Best Cheap Auto Insurance in Hardy, NE (2021)

The average Hardy, NE auto insurance rates are $270 per month. The minimum auto insurance in Hardy is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Hardy, Nebraska, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Hardy for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Hardy is American Family
  • Average auto insurance rates in Hardy, NE for senior drivers are $1,863 per year

Hardy, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Hardy can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hardy, Nebraska, including driving record, credit, commute time, and more.

Compare auto insurance in Hardy to other Nebraska cities, including Grand Island auto insurance rates, North Platte auto insurance rates, and Lincoln auto insurance rates to see how Hardy, Nebraska auto insurance rates stack up.

Before you buy Hardy, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hardy, Nebraska auto insurance quotes.

Minimum Auto Insurance in Hardy, Nebraska

Hardy, Nebraska auto insurance laws require that you have at least the Nebraska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hardy, Nebraska.

Minimum Required Auto Insurance Coverage in Hardy, Nebraska

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Hardy, Nebraska Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hardy, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hardy, Nebraska

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,096 $1,995 $1,861 $1,876 $5,835 $6,125 $2,358 $2,410
American Family $1,734 $1,734 $1,576 $1,576 $2,882 $4,216 $1,696 $1,832
Farmers $2,230 $2,223 $2,001 $2,101 $8,379 $8,653 $2,528 $2,660
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,101 $3,368 $2,450 $2,983 $13,109 $14,737 $3,259 $3,611
Nationwide $1,655 $1,710 $1,483 $1,588 $3,762 $4,696 $1,900 $2,056
Progressive $1,986 $1,936 $1,628 $1,684 $7,297 $8,252 $2,385 $2,556
State Farm $1,451 $1,451 $1,272 $1,272 $3,925 $5,005 $1,602 $1,815
USAA $1,414 $1,412 $1,282 $1,324 $4,410 $5,293 $1,833 $2,049

Cheap Hardy, Nebraska Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hardy, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Hardy, Nebraska.

Annual Auto Insurance Rates for Teen Drivers in Hardy, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $2,882 $4,216
Farmers $8,379 $8,653
GEICO $6,043 $7,918
Liberty Mutual $13,109 $14,737
Nationwide $3,762 $4,696
Progressive $7,297 $8,252
State Farm $3,925 $5,005
USAA $4,410 $5,293

Cheap Hardy, Nebraska Auto Insurance for Seniors

What are senior auto insurance rates in Hardy, Nebraska? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hardy, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,576 $1,576
Farmers $2,001 $2,101
GEICO $2,841 $2,734
Liberty Mutual $2,450 $2,983
Nationwide $1,483 $1,588
Progressive $1,628 $1,684
State Farm $1,272 $1,272
USAA $1,282 $1,324

Cheap Hardy, Nebraska Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hardy, Nebraska compared to the annual auto insurance rates with a clean record in Hardy, Nebraska.

Annual Hardy, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,004 $3,630 $2,980
American Family $2,110 $2,294 $2,110 $2,110
Farmers $3,258 $4,166 $4,063 $3,900
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,003 $5,884 $6,386 $6,036
Nationwide $1,673 $2,414 $3,442 $1,896
Progressive $2,954 $4,298 $3,298 $3,311
State Farm $2,067 $2,381 $2,224 $2,224
USAA $1,804 $2,270 $3,391 $2,044

Cheap Hardy, Nebraska Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hardy, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Hardy, Nebraska to find the best deal.

Annual Auto Insurance Rates After a DUI in Hardy, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,630
American Family $2,110
Farmers $4,063
GEICO $5,286
Liberty Mutual $6,386
Nationwide $3,442
Progressive $3,298
State Farm $2,224
USAA $3,391

Cheap Hardy, Nebraska Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hardy, Nebraska annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hardy, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $2,885 $1,976 $1,607
Farmers $4,413 $3,651 $3,476
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,415 $5,075 $3,992
Nationwide $2,832 $2,253 $1,983
Progressive $4,001 $3,331 $3,064
State Farm $3,230 $1,938 $1,505
USAA $3,172 $2,143 $1,817

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Cheap Hardy, Nebraska Auto Insurance Rates By Commute

Commute length and annual mileage affect Hardy, Nebraska auto insurance. Find the cheapest annual Hardy, Nebraska auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hardy, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,138 $2,173
Farmers $3,847 $3,847
GEICO $3,746 $3,863
Liberty Mutual $5,827 $5,827
Nationwide $2,356 $2,356
Progressive $3,465 $3,465
State Farm $2,167 $2,281
USAA $2,349 $2,405

Cheap Hardy, Nebraska Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hardy, Nebraska? Check out the comparison of annual Hardy, Nebraska auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hardy, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,143 $2,220 $2,105
Farmers $3,700 $3,797 $4,045
GEICO $3,714 $3,801 $3,899
Liberty Mutual $5,664 $5,796 $6,022
Nationwide $2,394 $2,346 $2,329
Progressive $3,333 $3,458 $3,605
State Farm $2,137 $2,220 $2,315
USAA $2,305 $2,374 $2,453

Best By Category: Cheapest Auto Insurance in Hardy, Nebraska

Compare the cheapest auto insurance companies in Hardy, Nebraska in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hardy, Nebraska

Category Insurance Company
Teenagers American Family
Seniors State Farm
Clean Record Nationwide
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation Nationwide

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The Cheapest Hardy, Nebraska Auto Insurance Companies

What auto insurance companies in Hardy, Nebraska are the cheapest? Compare the top Hardy, Nebraska auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hardy, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,156
Farmers $3,847
GEICO $3,805
Liberty Mutual $5,827
Nationwide $2,356
Progressive $3,465
State Farm $2,224
USAA $2,377

What affects auto insurance rates in Hardy, Nebraska?

There are a lot of reasons why auto insurance rates in Hardy, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hardy, Nebraska. Many local factors may affect your Hardy auto insurance rates.

Hardy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hardy, Nebraska commute length is 11.4 minutes according to City-Data.

Compare Hardy, Nebraska Auto Insurance Quotes

Before you buy Hardy, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hardy, Nebraska auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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