Cheapest Car Insurance Quotes in Nebraska City

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Nebraska City 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 Nebraska City

The car insurance rate in Nebraska City is $887 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $254, making it a popular choice for budget-conscious drivers. Rates in Nebraska City 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 Nebraska City

$887

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Nebraska City

1st place: American National P&C

At $254 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 $390 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 $491 for six months, making it the third cheapest auto insurance company in Nebraska City.

Nebraska City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nebraska City, NE is American National P&C, offering policies at just $254 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $390.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $960 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nebraska City drivers find the best deals.

Cheap Car Insurance Companies in Nebraska City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$254	$43
Auto-Owners Insurance Co	$390	$65
American National	$491	$83
Farmers Mutual of Nebraska	$530	$89
Shelter	$542	$92
IMT Insurance Company	$553	$92
Auto-Owners	$773	$130
USAA	$852	$143
Farmers	$903	$154
Progressive	$931	$157
State Farm	$1010	$170
North Star Mutual	$1196	$200
Allstate	$1405	$237
Farm Bureau	$1699	$283
Nationwide	$1716	$292
American Family	$960	$160

Key Takeaways

Way's key takeaways about car insurance in Nebraska City

The auto insurance costs in Nebraska City fall around $254 for six months.
The cheapest auto insurance company in Nebraska City is American National P&C.
Teen drivers pay the highest rate in Nebraska City at $390 per month.

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Cheapest Minimum Liability Car Insurance in Nebraska City

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 Nebraska City are given below.

American National P&C provides the cheapest minimum car insurance coverage in Nebraska City. Their Average 6 Month Premium is $90. North Star Mutual Insurance is the most expensive at $152 for the same period.

Cheapest Liability Coverage in Nebraska City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$90	$15
American National	$96	$16
Farmers Mutual of Nebraska	$142	$24
North Star Mutual	$175	$29
Auto-Owners Insurance Co	$186	$31
Farmers	$192	$32
IMT Insurance	$198	$33
Progressive	$198	$33
USAA	$198	$33
Auto-Owners	$209	$35
Iowa Farm Bureau	$226	$38
Shelter	$232	$39
State Farm	$232	$39
Farm Bureau	$322	$55
Allstate	$446	$75
Nationwide	$576	$98
American Family	$276	$47
North Star Mutual Insurance	$152	$26

Cheapest Full Coverage Car Insurance in Nebraska City

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 Nebraska City is American National P&C at $43 per month and $254 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nebraska City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$254	$43
Auto-Owners Insurance Co	$390	$65
American National	$491	$83
Farmers Mutual of Nebraska	$530	$89
Shelter	$542	$92
IMT Insurance Company	$553	$92
Auto-Owners	$773	$130
USAA	$852	$143
Farmers	$903	$154
Progressive	$931	$157
State Farm	$1010	$170
North Star Mutual	$1196	$200
Allstate	$1405	$237
Farm Bureau	$1699	$283
Nationwide	$1716	$292
American Family	$960	$160

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Average Car Insurance in Nebraska City 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 Nebraska City, NE increasing?

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

Car Insurance Premiums by Age in Nebraska City

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	$675
30s	USAA	$523
40s	USAA	$466
50s	USAA	$445
60s	USAA	$445
70s	USAA	$518

Cheapest Car Insurance Rates for Teen Drivers in Nebraska City,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 Nebraska City at $18 per month. At $2291 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	$107	$18
Farmers	$175	$29
North Star Mutual Insurance	$237	$40
Iowa Farm Bureau	$254	$43
Auto-Owners Insurance Co	$259	$44
Farmers Mutual of Nebraska	$864	$145
American National	$1083	$184
USAA	$1298	$219
Auto-Owners	$1952	$329
State Farm	$2071	$349
Progressive	$2111	$355
Allstate	$3081	$519
Farm Bureau	$3714	$632
Nationwide	$5835	$973
American Family	$2291	$390

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 Nebraska City.

