Compare Wood River, NE Car Insurance Rates (2021)

Car insurance in Wood River, NE averages $266 a month. Wood River, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Wood River car insurance rates, compare quotes from the top car insurance companies in Wood River, 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

  • Average car insurance rates in Wood River, NE are $3,196/year
  • The cheapest car insurance company in Wood River for teen drivers is American Family
  • Average car insurance rates in Wood River, NE after a DUI are $3,713/year

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

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

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

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

How do age, gender, and marital status affect Wood River, NE car insurance rates? Every Wood River, 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 Wood River, 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 $1,824 $1,738 $1,632 $1,647 $5,073 $5,358 $2,039 $2,075
American Family $1,675 $1,675 $1,525 $1,525 $2,794 $4,104 $1,639 $1,772
Farmers $2,198 $2,186 $1,975 $2,079 $8,206 $8,440 $2,484 $2,602
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $2,994 $3,249 $2,366 $2,879 $12,898 $14,496 $3,139 $3,477
Nationwide $1,738 $1,790 $1,560 $1,665 $4,129 $5,131 $2,017 $2,180
Progressive $2,052 $1,985 $1,685 $1,747 $7,819 $8,819 $2,461 $2,636
State Farm $1,405 $1,405 $1,239 $1,239 $3,907 $4,965 $1,554 $1,762
USAA $1,416 $1,415 $1,285 $1,327 $4,408 $5,290 $1,837 $2,054

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Minimum Car Insurance in Wood River, NE

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

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

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

Annual Car Insurance Rates by Credit Score in Wood River, Nebraska

Insurance Company Poor Fair Good
Allstate $3,302 $2,526 $2,192
American Family $2,795 $1,913 $1,557
Farmers $4,332 $3,577 $3,405
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,207 $4,958 $3,897
Nationwide $3,028 $2,424 $2,127
Progressive $4,194 $3,515 $3,242
State Farm $3,173 $1,903 $1,478
USAA $3,174 $2,144 $1,818

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

Annual Wood River, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,325 $2,620 $3,152 $2,595
American Family $2,043 $2,227 $2,043 $2,043
Farmers $3,193 $4,086 $3,986 $3,820
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $4,877 $5,747 $6,230 $5,894
Nationwide $1,805 $2,591 $3,670 $2,039
Progressive $3,105 $4,549 $3,471 $3,478
State Farm $2,022 $2,347 $2,185 $2,185
USAA $1,806 $2,271 $3,393 $2,046

Cheapest Wood River, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wood River, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,073 $5,358
American Family $2,794 $4,104
Farmers $8,206 $8,440
GEICO $6,043 $7,918
Liberty Mutual $12,898 $14,496
Nationwide $4,129 $5,131
Progressive $7,819 $8,819
State Farm $3,907 $4,965
USAA $4,408 $5,290

Cheapest Wood River, NE Car Insurance for Seniors

Take a look at Wood River, 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 Wood River, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,632 $1,647
American Family $1,525 $1,525
Farmers $1,975 $2,079
GEICO $2,841 $2,734
Liberty Mutual $2,366 $2,879
Nationwide $1,560 $1,665
Progressive $1,685 $1,747
State Farm $1,239 $1,239
USAA $1,285 $1,327

Cheapest Wood River, NE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wood River, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,152
American Family $2,043
Farmers $3,986
GEICO $5,286
Liberty Mutual $6,230
Nationwide $3,670
Progressive $3,471
State Farm $2,185
USAA $3,393

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Cheapest Wood River, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wood River, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,673 $2,673
American Family $2,072 $2,105
Farmers $3,771 $3,771
GEICO $3,746 $3,863
Liberty Mutual $5,687 $5,687
Nationwide $2,526 $2,526
Progressive $3,651 $3,651
State Farm $2,129 $2,240
USAA $2,351 $2,407

The Best Cheap Car Insurance Companies in Wood River, NE

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

Average Annual Car Insurance Rates by Company in Wood River, Nebraska

Insurance Company Average Annual Rates
Allstate $2,673
American Family $2,089
Farmers $3,771
GEICO $3,805
Liberty Mutual $5,687
Nationwide $2,526
Progressive $3,651
State Farm $2,185
USAA $2,379

Category Winners: Cheapest Car Insurance in Wood River, Nebraska

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

Best Annual Car Insurance Rates by Company in Wood River, Nebraska

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

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Cheapest Wood River, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wood River, Nebraska

Insurance Company Low Medium High
Allstate $2,601 $2,668 $2,751
American Family $2,071 $2,150 $2,044
Farmers $3,622 $3,722 $3,970
GEICO $3,714 $3,801 $3,899
Liberty Mutual $5,525 $5,656 $5,882
Nationwide $2,563 $2,519 $2,497
Progressive $3,506 $3,642 $3,804
State Farm $2,094 $2,181 $2,279
USAA $2,306 $2,376 $2,455

What affects car insurance rates in Wood River, Nebraska?

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

Commute Time in Wood River

The more time you spend in your car the higher the risk of an accident. The average commute length in Wood River, NE is 22.5 minutes according to City-Data.

Compare Car Insurance Quotes in Wood River, NE

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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