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Grand Island Car Insurance

How much does car insurance cost in Grand Island, NE? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Grand Island?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nebraska has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Grand Island typically pay around $70.86 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Nebraska $96.05
Grand Island, Nebraska $70.86

Grand Island, NE Best Car Insurance Companies

car insurance in Grand Island

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American National P generally has the most affordable car insurance in Grand Island coming in around $36.33 per month. Other companies to consider if you live in Grand Island is American National P&C with an average cost of $44.74 per month and Farm Bureau Mutual (IA Group) which typically runs around $82.35 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Grand Island.

RankCompanyAverage Monthly RateComparison State Average
1 American National P $36.33-62.17%
2 American National P&C $44.74-53.42%
3 Farm Bureau Mutual (IA Group) $82.35-14.26%
4 USAA $84.33-12.20%
5 State Farm $86.69-9.74%
6 Allied $91.59-4.64%
7 Farmers Mutual of Nebraska $93.83-2.31%
8 EMC Insurance $96.070.02%
9 Nationwide $96.880.86%
10 Auto-Owners Insurance Co $99.223.30%

How Much is Car Insurance in Grand Island, NE?

how much is auto insurance in Grand Island

Rates can vary from city to city. The residents of Bellevue typically pay $100.47 per month while people who live in Grand Island will pay $70.86 per month on average. See what people pay for car insurance in other cities in Nebraska.

Nebraska CitiesMonthly Average Rate
Bellevue $100.47
Grand Island $70.86
Kearney$92.00
Lincoln $94.92
Omaha $105.86

Cheap Car Insurance in Grand Island by Zip Codes

find cheap auto insurance in Grand Island

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nebraska. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Grand Island, NE ZIP CodeAverage Monthly Rate
68801$69.45
68802$268.25
68803$68.82

Car Insurance Rates by Driver's Age Group in Grand Island

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $176.50 per month in Grand Island. Compare that to drivers in their 30’s who typically pay around $73.14 per month drivers in their 40s at $58.43 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$176.50
20s$91.04
30s$73.14
40s$58.43
50s$43.39
60s$42.46
70+$54.42

Cheapest Insurance for Teenage Drivers in Grand Island

CompanyAverage Monthly Rate

Cheapest Insurance for 20 Year-olds in Grand Island

20 year-olds in Grand Island might want to consider American National P who, on average, offers car insurance rates around $19.33 per month. American National P&C , Farm Bureau Mutual (IA Group) , SAFECO and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
American National P$19.33
American National P&C$80.81
Farm Bureau Mutual (IA Group)$114.54
SAFECO$117.75
State Farm$130.44

Cheapest Insurance for 30 Year-olds in Grand Island

If you are in your 30s in Grand Island our research has found that American National P&C typically has the most affordable coverage coming in around $35.68 per month, followed by American National P at $55.17 and USAA at $74.82.

CompanyAverage Monthly Rate
American National P&C$35.68
American National P$55.17
USAA$74.82
Allied$76.85
Farm Bureau Mutual (IA Group)$78.44

Cheapest Insurance for 40 Year-olds in Grand Island

On average, American National P&C offers car insurance for 40 year-olds in Grand Island for around $35.54 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
American National P&C$35.54
USAA$71.50
State Farm$76.83
Allied$79.25
Farm Bureau Mutual (IA Group)$83.86

Cheapest Insurance for 50 Year-olds in Grand Island

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Grand Island we found that American National P&C generally offers the most affordable coverage at $26.06 per month.

CompanyAverage Monthly Rate
American National P&C$26.06
American National P$34.50
USAA$45.94
Auto-Owners Insurance Co$52.13
Farm Bureau Mutual (IA Group)$54.10

Cheapest Insurance for 60 Year-olds in Grand Island

If you live in Grand Island and you’re in your 60s, our data indicates that American National P&C usually has the best rates at $29.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
American National P&C$29.00
USAA$53.61
Allied$62.94
Auto-Owners Insurance Co$64.36
Farm Bureau Mutual (IA Group)$67.81

Driver's Coverage Auto Insurance Rates in Grand Island, NE

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Grand Island, the average monthly rate for a driver who is currently insured is $69.14 while drivers who are not currently covered will pay around $73.19.

CoverageAverage Monthly Rate
Not Currently Insured $73.19
Currently Insured $69.14

Compare Recent Car Insurance Quotes in Grand Island

auto insurance quotes in Grand Island city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Grand Island a driver of a 2011 Mazda CX-9 can expect to pay around $51.85 per month while someone that owns a 2013 Toyota Sienna may pay around $66.22 per month. Check out the list of recent quotes in Grand Island below.

VehicleAverage Monthly Rate
2011 Mazda CX-9$51.85
2013 Toyota Sienna$66.22
2013 Toyota Sienna$58.99
2013 Toyota Sienna$58.99
2013 Toyota Sienna$79.06
2018 Chevrolet Malibu$89.27
2006 Chrysler TOWN $76.86
2006 Jeep Grand Cherokee$60.52
2006 Gmc Sierra$75.83
2008 Cadillac Cts$106.92

FAQ's for Drivers in Grand Island, NE

driver’s frequently asked question in Grand Island

What Is the Minimum Liability Coverage Requirement in Grand Island, NE?

Every state requires drivers to have a minimum amount of liability coverage. Nebraska drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Minimum requirements are set by each state individually. In Nebraska, you must carry car insurance providing bodily injury coverage of at least $25,000 per person and $50,000 per accident. You also need a minimum of $25,000 property damage coverage per accident. On top of this, Nebraskans are obligated to carry uninsured motorist coverage for bodily injury of at least $25,000 per person and $50,000 per accident.

Nebraska is a tort or at-fault state. This means that residents involved in an accident may file a claim through their own insurance company or the other party’s company, and they may pursue compensation for various incurred expenses and losses through a personal injury lawsuit against the at-fault party. No-fault or personal injury protection (PIP) coverage is therefore not required in the state.

What Is the Blood Alcohol Concentration (BAC) limit in Grand Island, NE?

It’s against the law to operate a motor vehicle in Nebraska at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Per Nebraska’s DUI laws, you can be convicted even without a BAC reading, based on the testimony of the arresting law enforcement officer.

What are the consequences of being convicted of a DUI?

DUI penalties in Nebraska depend on a number of factors, including the number of previous DUI convictions and aggravating circumstances like whether an accident or death was caused by the impaired driving, or if the BAC was over 0.15% at the time of the arrest.

Even first-time offenders without aggravating factors face 7 to 60 days in jail, up to $500 in fines (as well as other fees), installation of an ignition interlock device, and a suspended license.

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Commute Time in Grand Island, NE

16.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Grand Island, NE

240

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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