Average car insurance cost in Kearney, NE

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According to data from Insure.com, the average annual cost of car insurance in Kearney, Nebraska is $1,799. The auto insurance rates in Kearney is $103 less than the state average and $96 less than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Kearney, the average car insurance rates by age and gender, and how much car insurance cost in Kearney depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Kearney. Keep reading to learn more.

Cheap car insurance companies in Kearney

At an average of $1,060 per year with full coverage limits of 100/300/100, Auto-Owners provides the most affordable car insurance in Kearney.

Ranked as the second most affordable company in Kearney, Nationwide provides car insurance at $1,140 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Kearney that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Kearney, Nebraska:

Read about the best car insurance companies.

Average car insurance cost in Kearney by coverage limits

The average car insurance rates in Kearney by coverage type are as follows:

• State minimum coverage: $323 per year (limits of 25/50/25)
• Liability-only coverage: $363 per year (limits of 50/100/50)
• Full coverage: $1,799 per year (limits of 100/300/100)
• Non-owners coverage: $178 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Kearney

In Kearney, Nebraska, the average annual car insurance premium for female drivers is $1,784 per year.

While the average annual cost for male drivers is $1,814 per year, which is $30 more than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Kearney

In Kearney, car insurance rates are highest for teens, averaging $5,339 per year or $445 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,814 annually for their car insurance, which is $2,525 less than what teens pay for their coverage.

In Kearney, adult drivers pay an average of $1,796 per year for car insurance, while senior drivers pay $1,649 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Kearney

If we look at the car insurance rates trends in Kearney, Nebraska, it was on an downward swing from 2022 to 2023. From 2022 to 2023, the rates decrease overall by 7%, or $142.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Kearney are lower than the average rates in Nebraska. Drivers in Kearney can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.