Cheapest Car Insurance Quotes in Weeping Water

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Weeping Water 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 Weeping Water

The car insurance rate in Weeping Water is $962 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $275, making it a popular choice for budget-conscious drivers. Rates in Weeping Water 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 Weeping Water

$962

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Weeping Water

1st place: American National P&C

At $275 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 $422 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 $533 for six months, making it the third cheapest auto insurance company in Weeping Water.

Weeping Water Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Weeping Water, NE is American National P&C, offering policies at just $275 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $422.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1040 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Weeping Water drivers find the best deals.

Cheap Car Insurance Companies in Weeping Water, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$275	$46
Auto-Owners Insurance Co	$422	$70
American National	$533	$90
Farmers Mutual of Nebraska	$575	$97
Shelter	$587	$100
IMT Insurance Company	$599	$100
Auto-Owners	$838	$141
USAA	$924	$156
Farmers	$979	$167
Progressive	$1009	$170
State Farm	$1095	$184
North Star Mutual	$1297	$216
Allstate	$1523	$256
Farm Bureau	$1842	$307
Nationwide	$1860	$316
American Family	$1040	$173

Key Takeaways

Way's key takeaways about car insurance in Weeping Water

The auto insurance costs in Weeping Water fall around $275 for six months.
The cheapest auto insurance company in Weeping Water is American National P&C.
Teen drivers pay the highest rate in Weeping Water at $422 per month.

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Cheapest Minimum Liability Car Insurance in Weeping Water

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 Weeping Water are given below.

American National P&C provides the cheapest minimum car insurance coverage in Weeping Water. Their Average 6 Month Premium is $98. North Star Mutual Insurance is the most expensive at $165 for the same period.

Cheapest Liability Coverage in Weeping Water, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$98	$16
American National	$104	$18
Farmers Mutual of Nebraska	$153	$26
North Star Mutual	$190	$32
Auto-Owners Insurance Co	$202	$34
Farmers	$208	$35
IMT Insurance	$214	$36
Progressive	$214	$36
USAA	$214	$36
Auto-Owners	$227	$38
Iowa Farm Bureau	$245	$41
Shelter	$251	$42
State Farm	$251	$42
Farm Bureau	$349	$60
Allstate	$483	$81
Nationwide	$624	$106
American Family	$300	$50
North Star Mutual Insurance	$165	$28

Cheapest Full Coverage Car Insurance in Weeping Water

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 Weeping Water is American National P&C at $46 per month and $275 for six months.

Cheapest Full Coverage Car Insurance Quotes in Weeping Water, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$275	$46
Auto-Owners Insurance Co	$422	$70
American National	$533	$90
Farmers Mutual of Nebraska	$575	$97
Shelter	$587	$100
IMT Insurance Company	$599	$100
Auto-Owners	$838	$141
USAA	$924	$156
Farmers	$979	$167
Progressive	$1009	$170
State Farm	$1095	$184
North Star Mutual	$1297	$216
Allstate	$1523	$256
Farm Bureau	$1842	$307
Nationwide	$1860	$316
American Family	$1040	$173

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Average Car Insurance in Weeping Water 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 Weeping Water, NE increasing?

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

Car Insurance Premiums by Age in Weeping Water

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	$731
30s	USAA	$567
40s	USAA	$505
50s	USAA	$482
60s	USAA	$482
70s	USAA	$561

Cheapest Car Insurance Rates for Teen Drivers in Weeping Water,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 Weeping Water at $20 per month. At $2484 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	$116	$20
Farmers	$190	$32
North Star Mutual Insurance	$256	$43
Iowa Farm Bureau	$275	$46
Auto-Owners Insurance Co	$281	$47
Farmers Mutual of Nebraska	$936	$158
American National	$1174	$200
USAA	$1407	$237
Auto-Owners	$2117	$356
State Farm	$2245	$378
Progressive	$2289	$385
Allstate	$3340	$562
Farm Bureau	$4026	$685
Nationwide	$6326	$1055
American Family	$2484	$422

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 Weeping Water.

As young drivers face the highest rates in Weeping Water, Farm Bureau Mutual offers the cheapest auto insurance rates at $731 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 Weeping Water, American National P&C is the cheapest car insurance provider. At $343 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 Weeping Water is American Family, offering rates of around $1781 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$343	$57
IMT Insurance Company	$385	$66
Shelter	$410	$68
Iowa Farm Bureau	$477	$81
Farmers Mutual of Nebraska	$637	$107
Progressive	$1059	$178
USAA	$1321	$220
Auto-Owners	$2356	$401
Allstate	$2368	$394
Nationwide	$2606	$443
Farm Bureau	$3432	$572
State Farm	$5525	$939
American Family	$1781	$297

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Car Insurance Rates with An Accident in Weeping Water

