Utica, NE Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Utica, 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.
Average Cost of Car Insurance in Utica, NE
In Utica, Nebraska, the average price of car insurance is $1,303. The easiest method to find affordable vehicle insurance in Utica, Nebraska, is to compare rates from different providers. Auto insurance quotes might differ from person to person and from city to city.
There are a variety of factors that affect your auto insurance rates in Utica, NE. Your driving record, the type of car you drive, your age, and where you live are just a few of the things that insurance companies take into account when setting rates. This article will describe the factors that determine your vehicle insurance rates, how they are calculated, and what you can do to change them in order to help you receive the best price.
Car Insurance Rates Based on the Driver's Age in Utica, NE
Car insurance rates in Utica, Nebraska, are based on the driver's age. Drivers under 20 are considered to be high-risk drivers and will pay higher rates for their car insurance. However, as drivers get older, their rates will decrease. This is because older drivers are considered more experienced and less likely to get into accidents. Young drivers are considered high-risk drivers and will pay the highest rates for their car insurance. This is because they are less experienced and more likely to get into accidents. However, as drivers get older, their rates will decrease. This is because older drivers are considered more professional and less likely to get into accidents. For instance, in Utica, Nebraska, teens' auto insurance costs $4,228. At the same time, drivers in Utica, Nebraska, over 40 pay $1,241 for auto insurance.
Car Insurance Rates Post-DUI in Utica, NE
After a DUI, your car insurance rates in Utica, NE, will likely go up. In Utica, being accused of and found guilty of a DUI can have serious repercussions, including time in jail and substantial fines. This is because insurers view you as a high-risk driver. For instance, you will be charged with a DUI if you are found driving while intoxicated or under the influence of narcotics and have a Blood Alcohol Content (BAC) level of more than 0.08 per cent. The cost of car insurance in Utica, Nebraska, will go up. The average cost of car insurance in Utica is currently $1,303 — Post-DUI, car insurance rates increase by $1,916.
There are a few things you can do to try to keep your rates down, though:
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Shop around and compare rates from different insurers.
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Consider taking a defensive driving course, which could make you eligible for a discount.
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Make sure you keep your driving record clean from now on, as this will help to keep your rates down over time.
Car Insurance Rates Based on Credit History in Utica, NE
Car insurance rates in Utica, Nebraska, are based on credit history. Drivers with good credit scores can expect to pay less for their insurance than those with poor credit scores. This is because insurers view drivers with a good credit score as less of a risk. They are less likely to file a claim; if they do, it will likely be for a smaller amount than a driver with a bad credit score. For instance, car owners in Utica, NE, with exceptional credit scores pay $1,118 for car insurance, while those with poor credit scores pay $2,125 for the same coverage. Credit-based insurance rates vary by insurer. However, drivers with good credit scores can expect to pay 20% to 50% less for their car insurance than those with poor credit scores.
Factors that can influence the cost of car insurance in Utica, 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.
- Utica, NE Auto Insurance Rates
- Utica, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Utica, NE
- Multi Vehicle Insurance Savings in Utica, NE
- How Credit Score Affects Car Insurance Rates in Utica, NE
- How DUI Affects Auto Insurance Premiums in Utica, NE
- Top Auto Insurance Agents Near Utica, NE
- How Driving Violations Affect Auto Insurance Rates in Utica, NE
- Utica, NE Auto Insurance Discounts on Anti Theft Feature
Utica, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Utica, NE with that of other cities in and around Utica.
| Utica | Beaver Crossing | Gresham | Stewart | Precinct | Tamora | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,303 | $1,254 | $1,234 | $1,259 | $1,575 | $1,817 |
Utica, 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 Utica, 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) |
|---|---|---|
| Utica | $1,348 | $1,139 |
| Precinct | $1,622 | $1,370 |
| Waco | $1,598 | $1,349 |
| Tamora | $1,872 | $1,581 |
| Goehner | $1,590 | $1,343 |
| Beaver Crossing | $1,167 | $986 |
| Stewart | $1,901 | $1,606 |
| Gresham | $1,271 | $1,074 |
Utica, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Utica, 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 | $4,228 |
| 20 Years | $1,674 |
| 30 Years | $1,290 |
| 40 Years | $1,241 |
| 50 Years | $1,149 |
| 60 Years | $1,165 |
| 70 Years | $1,356 |
Utica, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Utica, 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 | $2,241 | $365 |
| 3 Vehicles | $3,362 | $547 |
| 4 Vehicles | $4,482 | $730 |
Savings on 2 Vehicles bundle:$365
Savings on 3 Vehicles bundle:$547
Savings on 4 Vehicles bundle:$730
Utica, 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 Utica, NE.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Utica | $1,303 | $1,916 |
| Precinct | $1,575 | $2,316 |
| Waco | $1,300 | $1,912 |
| Tamora | $1,817 | $2,672 |
| Goehner | $1,294 | $1,903 |
| Beaver Crossing | $1,254 | $1,844 |
| Stewart | $1,259 | $1,852 |
| Gresham | $1,234 | $1,815 |
Utica, 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) | $1,118 |
| Excellent (740-799) | $1,276 |
| Good (670-739) | $1,358 |
| Average (580-669) | $1,771 |
| Poor (300-579) | $2,125 |
Utica, NE Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kirby Roth Insurance Inc | Travelers | 604 SEWARD ST, SEWARD, 68434 | 402-643-4591 |
| James A. Steider Agency, Llc | None | 246 S. Columbia Ave., Seward, 68434 | None |
| Union Agency Inc | Liberty Mutual Independent | 4719 Prescott Ave, Lincoln, 68506 | None |
| All American Insurance | Travelers | 6128 Havelock Ave., Lincoln, 68507 | None |
| Nebraska Innovative Insurance | Liberty Mutual Independent | 1517 N COTNER BLVD, LINCOLN, 68505 | 402-466-5735 |
| First Insurance | None | 785 D Street , Utica, 68456 | None |
| Ceresco Bank Insurance Agency | None | 130 W Elm, Ceresco, 68017 | None |
| Dean R Hoy | State Farm | 3883 Normal Blvd Ste 100, Lincoln, 68506-5244 | 402-489-7171 |
| Russ Strufing Ins | Farmers | 2005 Highway 2, Lincoln, 68502 | (402) 423-2980 |
Utica, 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 | +$57 | $1,360 |
| Driver's Failure In Showing Documents | +$126 | $1,429 |
| Driving With An Expired Registration | +$134 | $1,437 |
| Driving At A Considerably Slow Pace | +$283 | $1,586 |
| Using A Cellphone While Driving | +$298 | $1,601 |
| Running A Red Light | +$304 | $1,607 |
| Speeding | +$319 | $1,622 |
| Driving A Vehicle Without The Required Permission | +$405 | $1,708 |
| Driving With An Expired/Suspended License | +$878 | $2,181 |
Utica, 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 | $1,251 |
| Active Disabling Device | $1,251 |
| Tracking Device | $1,225 |
| Passive Disabling Device | $1,212 |