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

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

Zimlon, through its research, found that car owners in York, 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!

Affordable Car Insurance Rates in York, NE


The average cost of car insurance in York, NE, is $1,307. Car insurance rates in York, Nebraska, are some of the most affordable in the country. The average York driver pays just $1,307 per year for car insurance. That's almost $323 less than the national average. A few things contribute to York's low car insurance rates. First, the city has a relatively low population density. This means fewer cars on the road and fewer opportunities for accidents. Additionally, York is a relatively safe city. The crime rate is well below the national average, and the roads are in good condition. This combination of factors makes it easier and cheaper for insurance companies to do business in York.

You may find low-cost auto insurance in York, Nebraska, regardless of your financial situation. Numerous insurance providers are available to drivers in York, and numerous ways to receive premium discounts. Here are some pointers to help you find the cheapest car insurance in York, Nebraska.

1. Choose a high deductible

One way to keep your auto insurance rates from rising is to choose a policy with a high deductible. A high deductible means you'll have to pay more out of your pocket if you have an accident, but it also means you'll pay less in premiums. If you're looking for auto insurance in York, NE, compare rates from different companies. And, if you're willing to pay a higher deductible, you could save money on your premium. For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,265, whereas car owners who opted for a deductible of 500 pay $1,498. 

2. Maintain a high credit score

Many factors determine auto insurance rates, but one of the most important is your credit score. A high credit score indicates to insurers that you're a low-risk customer, which could lead to lower rates. Maintaining a high credit score is essential to get the best rates on auto insurance. Insurers often use credit scores as one of the main factors in setting rates so that a high score could lead to significant savings. For example, automobile owners with exceptional credit scores have to pay $1,121, while those with poor credit must pay $2,132. 

3. Avoid Driving under the influence (DUI)

If you are caught driving under the influence (DUI) in York, NE, your auto insurance rates will almost certainly go up. How much they go up depends on your insurance company and driving record. A DUI is considered a major moving violation and will likely stay on your record for at least five years. Insurance companies view drivers with DUIs as high-risk and will charge them higher rates. The amount your rates go up will depend on how your insurance company rates DUIs. Some companies may only raise rates slightly, while others may nearly double them. For example, York, Nebraska, charges $1,307 on average for car insurance. Owners of vehicles who have a history of DUI are subject to a $1,922 post-DUI premium. As a result, insurance premiums rise after a DUI.

Factors that can influence the cost of car insurance in York, 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.

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

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

York McCool Junction York County Lockridge McFadden New York
Average Insurance Rates $1,307 $1,296 $1,308 $1,368 $1,342 $1,346

York, 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 York, 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)
York $1,498 $1,265
York County $1,641 $1,386
Leroy $1,846 $1,559
Baker $2,076 $1,754
Lockridge $1,344 $1,135
New York $1,290 $1,089
McCool Junction $2,068 $1,747
McFadden $1,326 $1,120

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

Teenagers in York, 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 $4,241
20 Years $1,679
30 Years $1,293
40 Years $1,245
50 Years $1,152
60 Years $1,169
70 Years $1,360

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

Car owners in York, 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 $2,222 $392
3 Vehicles $3,333 $588
4 Vehicles $4,444 $784

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$784

York, 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 York, NE.

Location Average Insurance Cost Post DUI Insurance Rate
York $1,307 $1,922
York County $1,308 $1,924
Leroy $1,515 $2,228
Baker $2,016 $2,965
Lockridge $1,368 $2,012
New York $1,346 $1,980
McCool Junction $1,296 $1,906
McFadden $1,342 $1,974

York, 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) $1,121
Excellent (740-799) $1,280
Good (670-739) $1,362
Average (580-669) $1,777
Poor (300-579) $2,132

York, 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
Rick Self State Farm 6030 Village Drive, Lincoln, 68516-4773 402-434-2800
Complete Insurance Travelers 700 R ST STE 311, LINCOLN, 68501 402-858-0988
Erik Brooks Allstate 1101 Arapahoe St Ste 100, Lincoln, 68502 (402) 261-3959
Steve Hannon Insurance Llc Travelers 908 N Grant Ave, Ste 1, York, 68467 None
Copple Insurance Agency Inc Travelers 1640 L Street, Ste A, Lincoln, 68508 None
Ray Thompson State Farm 3701 O Street, Lincoln, 68510-1647 402-475-2345
Zimmer Insurance Group None 3230 S 13Th St, Lincoln, 68502 (402) 817-2544
Union Agency Inc Liberty Mutual Independent 4719 PRESCOTT AVE, LINCOLN, 68506 402-483-4527
Gale Matson State Farm 4700 Normal Blvd, Lincoln, 68506-5562 402-483-1949

York, 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 +$58 $1,365
Driver's Failure In Showing Documents +$127 $1,434
Driving With An Expired Registration +$135 $1,442
Driving At A Considerably Slow Pace +$284 $1,591
Using A Cellphone While Driving +$299 $1,606
Running A Red Light +$305 $1,612
Speeding +$320 $1,627
Driving A Vehicle Without The Required Permission +$406 $1,713
Driving With An Expired/Suspended License +$881 $2,188

York, 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 $1,255
Active Disabling Device $1,255
Tracking Device $1,229
Passive Disabling Device $1,216