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

Cheapest Car Insurance Companies after an At-Fault Accident in Weeping Water

The cheapest car insurance companies after an at-fault accident in Weeping Water include American National P&C and Farmers, offering $141 and $227, respectively. American Family is an expensive provider with an average six-month premium of $1248.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$141	$24
Farmers	$227	$38
Auto-Owners Insurance Co	$233	$39
North Star Mutual	$331	$57
Iowa Farm Bureau	$379	$63
North Star Mutual Insurance	$441	$75
American National	$599	$100
Farmers Mutual of Nebraska	$606	$102
Auto-Owners	$703	$118
USAA	$703	$118
State Farm	$747	$126
Progressive	$1003	$169
Allstate	$2270	$382
Farm Bureau	$2930	$499
Nationwide	$3016	$503
American Family	$1248	$208

Weeping Water Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Weeping Water NE. For example, the car insurance in Weeping Water after a DUI increases to $985 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Weeping Water auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1046	$174
One Med/PIP claim	$1046	$178
Not-at-fault accident	$1138	$190
Driving without lights	$1163	$198
Failure to show documents	$1163	$194
Driving with expired registration	$1174	$200
Failure to wear a seat belt	$1174	$196
Two Med/PIP claims	$1180	$201
Cell phone violation	$1187	$198
One comp claim	$1187	$202
Texting while driving	$1187	$198
Failure to yield	$1205	$205
Child safety restraint	$1211	$202
Driving too slowly	$1211	$206
Speeding in school zone	$1224	$204
Failure to stop at a red light	$1230	$209
Illegal turn	$1242	$207
Passing school bus	$1242	$211
Speeding 6 - 10 MPH over limit	$1242	$207
Following too closely	$1248	$212
Improper passing	$1261	$210
Speeding 11 - 15 MPH over limit	$1273	$216
Speeding 16 - 20 MPH over limit	$1291	$215
Wrong way/wrong lane	$1315	$224
Speeding 21 - 25 MPH over limit	$1328	$221
Operating a vehicle without permission	$1395	$237
In 65 MPH zone	$1413	$236
Two comp claims	$1426	$242
Open container	$1463	$244
At-fault accident - less than $1000	$1499	$254
At-fault accident - $1000-$2000	$1634	$272
At-fault accident - greater than $2000	$1634	$278
Reckless driving	$1854	$309
Driving with a suspended license	$1915	$325
Refusal to submit to a chemical test	$1977	$330
DUI	$2031	$345
Leaving scene of an accident/hit and run	$2062	$344
Racing	$2068	$351

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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 Weeping Water 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 Weeping Water.

The cheapest car insurance premiums in Weeping Water are offered by American National P&C at $159 for a six-month policy. However, it can be as expensive as $1040 with companies like American Family.

Weeping Water car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$159	$27
Farmers	$373	$62
IMT Insurance Company	$459	$78
Auto-Owners Insurance Co	$495	$82
Iowa Farm Bureau	$502	$85
Shelter	$557	$93
American National	$643	$109
Progressive	$795	$134
Farmers Mutual of Nebraska	$955	$161
USAA	$1248	$210
State Farm	$1273	$214
Auto-Owners	$1303	$219
Farm Bureau	$1321	$222
Allstate	$1902	$320
Nationwide	$4130	$702
American Family	$1040	$177

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 Weeping Water are offered by American National P&C at $123. However, it can be as expensive as $1151 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Weeping Water after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$123	$21
Auto-Owners Insurance Co	$263	$44
IMT Insurance Company	$306	$53
Iowa Farm Bureau	$312	$52
Farmers Mutual of Nebraska	$495	$83
State Farm	$697	$117
Auto-Owners	$795	$135
Progressive	$936	$158
USAA	$961	$164
Allstate	$1688	$281
Farm Bureau	$2208	$376
Nationwide	$2491	$415
American Family	$1151	$196

Car Insurance Price Trends in Weeping Water, Nebraska

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

The average cost of full coverage in the Weeping Water rose by $193 in December compared to $169 of November. In other words, there has been an increase by $24 when you compare December and November.

The average cost of liability insurance in the Weeping Water rose to $39 in December, compared to $38 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 Weeping Water?

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

What is the cheapest car insurance in Weeping Water?

The cheapest car insurance in Weeping Water is $46 per month for full coverage.

How much is car insurance in Weeping Water for teenagers?

Car insurance for teenagers costs $116 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 Weeping Water?

The average cost of car insurance is $934 for a six-month policy. It will cost around $162 per month to insure your car in Weeping Water.

Is car insurance expensive in Weeping Water?

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

What is the best car insurance in Weeping Water, NE?

The best car insurance company in Weeping Water NE is American National P&C, offering $275 for a six-month policy.