Cheapest Car Insurance for Teenage Males in Nebraska

The car, truck, or SUV needing coverage is one of the main factors when shopping for low-priced insurance for teenage males. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models. The data below shows car insurance prices for the cheaper vehicles to insure in Nebraska.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific zip code location which can increase or decrease rates considerably.

Based upon these rates, we can tell that models like the Honda CR-V, Ford Escape, Chevrolet Traverse, Toyota Prius, and Subaru Forester are most likely going to be the most budget-friendly vehicles to insure for teen boys. Rates will tend to be higher just because there is more inherent risk for teenage males, but in general those particular vehicles will tend to have the best insurance prices available.

Finding dependable, cost effective insurance is tough enough, and deciding which company has the best insurance rates for teenage males will take a little more work. Premiums will probably be significantly greater than the state average due to the potentially higher risk that goes along with selling insurance for teen boys, but affordable insurance may be possible with some perseverence.

Every car insurance company uses their own formula for determining rates in each state, so first we will examine the insurance companies with the most affordable rates in Nebraska.

Find the Best Cheap Insurance for Teens

Click to Compare Rates Now

Safeco has some of the lowest car insurance rates in Nebraska at around $788 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the most economical Nebraska car insurance companies.

As the rates illustrate above, if you are a customer of The Hartford and switched to Safeco, you could earn an annual premium reduction of in the vicinity of $59. Policyholders with Auto-Owners could save as much as $108 a year, and Allied customers might reduce rates by $123 a year.

It’s important to note that these rates are averages across all drivers and vehicles and do not take into consideration a rate surcharge for teenage males. So the auto insurance company that can offer you the best price may not even be featured in the list of companies shown earlier. That’s why you need to get auto insurance quotes using your own personal information and vehicle type.

One of the many components that control the price of your policy is where you live in Nebraska. More densely populated places like Scottsbluff, Alliance, and South Sioux City will most likely have higher rates, whereas areas with less congestion benefit from lower coverage costs.

The following table lists the most costly cities in Nebraska for teenage males in which to purchase auto insurance.

Rate information is comparative as specific Nebraska zip code can lower or raise premium rates noticeably.

Discounts on the cheapest car insurance for teenage males in Nebraska

Insurance providers that offer coverage for teenage males could also offer discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. Large insurance companies and the discounts they provide are:

• Travelers policyholders can earn discounts including student away at school, early quote, new car, multi-car, save driver, and IntelliDrive.
• 21st Century has discounts for theft prevention, good student, 55 and older, homeowners, student driver, automatic seat belts, and defensive driver.
• State Farm offers discounts for anti-theft, defensive driving training, Steer Clear safe driver discount, student away at school, good student, passive restraint, and safe vehicle.
• GEICO offers premium reductions for federal employee, emergency military deployment, good student, anti-theft, and driver training.
• SAFECO includes discounts for teen safe driver, multi-car, drive less, bundle discounts, accident prevention training, safe driver, and anti-theft.
• AAA has savings for AAA membership discount, multi-policy, pay-in-full, good student, anti-theft, education and occupation, and good driver.

The information below compares car insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving violations, Nebraska state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, good student, paid-in-full, passive restraint, paperless filing, and continuous coverage discounts applied. When discounts are applied, the the average yearly reduction on insurance for teenage males is 28% or $789.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 16’, 5719,4093],[‘Age 30’, 2269,1647],[‘Age 40’, 2103,1523],[‘Age 50’, 1837,1331],[‘Age 60’, 1775,1289]]);var options = {title: ‘Comparison of Insurance Rates for Teenage Males’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Nebraska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The chart below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance for teenage males. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2527,2313,2073,1843],[‘Age 30’, 1767,1611,1435,1267],[‘Age 40’, 1751,1599,1429,1267],[‘Age 50’, 1531,1403,1255,1115],[‘Age 60’, 1459,1335,1193,1059],[‘Age 70’, 1583,1447,1299,1159]]);var options = {title: ‘Deductible Levels and Insurance Cost in Nebraska’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could pocket $276 a year by switching from a $100 deductible up to a $500 deductible, or save $416 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save up to $684 or more by selecting a higher deductible. When increasing deductibles, it will be necessary to have enough savings to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

How to get the cheapest car insurance for teenage males in Nebraska

It is possible to find better rates, and here are a few penny-pinching ideas that can help you quote cheaper coverage.

• Improve your credit rating
• Buy a safer vehicle
• Remain accident-free and save
• Violations and traffic tickets increase rates
• If possible, do not file small claims
• Comparison shop frequently

The last tip in the list is extremely significant, as we noted in the prior article. Prices charged by car insurance companies in Nebraska vary greatly, so don’t be hesitant to switch to a new company if a better rate can be found. Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty results in overpaying money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper auto insurance for teenage males.