Compare Scottsbluff, NE Car Insurance Rates [2025]
Car insurance in Scottsbluff, NE averages $300 a month. Scottsbluff, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Scottsbluff car insurance rates, compare quotes from the top car insurance companies in Scottsbluff, NE.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
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
Updated February 2024
- Average car insurance rates in Scottsbluff, NE are $3,601/year
- Average car insurance rates in Scottsbluff, NE after a DUI are $4,197/year
- The cheapest car insurance company in Scottsbluff for teen drivers is American Family
If you need to buy Scottsbluff, Nebraska car insurance, the options can be confusing. Everything you need to know about car insurance in Scottsbluff, NE is right here.
You’ll find Scottsbluff car insurance rates, the cheapest Scottsbluff, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Scottsbluff, Nebraska car insurance rates to North Platte car insurance rates, Fremont car insurance rates, and Lincoln car insurance rates.
Ready to find affordable Scottsbluff, NE car insurance today? Enter your ZIP code for fast, free Scottsbluff car insurance quotes.
Cheapest Scottsbluff, NE Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Scottsbluff, NE car insurance rates? Every Scottsbluff, 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 Scottsbluff, 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 | $2,357 | $2,256 | $2,076 | $2,095 | $6,281 | $6,608 | $2,690 | $2,762 |
| American Family | $1,756 | $1,756 | $1,595 | $1,595 | $2,897 | $4,219 | $1,718 | $1,853 |
| Farmers | $2,312 | $2,305 | $2,076 | $2,181 | $8,568 | $8,839 | $2,608 | $2,735 |
| Geico | $3,833 | $3,768 | $3,747 | $3,606 | $7,445 | $9,812 | $3,441 | $3,354 |
| Liberty Mutual | $3,411 | $3,709 | $2,691 | $3,275 | $13,959 | $15,691 | $3,602 | $4,001 |
| Nationwide | $1,782 | $1,846 | $1,592 | $1,711 | $3,970 | $4,975 | $2,035 | $2,206 |
| Progressive | $2,505 | $2,446 | $2,056 | $2,127 | $8,922 | $10,096 | $3,001 | $3,187 |
| State Farm | $1,556 | $1,556 | $1,372 | $1,372 | $4,311 | $5,489 | $1,721 | $1,947 |
| USAA | $1,504 | $1,508 | $1,354 | $1,410 | $4,552 | $5,488 | $1,965 | $2,209 |
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Minimum Car Insurance in Scottsbluff, NE
Every driver must carry the minimum car insurance in Scottsbluff, NE. Take a look at the Nebraska car insurance requirements.
Minimum Required Car Insurance Coverage in Scottsbluff, 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 Scottsbluff, NE Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Scottsbluff, NE. Compare credit history car insurance rates in Scottsbluff from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Scottsbluff, Nebraska
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,211 | $3,196 | $2,766 |
| American Family | $2,905 | $1,993 | $1,622 |
| Farmers | $4,537 | $3,750 | $3,572 |
| Geico | $5,585 | $4,834 | $4,208 |
| Liberty Mutual | $9,109 | $5,465 | $4,303 |
| Nationwide | $3,030 | $2,399 | $2,114 |
| Progressive | $4,965 | $4,124 | $3,788 |
| State Farm | $3,509 | $2,104 | $1,633 |
| USAA | $3,345 | $2,249 | $1,902 |
Cheapest Scottsbluff, 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 Scottsbluff, NE to rates for a clean record with top companies.
Annual Scottsbluff, Nebraska Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,970 | $3,327 | $3,969 | $3,297 |
| American Family | $2,128 | $2,312 | $2,128 | $2,128 |
| Farmers | $3,353 | $4,281 | $4,176 | $4,001 |
| Geico | $3,081 | $4,482 | $6,834 | $5,106 |
| Liberty Mutual | $5,412 | $6,341 | $6,901 | $6,516 |
| Nationwide | $1,773 | $2,575 | $3,695 | $2,016 |
| Progressive | $3,662 | $5,310 | $4,092 | $4,106 |
| State Farm | $2,237 | $2,594 | $2,415 | $2,415 |
| USAA | $1,900 | $2,381 | $3,562 | $2,152 |
Cheapest Scottsbluff, NE Car Insurance for Teen Drivers
Teen car insurance in Scottsbluff, NE can be expensive. Take a look at rates from the top car insurance companies in Scottsbluff for teenagers.
