Compare Phillips, NE Car Insurance Rates (2021)

Car insurance in Phillips, NE averages $276 a month. Phillips, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Phillips car insurance rates, compare quotes from the top car insurance companies in Phillips, 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 Phillips, NE are $3,312/year
  • The cheapest car insurance company in Phillips for teen drivers is American Family
  • The cheapest car insurance company in Phillips is USAA

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

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

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

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

How do age, gender, and marital status affect Phillips, NE car insurance rates? Every Phillips, 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 Phillips, 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 $1,778 $1,778 $1,616 $1,616 $2,948 $4,303 $1,739 $1,877
Farmers $2,153 $2,143 $1,931 $2,035 $8,209 $8,458 $2,438 $2,553
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,294 $3,567 $2,597 $3,153 $14,670 $16,466 $3,451 $3,830
Nationwide $1,655 $1,710 $1,483 $1,588 $3,762 $4,696 $1,900 $2,056
Progressive $2,066 $1,997 $1,695 $1,760 $7,946 $8,966 $2,478 $2,661
State Farm $1,496 $1,496 $1,326 $1,326 $4,269 $5,408 $1,657 $1,880
USAA $1,311 $1,309 $1,192 $1,230 $4,068 $4,869 $1,697 $1,896

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Minimum Car Insurance in Phillips, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Phillips, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $2,952 $2,024 $1,645
Farmers $4,288 $3,551 $3,380
GEICO $4,349 $3,775 $3,290
Liberty Mutual $9,210 $5,563 $4,363
Nationwide $2,832 $2,253 $1,983
Progressive $4,242 $3,560 $3,286
State Farm $3,424 $2,053 $1,594
USAA $2,926 $1,981 $1,682

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

Annual Phillips, 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 $2,161 $2,345 $2,161 $2,161
Farmers $3,165 $4,055 $3,955 $3,784
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,461 $6,448 $6,987 $6,618
Nationwide $1,673 $2,414 $3,442 $1,896
Progressive $3,141 $4,611 $3,512 $3,520
State Farm $2,174 $2,541 $2,357 $2,357
USAA $1,668 $2,099 $3,130 $1,889

Cheapest Phillips, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Phillips, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $2,948 $4,303
Farmers $8,209 $8,458
GEICO $6,043 $7,918
Liberty Mutual $14,670 $16,466
Nationwide $3,762 $4,696
Progressive $7,946 $8,966
State Farm $4,269 $5,408
USAA $4,068 $4,869

Cheapest Phillips, NE Car Insurance for Seniors

Take a look at Phillips, 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 Phillips, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,616 $1,616
Farmers $1,931 $2,035
GEICO $2,841 $2,734
Liberty Mutual $2,597 $3,153
Nationwide $1,483 $1,588
Progressive $1,695 $1,760
State Farm $1,326 $1,326
USAA $1,192 $1,230

Cheapest Phillips, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Phillips, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,630
American Family $2,161
Farmers $3,955
GEICO $5,286
Liberty Mutual $6,987
Nationwide $3,442
Progressive $3,512
State Farm $2,357
USAA $3,130

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Cheapest Phillips, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Phillips, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,189 $2,225
Farmers $3,740 $3,740
GEICO $3,746 $3,863
Liberty Mutual $6,379 $6,379
Nationwide $2,356 $2,356
Progressive $3,696 $3,696
State Farm $2,298 $2,417
USAA $2,171 $2,222

The Best Cheap Car Insurance Companies in Phillips, NE

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

Average Annual Car Insurance Rates by Company in Phillips, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,207
Farmers $3,740
GEICO $3,805
Liberty Mutual $6,379
Nationwide $2,356
Progressive $3,696
State Farm $2,357
USAA $2,197

Category Winners: Cheapest Car Insurance in Phillips, Nebraska

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

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

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

Annual Car Insurance Rates by Coverage Level in Phillips, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,196 $2,273 $2,153
Farmers $3,585 $3,688 $3,946
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,216 $6,347 $6,573
Nationwide $2,394 $2,346 $2,329
Progressive $3,542 $3,688 $3,859
State Farm $2,255 $2,353 $2,463
USAA $2,123 $2,193 $2,273

What affects car insurance rates in Phillips, Nebraska?

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

Commute Time in Phillips

The more time you spend in your car the higher the risk of an accident. The average commute length in Phillips, NE is 19.0 minutes according to City-Data.

Compare Car Insurance Quotes in Phillips, NE

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

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