Cheapest Car Insurance Quotes in Morse Bluff

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Morse Bluff 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 Morse Bluff

The car insurance rate in Morse Bluff is $915 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $262, making it a popular choice for budget-conscious drivers. Rates in Morse Bluff 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 Morse Bluff

$915

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Morse Bluff

1st place: American National P&C

At $262 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 $402 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 $507 for six months, making it the third cheapest auto insurance company in Morse Bluff.

Morse Bluff Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morse Bluff, NE is American National P&C, offering policies at just $262 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $402.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $990 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morse Bluff drivers find the best deals.

Cheap Car Insurance Companies in Morse Bluff, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$262	$44
Auto-Owners Insurance Co	$402	$67
American National	$507	$85
Farmers Mutual of Nebraska	$547	$92
Shelter	$559	$95
IMT Insurance Company	$570	$95
Auto-Owners	$798	$134
USAA	$879	$148
Farmers	$931	$159
Progressive	$960	$162
State Farm	$1042	$175
North Star Mutual	$1234	$206
Allstate	$1449	$244
Farm Bureau	$1752	$292
Nationwide	$1770	$301
American Family	$990	$165

Key Takeaways

Way's key takeaways about car insurance in Morse Bluff

The auto insurance costs in Morse Bluff fall around $262 for six months.
The cheapest auto insurance company in Morse Bluff is American National P&C.
Teen drivers pay the highest rate in Morse Bluff at $402 per month.

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Cheapest Minimum Liability Car Insurance in Morse Bluff

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 Morse Bluff are given below.

American National P&C provides the cheapest minimum car insurance coverage in Morse Bluff. Their Average 6 Month Premium is $93. North Star Mutual Insurance is the most expensive at $157 for the same period.

Cheapest Liability Coverage in Morse Bluff, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$93	$16
American National	$99	$17
Farmers Mutual of Nebraska	$146	$25
North Star Mutual	$180	$30
Auto-Owners Insurance Co	$192	$32
Farmers	$198	$33
IMT Insurance	$204	$34
Progressive	$204	$34
USAA	$204	$34
Auto-Owners	$216	$36
Iowa Farm Bureau	$233	$39
Shelter	$239	$40
State Farm	$239	$40
Farm Bureau	$332	$57
Allstate	$460	$77
Nationwide	$594	$101
American Family	$285	$48
North Star Mutual Insurance	$157	$26

Cheapest Full Coverage Car Insurance in Morse Bluff

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 Morse Bluff is American National P&C at $44 per month and $262 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morse Bluff, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$262	$44
Auto-Owners Insurance Co	$402	$67
American National	$507	$85
Farmers Mutual of Nebraska	$547	$92
Shelter	$559	$95
IMT Insurance Company	$570	$95
Auto-Owners	$798	$134
USAA	$879	$148
Farmers	$931	$159
Progressive	$960	$162
State Farm	$1042	$175
North Star Mutual	$1234	$206
Allstate	$1449	$244
Farm Bureau	$1752	$292
Nationwide	$1770	$301
American Family	$990	$165

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Average Car Insurance in Morse Bluff 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 Morse Bluff, NE increasing?

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

Car Insurance Premiums by Age in Morse Bluff

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	$696
30s	USAA	$539
40s	USAA	$480
50s	USAA	$459
60s	USAA	$459
70s	USAA	$534

Cheapest Car Insurance Rates for Teen Drivers in Morse Bluff,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 Morse Bluff at $19 per month. At $2364 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	$111	$19
Farmers	$180	$30
North Star Mutual Insurance	$244	$41
Iowa Farm Bureau	$262	$44
Auto-Owners Insurance Co	$268	$45
Farmers Mutual of Nebraska	$891	$150
American National	$1117	$190
USAA	$1339	$225
Auto-Owners	$2014	$339
State Farm	$2136	$360
Progressive	$2178	$367
Allstate	$3178	$535
Farm Bureau	$3831	$652
Nationwide	$6019	$1004
American Family	$2364	$402

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 Morse Bluff.

