Compare Ames, NE Car Insurance Rates (2021)

Car insurance in Ames, NE averages $282 a month. Ames, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ames car insurance rates, compare quotes from the top car insurance companies in Ames, NE.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ames, NE are $3,378/year
  • The cheapest car insurance company in Ames for teen drivers is American Family
  • Average car insurance rates in Ames, NE after a DUI are $3,913/year

If you need to buy Ames, Nebraska car insurance, the options can be confusing. Everything you need to know about car insurance in Ames, NE is right here.

You’ll find Ames car insurance rates, the cheapest Ames, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Ames, Nebraska car insurance rates to Norfolk car insurance rates, Bellevue car insurance rates, and Kearney car insurance rates.

Ready to find affordable Ames, NE car insurance today? Enter your ZIP code for fast, free Ames car insurance quotes.

Cheapest Ames, NE Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ames, NE car insurance rates? Every Ames, Nebraska car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ames, 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 $2,174 $2,066 $1,936 $1,953 $6,170 $6,483 $2,436 $2,484
American Family $1,809 $1,809 $1,652 $1,652 $3,066 $4,564 $1,770 $1,923
Farmers $2,322 $2,304 $2,081 $2,199 $9,024 $9,279 $2,628 $2,740
GEICO $2,747 $2,695 $2,692 $2,591 $5,684 $7,440 $2,478 $2,399
Liberty Mutual $3,309 $3,590 $2,613 $3,182 $14,344 $16,119 $3,468 $3,842
Nationwide $1,860 $1,923 $1,664 $1,784 $4,248 $5,308 $2,137 $2,315
Progressive $1,919 $1,838 $1,576 $1,646 $7,669 $8,624 $2,291 $2,452
State Farm $1,645 $1,645 $1,441 $1,441 $4,446 $5,679 $1,817 $2,055
USAA $1,343 $1,339 $1,221 $1,258 $4,211 $5,042 $1,736 $1,937

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Minimum Car Insurance in Ames, NE

Every driver must carry the minimum car insurance in Ames, NE. Take a look at the Nebraska car insurance requirements.

Minimum Required Car Insurance Coverage in Ames, 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

Cheapest Ames, NE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ames, NE. Compare credit history car insurance rates in Ames from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ames, Nebraska

Insurance Company Poor Fair Good
Allstate $3,989 $3,034 $2,615
American Family $3,062 $2,083 $1,697
Farmers $4,665 $3,870 $3,682
GEICO $4,105 $3,563 $3,104
Liberty Mutual $9,106 $5,500 $4,320
Nationwide $3,195 $2,538 $2,232
Progressive $4,000 $3,379 $3,127
State Farm $3,664 $2,196 $1,704
USAA $3,012 $2,039 $1,731

Cheapest Ames, NE Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ames, NE to rates for a clean record with top companies.

Annual Ames, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,781 $3,144 $3,810 $3,117
American Family $2,235 $2,419 $2,235 $2,235
Farmers $3,441 $4,421 $4,313 $4,114
GEICO $2,306 $3,313 $4,992 $3,752
Liberty Mutual $5,408 $6,376 $6,911 $6,538
Nationwide $1,878 $2,720 $3,889 $2,132
Progressive $2,970 $4,387 $3,326 $3,325
State Farm $2,343 $2,699 $2,521 $2,521
USAA $1,716 $2,160 $3,224 $1,943

Cheapest Ames, NE Car Insurance for Teen Drivers

Teen car insurance in Ames, NE can be expensive. Take a look at rates from the top car insurance companies in Ames for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ames, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,170 $6,483
American Family $3,066 $4,564
Farmers $9,024 $9,279
GEICO $5,684 $7,440
Liberty Mutual $14,344 $16,119
Nationwide $4,248 $5,308
Progressive $7,669 $8,624
State Farm $4,446 $5,679
USAA $4,211 $5,042

Cheapest Ames, NE Car Insurance for Seniors

Take a look at Ames, NE senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ames, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,953
American Family $1,652 $1,652
Farmers $2,081 $2,199
GEICO $2,692 $2,591
Liberty Mutual $2,613 $3,182
Nationwide $1,664 $1,784
Progressive $1,576 $1,646
State Farm $1,441 $1,441
USAA $1,221 $1,258

Cheapest Ames, NE Car Insurance Rates After a DUI

A DUI in Ames, NE increases car insurance rates. Compare Ames, Nebraska DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ames, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,810
American Family $2,235
Farmers $4,313
GEICO $4,992
Liberty Mutual $6,911
Nationwide $3,889
Progressive $3,326
State Farm $2,521
USAA $3,224

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Cheapest Ames, NE Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ames, NE by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ames, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,213 $3,213
American Family $2,262 $2,299
Farmers $4,072 $4,072
GEICO $3,535 $3,646
Liberty Mutual $6,309 $6,309
Nationwide $2,655 $2,655
Progressive $3,502 $3,502
State Farm $2,456 $2,586
USAA $2,235 $2,287

The Best Cheap Car Insurance Companies in Ames, NE

Take a look at a side-by-side comparison of the top car insurance companies in Ames, NE to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ames, Nebraska

Insurance Company Average Annual Rates
Allstate $3,213
American Family $2,281
Farmers $4,072
GEICO $3,591
Liberty Mutual $6,309
Nationwide $2,655
Progressive $3,502
State Farm $2,521
USAA $2,261

Category Winners: Cheapest Car Insurance in Ames, Nebraska

Find the cheapest car insurance companies in Ames, NE for each category right here.

Best Annual Car Insurance Rates by Company in Ames, 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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Cheapest Ames, NE Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ames car insurance rates. Find the cheapest Ames, NE car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ames, Nebraska

Insurance Company Low Medium High
Allstate $3,124 $3,207 $3,308
American Family $2,254 $2,348 $2,240
Farmers $3,894 $4,013 $4,309
GEICO $3,506 $3,587 $3,679
Liberty Mutual $6,129 $6,274 $6,523
Nationwide $2,699 $2,644 $2,622
Progressive $3,326 $3,492 $3,688
State Farm $2,420 $2,517 $2,626
USAA $2,188 $2,257 $2,337

Compare Car Insurance Quotes in Ames, NE

Ready to find affordable Ames, Nebraska car insurance today? Enter your ZIP code for fast, free Ames, NE car insurance quotes.

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