Compare Plattsmouth, NE Car Insurance Rates [2025]
Car insurance in Plattsmouth, NE averages $282 a month. Plattsmouth, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Plattsmouth car insurance rates, compare quotes from the top car insurance companies in Plattsmouth, NE.
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Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Updated February 2024
- The cheapest car insurance company in Plattsmouth is USAA
- Average car insurance rates in Plattsmouth, NE are $3,383/year
- The cheapest car insurance company in Plattsmouth for teen drivers is American Family
If you need to buy Plattsmouth, Nebraska car insurance, the options can be confusing. Everything you need to know about car insurance in Plattsmouth, NE is right here.
You’ll find Plattsmouth car insurance rates, the cheapest Plattsmouth, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Plattsmouth, Nebraska car insurance rates to Omaha car insurance rates, Hastings car insurance rates, and Bellevue car insurance rates.
Ready to find affordable Plattsmouth, NE car insurance today? Enter your ZIP code for fast, free Plattsmouth car insurance quotes.
Cheapest Plattsmouth, NE Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Plattsmouth, NE car insurance rates? Every Plattsmouth, Nebraska car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Plattsmouth, Nebraska
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,174 | $2,066 | $1,936 | $1,953 | $6,170 | $6,483 | $2,436 | $2,484 |
| American Family | $1,809 | $1,809 | $1,652 | $1,652 | $3,066 | $4,564 | $1,770 | $1,923 |
| Farmers | $2,422 | $2,405 | $2,163 | $2,286 | $9,696 | $10,008 | $2,742 | $2,853 |
| Geico | $2,433 | $2,383 | $2,393 | $2,302 | $5,277 | $6,849 | $2,197 | $2,116 |
| Liberty Mutual | $3,281 | $3,557 | $2,592 | $3,158 | $14,511 | $16,310 | $3,428 | $3,792 |
| Nationwide | $1,831 | $1,891 | $1,639 | $1,755 | $4,226 | $5,274 | $2,109 | $2,283 |
| Progressive | $2,051 | $1,964 | $1,689 | $1,756 | $8,206 | $9,241 | $2,449 | $2,622 |
| State Farm | $1,539 | $1,539 | $1,376 | $1,376 | $4,517 | $5,717 | $1,709 | $1,931 |
| USAA | $1,313 | $1,308 | $1,203 | $1,234 | $4,175 | $4,966 | $1,693 | $1,883 |
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Minimum Car Insurance in Plattsmouth, NE
Every driver must carry the minimum car insurance in Plattsmouth, NE. Take a look at the Nebraska car insurance requirements.
Minimum Required Car Insurance Coverage in Plattsmouth, Nebraska
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Plattsmouth, NE Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Plattsmouth, NE. Compare credit history car insurance rates in Plattsmouth from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Plattsmouth, Nebraska
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,989 | $3,034 | $2,615 |
| American Family | $3,062 | $2,083 | $1,697 |
| Farmers | $4,931 | $4,117 | $3,918 |
| Geico | $3,703 | $3,221 | $2,807 |
| Liberty Mutual | $9,125 | $5,525 | $4,337 |
| Nationwide | $3,157 | $2,512 | $2,208 |
| Progressive | $4,274 | $3,618 | $3,350 |
| State Farm | $3,579 | $2,145 | $1,665 |
| USAA | $2,951 | $2,007 | $1,708 |
Cheapest Plattsmouth, NE Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Plattsmouth, NE to rates for a clean record with top companies.
Annual Plattsmouth, Nebraska Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,781 | $3,144 | $3,810 | $3,117 |
| American Family | $2,235 | $2,419 | $2,235 | $2,235 |
| Farmers | $3,653 | $4,699 | $4,582 | $4,353 |
| Geico | $2,106 | $3,001 | $4,483 | $3,384 |
| Liberty Mutual | $5,419 | $6,405 | $6,931 | $6,561 |
| Nationwide | $1,863 | $2,691 | $3,838 | $2,111 |
| Progressive | $3,178 | $4,697 | $3,559 | $3,555 |
| State Farm | $2,262 | $2,664 | $2,463 | $2,463 |
| USAA | $1,684 | $2,127 | $3,170 | $1,907 |
Cheapest Plattsmouth, NE Car Insurance for Teen Drivers
Teen car insurance in Plattsmouth, NE can be expensive. Take a look at rates from the top car insurance companies in Plattsmouth for teenagers.
Annual Car Insurance Rates for Teen Drivers in Plattsmouth, Nebraska
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,170 | $6,483 |
| American Family | $3,066 | $4,564 |
| Farmers | $9,696 | $10,008 |
| Geico | $5,277 | $6,849 |
| Liberty Mutual | $14,511 | $16,310 |
| Nationwide | $4,226 | $5,274 |
| Progressive | $8,206 | $9,241 |
| State Farm | $4,517 | $5,717 |
| USAA | $4,175 | $4,966 |
Cheapest Plattsmouth, NE Car Insurance for Seniors
Take a look at Plattsmouth, NE senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Plattsmouth, Nebraska
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,936 | $1,953 |
| American Family | $1,652 | $1,652 |
| Farmers | $2,163 | $2,286 |
| Geico | $2,393 | $2,302 |
| Liberty Mutual | $2,592 | $3,158 |
| Nationwide | $1,639 | $1,755 |
| Progressive | $1,689 | $1,756 |
| State Farm | $1,376 | $1,376 |
| USAA | $1,203 | $1,234 |
Cheapest Plattsmouth, NE Car Insurance Rates After a DUI
A DUI in Plattsmouth, NE increases car insurance rates. Compare Plattsmouth, Nebraska DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Plattsmouth, Nebraska
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,810 |
| American Family | $2,235 |
| Farmers | $4,582 |
| Geico | $4,483 |
| Liberty Mutual | $6,931 |
| Nationwide | $3,838 |
| Progressive | $3,559 |
| State Farm | $2,463 |
| USAA | $3,170 |
Read more: What are the DUI insurance laws in Nebraska?
