Best Cheap Auto Insurance in Kearney, NE (2021)

The average Kearney, NE auto insurance rates are $268 per month. The minimum auto insurance in Kearney is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Kearney, 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 16, 2021

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Things to Remember

  • Average auto insurance rates in Kearney, NE for senior drivers are $1,845 per year
  • The average commute length in Kearney is 13.7 minutes
  • The cheapest auto insurance company in Kearney is American Family

Kearney, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Kearney 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 Kearney, Nebraska, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Kearney, Nebraska

Kearney, 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 Kearney, Nebraska.

Minimum Required Auto Insurance Coverage in Kearney, 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 Kearney, Nebraska Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Kearney, 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 Kearney, 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 $2,082 $1,994 $1,849 $1,868 $5,590 $5,916 $2,360 $2,410
American Family $1,670 $1,670 $1,521 $1,521 $2,788 $4,096 $1,634 $1,767
Farmers $2,013 $2,001 $1,803 $1,902 $7,801 $8,040 $2,275 $2,374
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,283 $3,564 $2,590 $3,152 $13,894 $15,612 $3,455 $3,832
Nationwide $1,639 $1,692 $1,468 $1,572 $3,740 $4,664 $1,883 $2,037
Progressive $2,157 $2,105 $1,771 $1,827 $7,820 $8,851 $2,590 $2,768
State Farm $1,363 $1,363 $1,203 $1,203 $3,796 $4,825 $1,507 $1,706
USAA $1,294 $1,292 $1,177 $1,214 $4,018 $4,810 $1,675 $1,870

Cheap Kearney, Nebraska Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kearney, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,590 $5,916
American Family $2,788 $4,096
Farmers $7,801 $8,040
GEICO $6,043 $7,918
Liberty Mutual $13,894 $15,612
Nationwide $3,740 $4,664
Progressive $7,820 $8,851
State Farm $3,796 $4,825
USAA $4,018 $4,810

Cheap Kearney, Nebraska Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kearney, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,849 $1,868
American Family $1,521 $1,521
Farmers $1,803 $1,902
GEICO $2,841 $2,734
Liberty Mutual $2,590 $3,152
Nationwide $1,468 $1,572
Progressive $1,771 $1,827
State Farm $1,203 $1,203
USAA $1,177 $1,214

Cheap Kearney, 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 Kearney, Nebraska compared to the annual auto insurance rates with a clean record in Kearney, Nebraska.

Annual Kearney, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,637 $2,956 $3,517 $2,925
American Family $2,037 $2,221 $2,037 $2,037
Farmers $2,984 $3,828 $3,733 $3,560
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,301 $6,230 $6,765 $6,395
Nationwide $1,661 $2,394 $3,410 $1,882
Progressive $3,187 $4,628 $3,558 $3,571
State Farm $1,962 $2,279 $2,121 $2,121
USAA $1,648 $2,072 $3,089 $1,865

Cheap Kearney, Nebraska Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kearney, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,517
American Family $2,037
Farmers $3,733
GEICO $5,286
Liberty Mutual $6,765
Nationwide $3,410
Progressive $3,558
State Farm $2,121
USAA $3,089

Cheap Kearney, Nebraska Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kearney, Nebraska

Insurance Company Poor Fair Good
Allstate $3,720 $2,836 $2,469
American Family $2,789 $1,908 $1,553
Farmers $4,035 $3,353 $3,191
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,917 $5,374 $4,227
Nationwide $2,807 $2,236 $1,968
Progressive $4,316 $3,591 $3,301
State Farm $3,079 $1,848 $1,435
USAA $2,889 $1,956 $1,661

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Cheap Kearney, Nebraska Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kearney, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,009 $3,009
American Family $2,067 $2,100
Farmers $3,526 $3,526
GEICO $3,746 $3,863
Liberty Mutual $6,173 $6,173
Nationwide $2,337 $2,337
Progressive $3,736 $3,736
State Farm $2,067 $2,175
USAA $2,143 $2,194

Cheap Kearney, Nebraska Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kearney, Nebraska

Insurance Company Low Medium High
Allstate $2,942 $3,003 $3,081
American Family $2,066 $2,145 $2,039
Farmers $3,375 $3,475 $3,729
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,015 $6,143 $6,361
Nationwide $2,380 $2,327 $2,303
Progressive $3,590 $3,728 $3,891
State Farm $2,029 $2,117 $2,216
USAA $2,097 $2,165 $2,244

Best By Category: Cheapest Auto Insurance in Kearney, Nebraska

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

Best Annual Auto Insurance Rates by Company in Kearney, Nebraska

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

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The Cheapest Kearney, Nebraska Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kearney, Nebraska

Insurance Company Average Annual Rates
Allstate $3,009
American Family $2,083
Farmers $3,526
GEICO $3,805
Liberty Mutual $6,173
Nationwide $2,337
Progressive $3,736
State Farm $2,121
USAA $2,169

What affects auto insurance rates in Kearney, Nebraska?

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

Kearney Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kearney, Nebraska commute length is 13.7 minutes according to City-Data.

Compare Kearney, Nebraska Auto Insurance Quotes

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