Cheapest Car Insurance Quotes in Palisade

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Palisade Car Insurance

^$ 18

/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 Palisade

The car insurance rate in Palisade is $1074 for a six-month policy, which is $140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $307, making it a popular choice for budget-conscious drivers. Rates in Palisade 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 Palisade

$1074

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Palisade

1st place: American National P&C

At $307 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 $471 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 $595 for six months, making it the third cheapest auto insurance company in Palisade.

Palisade Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Palisade, NE is American National P&C, offering policies at just $307 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $471.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1162 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Palisade drivers find the best deals.

Cheap Car Insurance Companies in Palisade, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$307	$52
Auto-Owners Insurance Co	$471	$78
American National	$595	$100
Farmers Mutual of Nebraska	$642	$108
Shelter	$656	$112
IMT Insurance Company	$669	$112
Auto-Owners	$936	$158
USAA	$1032	$174
Farmers	$1093	$186
Progressive	$1127	$190
State Farm	$1222	$206
North Star Mutual	$1448	$241
Allstate	$1701	$286
Farm Bureau	$2056	$343
Nationwide	$2077	$353
American Family	$1162	$193

Key Takeaways

Way's key takeaways about car insurance in Palisade

The auto insurance costs in Palisade fall around $307 for six months.
The cheapest auto insurance company in Palisade is American National P&C.
Teen drivers pay the highest rate in Palisade at $471 per month.

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Cheapest Minimum Liability Car Insurance in Palisade

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 Palisade are given below.

American National P&C provides the cheapest minimum car insurance coverage in Palisade. Their Average 6 Month Premium is $109. North Star Mutual Insurance is the most expensive at $184 for the same period.

Cheapest Liability Coverage in Palisade, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$109	$18
American National	$116	$20
Farmers Mutual of Nebraska	$171	$29
North Star Mutual	$212	$36
Auto-Owners Insurance Co	$225	$38
Farmers	$232	$39
IMT Insurance	$239	$40
Progressive	$239	$40
USAA	$239	$40
Auto-Owners	$253	$43
Iowa Farm Bureau	$274	$46
Shelter	$281	$47
State Farm	$281	$47
Farm Bureau	$390	$67
Allstate	$539	$91
Nationwide	$697	$118
American Family	$335	$56
North Star Mutual Insurance	$184	$31

Cheapest Full Coverage Car Insurance in Palisade

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 Palisade is American National P&C at $52 per month and $307 for six months.

Cheapest Full Coverage Car Insurance Quotes in Palisade, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$307	$52
Auto-Owners Insurance Co	$471	$78
American National	$595	$100
Farmers Mutual of Nebraska	$642	$108
Shelter	$656	$112
IMT Insurance Company	$669	$112
Auto-Owners	$936	$158
USAA	$1032	$174
Farmers	$1093	$186
Progressive	$1127	$190
State Farm	$1222	$206
North Star Mutual	$1448	$241
Allstate	$1701	$286
Farm Bureau	$2056	$343
Nationwide	$2077	$353
American Family	$1162	$193

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Average Car Insurance in Palisade 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 Palisade, NE increasing?

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

Car Insurance Premiums by Age in Palisade

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	$816
30s	USAA	$633
40s	USAA	$564
50s	USAA	$538
60s	USAA	$538
70s	USAA	$627

Cheapest Car Insurance Rates for Teen Drivers in Palisade,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 Palisade at $22 per month. At $2774 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	$130	$22
Farmers	$212	$36
North Star Mutual Insurance	$286	$48
Iowa Farm Bureau	$307	$52
Auto-Owners Insurance Co	$314	$53
Farmers Mutual of Nebraska	$1045	$176
American National	$1311	$223
USAA	$1571	$265
Auto-Owners	$2363	$398
State Farm	$2507	$422
Progressive	$2555	$430
Allstate	$3729	$628
Farm Bureau	$4495	$765
Nationwide	$7063	$1178
American Family	$2774	$471

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 Palisade.