Annual Car Insurance Rates for Teen Drivers in Scottsbluff, Nebraska
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,281 | $6,608 |
| American Family | $2,897 | $4,219 |
| Farmers | $8,568 | $8,839 |
| Geico | $7,445 | $9,812 |
| Liberty Mutual | $13,959 | $15,691 |
| Nationwide | $3,970 | $4,975 |
| Progressive | $8,922 | $10,096 |
| State Farm | $4,311 | $5,489 |
| USAA | $4,552 | $5,488 |
Cheapest Scottsbluff, NE Car Insurance for Seniors
Take a look at Scottsbluff, 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 Scottsbluff, Nebraska
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,076 | $2,095 |
| American Family | $1,595 | $1,595 |
| Farmers | $2,076 | $2,181 |
| Geico | $3,747 | $3,606 |
| Liberty Mutual | $2,691 | $3,275 |
| Nationwide | $1,592 | $1,711 |
| Progressive | $2,056 | $2,127 |
| State Farm | $1,372 | $1,372 |
| USAA | $1,354 | $1,410 |
Cheapest Scottsbluff, NE Car Insurance Rates After a DUI
A DUI in Scottsbluff, NE increases car insurance rates. Compare Scottsbluff, Nebraska DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Scottsbluff, Nebraska
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,969 |
| American Family | $2,128 |
| Farmers | $4,176 |
| Geico | $6,834 |
| Liberty Mutual | $6,901 |
| Nationwide | $3,695 |
| Progressive | $4,092 |
| State Farm | $2,415 |
| USAA | $3,562 |
Read more: What are the DUI insurance laws in Nebraska?
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Cheapest Scottsbluff, NE Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Scottsbluff, NE by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Scottsbluff, Nebraska
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,391 | $3,391 |
| American Family | $2,156 | $2,191 |
| Farmers | $3,953 | $3,953 |
| Geico | $4,799 | $4,953 |
| Liberty Mutual | $6,292 | $6,292 |
| Nationwide | $2,515 | $2,515 |
| Progressive | $4,292 | $4,292 |
| State Farm | $2,353 | $2,478 |
| USAA | $2,469 | $2,528 |
The Best Cheap Car Insurance Companies in Scottsbluff, NE
Take a look at a side-by-side comparison of the top car insurance companies in Scottsbluff, NE to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Scottsbluff, Nebraska
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,391 |
| American Family | $2,174 |
| Farmers | $3,953 |
| Geico | $4,876 |
| Liberty Mutual | $6,292 |
| Nationwide | $2,515 |
| Progressive | $4,292 |
| State Farm | $2,415 |
| USAA | $2,499 |
Category Winners: Cheapest Car Insurance in Scottsbluff, Nebraska
Find the cheapest car insurance companies in Scottsbluff, NE for each category right here.
Best Annual Car Insurance Rates by Company in Scottsbluff, Nebraska
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | State Farm |
| Clean Record | Nationwide |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | Nationwide |
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Cheapest Scottsbluff, NE Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Scottsbluff car insurance rates. Find the cheapest Scottsbluff, NE car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Scottsbluff, Nebraska
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,332 | $3,386 | $3,454 |
| American Family | $2,161 | $2,238 | $2,122 |
| Farmers | $3,799 | $3,901 | $4,159 |
| Geico | $4,799 | $4,872 | $4,956 |
| Liberty Mutual | $6,138 | $6,262 | $6,477 |
| Nationwide | $2,570 | $2,502 | $2,471 |
| Progressive | $4,103 | $4,280 | $4,494 |
| State Farm | $2,312 | $2,412 | $2,523 |
| USAA | $2,428 | $2,495 | $2,573 |
What affects car insurance rates in Scottsbluff, Nebraska?
What factors can have an impact on Scottsbluff, NE car insurance? There are several reasons why Scottsbluff car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Scottsbluff, Nebraska.
Commute Time in Scottsbluff
The more time you spend in your car the higher the risk of an accident. The average commute length in Scottsbluff, NE is 10.8 minutes according to City-Data.
Compare Car Insurance Quotes in Scottsbluff, NE
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Frequently Asked Questions
How can I compare car insurance rates in Scottsbluff, NE?
To compare car insurance rates in Scottsbluff, NE, you have a few options. You can contact individual insurance companies directly and request quotes. Additionally, you can use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Scottsbluff, NE?
Car insurance rates in Scottsbluff, NE, are influenced by several factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors like the frequency of car thefts and accidents in Scottsbluff, NE, can impact insurance rates in the area.
Are car insurance rates higher in Scottsbluff, NE, compared to other areas?
Car insurance rates can vary depending on the location, and Scottsbluff, NE, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Scottsbluff, NE, compares to other areas.
Are there any discounts available for car insurance in Scottsbluff, NE?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Scottsbluff, NE. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Scottsbluff, NE?
There are several strategies you can consider to lower your car insurance rates in Scottsbluff, NE. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to compare quotes from different insurance companies periodically to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Scottsbluff, NE?
Full coverage car insurance is not legally required in Scottsbluff, NE. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s essential to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in Scottsbluff, NE?
If you’re struggling to afford car insurance in Scottsbluff, NE, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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