Compare Harrisburg, NE Car Insurance Rates (2021)

Car insurance in Harrisburg, NE averages $304 a month. Harrisburg, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Harrisburg car insurance rates, compare quotes from the top car insurance companies in Harrisburg, 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

  • Average car insurance rates in Harrisburg, NE are $3,646/year
  • The cheapest car insurance company in Harrisburg for teen drivers is American Family
  • The cheapest car insurance company in Harrisburg is American Family

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

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

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

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

How do age, gender, and marital status affect Harrisburg, NE car insurance rates? Every Harrisburg, 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 Harrisburg, 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 $1,787 $1,787 $1,623 $1,623 $2,954 $4,311 $1,747 $1,886
Farmers $2,512 $2,499 $2,257 $2,368 $9,266 $9,541 $2,854 $3,009
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 $2,489 $2,436 $2,038 $2,105 $8,879 $10,062 $2,994 $3,206
State Farm $1,611 $1,611 $1,410 $1,410 $4,336 $5,538 $1,778 $2,013
USAA $1,504 $1,508 $1,354 $1,410 $4,552 $5,488 $1,965 $2,209

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Minimum Car Insurance in Harrisburg, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Harrisburg, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $2,961 $2,031 $1,653
Farmers $4,928 $4,065 $3,870
GEICO $5,585 $4,834 $4,208
Liberty Mutual $9,109 $5,465 $4,303
Nationwide $3,030 $2,399 $2,114
Progressive $4,951 $4,106 $3,771
State Farm $3,579 $2,145 $1,665
USAA $3,345 $2,249 $1,902

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

Annual Harrisburg, 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 $2,169 $2,353 $2,169 $2,169
Farmers $3,628 $4,640 $4,525 $4,360
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 $3,647 $5,292 $4,072 $4,094
State Farm $2,291 $2,636 $2,463 $2,463
USAA $1,900 $2,381 $3,562 $2,152

Cheapest Harrisburg, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harrisburg, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $2,954 $4,311
Farmers $9,266 $9,541
GEICO $7,445 $9,812
Liberty Mutual $13,959 $15,691
Nationwide $3,970 $4,975
Progressive $8,879 $10,062
State Farm $4,336 $5,538
USAA $4,552 $5,488

Cheapest Harrisburg, NE Car Insurance for Seniors

Take a look at Harrisburg, 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 Harrisburg, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,623 $1,623
Farmers $2,257 $2,368
GEICO $3,747 $3,606
Liberty Mutual $2,691 $3,275
Nationwide $1,592 $1,711
Progressive $2,038 $2,105
State Farm $1,410 $1,410
USAA $1,354 $1,410

Cheapest Harrisburg, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harrisburg, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
American Family $2,169
Farmers $4,525
GEICO $6,834
Liberty Mutual $6,901
Nationwide $3,695
Progressive $4,072
State Farm $2,463
USAA $3,562

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Cheapest Harrisburg, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harrisburg, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,197 $2,233
Farmers $4,288 $4,288
GEICO $4,799 $4,953
Liberty Mutual $6,292 $6,292
Nationwide $2,515 $2,515
Progressive $4,276 $4,276
State Farm $2,400 $2,526
USAA $2,469 $2,528

The Best Cheap Car Insurance Companies in Harrisburg, NE

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

Average Annual Car Insurance Rates by Company in Harrisburg, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,215
Farmers $4,288
GEICO $4,876
Liberty Mutual $6,292
Nationwide $2,515
Progressive $4,276
State Farm $2,463
USAA $2,499

Category Winners: Cheapest Car Insurance in Harrisburg, Nebraska

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

Best Annual Car Insurance Rates by Company in Harrisburg, Nebraska

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

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Cheapest Harrisburg, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harrisburg, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,201 $2,281 $2,162
Farmers $4,142 $4,240 $4,482
GEICO $4,799 $4,872 $4,956
Liberty Mutual $6,138 $6,262 $6,477
Nationwide $2,570 $2,502 $2,471
Progressive $4,131 $4,267 $4,431
State Farm $2,367 $2,459 $2,563
USAA $2,428 $2,495 $2,573

What affects car insurance rates in Harrisburg, Nebraska?

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

Commute Time in Harrisburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Harrisburg, NE is 18.1 minutes according to City-Data.

Traffic in Harrisburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Harrisburg, NE traffic data from INRIX ranks Harrisburg as the 361st-most congested in the world.

Compare Car Insurance Quotes in Harrisburg, NE

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

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