Best Scottsbluff, Nebraska Auto Insurance in 2025
The average Scottsbluff, NE auto insurance rates are $300 per month. The minimum auto insurance in Scottsbluff is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Scottsbluff, Nebraska, compare quotes from multiple companies.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated September 2024
- The most expensive auto insurance company in Scottsbluff for teen drivers is Liberty Mutual
- Average auto insurance rates in Scottsbluff, NE for senior drivers are $2,107 per year
- The average commute length in Scottsbluff is 10.8 minutes
Scottsbluff, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Scottsbluff 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 Scottsbluff, Nebraska, including driving record, credit, commute time, and more.
Compare auto insurance in Scottsbluff to other Nebraska cities, including Bellevue auto insurance rates, North Platte auto insurance rates, and Grand Island auto insurance rates to see how Scottsbluff, Nebraska auto insurance rates stack up.
Before you buy Scottsbluff, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Scottsbluff, Nebraska auto insurance quotes.
Minimum Auto Insurance in Scottsbluff, Nebraska
Scottsbluff, 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 Scottsbluff, 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 Scottsbluff, Nebraska Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Scottsbluff, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,357 | $2,256 | $2,076 | $2,095 | $6,281 | $6,608 | $2,690 | $2,762 |
| American Family | $1,756 | $1,756 | $1,595 | $1,595 | $2,897 | $4,219 | $1,718 | $1,853 |
| Farmers | $2,312 | $2,305 | $2,076 | $2,181 | $8,568 | $8,839 | $2,608 | $2,735 |
| Geico | $3,833 | $3,768 | $3,747 | $3,606 | $7,445 | $9,812 | $3,441 | $3,354 |
| Liberty Mutual | $3,411 | $3,709 | $2,691 | $3,275 | $13,959 | $15,691 | $3,602 | $4,001 |
| Nationwide | $1,782 | $1,846 | $1,592 | $1,711 | $3,970 | $4,975 | $2,035 | $2,206 |
| Progressive | $2,505 | $2,446 | $2,056 | $2,127 | $8,922 | $10,096 | $3,001 | $3,187 |
| State Farm | $1,556 | $1,556 | $1,372 | $1,372 | $4,311 | $5,489 | $1,721 | $1,947 |
| USAA | $1,504 | $1,508 | $1,354 | $1,410 | $4,552 | $5,488 | $1,965 | $2,209 |
Cheap Scottsbluff, Nebraska Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Scottsbluff, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Scottsbluff, Nebraska.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,281 | $6,608 |
| American Family | $2,897 | $4,219 |
| Farmers | $8,568 | $8,839 |
| Geico | $7,445 | $9,812 |
| Liberty Mutual | $13,959 | $15,691 |
| Nationwide | $3,970 | $4,975 |
| Progressive | $8,922 | $10,096 |
| State Farm | $4,311 | $5,489 |
| USAA | $4,552 | $5,488 |
Cheap Scottsbluff, Nebraska Auto Insurance for Seniors
What are senior auto insurance rates in Scottsbluff, Nebraska? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,076 | $2,095 |
| American Family | $1,595 | $1,595 |
| Farmers | $2,076 | $2,181 |
| Geico | $3,747 | $3,606 |
| Liberty Mutual | $2,691 | $3,275 |
| Nationwide | $1,592 | $1,711 |
| Progressive | $2,056 | $2,127 |
| State Farm | $1,372 | $1,372 |
| USAA | $1,354 | $1,410 |
Cheap Scottsbluff, 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 Scottsbluff, Nebraska compared to the annual auto insurance rates with a clean record in Scottsbluff, Nebraska.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,970 | $3,327 | $3,969 | $3,297 |
| American Family | $2,128 | $2,312 | $2,128 | $2,128 |
| Farmers | $3,353 | $4,281 | $4,176 | $4,001 |
| Geico | $3,081 | $4,482 | $6,834 | $5,106 |
| Liberty Mutual | $5,412 | $6,341 | $6,901 | $6,516 |
| Nationwide | $1,773 | $2,575 | $3,695 | $2,016 |
| Progressive | $3,662 | $5,310 | $4,092 | $4,106 |
| State Farm | $2,237 | $2,594 | $2,415 | $2,415 |
| USAA | $1,900 | $2,381 | $3,562 | $2,152 |
Cheap Scottsbluff, Nebraska Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Scottsbluff, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Scottsbluff, Nebraska to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,969 |
| American Family | $2,128 |
| Farmers | $4,176 |
| Geico | $6,834 |
| Liberty Mutual | $6,901 |
| Nationwide | $3,695 |
| Progressive | $4,092 |
| State Farm | $2,415 |
| USAA | $3,562 |
Cheap Scottsbluff, Nebraska Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Scottsbluff, Nebraska annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,211 | $3,196 | $2,766 |
| American Family | $2,905 | $1,993 | $1,622 |
| Farmers | $4,537 | $3,750 | $3,572 |
| Geico | $5,585 | $4,834 | $4,208 |
| Liberty Mutual | $9,109 | $5,465 | $4,303 |
| Nationwide | $3,030 | $2,399 | $2,114 |
| Progressive | $4,965 | $4,124 | $3,788 |
| State Farm | $3,509 | $2,104 | $1,633 |
| USAA | $3,345 | $2,249 | $1,902 |
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Cheap Scottsbluff, Nebraska Auto Insurance Rates By Commute
Commute length and annual mileage affect Scottsbluff, Nebraska auto insurance. Find the cheapest annual Scottsbluff, Nebraska auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,391 | $3,391 |
| American Family | $2,156 | $2,191 |
| Farmers | $3,953 | $3,953 |
| Geico | $4,799 | $4,953 |
| Liberty Mutual | $6,292 | $6,292 |
| Nationwide | $2,515 | $2,515 |