As young drivers face the highest rates in Morse Bluff, Farm Bureau Mutual offers the cheapest auto insurance rates at $696 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 Morse Bluff, American National P&C is the cheapest car insurance provider. At $326 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 Morse Bluff is American Family, offering rates of around $1694 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$326	$54
IMT Insurance Company	$367	$63
Shelter	$390	$65
Iowa Farm Bureau	$454	$77
Farmers Mutual of Nebraska	$606	$102
Progressive	$1007	$170
USAA	$1257	$210
Auto-Owners	$2241	$381
Allstate	$2253	$375
Nationwide	$2479	$421
Farm Bureau	$3265	$544
State Farm	$5257	$894
American Family	$1694	$282

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Car Insurance Rates with An Accident in Morse Bluff

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morse Bluff

The cheapest car insurance companies after an at-fault accident in Morse Bluff include American National P&C and Farmers, offering $134 and $216, respectively. American Family is an expensive provider with an average six-month premium of $1188.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$134	$23
Farmers	$216	$36
Auto-Owners Insurance Co	$221	$37
North Star Mutual	$315	$54
Iowa Farm Bureau	$361	$60
North Star Mutual Insurance	$419	$72
American National	$570	$95
Farmers Mutual of Nebraska	$576	$97
Auto-Owners	$669	$113
USAA	$669	$113
State Farm	$711	$120
Progressive	$955	$161
Allstate	$2160	$364
Farm Bureau	$2788	$474
Nationwide	$2869	$478
American Family	$1188	$198

Morse Bluff Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morse Bluff NE. For example, the car insurance in Morse Bluff after a DUI increases to $937 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Morse Bluff auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$996	$166
One Med/PIP claim	$996	$170
Not-at-fault accident	$1083	$180
Driving without lights	$1106	$188
Failure to show documents	$1106	$184
Driving with expired registration	$1117	$190
Failure to wear a seat belt	$1117	$186
Two Med/PIP claims	$1123	$191
Cell phone violation	$1129	$188
One comp claim	$1129	$192
Texting while driving	$1129	$188
Failure to yield	$1147	$195
Child safety restraint	$1152	$192
Driving too slowly	$1152	$196
Speeding in school zone	$1164	$194
Failure to stop at a red light	$1170	$199
Illegal turn	$1182	$197
Passing school bus	$1182	$201
Speeding 6 - 10 MPH over limit	$1182	$197
Following too closely	$1188	$202
Improper passing	$1200	$200
Speeding 11 - 15 MPH over limit	$1211	$206
Speeding 16 - 20 MPH over limit	$1228	$205
Wrong way/wrong lane	$1251	$213
Speeding 21 - 25 MPH over limit	$1263	$211
Operating a vehicle without permission	$1327	$225
In 65 MPH zone	$1345	$224
Two comp claims	$1356	$230
Open container	$1392	$232
At-fault accident - less than $1000	$1426	$242
At-fault accident - $1000-$2000	$1554	$259
At-fault accident - greater than $2000	$1554	$265
Reckless driving	$1764	$294
Driving with a suspended license	$1822	$310
Refusal to submit to a chemical test	$1881	$314
DUI	$1933	$328
Leaving scene of an accident/hit and run	$1962	$327
Racing	$1968	$334

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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 Morse Bluff 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 Morse Bluff.

The cheapest car insurance premiums in Morse Bluff are offered by American National P&C at $151 for a six-month policy. However, it can be as expensive as $990 with companies like American Family.

Morse Bluff car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$151	$25
Farmers	$355	$59
IMT Insurance Company	$437	$74
Auto-Owners Insurance Co	$471	$78
Iowa Farm Bureau	$477	$81
Shelter	$530	$88
American National	$612	$104
Progressive	$757	$127
Farmers Mutual of Nebraska	$908	$153
USAA	$1188	$200
State Farm	$1211	$204
Auto-Owners	$1240	$209
Farm Bureau	$1257	$212
Allstate	$1810	$305
Nationwide	$3930	$668
American Family	$990	$169

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 Morse Bluff are offered by American National P&C at $117. However, it can be as expensive as $1095 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Morse Bluff after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$117	$20
Auto-Owners Insurance Co	$250	$42
IMT Insurance Company	$291	$50
Iowa Farm Bureau	$297	$49
Farmers Mutual of Nebraska	$471	$79
State Farm	$663	$112
Auto-Owners	$757	$128
Progressive	$891	$150
USAA	$914	$156
Allstate	$1606	$268
Farm Bureau	$2101	$358
Nationwide	$2370	$395
American Family	$1095	$186

Car Insurance Price Trends in Morse Bluff, Nebraska

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

The average cost of full coverage in the Morse Bluff rose by $183 in December compared to $161 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 Morse Bluff 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 Morse Bluff?

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

What is the cheapest car insurance in Morse Bluff?

The cheapest car insurance in Morse Bluff is $44 per month for full coverage.

How much is car insurance in Morse Bluff for teenagers?

Car insurance for teenagers costs $111 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 Morse Bluff?

The average cost of car insurance is $934 for a six-month policy. It will cost around $154 per month to insure your car in Morse Bluff.

Is car insurance expensive in Morse Bluff?

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

What is the best car insurance in Morse Bluff, NE?

The best car insurance company in Morse Bluff NE is American National P&C, offering $262 for a six-month policy.