Best Cheap Auto Insurance Quotes for 18 Year Olds in Nebraska

It’s impossible to miss the ads from auto insurance companies like Liberty Mutual and Progressive claiming the cheapest rates. So you should just choose any one of them, right?

Regrettably, it’s not quite that easy, as there are a lot of unknown aspects such as what liability limits you need, whether or not you are currently insured, if you want full coverage included, and the liability claim history for your vehicle model, that all factor into the price you pay. This article goes into detail about some of these factors and will hopefully give you a good start in finding the cheapest insurance.

Buying affordable insurance is not most people’s favorite thing to do, and deciding which companies quote the cheapest auto insurance rates for 18 year olds involves even more diligence. Coverage prices may be quite a bit more expensive than the state average because of the posibility of more claims associated with selling coverage for teen drivers, but reasonably-priced insurance should be possible with a little diligence. Each company uses a different method to determine premium rates, so first we will examine the most budget-friendly auto insurance companies in Nebraska.

Keep in mind that Nebraska auto insurance rates are determined by lots of factors that control the cost of a policy. Price variation is why it is critical to perform an extensive rate comparison when trying to find the cheapest insurance rates for 18 year olds. Insurance rates are influenced by many things and change substantially, so the cheapest company the last time you shopped your coverage around may now be quite expensive.

Cheapest Insurance Rates for Teens

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Safeco has some of the best car insurance rates in Nebraska at around $788 annually. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also qualify as some of the most economical Nebraska car insurance companies.

In the above example, if you are a customer of The Hartford and switched to Safeco, you might achieve annual savings of around $51. Customers with Allied might save as much as $123 a year, and Auto-Owners customers might realize rate reductions of up to $144 a year.

If you want to see how much you could save, click here or click several companies below for low rates.

Understand that those estimates are averages across all types of insureds and vehicles and do not take into consideration a price increase for 18 year olds. So the auto insurance company that is most affordable for your situation may not even be shown in the above list. That emphasizes why you need to compare rates from as many companies as possible using your own individual information.

The vehicle needing coverage is probably the largest consideration in finding cheaper coverage for 18 year olds. Vehicles with economical engines, good crash test ratings, or a low likelihood of liability claims will cost less to insure than higher performance models.

The next table features auto insurance prices for a handful of the most economical automobiles to insure.

Table data represents single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in Nebraska location which can increase or decrease insurance rates significantly.

By looking at the data, you can conclude that cars like the Honda Accord, Ford Escape, Honda CR-V, and Honda Odyssey are most likely to be the more affordable vehicles to insure for teen drivers. The price of auto insurance will tend to be more expensive because of the fact that there is more claim risk for 18 year olds, but generally speaking those vehicles will tend to have the cheapest rates compared to other types of vehicles.

When shopping for cheaper insurance for teen drivers, one of the many components that influence the policy price is where you choose to live in Nebraska. Cities with more crime and/or more people like Scottsbluff, McCook, and Gering will most likely have higher rates, whereas cities that are not as densely populated generally have lower rates.

The table below displays the highest-priced areas in Nebraska for 18 year olds to purchase car insurance in.

Premium amounts are comparative as the specific area where the vehicle is garaged can lower or raise coverage prices significantly.

How accidents and violations affect rates

The easiest way to get the best cheap auto insurance for 18 year olds in Nebraska is to be a good driver and avoid accidents and traffic citations. The example below demonstrates how speeding tickets and at-fault accidents drive up car insurance costs for each different age group. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of auto insurance in Nebraska per year with a clean driving record and no accidents is $1,092. Receive one speeding ticket and the average cost swells to $1,271, an increase of $179 each year. Now add two accidents along with the one speeding ticket and the yearly cost of auto insurance for 18 year olds goes up to an average of $2,886. That’s an increase of $1,794, or $150 per month, just for not being attentive to the road!

Nebraska auto insurance companies ranked

Selecting the highest-rated insurance provider can be difficult considering how many choices drivers have in Nebraska. The ranking data listed below could help you select which providers you want to consider purchasing coverage from.

The ratings below are only comprised of large nationwide companies, so companies that may only write in Nebraska will not be included in the list. To get price quotes from these top-rated insurers and more, click this link.

Geico, Progressive, Allstate, or State Farm: Who is cheapest?

If you want the best car insurance for teen drivers, probably the best companies to start with are Geico, Progressive, Allstate, and State Farm. When combined, they make up almost half of all auto insurance written. The next table shows pricing and service ratings, plus some optional coverages shoppers can find with each company.