Best Cheap Auto Insurance in Phillips, NE (2021)

The average Phillips, NE auto insurance rates are $276 per month. The minimum auto insurance in Phillips is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Phillips, 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: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Phillips for teen drivers is Liberty Mutual
  • Average auto insurance rates in Phillips, NE for senior drivers are $1,881 per year
  • The average commute length in Phillips is 19.0 minutes

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

Compare auto insurance in Phillips to other Nebraska cities, including Grand Island auto insurance rates, Hastings auto insurance rates, and Columbus auto insurance rates to see how Phillips, Nebraska auto insurance rates stack up.

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

Minimum Auto Insurance in Phillips, Nebraska

Phillips, 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 Phillips, Nebraska.

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

Auto insurance rates in Phillips, 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 Phillips, 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 $1,778 $1,778 $1,616 $1,616 $2,948 $4,303 $1,739 $1,877
Farmers $2,153 $2,143 $1,931 $2,035 $8,209 $8,458 $2,438 $2,553
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,294 $3,567 $2,597 $3,153 $14,670 $16,466 $3,451 $3,830
Nationwide $1,655 $1,710 $1,483 $1,588 $3,762 $4,696 $1,900 $2,056
Progressive $2,066 $1,997 $1,695 $1,760 $7,946 $8,966 $2,478 $2,661
State Farm $1,496 $1,496 $1,326 $1,326 $4,269 $5,408 $1,657 $1,880
USAA $1,311 $1,309 $1,192 $1,230 $4,068 $4,869 $1,697 $1,896

Cheap Phillips, Nebraska Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Phillips, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $2,948 $4,303
Farmers $8,209 $8,458
GEICO $6,043 $7,918
Liberty Mutual $14,670 $16,466
Nationwide $3,762 $4,696
Progressive $7,946 $8,966
State Farm $4,269 $5,408
USAA $4,068 $4,869

Cheap Phillips, Nebraska Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Phillips, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,616 $1,616
Farmers $1,931 $2,035
GEICO $2,841 $2,734
Liberty Mutual $2,597 $3,153
Nationwide $1,483 $1,588
Progressive $1,695 $1,760
State Farm $1,326 $1,326
USAA $1,192 $1,230

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

Annual Phillips, 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 $2,161 $2,345 $2,161 $2,161
Farmers $3,165 $4,055 $3,955 $3,784
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,461 $6,448 $6,987 $6,618
Nationwide $1,673 $2,414 $3,442 $1,896
Progressive $3,141 $4,611 $3,512 $3,520
State Farm $2,174 $2,541 $2,357 $2,357
USAA $1,668 $2,099 $3,130 $1,889

Cheap Phillips, Nebraska Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Phillips, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,630
American Family $2,161
Farmers $3,955
GEICO $5,286
Liberty Mutual $6,987
Nationwide $3,442
Progressive $3,512
State Farm $2,357
USAA $3,130

Cheap Phillips, Nebraska Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Phillips, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $2,952 $2,024 $1,645
Farmers $4,288 $3,551 $3,380
GEICO $4,349 $3,775 $3,290
Liberty Mutual $9,210 $5,563 $4,363
Nationwide $2,832 $2,253 $1,983
Progressive $4,242 $3,560 $3,286
State Farm $3,424 $2,053 $1,594
USAA $2,926 $1,981 $1,682

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Cheap Phillips, Nebraska Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Phillips, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,189 $2,225
Farmers $3,740 $3,740
GEICO $3,746 $3,863
Liberty Mutual $6,379 $6,379
Nationwide $2,356 $2,356
Progressive $3,696 $3,696
State Farm $2,298 $2,417
USAA $2,171 $2,222

Cheap Phillips, Nebraska Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Phillips, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,196 $2,273 $2,153
Farmers $3,585 $3,688 $3,946
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,216 $6,347 $6,573
Nationwide $2,394 $2,346 $2,329
Progressive $3,542 $3,688 $3,859
State Farm $2,255 $2,353 $2,463
USAA $2,123 $2,193 $2,273

Best By Category: Cheapest Auto Insurance in Phillips, Nebraska

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

Best Annual Auto Insurance Rates by Company in Phillips, 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 Phillips, Nebraska Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Phillips, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,207
Farmers $3,740
GEICO $3,805
Liberty Mutual $6,379
Nationwide $2,356
Progressive $3,696
State Farm $2,357
USAA $2,197

What affects auto insurance rates in Phillips, Nebraska?

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

Phillips Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Phillips, Nebraska commute length is 19.0 minutes according to City-Data.

Compare Phillips, Nebraska Auto Insurance Quotes

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