| Progressive | $4,292 | $4,292 |
| State Farm | $2,353 | $2,478 |
| USAA | $2,469 | $2,528 |
Cheap Scottsbluff, Nebraska Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Scottsbluff, Nebraska? Check out the comparison of annual Scottsbluff, Nebraska auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,332 | $3,386 | $3,454 |
| American Family | $2,161 | $2,238 | $2,122 |
| Farmers | $3,799 | $3,901 | $4,159 |
| Geico | $4,799 | $4,872 | $4,956 |
| Liberty Mutual | $6,138 | $6,262 | $6,477 |
| Nationwide | $2,570 | $2,502 | $2,471 |
| Progressive | $4,103 | $4,280 | $4,494 |
| State Farm | $2,312 | $2,412 | $2,523 |
| USAA | $2,428 | $2,495 | $2,573 |
Best By Category: Cheapest Auto Insurance in Scottsbluff, Nebraska
Compare the cheapest auto insurance companies in Scottsbluff, Nebraska in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | State Farm |
| Clean Record | Nationwide |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | Nationwide |
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The Cheapest Scottsbluff, Nebraska Auto Insurance Companies
What auto insurance companies in Scottsbluff, Nebraska are the cheapest? Compare the top Scottsbluff, Nebraska auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,391 |
| American Family | $2,174 |
| Farmers | $3,953 |
| Geico | $4,876 |
| Liberty Mutual | $6,292 |
| Nationwide | $2,515 |
| Progressive | $4,292 |
| State Farm | $2,415 |
| USAA | $2,499 |
What affects auto insurance rates in Scottsbluff, Nebraska?
There are a lot of reasons why auto insurance rates in Scottsbluff, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Scottsbluff, Nebraska. Many local factors may affect your Scottsbluff auto insurance rates.
Scottsbluff Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Scottsbluff, Nebraska commute length is 10.8 minutes according to City-Data.
Compare Scottsbluff, Nebraska Auto Insurance Quotes
Before you buy Scottsbluff, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Scottsbluff, Nebraska auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage or bodily injury resulting from a car accident or other incidents involving vehicles. It typically includes coverage for liability, collision, comprehensive, and medical payments.
Is auto insurance mandatory in Scottsbluff, NE?
Yes, auto insurance is mandatory in Scottsbluff, NE, as it is in most states. Nebraska law requires all drivers to carry a minimum amount of liability insurance to cover bodily injury and property damage in case of an accident.
What are the minimum auto insurance requirements in Scottsbluff, NE?
In Scottsbluff, NE, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
What does liability insurance cover?
Liability insurance covers the cost of injuries or property damage that you may cause to others in an accident for which you are found at fault. It includes both bodily injury liability (medical expenses, lost wages, pain and suffering) and property damage liability (vehicle repair or replacement, damage to structures).
What is collision coverage?
Collision coverage is a type of auto insurance that covers the cost of repairs to your vehicle in case of a collision with another vehicle or object, regardless of fault. It helps to repair or replace your car if it’s damaged in an accident.
What is comprehensive coverage?
Comprehensive coverage is an optional auto insurance coverage that protects your vehicle against non-collision-related incidents such as theft, vandalism, fire, natural disasters, falling objects, and animal collisions. It helps cover the cost of repairing or replacing your car in these situations.
Are there any additional coverage options available in Scottsbluff, NE?
Yes, in addition to liability, collision, and comprehensive coverage, you can choose to add optional coverages to your auto insurance policy in Scottsbluff, NE. Some common additional coverages include uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance coverage.
How are auto insurance premiums determined in Scottsbluff, NE?
Auto insurance premiums in Scottsbluff, NE are typically determined based on various factors, including your age, driving record, type of vehicle, annual mileage, credit history, and the coverage limits you choose. Insurance companies may also consider local factors such as the crime rate and accident statistics in your area.
Can I get discounts on auto insurance in Scottsbluff, NE?
Yes, many insurance companies offer discounts on auto insurance in Scottsbluff, NE. Common discounts include safe driver discounts, multi-vehicle discounts, multi-policy discounts (bundling auto and home insurance), good student discounts, and discounts for certain safety features in your vehicle. It’s best to check with your insurance provider to see which discounts you may be eligible for.
How can I find the best auto insurance policy in Scottsbluff, NE?
To find the best auto insurance policy in Scottsbluff, NE, it’s advisable to compare quotes from multiple insurance companies. You can contact insurance agents or use online comparison tools to get quotes based on your specific needs and preferences. Remember to consider not only the price but also the coverage, customer service, and reputation of the insurance company.
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