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Cheapest Plattsmouth, NE Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Plattsmouth, NE by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Plattsmouth, Nebraska
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,213 | $3,213 |
| American Family | $2,262 | $2,299 |
| Farmers | $4,322 | $4,322 |
| Geico | $3,194 | $3,293 |
| Liberty Mutual | $6,329 | $6,329 |
| Nationwide | $2,626 | $2,626 |
| Progressive | $3,747 | $3,747 |
| State Farm | $2,400 | $2,526 |
| USAA | $2,196 | $2,248 |
The Best Cheap Car Insurance Companies in Plattsmouth, NE
Take a look at a side-by-side comparison of the top car insurance companies in Plattsmouth, NE to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Plattsmouth, Nebraska
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,213 |
| American Family | $2,281 |
| Farmers | $4,322 |
| Geico | $3,244 |
| Liberty Mutual | $6,329 |
| Nationwide | $2,626 |
| Progressive | $3,747 |
| State Farm | $2,463 |
| USAA | $2,222 |
Category Winners: Cheapest Car Insurance in Plattsmouth, Nebraska
Find the cheapest car insurance companies in Plattsmouth, NE for each category right here.
Best Annual Car Insurance Rates by Company in Plattsmouth, Nebraska
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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Cheapest Plattsmouth, NE Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Plattsmouth car insurance rates. Find the cheapest Plattsmouth, NE car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Plattsmouth, Nebraska
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,124 | $3,207 | $3,308 |
| American Family | $2,254 | $2,348 | $2,240 |
| Farmers | $4,127 | $4,255 | $4,584 |
| Geico | $3,143 | $3,240 | $3,348 |
| Liberty Mutual | $6,135 | $6,291 | $6,560 |
| Nationwide | $2,673 | $2,615 | $2,589 |
| Progressive | $3,542 | $3,738 | $3,962 |
| State Farm | $2,340 | $2,459 | $2,589 |
| USAA | $2,138 | $2,219 | $2,309 |
What affects car insurance rates in Plattsmouth, Nebraska?
What factors can have an impact on Plattsmouth, NE car insurance? There are several reasons why Plattsmouth car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Plattsmouth, Nebraska.
Commute Time in Plattsmouth
The more time you spend in your car the higher the risk of an accident. The average commute length in Plattsmouth, NE is 22.2 minutes according to City-Data.
Compare Car Insurance Quotes in Plattsmouth, NE
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Frequently Asked Questions
How are car insurance rates determined in Plattsmouth, NE?
Car insurance rates in Plattsmouth, NE are determined based on several factors. These factors typically include the driver’s age, gender, marital status, driving history, credit score, the type of car being insured, the coverage limits selected, and the deductible amount chosen.
What are the average car insurance rates in Plattsmouth, NE?
The average car insurance rates in Plattsmouth, NE can vary depending on the factors mentioned earlier. However, as of my knowledge cutoff in September 2021, the average annual premium for car insurance in Nebraska was around $1,350. It’s important to note that these rates can change over time, so it’s recommended to obtain quotes from insurance providers for the most accurate and up-to-date rates.
Are car insurance rates in Plattsmouth, NE higher than in other areas of Nebraska?
Car insurance rates can vary across different areas within a state, including Plattsmouth, NE. Factors such as population density, crime rates, and local accident statistics can influence insurance rates. It’s advisable to compare rates from multiple insurance providers to get an accurate understanding of the cost differences between different locations within Nebraska.
How can I find the best car insurance rates in Plattsmouth, NE?
To find the best car insurance rates in Plattsmouth, NE, consider the following steps:
- Research and compare rates from multiple insurance providers.
- Provide accurate and detailed information about your driving history, car, and coverage needs when obtaining quotes.
- Consider bundling multiple policies (such as auto and home insurance) with the same provider to potentially qualify for multi-policy discounts.
- Look for available discounts, such as safe driver discounts, good student discounts, or discounts for installing safety features in your vehicle.
What are some factors that can affect car insurance rates in Plattsmouth, NE?
Several factors can influence car insurance rates in Plattsmouth, NE. These factors include:
- Age: Younger drivers generally have higher rates due to their lack of driving experience.
- Driving history: Drivers with a history of accidents or traffic violations may face higher premiums.
- Vehicle type: The make, model, and year of your car can impact insurance rates.
- Coverage and deductibles: Higher coverage limits and lower deductibles often result in higher premiums.
- Credit score: In some states, including Nebraska, credit score can be a factor in determining insurance rates.
- Location: Where you live can affect rates, including factors like crime rates and accident statistics in your area.
Are there any specific discounts available for car insurance in Plattsmouth, NE?
Yes, there are various discounts that may be available when seeking car insurance in Plattsmouth, NE. Some common discounts include:
- Multi-policy discount: If you have multiple insurance policies (e.g., auto and home) with the same provider, you may qualify for a discount.
- Safe driver discount: If you have a clean driving record and no recent accidents or violations, you may be eligible for a safe driver discount.
- Good student discount: Students who maintain good grades can often receive a discount on their car insurance.
- Anti-theft device discount: Installing anti-theft devices, such as car alarms or tracking systems, can potentially lower your premium.
- Defensive driving course discount: Completing an approved defensive driving course may qualify you for a discount.
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