit | $1298 | $221 |
| Speeding 16 - 20 MPH over limit | $1316 | $219 |
| Wrong way/wrong lane | $1341 | $228 |
| Speeding 21 - 25 MPH over limit | $1353 | $226 |
| Operating a vehicle without permission | $1422 | $242 |
| In 65 MPH zone | $1441 | $240 |
| Two comp claims | $1453 | $247 |
| Open container | $1491 | $249 |
| At-fault accident - less than $1000 | $1528 | $259 |
| At-fault accident - $1000-$2000 | $1665 | $277 |
| At-fault accident - greater than $2000 | $1665 | $284 |
| Reckless driving | $1890 | $315 |
| Driving with a suspended license | $1952 | $332 |
| Refusal to submit to a chemical test | $2015 | $336 |
| DUI | $2071 | $352 |
| Leaving scene of an accident/hit and run | $2102 | $351 |
| Racing | $2108 | $358 |
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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.
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 Merna.
The cheapest car insurance premiums in Merna are offered by American National P&C at $162 for a six-month policy. However, it can be as expensive as $1061 with companies like American Family.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $162 | $27 |
| Farmers | $380 | $63 |
| IMT Insurance Company | $468 | $80 |
| Auto-Owners Insurance Co | $505 | $84 |
| Iowa Farm Bureau | $511 | $87 |
| Shelter | $568 | $95 |
| American National | $655 | $111 |
| Progressive | $811 | $137 |
| Farmers Mutual of Nebraska | $973 | $164 |
| USAA | $1273 | $214 |
| State Farm | $1298 | $218 |
| Auto-Owners | $1328 | $224 |
| Farm Bureau | $1347 | $227 |
| Allstate | $1939 | $327 |
| Nationwide | $4211 | $716 |
| American Family | $1061 | $181 |
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 Merna are offered by American National P&C at $125. However, it can be as expensive as $1173 with companies like American Family for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $125 | $21 |
| Auto-Owners Insurance Co | $268 | $45 |
| IMT Insurance Company | $312 | $54 |
| Iowa Farm Bureau | $318 | $53 |
| Farmers Mutual of Nebraska | $505 | $85 |
| State Farm | $711 | $120 |
| Auto-Owners | $811 | $138 |
| Progressive | $954 | $161 |
| USAA | $980 | $167 |
| Allstate | $1721 | $287 |
| Farm Bureau | $2251 | $383 |
| Nationwide | $2539 | $423 |
| American Family | $1173 | $200 |
Car insurance rates in Merna have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Merna rose by $196 in December compared to $172 of November. In other words, there has been an increase by $24 when you compare December and November.
The average cost of liability insurance in the Merna rose to $40 in December, compared to $39 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Merna?
The car insurance in Merna is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Merna?
The cheapest car insurance in Merna is $47 per month for full coverage.
How much is car insurance in Merna for teenagers?
Car insurance for teenagers costs $119 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 Merna?
The average cost of car insurance is $934 for a six-month policy. It will cost around $165 per month to insure your car in Merna.
Is car insurance expensive in Merna?
Car insurance can be expensive in Merna if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Merna can be affordable.
What is the best car insurance in Merna, NE?
The best car insurance company in Merna NE is American National P&C, offering $280 for a six-month policy.
Cut auto insurance costs in Merna right now.