Compare Columbus, NE Car Insurance Rates (2021)

Car insurance in Columbus, NE averages $268 a month. Columbus, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, NE.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Columbus is American Family
  • Average car insurance rates in Columbus, NE after a DUI are $3,744/year
  • The cheapest car insurance company in Columbus for teen drivers is American Family

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

You’ll find Columbus car insurance rates, the cheapest Columbus, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Columbus, Nebraska car insurance rates to Kearney car insurance rates, Fremont car insurance rates, and Hastings car insurance rates.

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

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

How do age, gender, and marital status affect Columbus, NE car insurance rates? Every Columbus, 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 Columbus, 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 $2,004 $1,903 $1,792 $1,807 $5,699 $5,989 $2,233 $2,271
American Family $1,727 $1,727 $1,580 $1,580 $2,958 $4,422 $1,690 $1,838
Farmers $2,070 $2,054 $1,854 $1,962 $8,084 $8,311 $2,340 $2,436
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,239 $3,511 $2,558 $3,113 $14,230 $15,989 $3,389 $3,753
Nationwide $1,681 $1,729 $1,510 $1,609 $4,012 $4,981 $1,953 $2,109
Progressive $1,689 $1,610 $1,388 $1,454 $6,843 $7,677 $2,008 $2,139
State Farm $1,410 $1,410 $1,244 $1,244 $3,925 $4,988 $1,560 $1,767
USAA $1,410 $1,406 $1,282 $1,320 $4,439 $5,318 $1,824 $2,036

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Minimum Car Insurance in Columbus, NE

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

Minimum Required Car Insurance Coverage in Columbus, 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 Columbus, NE Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Columbus, Nebraska

Insurance Company Poor Fair Good
Allstate $3,675 $2,798 $2,414
American Family $2,945 $1,999 $1,627
Farmers $4,168 $3,459 $3,290
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,977 $5,429 $4,262
Nationwide $2,932 $2,351 $2,062
Progressive $3,536 $2,994 $2,773
State Farm $3,186 $1,911 $1,484
USAA $3,171 $2,146 $1,821

Cheapest Columbus, 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 Columbus, NE to rates for a clean record with top companies.

Annual Columbus, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,563 $2,899 $3,514 $2,874
American Family $2,144 $2,328 $2,144 $2,144
Farmers $3,075 $3,952 $3,855 $3,673
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,331 $6,293 $6,816 $6,451
Nationwide $1,754 $2,511 $3,548 $1,979
Progressive $2,631 $3,887 $2,946 $2,941
State Farm $2,030 $2,357 $2,194 $2,194
USAA $1,804 $2,273 $3,395 $2,044

Cheapest Columbus, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Columbus, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,699 $5,989
American Family $2,958 $4,422
Farmers $8,084 $8,311
GEICO $6,043 $7,918
Liberty Mutual $14,230 $15,989
Nationwide $4,012 $4,981
Progressive $6,843 $7,677
State Farm $3,925 $4,988
USAA $4,439 $5,318

Cheapest Columbus, NE Car Insurance for Seniors

Take a look at Columbus, 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 Columbus, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,792 $1,807
American Family $1,580 $1,580
Farmers $1,854 $1,962
GEICO $2,841 $2,734
Liberty Mutual $2,558 $3,113
Nationwide $1,510 $1,609
Progressive $1,388 $1,454
State Farm $1,244 $1,244
USAA $1,282 $1,320

Cheapest Columbus, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbus, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,514
American Family $2,144
Farmers $3,855
GEICO $5,286
Liberty Mutual $6,816
Nationwide $3,548
Progressive $2,946
State Farm $2,194
USAA $3,395

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Cheapest Columbus, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbus, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,962 $2,962
American Family $2,173 $2,208
Farmers $3,639 $3,639
GEICO $3,746 $3,863
Liberty Mutual $6,223 $6,223
Nationwide $2,448 $2,448
Progressive $3,101 $3,101
State Farm $2,138 $2,249
USAA $2,352 $2,407

The Best Cheap Car Insurance Companies in Columbus, NE

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

Average Annual Car Insurance Rates by Company in Columbus, Nebraska

Insurance Company Average Annual Rates
Allstate $2,962
American Family $2,190
Farmers $3,639
GEICO $3,805
Liberty Mutual $6,223
Nationwide $2,448
Progressive $3,101
State Farm $2,194
USAA $2,379

Category Winners: Cheapest Car Insurance in Columbus, Nebraska

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

Best Annual Car Insurance Rates by Company in Columbus, Nebraska

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

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Cheapest Columbus, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Columbus, Nebraska

Insurance Company Low Medium High
Allstate $2,867 $2,956 $3,064
American Family $2,165 $2,255 $2,150
Farmers $3,474 $3,584 $3,859
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,043 $6,188 $6,437
Nationwide $2,477 $2,441 $2,426
Progressive $2,927 $3,091 $3,285
State Farm $2,101 $2,190 $2,290
USAA $2,305 $2,376 $2,457

What affects car insurance rates in Columbus, Nebraska?

What factors can have an impact on Columbus, NE car insurance? There are several reasons why Columbus car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Columbus, Nebraska.

Commute Time in Columbus

The more time you spend in your car the higher the risk of an accident. The average commute length in Columbus, NE is 12.1 minutes according to City-Data.

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, NE traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Compare Car Insurance Quotes in Columbus, NE

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

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