As young drivers face the highest rates in Palisade, Farm Bureau Mutual offers the cheapest auto insurance rates at $816 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 Palisade, American National P&C is the cheapest car insurance provider. At $383 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 Palisade is American Family, offering rates of around $1988 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$383	$63
IMT Insurance Company	$430	$74
Shelter	$458	$76
Iowa Farm Bureau	$532	$91
Farmers Mutual of Nebraska	$711	$120
Progressive	$1182	$199
USAA	$1475	$246
Auto-Owners	$2630	$447
Allstate	$2644	$440
Nationwide	$2910	$494
Farm Bureau	$3832	$638
State Farm	$6169	$1049
American Family	$1988	$331

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Car Insurance Rates with An Accident in Palisade

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

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

The cheapest car insurance companies after an at-fault accident in Palisade include American National P&C and Farmers, offering $158 and $253, respectively. American Family is an expensive provider with an average six-month premium of $1394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$158	$26
Farmers	$253	$43
Auto-Owners Insurance Co	$260	$44
North Star Mutual	$369	$63
Iowa Farm Bureau	$423	$70
North Star Mutual Insurance	$492	$84
American National	$669	$112
Farmers Mutual of Nebraska	$676	$114
Auto-Owners	$785	$132
USAA	$785	$132
State Farm	$834	$140
Progressive	$1120	$189
Allstate	$2535	$427
Farm Bureau	$3272	$557
Nationwide	$3367	$561
American Family	$1394	$232

Palisade Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Palisade NE. For example, the car insurance in Palisade after a DUI increases to $1100 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Palisade auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1168	$194
One Med/PIP claim	$1168	$199
Not-at-fault accident	$1271	$212
Driving without lights	$1298	$221
Failure to show documents	$1298	$216
Driving with expired registration	$1311	$223
Failure to wear a seat belt	$1311	$218
Two Med/PIP claims	$1318	$224
Cell phone violation	$1325	$221
One comp claim	$1325	$225
Texting while driving	$1325	$221
Failure to yield	$1346	$229
Child safety restraint	$1352	$225
Driving too slowly	$1352	$230
Speeding in school zone	$1366	$228
Failure to stop at a red light	$1373	$233
Illegal turn	$1387	$231
Passing school bus	$1387	$236
Speeding 6 - 10 MPH over limit	$1387	$231
Following too closely	$1394	$237
Improper passing	$1408	$235
Speeding 11 - 15 MPH over limit	$1421	$241
Speeding 16 - 20 MPH over limit	$1441	$240
Wrong way/wrong lane	$1469	$250
Speeding 21 - 25 MPH over limit	$1482	$247
Operating a vehicle without permission	$1557	$265
In 65 MPH zone	$1578	$263
Two comp claims	$1592	$270
Open container	$1633	$273
At-fault accident - less than $1000	$1673	$284
At-fault accident - $1000-$2000	$1824	$304
At-fault accident - greater than $2000	$1824	$311
Reckless driving	$2070	$345
Driving with a suspended license	$2138	$363
Refusal to submit to a chemical test	$2207	$368
DUI	$2268	$385
Leaving scene of an accident/hit and run	$2302	$384
Racing	$2309	$392

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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 Palisade 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 Palisade.

The cheapest car insurance premiums in Palisade are offered by American National P&C at $177 for a six-month policy. However, it can be as expensive as $1162 with companies like American Family.

Palisade car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$177	$30
Farmers	$416	$69
IMT Insurance Company	$513	$87
Auto-Owners Insurance Co	$553	$92
Iowa Farm Bureau	$560	$95
Shelter	$622	$103
American National	$718	$122
Progressive	$888	$150
Farmers Mutual of Nebraska	$1066	$179
USAA	$1394	$235
State Farm	$1421	$239
Auto-Owners	$1455	$245
Farm Bureau	$1475	$248
Allstate	$2124	$358
Nationwide	$4612	$784
American Family	$1162	$198

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 Palisade are offered by American National P&C at $137. However, it can be as expensive as $1285 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Palisade after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$137	$23
Auto-Owners Insurance Co	$293	$49
IMT Insurance Company	$342	$59
Iowa Farm Bureau	$348	$57
Farmers Mutual of Nebraska	$553	$93
State Farm	$779	$131
Auto-Owners	$888	$151
Progressive	$1045	$176
USAA	$1073	$183
Allstate	$1885	$314
Farm Bureau	$2466	$420
Nationwide	$2781	$463
American Family	$1285	$218

Car Insurance Price Trends in Palisade, Nebraska

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

The average cost of full coverage in the Palisade rose by $215 in December compared to $189 of November. In other words, there has been an increase by $26 when you compare December and November.

The average cost of liability insurance in the Palisade rose to $44 in December, compared to $43 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 Palisade?

The car insurance in Palisade is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Palisade?

The cheapest car insurance in Palisade is $52 per month for full coverage.

How much is car insurance in Palisade for teenagers?

Car insurance for teenagers costs $130 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 Palisade?

The average cost of car insurance is $934 for a six-month policy. It will cost around $181 per month to insure your car in Palisade.

Is car insurance expensive in Palisade?

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

What is the best car insurance in Palisade, NE?

The best car insurance company in Palisade NE is American National P&C, offering $307 for a six-month policy.