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Cheap Auto Insurance Quotes in Columbus, NE (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Columbus is $157 per month, or $1884 annually.
  • Car insurance in Columbus is $2 more than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in Columbus on average is Travelers, but you should always compare quotes to find your best personal rate.

Car Insurance in Columbus, NE

The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbus, NE to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$29
State Farm
$42
Allstate
$48
Nationwide
$86
Travelers
$93

Cheapest Car Insurance in Columbus, NE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in ColumbusQuotes
Progressive$29 /mo
State Farm$42 /mo
Allstate$48 /mo
Nationwide$86 /mo
Travelers$93 /mo

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Average Car Insurance Cost

Nebraska Cities
Omaha$133/mo
Lincoln$92/mo
Bellevue$124/mo
Grand Island$102/mo
Columbus$80/mo
Nebraska$106/mo
Columbus
$80
Lincoln
$92
Grand Island
$102
Average for NE
$106
Bellevue
$124
Omaha
$133
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in NE

Minimum car insurance laws are as varied as the U.S. states. With each state enforcing different rules and regulations, it can be confusing to know what’s required from what’s recommended from what’s only going to make your premium more expensive. Let us help you with that.

In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage
  • $25,000/$50,000 uninsured and underinsured motorist bodily injury protection

Uninsured and underinsured motorist coverage cannot be waived. Its minimums can be increased for drivers with families or those looking for added peace of mind. For increases, drivers typically need to notify their insurance company in writing. 

Find local Columbus agents

  • American Heartland Insurance Agency, Inc. 

    2118 23rd St,
    Columbus, NE 68601
  • GTA Insurance Group - Columbus

    1762 26th Ave.,
    Columbus, NE 68602-1216
  • Cornerstone Insurance Group 

    1668 33rd Ave,
    Columbus, NE 68601-4251
  • Edgewater Insurance-Columbus 

    210 E 23Rd St,
    Columbus, NE 68601-2818
  • UNICO Group, Inc. 

    2457 33rd Ave Ste A,
    Columbus, NE 68601-1309
  • Ginger Moon Ins Agcy 

    2618 23rd Street,
    Columbus, NE 68601-3202
  • Hometown Insurance Agency 

    2822 23rd St,
    Columbus, NE 68601-3206
  • Jeanmarie Nelson: Allstate Insurance 

    2460 E 1st Ave Ste 102,
    Columbus, NE 68601
  • Farmers Insurance - Todd Wolverton

    2466 18th Ave,
    Columbus, NE 68601
  • Insurance Services of Columbus

    2524 13th St,
    Columbus, NE 68601
View more

FAQs - Columbus, NE Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Columbus Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Columbus, Nebraska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Columbus drivers measure up to their fellow motorists across Nebraska in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ram

RAM 1500

Most Popular Car in Columbus

#

City with the Most Speeding Tickets Rank in Nebraska

#

City with the Most Moving Violations Rank in Nebraska

#

City with the Most DUIs Rank in Nebraska

#

City with the Most Suspended Licenses in Nebraska

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Columbus is the RAM 1500.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Columbus drivers rank in the number of DUI’s per driver across all cities in Nebraska.

    • Rank within state: #
    • Percent of drivers in Columbus with a DUI: {{percentDrivers}}%
    • Drivers in Columbus, NE with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nebraska, Columbus drivers rank in the number of speeding infractions per driver.

    • Rank within state: #
    • Percent of drivers in Columbus with a speeding ticket: {{percentDrivers}}%
    • Drivers in Columbus, NE with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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