Who Has the Cheapest Auto Insurance Quotes for Teenagers in Nebraska?

Who Has the Cheapest Auto Insurance Quotes for Teenagers in Nebraska?

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.

How much does car insurance cost in Nebraska?
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.

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Cheapest Nebraska car insurance ranked by price
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.

Top 10 Major Auto Insurers Overall in Nebraska

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Major Auto Insurers in Nebraska Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Which car insurance company is best?

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, and Allstate Compared
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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How to find economical auto insurance for teenagers

It is possible to find better rates, and here are many thrifty solutions that can help Nebraska drivers locate cheap auto insurance.

  • Assess whether full coverage is needed
  • Buy your auto and home insurance from the same company and save
  • Good credit can save money
  • Vehicles with safetly features generally cost less to insure
  • Prevent price hikes by avoiding at-fault accidents
  • Shop around once a year for cheaper rates

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.