Kearney Auto Insurance Rates, Quotes, Agents & Reviews in NE

Kearney, NE Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Kearney, NE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Average Cost of Car Insurance in Kearney, NE

Auto insurance protects you from financial losses such as car repairs, medical bills, and legal fees resulting from an accident. It is a contract between you and an insurance company. You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy. Most states require you to have some form of auto insurance. Nebraska is no different. Nebraska requires all drivers to maintain continuous auto insurance coverage. If caught driving without insurance, you could face serious penalties, including fines, your driver’s license suspension, and even jail time.

The average auto insurance cost in Kearney, NE, is $1,103. There are many different types and levels of auto insurance coverage available. The type and amount of coverage you need will depend on several factors, including the car you drive, your driving record, the amount of time you spend on the road, and your financial situation. The best way to find the right auto insurance is to shop around and compare rates from different companies. Be sure to get quotes for the same coverage levels to compare apples-to-apples. Here are a few details on a few factors.

Credit History

´╗┐When it comes to car insurance, your credit history can have a big impact on your rates. In general, insurers view drivers with good credit as more responsible and less likely to file a claim. As a result, these drivers often enjoy lower rates. On the other hand, drivers with poor credit may be seen as higher risk, and they may pay more for their car insurance. If you're shopping for car insurance in Kearney, NE, check your credit score before you start. That way, you'll have a better idea of what to expect. Car owners in Kearney, Nebraska, with excellent credit scores pay $1,080 for auto insurance, compared to those with poor credit who spend $1,799.

Age of the Driver

Car insurance rates in Kearney, NE, are determined by many factors, including the driver’s age. Young drivers tend to be more expensive to insure because they are considered high-risk. They are more likely to be involved in accidents than older, more experienced drivers. As a result, insurance companies charge higher premiums for young drivers. For instance, teenagers in Kearney, Nebraska, pay $3,579 for car insurance, whereas older drivers aged 40 in that city pay $1,050.

Driving Habits

The cost of car insurance in Kearney, NE, can be affected by your driving habits. If you are a safe driver with a clean driving record, you will likely pay less for car insurance than someone who has been in accidents or has received traffic tickets. Insurance companies consider many factors when determining your premium, and your driving habits are one of them. Many companies offer 5-10% discounts for drivers with no accidents or moving violations on their record. For instance, driving through a red light or while your license is suspended might result in +$257 and +$743 increases in your Kearney, NE auto insurance rates, respectively.

Factors that can influence the cost of car insurance in Kearney, NE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Kearney, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Kearney, NE with that of other cities in and around Kearney.

Kearney Riverdale Newark Collins Glenwood Divide
Average Insurance Rates $1,103 $903 $1,176 $1,901 $1,392 $1,082

Kearney, NE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Kearney, NE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Kearney $2,022 $1,708
Collins $1,958 $1,654
Glenwood $1,362 $1,150
Riverdale $930 $786
Newark $1,050 $887
Blaine $1,382 $1,168
Divide $1,114 $941
Odessa $1,352 $1,142

Kearney, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Kearney, NE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,579
20 Years $1,417
30 Years $1,092
40 Years $1,050
50 Years $973
60 Years $986
70 Years $1,148

Kearney, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Kearney, NE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,919 $287
3 Vehicles $2,879 $430
4 Vehicles $3,838 $574

Savings on 2 Vehicles bundle:$287

Savings on 3 Vehicles bundle:$430

Savings on 4 Vehicles bundle:$574


Kearney, NE Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Kearney, NE.

Location Average Insurance Cost Post DUI Insurance Rate
Kearney $1,103 $1,622
Collins $1,901 $2,796
Glenwood $1,392 $2,047
Riverdale $903 $1,328
Newark $1,176 $1,730
Blaine $1,342 $1,974
Divide $1,082 $1,591
Odessa $1,313 $1,931

Kearney, NE Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $946
Excellent (740-799) $1,080
Good (670-739) $1,149
Average (580-669) $1,499
Poor (300-579) $1,799

Kearney, NE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,152
Driver's Failure In Showing Documents +$107 $1,210
Driving With An Expired Registration +$114 $1,217
Driving At A Considerably Slow Pace +$239 $1,342
Using A Cellphone While Driving +$253 $1,356
Running A Red Light +$257 $1,360
Speeding +$270 $1,373
Driving A Vehicle Without The Required Permission +$343 $1,446
Driving With An Expired/Suspended License +$743 $1,846

Kearney, NE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,059
Active Disabling Device $1,059
Tracking Device $1,037
Passive Disabling Device $1,026

Latest Auto Insurance Reviews in Kearney, NE | Back to Top

State Farm
I love the customer service we get at State Farm. They are available 24 hours a day and they are always so willing to help with any problem we have.
Allstate
I would absolutely recommend Allstate, just like I did to my wife. They gave us both good deals on insurance and have provided excellent customer service.
Allstate
I have the same insurance as my home insurance. The customer service is good.