Whenever people write about auto insurance, the word affordable really should not be used as a descriptor for car insurance rates. Nonetheless, cheap car insurance for teenagers can be extremely hard to find. Don’t let that spoil your day, because we will show you how you can quote and buy auto insurance that won’t break your budget.
When shopping for the cheapest insurance for teen drivers, one of the many criteria that influence rate quotes is where you call home. Areas that are more densely populated or have higher claim rates like Gering, McCook, and Alliance will most likely have higher rates, whereas more rural areas profit from lower rates.
The following table displays the highest-priced places in Nebraska for teenagers to purchase a policy in.
Rank | City | Annual Premium |
---|---|---|
1 | Gering | $1,343 |
2 | Scottsbluff | $1,334 |
3 | McCook | $1,318 |
4 | Lexington | $1,316 |
5 | Alliance | $1,314 |
6 | South Sioux City | $1,290 |
7 | North Platte | $1,262 |
8 | Omaha | $1,257 |
9 | Crete | $1,234 |
10 | Blair | $1,224 |
11 | Beatrice | $1,222 |
12 | Nebraska City | $1,212 |
13 | Seward | $1,191 |
14 | Kearney | $1,188 |
15 | Hastings | $1,182 |
16 | Norfolk | $1,159 |
17 | Bellevue | $1,155 |
18 | York | $1,145 |
19 | Columbus | $1,139 |
20 | Grand Island | $1,136 |
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Prices are estimated as the specific geographic location can impact coverage prices noticeably.
Finding dependable, cost effective auto insurance is not the easiest thing to do, and finding out which company has the cheapest auto insurance rates for teenagers will involve a little more work. Policy rates will be quite a bit higher than the state average because of the additional risk that goes along with selling coverage for teen drivers, but economical coverage may be possible if you thoroughly shop around. Every car insurance company uses different criteria for filing rates in each state, so let’s begin by taking a look at the overall cheapest auto insurance companies in Nebraska.
It’s important to understand that Nebraska auto insurance rates are based on many factors that can increase your annual premium. Simply getting older, getting divorced, or getting a speeding ticket may cause policy rate changes that can make some companies more affordable than the competition.
Find Cheaper Car Insurance for Teens
Rank | Company | Cost Per Year |
---|---|---|
1 | Safeco | $804 |
2 | The Hartford | $865 |
3 | Allied | $921 |
4 | Auto-Owners | $932 |
5 | Farm Bureau Mutual | $990 |
6 | Nationwide | $997 |
7 | Farmers Mutual of Nebraska | $1,009 |
8 | American National | $1,054 |
9 | State Farm | $1,075 |
10 | General Casualty | $1,092 |
11 | USAA | $1,116 |
12 | American Family | $1,246 |
13 | California Casualty | $1,270 |
14 | GEICO | $1,308 |
15 | MetLife | $1,319 |
16 | EMC | $1,340 |
17 | Iowa Mutual | $1,347 |
18 | Progressive | $1,417 |
19 | Farmers | $1,650 |
20 | North Star | $1,710 |
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Safeco generally has some of the lowest car insurance rates in Nebraska at around $804 annually. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual also qualify as some of the more affordable Nebraska car insurance companies.
In the rate table above, if you currently have a policy with Auto-Owners and switched to Safeco, you could earn a yearly price reduction of in the vicinity of $128. Customers with Farm Bureau Mutual might save as much as $186 a year, and Nationwide customers might lower prices by $193 a year.
Be aware that those policy rates are averaged for all insureds and vehicles and do not take into consideration a rate increase for teenagers. So the car insurance company that is best suited for you may not even be included in the company chart above. That helps illustrate why you need to get rate quotes using your own individual information.
Finding the right auto insurance provider is hard considering how many different insurance companies sell coverage in Nebraska. The company rank data displayed below may help you select which car insurance providers to look at purchasing a policy from. These ratings are only comprised of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in this list.
When it comes to auto insurance for teen drivers in Nebraska, the four most popular companies are Geico, Progressive, State Farm, and Allstate. When combined, they make up nearly half of all auto insurance written. Each one has a little bit different set of discounts and options that policyholders can choose from. The data below ranks some of the different features that are available for policyholders.
Geico | Progressive | State Farm | Allstate | |
---|---|---|---|---|
Price Overall | 1st | 3rd | 2nd | 4th |
Claims Handling | 3rd | 4th | 2nd | 1st |
Discounts Offered | 2nd | 4th | 3rd | 1st |
Client Satisfaction | 1st | 3rd | 4th | 2nd |
Recommend by customers | 87% | 88% | 88% | 86% |
New car replacement insurance | No | No | No | Yes |
Emergency roadside service | Yes | Yes | Yes | Yes |
Mechnical breakdown | Yes | Yes | No | No |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Rating based on usage | No | Yes | Yes | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Where to buy | From a Geico agent or online | Indpendent agents or online | State Farm-only agents | Allstate exclusive agents |
Number of agents | 150+ | 30,000+ | 18,000+ | 11,000+ |
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It is possible to find better rates, and here are many thrifty solutions that can help Nebraska drivers locate cheap auto insurance.
That last tip is very necessary, as was discussed in this write-up. Prices in Nebraska adjust often, so don’t hesitate to switch to a new company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that devotedness results in you overpaying money that could be going to better use. If you have a few minutes, compare prices to find cheaper car insurance for teenagers.