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.
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 Rates
- York, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in York, NE
- Multi Vehicle Insurance Savings in York, NE
- How Credit Score Affects Car Insurance Rates in York, NE
- How DUI Affects Auto Insurance Premiums in York, NE
- Top Auto Insurance Agents Near York, NE
- How Driving Violations Affect Auto Insurance Rates in York, NE
- York, NE Auto Insurance Discounts on Anti Theft Feature
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 |