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Are you in need of cheap auto insurance in Kearney, NE? With AutoInsuranceEZ.com, you’ll find the lowest priced insurance premiums near you. To find free car insurance rates available from the best providers immediately, input your local zipcode within the quote box here on this page.

Kearney, NE is one of the top 5 cities in all of Nebraska and located in the south-central region of the state along the Platte River. It is the home of the University of Nebraska – Kearney as well as NFL player Kyle Larson. The city has a rich history dating back to the pioneer days and several museums to commemorate its past.

  • Fun fact: did you know that Kearney is exactly 1,733 miles east of San Francisco and west of Boston? Find out more about Kearney.

Auto Insurance Coverage Requirements in Nebraska

Driving legally in Kearney requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Since Nebraska state mandatory minimums are some of the lowest in the country, drivers with an older, cheaper vehicle can save a lot of money by sticking to the basic state requirements. However, motorists with newer vehicles (especially if you are still making payments on it) might want to go for a slightly more comprehensive policy.

Maintaining a good insurance policy in Nebraska might cost you around $110 each month, on average. But Kearney drivers are entitled to some savings that aren’t available anywhere else. And if you take advantage of these deals, you can lower your premium down to $22/mo*!

Average Monthly Auto Insurance Premiums Legend: Kearney Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 $21 $23 $21 $20 $25

 

There’s a virtual bidding war happening in Kearney right now. Between Liberty Mutual, Allstate, State Farm, and Farmers, companies are competing for your business by lowering rates. But before you think about switching, consider other factors – like customer service, and easy claims filing – and how they factor into your monthly rate.

Auto insurance carriers consider many elements when calculating quotes, like marital status, where you live, occupation, miles driven each year, and current insurance coverage and limits. Also keep in mind that premiums could vary from provider to provider. To find out if you are still getting the cheapest premium, review cheap Kearney auto insurance costs on the internet.

Major Car Insurance Factors in Kearney

There are many ways that your car insurance rate may be calculated. But not all of it is out of your control; there are steps you can take in order to control which discounts you are eligible to receive. Listed here are a few of these elements in greater detail:

  • Your Zip Code

Your car insurance rates may differ depending on the place you call home. In general, populous areas have increased car insurance rates because the additional number of car owners on the road boosts the probability of a collision! The total population of Kearney amounts to 32,174 and the average household earnings are $46,074.

Auto Insurance by Zip Code Legend: Omaha Bellevue Kearney Lincoln Grand Island Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 $32 $28 $21 $26 $21 $35 $32 $23 $31 $25 $35 $29 $21 $29 $21 $41 $30 $20 $32 $21 $49 $39 $25 $35 $26

 

  • Automotive Accidents

As you can see in the chart below, serious accidents don’t happen very often in Kearney. And this isn’t just good news for what are obvious reasons; insurance providers typically offer lower rates in areas with infrequent accidents.

Fatal Accidents in Kearney, NE Legend: Kearney Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 1 3 1 3

 

  • Auto Thefts in Kearney

Auto theft was on the decline for a while in Kearney, but recently spiked back up to 28 reported stolen cars in 2013. However, despite the rising numbers, auto theft is still highly unlikely in Kearney. But this shouldn’t stop you from protecting yourself with a passive anti-theft device, or even Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 135 $21 $149 $23 $96 $21 $80 $20 $67 $25 $63

 

  • Your Credit Score

If you have a poor credit score, it can be hard to find reasonable rates on your automotive insurance. Some companies, like Allstate or Allied, are a little more forgiving. Others, like Farmers in the chart below, might make you pay double or more for having poor credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 $18 $35 $22 $26 $17 $43 $17 $37 $22 $33

 

  • Your Age

If you’re a parent trying to insure a teenage driver, we regret to inform you that you’re about to get into an expensive endeavor. But if you make sure your child gets good grades, and takes a driver’s ed class, you can lower your rates somewhat.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Farmers State Farm Nationwide 20 40 60 80 100 120 140 160 180 $21 $91 $23 $63 $21 $196 $20 $89 $25 $90

 

  • Your Driving Record

Have you heard of “Accident Forgiveness”? It’s a relatively new type of discount which can lower your monthly rates if you have a minor accident or a small speeding ticket in your recent driving history. More serious violations, though, could force some companies to turn you down for coverage.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 $21 $28 Do Not Sell $32 $23 $28 $32 $32 $21 $25 $29 $30 $20 $22 $22 $24 $25 $25 $61 $28

 

  • Your Vehicle

Ever wonder why insurance for a luxury vehicle is so much more expensive? Well, it’s because of how many bad things can happen to one, and how much more it will cost to repair or replace it than your average sedan. This means you will have to purchase more coverage – and that means higher monthly premiums.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 135 150 $21 $161 $23 $147 $21 $100 $20 $84 $25 $66

 

Minor Car Insurance Factors in Kearney

But if you can’t change any of the major factors above, you might consider the following:

  • Your Marital Status

Have you head of bundling discounts? It’s when your insurance provider lowers your premiums on two or more policies if you insure them both with the same company. Married couples, obviously, are poised to take advantage of these more than single people.

  • Your Gender

Rates based on gender is something which will vary, depending on the provider you choose. Many insurance companies don’t see any legitimate reason to discriminate by gender, and charge men and women the same (all other factors being equal). If your insurer does discriminate, it’s usually no more than a 2-3% difference.

  • Your Driving Distance to Work

The most common commute times usually only last between 12-16 minutes in Kearney, although some drivers may enjoy a slightly shorter commute. Nearly all of the motorists use their own vehicle to get to work (90%), while another 7-11% will likely carpool.

Insurance companies will ask you about how much you drive yearly, and your purpose for being on the road (work, school, recreational, etc). But in reality, your answers may only change your rate by 4-5% – unless you’re insuring a business vehicle. Those can cost 12% more to insure than personal vehicles.

  • Your Coverage and Deductibles

Many drivers might not be aware of the purpose of their deductible. That deductible is the money you pay up front before your insurance company will pay out on certain types of claims. Raising your deductible (agreeing to pay more money) is a quick and easy way of lowering your monthly premium.

  • Education in Kearney, NE

Just under 23% of Kearney residents have completed all requirements for a high school diploma, while an additional 22% have gone on to pursue a bachelor’s degree and succeeded. If you are one of those drivers with some form of a higher education, you’re in luck; auto insurance providers have recently started offering better prices for those with advanced degrees! These discounts are even bigger than those offered for having a specific job, or making a higher salary.

The strong presence of the University of Nebraska at Kearney marks the city as a college town to a certain extent. The school services over 7,000 students each year at various undergraduate and postgraduate levels. And for those who aspire to enter the medical field, you can look into the University of Nebraska Medical Center College of Nursing (Kearney Division).

Discovering affordable auto insurance can end up being a headache. There’s lots of information you need to think about, and figuring out just how insurance providers assess your possible risk may well be complicated. But try not to allow the wrong insurance agency to convince you to purchase a bad policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Nebraska Department of Insurance

Nebraska Department of Banking and Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You’ll be able to calculate a personalized quote by merely keying in your zip code into the calculator below.

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