Compare Otoe, NE Car Insurance Rates (2021)

Car insurance in Otoe, NE averages $280 a month. Otoe, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Otoe car insurance rates, compare quotes from the top car insurance companies in Otoe, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Otoe, NE after a DUI are $3,897/year
  • The cheapest car insurance company in Otoe is American Family
  • The cheapest car insurance company in Otoe for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Otoe, NE car insurance rates? Every Otoe, 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 Otoe, 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 $2,174 $2,066 $1,936 $1,953 $6,170 $6,483 $2,436 $2,484
American Family $1,771 $1,771 $1,611 $1,611 $2,955 $4,331 $1,732 $1,872
Farmers $2,427 $2,414 $2,173 $2,289 $9,432 $9,734 $2,753 $2,882
GEICO $2,747 $2,695 $2,692 $2,591 $5,684 $7,440 $2,478 $2,399
Liberty Mutual $3,195 $3,466 $2,526 $3,080 $14,005 $15,747 $3,339 $3,692
Nationwide $1,831 $1,891 $1,639 $1,755 $4,226 $5,274 $2,109 $2,283
Progressive $1,890 $1,815 $1,551 $1,617 $7,426 $8,363 $2,254 $2,409
State Farm $1,645 $1,645 $1,441 $1,441 $4,446 $5,679 $1,817 $2,055
USAA $1,354 $1,348 $1,236 $1,268 $4,315 $5,154 $1,745 $1,941

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Minimum Car Insurance in Otoe, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Otoe, Nebraska

Insurance Company Poor Fair Good
Allstate $3,989 $3,034 $2,615
American Family $2,955 $2,022 $1,643
Farmers $4,878 $4,054 $3,858
GEICO $4,105 $3,563 $3,104
Liberty Mutual $8,838 $5,352 $4,204
Nationwide $3,157 $2,512 $2,208
Progressive $3,907 $3,294 $3,045
State Farm $3,664 $2,196 $1,704
USAA $3,052 $2,072 $1,761

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

Annual Otoe, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,781 $3,144 $3,810 $3,117
American Family $2,161 $2,345 $2,161 $2,161
Farmers $3,605 $4,626 $4,511 $4,310
GEICO $2,306 $3,313 $4,992 $3,752
Liberty Mutual $5,252 $6,204 $6,715 $6,354
Nationwide $1,863 $2,691 $3,838 $2,111
Progressive $2,901 $4,270 $3,247 $3,246
State Farm $2,343 $2,699 $2,521 $2,521
USAA $1,739 $2,195 $3,275 $1,970

Cheapest Otoe, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otoe, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,170 $6,483
American Family $2,955 $4,331
Farmers $9,432 $9,734
GEICO $5,684 $7,440
Liberty Mutual $14,005 $15,747
Nationwide $4,226 $5,274
Progressive $7,426 $8,363
State Farm $4,446 $5,679
USAA $4,315 $5,154

Cheapest Otoe, NE Car Insurance for Seniors

Take a look at Otoe, 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 Otoe, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,953
American Family $1,611 $1,611
Farmers $2,173 $2,289
GEICO $2,692 $2,591
Liberty Mutual $2,526 $3,080
Nationwide $1,639 $1,755
Progressive $1,551 $1,617
State Farm $1,441 $1,441
USAA $1,236 $1,268

Cheapest Otoe, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otoe, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,810
American Family $2,161
Farmers $4,511
GEICO $4,992
Liberty Mutual $6,715
Nationwide $3,838
Progressive $3,247
State Farm $2,521
USAA $3,275

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Cheapest Otoe, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otoe, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,213 $3,213
American Family $2,189 $2,225
Farmers $4,263 $4,263
GEICO $3,535 $3,646
Liberty Mutual $6,131 $6,131
Nationwide $2,626 $2,626
Progressive $3,416 $3,416
State Farm $2,456 $2,586
USAA $2,268 $2,321

The Best Cheap Car Insurance Companies in Otoe, NE

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

Average Annual Car Insurance Rates by Company in Otoe, Nebraska

Insurance Company Average Annual Rates
Allstate $3,213
American Family $2,207
Farmers $4,263
GEICO $3,591
Liberty Mutual $6,131
Nationwide $2,626
Progressive $3,416
State Farm $2,521
USAA $2,295

Category Winners: Cheapest Car Insurance in Otoe, Nebraska

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

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

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

Annual Car Insurance Rates by Coverage Level in Otoe, Nebraska

Insurance Company Low Medium High
Allstate $3,124 $3,207 $3,308
American Family $2,194 $2,272 $2,154
Farmers $4,087 $4,203 $4,499
GEICO $3,506 $3,587 $3,679
Liberty Mutual $5,938 $6,094 $6,363
Nationwide $2,673 $2,615 $2,589
Progressive $3,229 $3,406 $3,612
State Farm $2,420 $2,517 $2,626
USAA $2,218 $2,292 $2,375

What affects car insurance rates in Otoe, Nebraska?

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

Commute Time in Otoe

The more time you spend in your car the higher the risk of an accident. The average commute length in Otoe, NE is 29.4 minutes according to City-Data.

Compare Car Insurance Quotes in Otoe, NE

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

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