Cheapest Car Insurance Quotes in Orchard

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Orchard 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 Orchard

The car insurance rate in Orchard is $943 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $270, making it a popular choice for budget-conscious drivers. Rates in Orchard 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 Orchard

$943

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Orchard

1st place: American National P&C

At $270 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 $414 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 $522 for six months, making it the third cheapest auto insurance company in Orchard.

Orchard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orchard, NE is American National P&C, offering policies at just $270 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $414.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1020 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orchard drivers find the best deals.

Cheap Car Insurance Companies in Orchard, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$270	$45
Auto-Owners Insurance Co	$414	$69
American National	$522	$88
Farmers Mutual of Nebraska	$564	$95
Shelter	$576	$98
IMT Insurance Company	$588	$98
Auto-Owners	$822	$138
USAA	$906	$153
Farmers	$960	$164
Progressive	$990	$167
State Farm	$1074	$181
North Star Mutual	$1272	$212
Allstate	$1494	$251
Farm Bureau	$1806	$301
Nationwide	$1824	$310
American Family	$1020	$170

Key Takeaways

Way's key takeaways about car insurance in Orchard

The auto insurance costs in Orchard fall around $270 for six months.
The cheapest auto insurance company in Orchard is American National P&C.
Teen drivers pay the highest rate in Orchard at $414 per month.

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Cheapest Minimum Liability Car Insurance in Orchard

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 Orchard are given below.

American National P&C provides the cheapest minimum car insurance coverage in Orchard. Their Average 6 Month Premium is $96. North Star Mutual Insurance is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Orchard, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$96	$16
American National	$102	$17
Farmers Mutual of Nebraska	$150	$25
North Star Mutual	$186	$31
Auto-Owners Insurance Co	$198	$33
Farmers	$204	$34
IMT Insurance	$210	$35
Progressive	$210	$35
USAA	$210	$35
Auto-Owners	$222	$37
Iowa Farm Bureau	$240	$40
Shelter	$246	$41
State Farm	$246	$41
Farm Bureau	$342	$59
Allstate	$474	$80
Nationwide	$612	$104
American Family	$294	$49
North Star Mutual Insurance	$162	$27

Cheapest Full Coverage Car Insurance in Orchard

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 Orchard is American National P&C at $45 per month and $270 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orchard, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$270	$45
Auto-Owners Insurance Co	$414	$69
American National	$522	$88
Farmers Mutual of Nebraska	$564	$95
Shelter	$576	$98
IMT Insurance Company	$588	$98
Auto-Owners	$822	$138
USAA	$906	$153
Farmers	$960	$164
Progressive	$990	$167
State Farm	$1074	$181
North Star Mutual	$1272	$212
Allstate	$1494	$251
Farm Bureau	$1806	$301
Nationwide	$1824	$310
American Family	$1020	$170

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Average Car Insurance in Orchard 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 Orchard, NE increasing?

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

Car Insurance Premiums by Age in Orchard

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	$717
30s	USAA	$556
40s	USAA	$495
50s	USAA	$473
60s	USAA	$473
70s	USAA	$550

Cheapest Car Insurance Rates for Teen Drivers in Orchard,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 Orchard at $19 per month. At $2436 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	$114	$19
Farmers	$186	$31
North Star Mutual Insurance	$251	$42
Iowa Farm Bureau	$270	$45
Auto-Owners Insurance Co	$276	$46
Farmers Mutual of Nebraska	$918	$155
American National	$1151	$196
USAA	$1380	$232
Auto-Owners	$2076	$349
State Farm	$2202	$371
Progressive	$2244	$378
Allstate	$3275	$551
Farm Bureau	$3948	$672
Nationwide	$6203	$1034
American Family	$2436	$414

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 Orchard.

As young drivers face the highest rates in Orchard, Farm Bureau Mutual offers the cheapest auto insurance rates at $717 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 Orchard, American National P&C is the cheapest car insurance provider. At $336 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 Orchard is American Family, offering rates of around $1746 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$336	$56
IMT Insurance Company	$378	$65
Shelter	$402	$67
Iowa Farm Bureau	$468	$80
Farmers Mutual of Nebraska	$624	$105
Progressive	$1038	$175
USAA	$1296	$216
Auto-Owners	$2310	$393
Allstate	$2322	$387
Nationwide	$2555	$434
Farm Bureau	$3365	$561
State Farm	$5418	$921
American Family	$1746	$291

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Car Insurance Rates with An Accident in Orchard

