Cheapest Car Insurance Quotes in Pawnee City

Finding the cheapest car insurance quotes in Pawnee City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Pawnee City 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 Pawnee City

The car insurance rate in Pawnee City is $934 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $267, making it a popular choice for budget-conscious drivers. Rates in Pawnee 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 Pawnee City

$934

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Pawnee City

1st place: American National P&C

At $267 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 $410 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 $517 for six months, making it the third cheapest auto insurance company in Pawnee City.

Pawnee City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pawnee City, NE is American National P&C, offering policies at just $267 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $410.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pawnee City drivers find the best deals.

Cheap Car Insurance Companies in Pawnee City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$45
Auto-Owners Insurance Co	$410	$68
American National	$517	$87
Farmers Mutual of Nebraska	$558	$94
Shelter	$570	$97
IMT Insurance Company	$582	$97
Auto-Owners	$814	$137
USAA	$897	$151
Farmers	$950	$162
Progressive	$980	$165
State Farm	$1063	$179
North Star Mutual	$1259	$210
Allstate	$1479	$249
Farm Bureau	$1788	$298
Nationwide	$1806	$307
American Family	$1010	$168

Key Takeaways

Way's key takeaways about car insurance in Pawnee City

The auto insurance costs in Pawnee City fall around $267 for six months.
The cheapest auto insurance company in Pawnee City is American National P&C.
Teen drivers pay the highest rate in Pawnee City at $410 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Pawnee 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 Pawnee City are given below.

American National P&C provides the cheapest minimum car insurance coverage in Pawnee City. Their Average 6 Month Premium is $95. North Star Mutual Insurance is the most expensive at $160 for the same period.

Cheapest Liability Coverage in Pawnee City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$95	$16
American National	$101	$17
Farmers Mutual of Nebraska	$149	$25
North Star Mutual	$184	$31
Auto-Owners Insurance Co	$196	$33
Farmers	$202	$34
IMT Insurance	$208	$35
Progressive	$208	$35
USAA	$208	$35
Auto-Owners	$220	$37
Iowa Farm Bureau	$238	$40
Shelter	$244	$41
State Farm	$244	$41
Farm Bureau	$339	$58
Allstate	$469	$79
Nationwide	$606	$103
American Family	$291	$49
North Star Mutual Insurance	$160	$27

Cheapest Full Coverage Car Insurance in Pawnee 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 Pawnee City is American National P&C at $45 per month and $267 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pawnee City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$267	$45
Auto-Owners Insurance Co	$410	$68
American National	$517	$87
Farmers Mutual of Nebraska	$558	$94
Shelter	$570	$97
IMT Insurance Company	$582	$97
Auto-Owners	$814	$137
USAA	$897	$151
Farmers	$950	$162
Progressive	$980	$165
State Farm	$1063	$179
North Star Mutual	$1259	$210
Allstate	$1479	$249
Farm Bureau	$1788	$298
Nationwide	$1806	$307
American Family	$1010	$168

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Pawnee City Instantly!

Average Car Insurance in Pawnee 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 Pawnee City, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Pawnee 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, Pawnee 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 Pawnee 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	$710
30s	USAA	$550
40s	USAA	$490
50s	USAA	$468
60s	USAA	$468
70s	USAA	$545

Cheapest Car Insurance Rates for Teen Drivers in Pawnee 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 Pawnee City at $19 per month. At $2412 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	$113	$19
Farmers	$184	$31
North Star Mutual Insurance	$249	$42
Iowa Farm Bureau	$267	$45
Auto-Owners Insurance Co	$273	$46
Farmers Mutual of Nebraska	$909	$153
American National	$1140	$194
USAA	$1366	$230
Auto-Owners	$2055	$346
State Farm	$2180	$367
Progressive	$2222	$374
Allstate	$3243	$546
Farm Bureau	$3909	$665
Nationwide	$6142	$1024
American Family	$2412	$410

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 Pawnee City.

As young drivers face the highest rates in Pawnee City, Farm Bureau Mutual offers the cheapest auto insurance rates at $710 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 Pawnee City, American National P&C is the cheapest car insurance provider. At $333 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 Pawnee City is American Family, offering rates of around $1729 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$333	$55
IMT Insurance Company	$374	$64
Shelter	$398	$66
Iowa Farm Bureau	$463	$79
Farmers Mutual of Nebraska	$618	$104
Progressive	$1028	$173
USAA	$1283	$214
Auto-Owners	$2287	$389
Allstate	$2299	$383
Nationwide	$2530	$430
Farm Bureau	$3332	$555
State Farm	$5364	$912
American Family	$1729	$288

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Pawnee City.