As young drivers face the highest rates in Nebraska City, Farm Bureau Mutual offers the cheapest auto insurance rates at $675 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 Nebraska City, American National P&C is the cheapest car insurance provider. At $316 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 Nebraska City is American Family, offering rates of around $1643 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$316	$52
IMT Insurance Company	$355	$61
Shelter	$378	$63
Iowa Farm Bureau	$440	$75
Farmers Mutual of Nebraska	$587	$99
Progressive	$977	$164
USAA	$1219	$203
Auto-Owners	$2173	$370
Allstate	$2184	$364
Nationwide	$2404	$409
Farm Bureau	$3165	$527
State Farm	$5096	$866
American Family	$1643	$274

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Car Insurance Rates with An Accident in Nebraska City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Nebraska City

The cheapest car insurance companies after an at-fault accident in Nebraska City include American National P&C and Farmers, offering $130 and $209, respectively. American Family is an expensive provider with an average six-month premium of $1151.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$130	$22
Farmers	$209	$35
Auto-Owners Insurance Co	$215	$36
North Star Mutual	$305	$52
Iowa Farm Bureau	$350	$58
North Star Mutual Insurance	$407	$69
American National	$553	$92
Farmers Mutual of Nebraska	$559	$94
Auto-Owners	$649	$109
USAA	$649	$109
State Farm	$689	$116
Progressive	$925	$156
Allstate	$2094	$352
Farm Bureau	$2703	$460
Nationwide	$2782	$464
American Family	$1151	$192

Nebraska City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nebraska City NE. For example, the car insurance in Nebraska City after a DUI increases to $908 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Nebraska City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$965	$161
One Med/PIP claim	$965	$164
Not-at-fault accident	$1050	$175
Driving without lights	$1073	$182
Failure to show documents	$1073	$179
Driving with expired registration	$1083	$184
Failure to wear a seat belt	$1083	$181
Two Med/PIP claims	$1089	$185
Cell phone violation	$1094	$182
One comp claim	$1094	$186
Texting while driving	$1094	$182
Failure to yield	$1112	$189
Child safety restraint	$1117	$186
Driving too slowly	$1117	$190
Speeding in school zone	$1129	$188
Failure to stop at a red light	$1134	$193
Illegal turn	$1146	$191
Passing school bus	$1146	$195
Speeding 6 - 10 MPH over limit	$1146	$191
Following too closely	$1151	$196
Improper passing	$1163	$194
Speeding 11 - 15 MPH over limit	$1174	$200
Speeding 16 - 20 MPH over limit	$1190	$199
Wrong way/wrong lane	$1213	$206
Speeding 21 - 25 MPH over limit	$1225	$204
Operating a vehicle without permission	$1286	$219
In 65 MPH zone	$1303	$218
Two comp claims	$1315	$223
Open container	$1349	$225
At-fault accident - less than $1000	$1382	$235
At-fault accident - $1000-$2000	$1507	$251
At-fault accident - greater than $2000	$1507	$257
Reckless driving	$1710	$285
Driving with a suspended license	$1766	$300
Refusal to submit to a chemical test	$1823	$304
DUI	$1873	$318
Leaving scene of an accident/hit and run	$1902	$317
Racing	$1908	$324

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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 Nebraska City 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 Nebraska City.

The cheapest car insurance premiums in Nebraska City are offered by American National P&C at $146 for a six-month policy. However, it can be as expensive as $960 with companies like American Family.

Nebraska City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$146	$25
Farmers	$344	$57
IMT Insurance Company	$424	$72
Auto-Owners Insurance Co	$457	$76
Iowa Farm Bureau	$463	$79
Shelter	$514	$86
American National	$593	$101
Progressive	$733	$124
Farmers Mutual of Nebraska	$881	$148
USAA	$1151	$194
State Farm	$1174	$198
Auto-Owners	$1202	$202
Farm Bureau	$1219	$205
Allstate	$1755	$295
Nationwide	$3810	$648
American Family	$960	$163

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 Nebraska City are offered by American National P&C at $113. However, it can be as expensive as $1061 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Nebraska City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$113	$19
Auto-Owners Insurance Co	$242	$41
IMT Insurance Company	$282	$48
Iowa Farm Bureau	$288	$48
Farmers Mutual of Nebraska	$457	$77
State Farm	$643	$108
Auto-Owners	$733	$124
Progressive	$864	$145
USAA	$886	$151
Allstate	$1557	$259
Farm Bureau	$2037	$347
Nationwide	$2297	$383
American Family	$1061	$181

Car Insurance Price Trends in Nebraska City, Nebraska

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

The average cost of full coverage in the Nebraska City rose by $178 in December compared to $156 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 Nebraska City rose to $36 in December, compared to $35 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 Nebraska City?

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

What is the cheapest car insurance in Nebraska City?

The cheapest car insurance in Nebraska City is $43 per month for full coverage.

How much is car insurance in Nebraska City for teenagers?

Car insurance for teenagers costs $107 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 Nebraska City?

The average cost of car insurance is $934 for a six-month policy. It will cost around $149 per month to insure your car in Nebraska City.

Is car insurance expensive in Nebraska City?

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

What is the best car insurance in Nebraska City, NE?

The best car insurance company in Nebraska City NE is American National P&C, offering $254 for a six-month policy.