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orchard

The cheapest car insurance companies after an at-fault accident in Orchard include American National P&C and Farmers, offering $138 and $222, respectively. American Family is an expensive provider with an average six-month premium of $1224.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$138	$23
Farmers	$222	$37
Auto-Owners Insurance Co	$228	$38
North Star Mutual	$324	$56
Iowa Farm Bureau	$372	$62
North Star Mutual Insurance	$432	$74
American National	$588	$98
Farmers Mutual of Nebraska	$594	$100
Auto-Owners	$690	$116
USAA	$690	$116
State Farm	$732	$123
Progressive	$984	$166
Allstate	$2226	$375
Farm Bureau	$2873	$489
Nationwide	$2957	$493
American Family	$1224	$204

Orchard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orchard NE. For example, the car insurance in Orchard after a DUI increases to $966 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Orchard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1026	$171
One Med/PIP claim	$1026	$175
Not-at-fault accident	$1116	$186
Driving without lights	$1140	$194
Failure to show documents	$1140	$190
Driving with expired registration	$1151	$196
Failure to wear a seat belt	$1151	$192
Two Med/PIP claims	$1157	$197
Cell phone violation	$1164	$194
One comp claim	$1164	$198
Texting while driving	$1164	$194
Failure to yield	$1182	$201
Child safety restraint	$1188	$198
Driving too slowly	$1188	$202
Speeding in school zone	$1200	$200
Failure to stop at a red light	$1206	$205
Illegal turn	$1218	$203
Passing school bus	$1218	$207
Speeding 6 - 10 MPH over limit	$1218	$203
Following too closely	$1224	$208
Improper passing	$1236	$206
Speeding 11 - 15 MPH over limit	$1248	$212
Speeding 16 - 20 MPH over limit	$1266	$211
Wrong way/wrong lane	$1290	$219
Speeding 21 - 25 MPH over limit	$1302	$217
Operating a vehicle without permission	$1368	$232
In 65 MPH zone	$1386	$231
Two comp claims	$1398	$237
Open container	$1434	$239
At-fault accident - less than $1000	$1470	$249
At-fault accident - $1000-$2000	$1602	$267
At-fault accident - greater than $2000	$1602	$273
Reckless driving	$1818	$303
Driving with a suspended license	$1878	$319
Refusal to submit to a chemical test	$1938	$323
DUI	$1992	$338
Leaving scene of an accident/hit and run	$2022	$337
Racing	$2028	$344

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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 Orchard 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 Orchard.

The cheapest car insurance premiums in Orchard are offered by American National P&C at $156 for a six-month policy. However, it can be as expensive as $1020 with companies like American Family.

Orchard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$156	$26
Farmers	$366	$61
IMT Insurance Company	$450	$77
Auto-Owners Insurance Co	$486	$81
Iowa Farm Bureau	$492	$84
Shelter	$546	$91
American National	$630	$107
Progressive	$780	$131
Farmers Mutual of Nebraska	$936	$158
USAA	$1224	$206
State Farm	$1248	$210
Auto-Owners	$1278	$215
Farm Bureau	$1296	$218
Allstate	$1865	$314
Nationwide	$4050	$689
American Family	$1020	$174

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 Orchard are offered by American National P&C at $120. However, it can be as expensive as $1128 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Orchard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$120	$20
Auto-Owners Insurance Co	$258	$43
IMT Insurance Company	$300	$52
Iowa Farm Bureau	$306	$51
Farmers Mutual of Nebraska	$486	$82
State Farm	$684	$115
Auto-Owners	$780	$132
Progressive	$918	$155
USAA	$942	$161
Allstate	$1655	$276
Farm Bureau	$2165	$369
Nationwide	$2442	$407
American Family	$1128	$192

Car Insurance Price Trends in Orchard, Nebraska

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

The average cost of full coverage in the Orchard rose by $189 in December compared to $166 of November. In other words, there has been an increase by $23 when you compare December and November.

The average cost of liability insurance in the Orchard rose to $38 in December, compared to $37 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 Orchard?

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

What is the cheapest car insurance in Orchard?

The cheapest car insurance in Orchard is $45 per month for full coverage.

How much is car insurance in Orchard for teenagers?

Car insurance for teenagers costs $114 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 Orchard?

The average cost of car insurance is $934 for a six-month policy. It will cost around $159 per month to insure your car in Orchard.

Is car insurance expensive in Orchard?

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

What is the best car insurance in Orchard, NE?

The best car insurance company in Orchard NE is American National P&C, offering $270 for a six-month policy.