Car Insurance Rates with An Accident in Pawnee 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 Pawnee City, NE, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Pawnee City include American National P&C and Farmers, offering $137 and $220, respectively. American Family is an expensive provider with an average six-month premium of $1212.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$137	$23
Farmers	$220	$37
Auto-Owners Insurance Co	$226	$38
North Star Mutual	$321	$55
Iowa Farm Bureau	$368	$61
North Star Mutual Insurance	$428	$73
American National	$582	$97
Farmers Mutual of Nebraska	$588	$99
Auto-Owners	$683	$115
USAA	$683	$115
State Farm	$725	$122
Progressive	$974	$164
Allstate	$2204	$371
Farm Bureau	$2845	$484
Nationwide	$2928	$488
American Family	$1212	$202

Pawnee City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pawnee City NE. For example, the car insurance in Pawnee City after a DUI increases to $956 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Pawnee City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1016	$169
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1105	$184
Driving without lights	$1129	$192
Failure to show documents	$1129	$188
Driving with expired registration	$1140	$194
Failure to wear a seat belt	$1140	$190
Two Med/PIP claims	$1146	$195
Cell phone violation	$1152	$192
One comp claim	$1152	$196
Texting while driving	$1152	$192
Failure to yield	$1170	$199
Child safety restraint	$1176	$196
Driving too slowly	$1176	$200
Speeding in school zone	$1188	$198
Failure to stop at a red light	$1194	$203
Illegal turn	$1206	$201
Passing school bus	$1206	$205
Speeding 6 - 10 MPH over limit	$1206	$201
Following too closely	$1212	$206
Improper passing	$1224	$204
Speeding 11 - 15 MPH over limit	$1236	$210
Speeding 16 - 20 MPH over limit	$1253	$209
Wrong way/wrong lane	$1277	$217
Speeding 21 - 25 MPH over limit	$1289	$215
Operating a vehicle without permission	$1354	$230
In 65 MPH zone	$1372	$229
Two comp claims	$1384	$235
Open container	$1420	$237
At-fault accident - less than $1000	$1455	$247
At-fault accident - $1000-$2000	$1586	$264
At-fault accident - greater than $2000	$1586	$270
Reckless driving	$1800	$300
Driving with a suspended license	$1859	$316
Refusal to submit to a chemical test	$1919	$320
DUI	$1972	$335
Leaving scene of an accident/hit and run	$2002	$334
Racing	$2008	$341

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Pawnee 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 Pawnee City.

The cheapest car insurance premiums in Pawnee City are offered by American National P&C at $154 for a six-month policy. However, it can be as expensive as $1010 with companies like American Family.

Pawnee City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$154	$26
Farmers	$362	$60
IMT Insurance Company	$446	$76
Auto-Owners Insurance Co	$481	$80
Iowa Farm Bureau	$487	$83
Shelter	$541	$90
American National	$624	$106
Progressive	$772	$130
Farmers Mutual of Nebraska	$927	$156
USAA	$1212	$204
State Farm	$1236	$208
Auto-Owners	$1265	$213
Farm Bureau	$1283	$216
Allstate	$1847	$311
Nationwide	$4010	$682
American Family	$1010	$172

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 Pawnee City are offered by American National P&C at $119. However, it can be as expensive as $1117 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Pawnee City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$119	$20
Auto-Owners Insurance Co	$255	$43
IMT Insurance Company	$297	$51
Iowa Farm Bureau	$303	$50
Farmers Mutual of Nebraska	$481	$81
State Farm	$677	$114
Auto-Owners	$772	$131
Progressive	$909	$153
USAA	$933	$159
Allstate	$1639	$273
Farm Bureau	$2144	$365
Nationwide	$2418	$403
American Family	$1117	$190

Car Insurance Price Trends in Pawnee City, Nebraska

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

The average cost of full coverage in the Pawnee City rose by $187 in December compared to $164 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 Pawnee City rose to $38 in December, compared to $37 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Pawnee City?

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

What is the cheapest car insurance in Pawnee City?

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

How much is car insurance in Pawnee City for teenagers?

Car insurance for teenagers costs $113 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 Pawnee City?

The average cost of car insurance is $934 for a six-month policy. It will cost around $157 per month to insure your car in Pawnee City.

Is car insurance expensive in Pawnee City?

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

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

The best car insurance company in Pawnee City NE is American National P&C, offering $267 for a six-month policy.