Bellevue, NE Auto Insurance | Cheap Car Insurance in Bellevue, NE

The Bellevue, NE auto insurance minimum coverage is 25/50/25. Finding cheap car insurance in Bellevue, NE requires some comparison shopping. Ranked among the best Bellevue, NE car insurance companies, Liberty Mutual provides $28 monthly rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Nebraska auto insurance lists its minimum liability coverage as 25/50/25. A driver shopping for cheap car insurance in Bellevue, NE can get affordable rates. Liberty Mutual, Allstate, Farmers, State Farm, and Nationwide are listed among the best Bellevue, NE car insurance companies. Liberty Mutual provides $28 monthly Bellevue, NE auto insurance.

Bellevue is a French term meaning “beautiful view”. During the 19th century, Bellevue was the first capital of the state. It is located along the eastern border of Nebraska next to the Missouri River. Other attractive aspects of Bellevue are the Fontenelle Forest hiking trails, Offutt Air Force Base, and a recent building boom which is breathing life into the economy and boosting the population.

Here’s a fun fact: did you know that Bellevue is the 2ndoldest settlement in all of Nebraska?

In the market for cheap auto insurance in Bellevue, NE? From AutoInsuranceEZ.com, you could get the most affordable insurance rates locally. To receive free Bellevue, NE auto insurance quotes from the top rated providers right away, enter your postal code into the quote box in this posting.

Nebraska Auto Insurance Laws

The auto insurance coverage requirements in Nebraska are:

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

When considering what coverage to buy, keep in might that state mandatory minimums are only suited for older, inexpensive vehicles which have already been paid off. If your vehicle doesn’t fit that description, you might want to invest in a more extensive policy.

Nebraska drivers, on average, are paying $110 or more on a monthly basis just to maintain their automotive insurance policy. Bellevue residents, on the other hand, can get some great deals right now. How would you like to pay $32/mo* or less on your policy? Keep reading for more info.

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Cheap Auto Insurance in Bellevue

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Allstate Farmers State Farm Nationwide 306090120150180210240270$28$123$32$83$29$286$30$136$39$151

 

If you absolutely must have the lowest rate, then you might want to look into Liberty Mutual, Farmers, or Allstate. But that’s based on average quotes for average drivers. If you have a special circumstance, like poor credit or a teenage driver in the household, you might want to keep shopping around. You have plenty of options, such as Bellevue, Nebraska Progressive [auto] Insurance.

Bellevue, NE auto insurance companies consider different elements when establishing insurance quotes, like marital status, ZIP code, type of vehicle owned, miles driven each year, and business use of the vehicle. Also keep in mind that premiums might vary from carrier to carrier. To verify you are still receiving the most affordable Bellevue, NE auto insurance, check cheap Nebraska auto insurance premiums online.

Major Factors in Cheap Car Insurance in Bellevue, Nebraska

There are lots of 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 so that you can influence what discounts you are eligible to acquire. Listed here are a few of these elements in greater detail:

Your ZIP Code

Your Bellevue, NE auto insurance rates could vary based on the spot where you call home. Usually, large cities possess greater car insurance rates as the additional number of car owners on the highway increases the chance of a collision! The total population of Bellevue amounts to 53,663 and the common household earnings are $55,562.

Auto Insurance by ZIP CodeLegend: Omaha Bellevue Kearney Lincoln Grand Island Liberty Mutual Allstate Farmers State Farm Nationwide 51015202530354045$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

For a city with a population of over 50,000 people, serious accidents in Bellevue are very, very low. And this is good news for local motorists, because insurance providers often lower their rates automatically if the roads in your town are significantly safer than in other areas.

