Cheapest Car Insurance for Drivers Under 21 in Nebraska

The type of vehicle you are trying to insure is a large factor when quoting the best insurance for drivers under 21. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The next list ranks auto insurance prices for a selection of the cheaper vehicles to buy coverage for.

Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location information which can raise or lower price quotes substantially.

Looking at the numbers, you can presume that models like the Ford Escape, Honda CR-V, and Hyundai Elantra are likely to be a few of the most budget-friendly vehicles to insure for minors. The price of auto insurance will tend to be more expensive anyway just because there is more liability exposure for drivers under 21, but generally speaking those models will tend to have the cheapest car insurance rates compared to other types of vehicles.

Comparing quotes for cost effective car insurance is not most people’s favorite thing to do, and deciding which company has the cheapest insurance rates for drivers under 21 involves a little more work. Prices could be much more than the average policy in Nebraska due to the higher likelihood of claims that comes with selling insurance for minors, but affordable insurance should be achievable if you do a thorough comparison. Every auto insurer has a proprietary method to set policy rates, so let’s begin by taking a look at the most affordable insurance companies in Nebraska.

Best Car Insurance Prices for Minors

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Safeco has some of the cheapest car insurance rates in Nebraska at around $788 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the lowest-priced Nebraska car insurance companies.

In the above example, if you are a policyholder with Allied and switched to The Hartford, you could realize yearly savings of around $92. Insureds with Farmers Mutual of Nebraska might save as much as $172 a year, and Farm Bureau Mutual customers might reduce prices by as much as $173 a year.

To discover how much you can save, click here to start a quote or quote rates from the companies below.

Understand that those prices are averaged across all ages of drivers and types of vehicles and are not factoring in a rate surcharge for drivers under 21. So the company that has the lowest price for you may not even be featured in the above rate chart. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for cheaper auto insurance for minors, one of the many components that auto insurance companies use to determine a rate quote is where your home is located in Nebraska. Regions with larger populations or more claims like Scottsbluff, Alliance, and South Sioux City are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally have lower rates.

The illustration below ranks the most expensive areas in Nebraska for drivers under 21 to buy an auto insurance policy in.

Price information shown is comparative as vehicle location can raise or lower prices greatly.

Careless Nebraska drivers pay higher rates

The best way to snag the cheapest auto insurance for drivers under 21 in Nebraska is to drive safely and avoid traffic citations and accidents. The example below shows how speeding tickets and at-fault fender-benders can drive up auto insurance rates for each different age group. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

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In the previous example, the average cost of auto insurance per year with no violations or accidents is $1,492. Receive two speeding tickets and the average cost swells to $2,061, an increase of $569 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for drivers under 21 jumps again to an average of $2,631. That’s an increase of $1,139, or $95 per month, just for being a less-than-perfect driver!