Compare Kearney, NE Car Insurance Rates (2021)

Car insurance in Kearney, NE averages $268 a month. Kearney, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Kearney car insurance rates, compare quotes from the top car insurance companies in Kearney, 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 Kearney for teen drivers is American Family
  • Average car insurance rates in Kearney, NE are $3,218/year
  • The cheapest car insurance company in Kearney is American Family

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

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

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

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

How do age, gender, and marital status affect Kearney, NE car insurance rates? Every Kearney, 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 Kearney, 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 $2,082 $1,994 $1,849 $1,868 $5,590 $5,916 $2,360 $2,410
American Family $1,670 $1,670 $1,521 $1,521 $2,788 $4,096 $1,634 $1,767
Farmers $2,013 $2,001 $1,803 $1,902 $7,801 $8,040 $2,275 $2,374
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,283 $3,564 $2,590 $3,152 $13,894 $15,612 $3,455 $3,832
Nationwide $1,639 $1,692 $1,468 $1,572 $3,740 $4,664 $1,883 $2,037
Progressive $2,157 $2,105 $1,771 $1,827 $7,820 $8,851 $2,590 $2,768
State Farm $1,363 $1,363 $1,203 $1,203 $3,796 $4,825 $1,507 $1,706
USAA $1,294 $1,292 $1,177 $1,214 $4,018 $4,810 $1,675 $1,870

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Minimum Car Insurance in Kearney, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Kearney, Nebraska

Insurance Company Poor Fair Good
Allstate $3,720 $2,836 $2,469
American Family $2,789 $1,908 $1,553
Farmers $4,035 $3,353 $3,191
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,917 $5,374 $4,227
Nationwide $2,807 $2,236 $1,968
Progressive $4,316 $3,591 $3,301
State Farm $3,079 $1,848 $1,435
USAA $2,889 $1,956 $1,661

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

Annual Kearney, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,637 $2,956 $3,517 $2,925
American Family $2,037 $2,221 $2,037 $2,037
Farmers $2,984 $3,828 $3,733 $3,560
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,301 $6,230 $6,765 $6,395
Nationwide $1,661 $2,394 $3,410 $1,882
Progressive $3,187 $4,628 $3,558 $3,571
State Farm $1,962 $2,279 $2,121 $2,121
USAA $1,648 $2,072 $3,089 $1,865

Cheapest Kearney, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Kearney, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,590 $5,916
American Family $2,788 $4,096
Farmers $7,801 $8,040
GEICO $6,043 $7,918
Liberty Mutual $13,894 $15,612
Nationwide $3,740 $4,664
Progressive $7,820 $8,851
State Farm $3,796 $4,825
USAA $4,018 $4,810

Cheapest Kearney, NE Car Insurance for Seniors

Take a look at Kearney, 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 Kearney, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,849 $1,868
American Family $1,521 $1,521
Farmers $1,803 $1,902
GEICO $2,841 $2,734
Liberty Mutual $2,590 $3,152
Nationwide $1,468 $1,572
Progressive $1,771 $1,827
State Farm $1,203 $1,203
USAA $1,177 $1,214

Cheapest Kearney, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Kearney, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,517
American Family $2,037
Farmers $3,733
GEICO $5,286
Liberty Mutual $6,765
Nationwide $3,410
Progressive $3,558
State Farm $2,121
USAA $3,089

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Cheapest Kearney, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Kearney, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,009 $3,009
American Family $2,067 $2,100
Farmers $3,526 $3,526
GEICO $3,746 $3,863
Liberty Mutual $6,173 $6,173
Nationwide $2,337 $2,337
Progressive $3,736 $3,736
State Farm $2,067 $2,175
USAA $2,143 $2,194

The Best Cheap Car Insurance Companies in Kearney, NE

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

Average Annual Car Insurance Rates by Company in Kearney, Nebraska

Insurance Company Average Annual Rates
Allstate $3,009
American Family $2,083
Farmers $3,526
GEICO $3,805
Liberty Mutual $6,173
Nationwide $2,337
Progressive $3,736
State Farm $2,121
USAA $2,169

Category Winners: Cheapest Car Insurance in Kearney, Nebraska

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

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

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

Annual Car Insurance Rates by Coverage Level in Kearney, Nebraska

Insurance Company Low Medium High
Allstate $2,942 $3,003 $3,081
American Family $2,066 $2,145 $2,039
Farmers $3,375 $3,475 $3,729
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,015 $6,143 $6,361
Nationwide $2,380 $2,327 $2,303
Progressive $3,590 $3,728 $3,891
State Farm $2,029 $2,117 $2,216
USAA $2,097 $2,165 $2,244

What affects car insurance rates in Kearney, Nebraska?

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

Commute Time in Kearney

The more time you spend in your car the higher the risk of an accident. The average commute length in Kearney, NE is 13.7 minutes according to City-Data.

Compare Car Insurance Quotes in Kearney, NE

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

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