Compare Homer, NE Car Insurance Rates (2021)

Car insurance in Homer, NE averages $284 a month. Homer, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Homer car insurance rates, compare quotes from the top car insurance companies in Homer, 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 Homer for teen drivers is American Family
  • The cheapest car insurance company in Homer is USAA
  • Average car insurance rates in Homer, NE are $3,411/year

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

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

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

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

How do age, gender, and marital status affect Homer, NE car insurance rates? Every Homer, 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 Homer, 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 $2,096 $1,995 $1,861 $1,876 $5,835 $6,125 $2,358 $2,410
American Family $1,847 $1,847 $1,682 $1,682 $3,101 $4,575 $1,807 $1,957
Farmers $2,345 $2,341 $2,100 $2,214 $9,030 $9,337 $2,641 $2,758
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,344 $3,639 $2,646 $3,232 $14,100 $15,876 $3,501 $3,874
Nationwide $1,860 $1,923 $1,664 $1,784 $4,248 $5,308 $2,137 $2,315
Progressive $2,073 $1,991 $1,700 $1,777 $8,097 $9,118 $2,471 $2,637
State Farm $1,645 $1,645 $1,441 $1,441 $4,446 $5,679 $1,817 $2,055
USAA $1,328 $1,326 $1,208 $1,245 $4,156 $4,977 $1,718 $1,917

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Minimum Car Insurance in Homer, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Homer, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $3,100 $2,115 $1,722
Farmers $4,691 $3,891 $3,705
GEICO $4,349 $3,775 $3,290
Liberty Mutual $9,066 $5,466 $4,298
Nationwide $3,195 $2,538 $2,232
Progressive $4,272 $3,599 $3,327
State Farm $3,664 $2,196 $1,704
USAA $2,976 $2,015 $1,711

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

Annual Homer, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,004 $3,630 $2,980
American Family $2,266 $2,450 $2,266 $2,266
Farmers $3,474 $4,444 $4,335 $4,131
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,383 $6,346 $6,878 $6,499
Nationwide $1,878 $2,720 $3,889 $2,132
Progressive $3,169 $4,666 $3,548 $3,549
State Farm $2,343 $2,699 $2,521 $2,521
USAA $1,696 $2,135 $3,185 $1,921

Cheapest Homer, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Homer, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $3,101 $4,575
Farmers $9,030 $9,337
GEICO $6,043 $7,918
Liberty Mutual $14,100 $15,876
Nationwide $4,248 $5,308
Progressive $8,097 $9,118
State Farm $4,446 $5,679
USAA $4,156 $4,977

Cheapest Homer, NE Car Insurance for Seniors

Take a look at Homer, 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 Homer, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,682 $1,682
Farmers $2,100 $2,214
GEICO $2,841 $2,734
Liberty Mutual $2,646 $3,232
Nationwide $1,664 $1,784
Progressive $1,700 $1,777
State Farm $1,441 $1,441
USAA $1,208 $1,245

Cheapest Homer, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Homer, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,630
American Family $2,266
Farmers $4,335
GEICO $5,286
Liberty Mutual $6,878
Nationwide $3,889
Progressive $3,548
State Farm $2,521
USAA $3,185

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Cheapest Homer, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Homer, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,294 $2,331
Farmers $4,096 $4,096
GEICO $3,746 $3,863
Liberty Mutual $6,277 $6,277
Nationwide $2,655 $2,655
Progressive $3,733 $3,733
State Farm $2,456 $2,586
USAA $2,208 $2,260

The Best Cheap Car Insurance Companies in Homer, NE

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

Average Annual Car Insurance Rates by Company in Homer, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,312
Farmers $4,096
GEICO $3,805
Liberty Mutual $6,277
Nationwide $2,655
Progressive $3,733
State Farm $2,521
USAA $2,234

Category Winners: Cheapest Car Insurance in Homer, Nebraska

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

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

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

Annual Car Insurance Rates by Coverage Level in Homer, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,293 $2,382 $2,263
Farmers $3,906 $4,029 $4,353
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,059 $6,233 $6,538
Nationwide $2,699 $2,644 $2,622
Progressive $3,525 $3,721 $3,953
State Farm $2,420 $2,517 $2,626
USAA $2,162 $2,231 $2,310

What affects car insurance rates in Homer, Nebraska?

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

Commute Time in Homer

The more time you spend in your car the higher the risk of an accident. The average commute length in Homer, NE is 19.5 minutes according to City-Data.

Compare Car Insurance Quotes in Homer, NE

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

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