Fatal Accidents in Bellevue, NELegend: Bellevue Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 111111

 

Auto Thefts in Bellevue

Vehicle theft is a major problem, particularly in highly populated locations. If your region and/or vehicle model put you at a higher risk for theft, you might have issues obtaining low-cost car insurance. The total number of stolen automobiles in Bellevue was 108 back in 2013. If you believe your vehicle to be at risk, make sure you have Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Farmers State Farm Nationwide 102030405060708090100110120$28$122$32$92$29$81$30$75$39$77

 

Your Credit Score

You should be concerned about your credit score for a number of reasons, including car insurance. There are many providers out there, including State Farm and Farmers, who dramatically raise monthly premiums for motorists with poor credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Allstate Farmers State Farm Nationwide 51015202530354045505560$24$47$28$39$24$60$25$57$34$53

 

Your Age

One thing which is not wasted on the youth are automotive insurance premiums. They tend to run very high, and it can be hard to find an affordable monthly payment. But getting good grades and taking drivers education courses will help.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Allstate Farmers State Farm Nationwide 306090120150180210240270$28$123$32$83$29$286$30$136$39$151

 

Ticket Impact on Auto Insurance Rates in Nebraska

Nobody is perfect; that adage especially applies to your driving record. But if your rates are uncomfortably high due to a speeding ticket or a minor accident, there is hope. Ask your provider if they offer any “Accident Forgiveness” discounts.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Farmers State Farm Nationwide 102030405060708090100$28$37Do Not Sell$42$32$34$39$39$29$35$41$42$30$33$33$36$39$39$101$44

 

Your Vehicle

The newer and more expensive your vehicle is, the more coverage you should purchase in order to protect it. Granted, in most areas it isn’t necessary by law to insure a luxury vehicle with an expensive “Cadillac” insurance policy. However, if you purchase insufficient coverage, and the worst happens, you will be held financially responsible.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Farmers State Farm Nationwide 153045607590105120$28$130$32$132$29$90$30$92$39$75

 

Minor Factors in Cheap Auto Insurance in Bellevue, Nebraska

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

Your Marital Status

Are you and your spouse bundled to the same auto policy? If not, then you should definitely consider changing that status. Bundling together multiple insurance policies under the same company can get you some significant discounts.

Your Gender

Insurance companies can’t seem to make up their mind when it comes to gender-based premiums. Many providers these days don’t even bother charging different prices at all between genders. Of those who still do, if you ask five different companies which gender should pay more, you’ll likely get 6 different answers.

Your Driving Distance to Work

Commute times in Bellevue can last a little longer than most other cities with the average time spent behind the wheel ranging from 17-20 minutes. A good 84% of motorists would rather use their own vehicle in order to get around, while another 9-16% usually make other arrangements, such as carpooling.

Thinking about lowering your monthly premium by driving less? Well, you’ll certainly save money on gas and vehicle maintenance – but not so much on insurance costs. Even if you slash your yearly mileage by the thousands, you’re only looking at a modest 4-5% discount.

Your Coverage and Deductibles

If you need extra coverage, but don’t have a big enough budget to pay for it every month, try raising your deductible. It’s one of the easiest and best ways to make sure you get what is the best auto insurance coverage in Nebraska at the most affordable price.

Education in Bellevue, NE

Of those living in Bellevue, right around 28% have successfully earned a high school diploma or other equivalent. Another 19% have at least 1 year or more of college under their belts. But did you know that going the extra mile can save you hundreds on your car insurance prices each year? Having advanced degrees can help significantly lower your premiums – even more than having a specific job title, or a salary above a certain amount.

While nearby Omaha has a great variety of universities to choose from, those in Bellevue looking to further their education have a few local options as well. Bellevue University has been around since the 1960’s and first started offering bachelor’s degree programs to their students as recently as 1987. Additionally, Embry-Riddle Aeronautical University offers students engineering degrees for the fields of aerospace and aviation.

Determining your own financial risk can be extremely hard or unattainable for the standard insurance consumer. Insurance companies have got an edge on customers because of their studies and experiential understanding. Uncover specifically what insurance agencies don’t really want you to know.

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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

It is easy to find the best car insurance companies in Nebraska and estimate YOUR quotes merely by keying in your ZIP code into the calculator below.

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