Compare Elsmere, NE Car Insurance Rates (2021)

Car insurance in Elsmere, NE averages $292 a month. Elsmere, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Elsmere car insurance rates, compare quotes from the top car insurance companies in Elsmere, 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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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 Elsmere is American Family
  • Average car insurance rates in Elsmere, NE after a DUI are $4,092/year
  • The cheapest car insurance company in Elsmere for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Elsmere, NE car insurance rates? Every Elsmere, 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 Elsmere, 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 $1,829 $1,829 $1,657 $1,657 $2,990 $4,317 $1,789 $1,924
Farmers $1,951 $1,943 $1,752 $1,847 $7,431 $7,648 $2,210 $2,315
GEICO $3,833 $3,768 $3,747 $3,606 $7,445 $9,812 $3,441 $3,354
Liberty Mutual $3,527 $3,832 $2,780 $3,378 $14,707 $16,518 $3,724 $4,142
Nationwide $1,802 $1,869 $1,608 $1,730 $3,946 $4,956 $2,050 $2,223
Progressive $2,157 $2,095 $1,766 $1,833 $7,977 $9,024 $2,580 $2,759
State Farm $1,563 $1,563 $1,362 $1,362 $4,125 $5,281 $1,723 $1,951
USAA $1,424 $1,430 $1,281 $1,337 $4,260 $5,137 $1,862 $2,096

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Minimum Car Insurance in Elsmere, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Elsmere, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $3,002 $2,066 $1,679
Farmers $3,891 $3,213 $3,058
GEICO $5,585 $4,834 $4,208
Liberty Mutual $9,523 $5,713 $4,492
Nationwide $3,046 $2,403 $2,120
Progressive $4,348 $3,631 $3,343
State Farm $3,438 $2,061 $1,600
USAA $3,151 $2,118 $1,791

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

Annual Elsmere, Nebraska Car 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 $2,203 $2,387 $2,203 $2,203
Farmers $2,865 $3,671 $3,582 $3,431
GEICO $3,081 $4,482 $6,834 $5,106
Liberty Mutual $5,650 $6,628 $7,212 $6,814
Nationwide $1,773 $2,583 $3,717 $2,019
Progressive $3,214 $4,687 $3,593 $3,602
State Farm $2,207 $2,526 $2,366 $2,366
USAA $1,792 $2,242 $3,351 $2,029

Cheapest Elsmere, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elsmere, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $2,990 $4,317
Farmers $7,431 $7,648
GEICO $7,445 $9,812
Liberty Mutual $14,707 $16,518
Nationwide $3,946 $4,956
Progressive $7,977 $9,024
State Farm $4,125 $5,281
USAA $4,260 $5,137

Cheapest Elsmere, NE Car Insurance for Seniors

Take a look at Elsmere, 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 Elsmere, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,657 $1,657
Farmers $1,752 $1,847
GEICO $3,747 $3,606
Liberty Mutual $2,780 $3,378
Nationwide $1,608 $1,730
Progressive $1,766 $1,833
State Farm $1,362 $1,362
USAA $1,281 $1,337

Cheapest Elsmere, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elsmere, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
American Family $2,203
Farmers $3,582
GEICO $6,834
Liberty Mutual $7,212
Nationwide $3,717
Progressive $3,593
State Farm $2,366
USAA $3,351

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Cheapest Elsmere, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elsmere, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,231 $2,268
Farmers $3,387 $3,387
GEICO $4,799 $4,953
Liberty Mutual $6,576 $6,576
Nationwide $2,523 $2,523
Progressive $3,774 $3,774
State Farm $2,306 $2,427
USAA $2,325 $2,381

The Best Cheap Car Insurance Companies in Elsmere, NE

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

Average Annual Car Insurance Rates by Company in Elsmere, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,249
Farmers $3,387
GEICO $4,876
Liberty Mutual $6,576
Nationwide $2,523
Progressive $3,774
State Farm $2,366
USAA $2,353

Category Winners: Cheapest Car Insurance in Elsmere, Nebraska

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

Best Annual Car Insurance Rates by Company in Elsmere, 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

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Cheapest Elsmere, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elsmere, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,244 $2,317 $2,187
Farmers $3,240 $3,337 $3,584
GEICO $4,799 $4,872 $4,956
Liberty Mutual $6,426 $6,547 $6,755
Nationwide $2,586 $2,509 $2,474
Progressive $3,585 $3,765 $3,972
State Farm $2,278 $2,363 $2,459
USAA $2,284 $2,350 $2,427

Compare Car Insurance Quotes in Elsmere, NE

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

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