Best Cheap Auto Insurance in Spencer, NE (2021)

The average Spencer, NE auto insurance rates are $287 per month. The minimum auto insurance in Spencer is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Spencer, Nebraska, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Spencer, NE for senior drivers are $1,997 per year
  • The average commute length in Spencer is 21.6 minutes
  • The minimum auto insurance required in Spencer, Nebraska is 25/50/25

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

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

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

Minimum Auto Insurance in Spencer, Nebraska

Spencer, 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 Spencer, Nebraska.

Minimum Required Auto Insurance Coverage in Spencer, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Spencer, 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 Spencer, 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 $2,357 $2,256 $2,076 $2,095 $6,281 $6,608 $2,690 $2,762
American Family $1,834 $1,834 $1,663 $1,663 $3,011 $4,359 $1,794 $1,931
Farmers $2,424 $2,419 $2,177 $2,287 $8,998 $9,285 $2,741 $2,880
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,399 $3,695 $2,681 $3,260 $13,948 $15,674 $3,590 $3,991
Nationwide $1,802 $1,869 $1,608 $1,730 $3,946 $4,956 $2,050 $2,223
Progressive $2,242 $2,185 $1,834 $1,902 $8,141 $9,208 $2,688 $2,873
State Farm $1,608 $1,608 $1,390 $1,390 $4,113 $5,283 $1,769 $2,004
USAA $1,424 $1,430 $1,281 $1,337 $4,260 $5,137 $1,862 $2,096

Cheap Spencer, Nebraska Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spencer, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $3,011 $4,359
Farmers $8,998 $9,285
GEICO $6,043 $7,918
Liberty Mutual $13,948 $15,674
Nationwide $3,946 $4,956
Progressive $8,141 $9,208
State Farm $4,113 $5,283
USAA $4,260 $5,137

Cheap Spencer, Nebraska Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spencer, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,663 $1,663
Farmers $2,177 $2,287
GEICO $2,841 $2,734
Liberty Mutual $2,681 $3,260
Nationwide $1,608 $1,730
Progressive $1,834 $1,902
State Farm $1,390 $1,390
USAA $1,281 $1,337

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

Annual Spencer, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,970 $3,327 $3,969 $3,297
American Family $2,215 $2,399 $2,215 $2,215
Farmers $3,519 $4,494 $4,384 $4,208
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,400 $6,327 $6,888 $6,504
Nationwide $1,773 $2,583 $3,717 $2,019
Progressive $3,310 $4,814 $3,698 $3,714
State Farm $2,244 $2,547 $2,396 $2,396
USAA $1,792 $2,242 $3,351 $2,029

Cheap Spencer, Nebraska Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spencer, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,969
American Family $2,215
Farmers $4,384
GEICO $5,286
Liberty Mutual $6,888
Nationwide $3,717
Progressive $3,698
State Farm $2,396
USAA $3,351

Cheap Spencer, Nebraska Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spencer, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $3,020 $2,076 $1,687
Farmers $4,770 $3,936 $3,748
GEICO $4,349 $3,775 $3,290
Liberty Mutual $9,093 $5,453 $4,293
Nationwide $3,046 $2,403 $2,120
Progressive $4,488 $3,733 $3,432
State Farm $3,480 $2,087 $1,620
USAA $3,151 $2,118 $1,791

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Spencer, Nebraska Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spencer, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,242 $2,280
Farmers $4,152 $4,152
GEICO $3,746 $3,863
Liberty Mutual $6,280 $6,280
Nationwide $2,523 $2,523
Progressive $3,884 $3,884
State Farm $2,334 $2,457
USAA $2,325 $2,381

Cheap Spencer, Nebraska Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spencer, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,255 $2,329 $2,199
Farmers $3,987 $4,096 $4,372
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,130 $6,251 $6,459
Nationwide $2,586 $2,509 $2,474
Progressive $3,728 $3,874 $4,050
State Farm $2,317 $2,392 $2,478
USAA $2,284 $2,350 $2,427

Best By Category: Cheapest Auto Insurance in Spencer, Nebraska

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

Best Annual Auto Insurance Rates by Company in Spencer, Nebraska

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The Cheapest Spencer, Nebraska Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spencer, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,261
Farmers $4,152
GEICO $3,805
Liberty Mutual $6,280
Nationwide $2,523
Progressive $3,884
State Farm $2,396
USAA $2,353

What affects auto insurance rates in Spencer, Nebraska?

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

Spencer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spencer, Nebraska commute length is 21.6 minutes according to City-Data.

Compare Spencer, Nebraska Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption