Cheapest Auto Insurance in Grand Island, Nebraska (2024)

Auto-Owners offers the cheapest car insurance in Grand Island, with minimum-coverage policies as low as $20 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

Featured in

media logomedia logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Grand Island, Nebraska

Drivers using Insurify have found quotes as cheap as $25/mo for liability only and $40/mo for full coverage in Grand Island and other Nebraska cities.

*Quotes generated for Insurify users in and around Grand Island, Nebraska within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Grand Island, Nebraska within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Grand Island has some of the most affordable car insurance rates in Nebraska. Grand Island drivers pay an overall average of $127 per month for auto coverage. This is similar to the state average of $156 per month, but your actual premium will depend on your type of coverage, driving history, age, and other factors.

If you live in Grand Island, Nebraska, and need car insurance, compare insurance companies below and learn how to find affordable coverage in the city.

Quick Facts
  • The average cost of car insurance in Grand Island is $77 per month for liability and $177 per month for full coverage.

  • Auto-Owners, American Family, and USAA have the cheapest car insurance in Grand Island.

  • Auto-Owners is the cheapest full-coverage auto insurer in Grand Island, with a monthly rate of $32.

3 of the cheapest car insurance companies in Grand Island

Finding cheap car insurance in Grand Island will depend on your coverage needs and unique financial situation. Whether you have a clean record, a ticket, or an accident, you want to find an insurance company that provides competitive rates. See three of the best options for car insurance in Grand Island below, based on affordability and quality of coverage. Rates shown in the table are for the state of Nebraska.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Oeners4.3$40$25Cheap rates
Clearcover3.4$80$46Liability coverage
Midvale Home & Auto4.0$123$75Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$20/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$32/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.

Pros
  • Multiple discounts

  • High customer satisfaction ratings

Cons
  • No online quotes

  • Below-average insurance shopping satisfaction

Auto-Owners is one of the cheapest car insurance companies in Grand Island. Drivers can find plenty of discounts and coverage options to customize their policies with Auto-Owners.

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for liability coverage: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo

If you’re looking for the most affordable liability-only coverage, Clearcover is one of the best digital car insurance companies.

Clearcover automatically includes savings for safe driving, vehicle safety features, electronic documents, and up-front payments into your insurance premium. The company also offers a military discount.

Pros
  • A+ BBB rating

  • App with AI technology

Cons
  • Offers less affordable full-coverage insurance than some other companies

  • Above-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index

Read our Clearcover review
Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Best insurer for senior drivers: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo

Midvale Home & Auto is a great option for older drivers in Grand Island. In addition to auto insurance, the company offers home, condo, and renters coverage and provides bundling opportunities.

Pros
  • Savings possible through bundling home and auto coverages

  • Advertised discounts

Cons
  • Above-average number of customer complaints, based on NAIC data

  • No mobile app

How to get the cheapest car insurance in Grand Island

To get the best car insurance rates in Grand Island, Nebraska, take the following steps:

  • Compare insurance companies. Look at many different car insurance companies in your area. Review rates, coverage types, benefits, discounts, and more. Aim for a minimum of three insurers so you have multiple reference points.

  • Look for eligible discounts. Many insurance companies offer discounts to good drivers and people who decide to bundle their auto policy with another insurance policy. See what discounts you may qualify for, and make note of discount percentages.

  • Maintain safe driving habits. Low car insurance rates start with good driving. Keep up safe driving habits, such as wearing a seat belt, putting your phone away, and not driving while distracted or under the influence of any substances.

Find Cheap Coverage in Grand Island

Liability rates start at $20/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Grand Island: Auto-Owners

Liability-only car insurance is often the most affordable coverage option, but it typically only includes the minimum coverage requirements in your state. This type of coverage pays for any property damage or bodily injury you cause in an accident.

It’s important to note that liability insurance doesn’t cover your own vehicle damages or personal injuries.

Liability insurance in Grand Island costs an average of $77 per month. The table below shows the cheapest companies for liability coverage in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners20
American Family28
USAA31
GEICO32
Allstate34
State Farm35
Clearcover37
Safeco42
Nationwide46
Progressive49
AssuranceAmerica56
Farmers57
Shelter58
Dairyland71
Liberty Mutual78
The General80
Foremost84
Bristol West99
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Grand Island: Auto-Owners

If you want to protect your vehicle, opting for full-coverage insurance is your best option. Full coverage generally covers all your bases with liability, comprehensive, and collision coverage. Drivers in Grand Island who want the most protection should consider full coverage over liability-only insurance.

Grand Island drivers pay a monthly average of $177 for full-coverage car insurance. Start your search for full coverage with the companies in the table below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners32
American Family45
USAA50
GEICO52
Allstate55
State Farm56
Clearcover65
Nationwide75
Progressive80
Farmers93
Shelter95
Midvale Home & Auto99
AssuranceAmerica104
Safeco105
Liberty Mutual152
Dairyland174
Foremost211
The General222
Bristol West227
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Estimate your Grand Island car insurance costs

Select discounts that apply to you
Save 26%
Save 4%
Save 20%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Car insurance requirements in Nebraska

Every state sets its own minimum car insurance requirements. In Nebraska, the minimum liability coverage that drivers must possess includes bodily injury liability, property damage liability, and uninsured motorist coverage.[1]

Nebraska is an at-fault — or tort — state, which means drivers in Nebraska who cause an accident are responsible for covering damage and injury.

“Car insurance in Nebraska is based on various rating factors, so it is important to review coverage. The Department of Insurance requires the car owner purchases and maintains minimum liability and uninsured motorists coverage,” says Nick Schrader, insurance agent and owner of Second Western Insurance in Texas.

“The consumer can also purchase optional coverage for physical damage such as collision and comprehensive losses,” says Schrader. “The rate is based on driving experience, mileage usage, garaging ZIP code, and professional discounts.”

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury liability$25,000 per person / $50,000 per accident

Beyond required insurance, you may want to purchase the following optional coverages for additional protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damage to your vehicle following an auto accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages for non-collision incidents, like fires, natural disasters, vandalism, and falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also called MedPay, medical payments insurance provides coverage for medical treatment and funeral expenses after an accident for you and any passengers.

Cheapest car insurance for drivers with an incident

Drivers in Grand Island with an incident on their record can expect to pay more for car insurance coverage. Incidents can include speeding tickets, at-fault accidents, and driving under the influence (DUI), as well as other moving violations. These incidents go on your driving record.

Insurance companies typically consider incidents as indicators of risk and increase rates to make up for the additional risk.[2]

Find Car Insurance in Grand Island, NE

Monthly rates start at $26 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Getting a speeding ticket can increase your insurance premiums — the average Grand Island driver pays $119 per month for liability coverage.

But you can still find affordable options for car insurance in Grand Island after receiving a ticket.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2027
American Family2838
USAA3142
GEICO3243
Allstate3446
State Farm3547
Clearcover3751
Safeco4258
Nationwide4663
Progressive4966
AssuranceAmerica5677
Farmers5777
Shelter5882
Dairyland7197
Liberty Mutual78116
The General80110
Foremost84125
Bristol West99133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

At-fault accidents go on your driving record and affect your car insurance premiums. Without an accident, Grand Island drivers pay an average of $77 per month for liability coverage, but that increases to $124 per month after an at-fault accident.

Here are some of the cheapest car insurance companies to consider if you have an at-fault accident on your record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2028
American Family2840
USAA3144
GEICO3246
Allstate3448
State Farm3549
Clearcover3756
Safeco4258
Nationwide4666
Progressive4971
AssuranceAmerica5680
Farmers5780
Shelter5886
Dairyland71101
Liberty Mutual78120
The General80116
Foremost84130
Bristol West99138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A serious infraction with the most detrimental effects on car insurance rates, a DUI may double your car insurance costs compared to drivers with a clean record. For example, Grand Island drivers with DUIs pay an average of $139 per month for liability coverage and $320 per month for full coverage.

Here are cheap auto insurers for drivers with a DUI to start your search for affordable coverage in Grand Island.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2035
American Family2849
USAA3154
GEICO3256
Allstate3459
State Farm3561
Clearcover3764
Safeco4273
Nationwide4680
Progressive4985
AssuranceAmerica5698
Farmers5799
Shelter58101
Dairyland71124
Liberty Mutual78136
The General80139
Foremost84146
Bristol West99173
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Rates for drivers tend to decrease around age 35 but increase slightly around age 70. Senior drivers may face cost increases due to new physical vulnerabilities and a higher crash death rate than other age groups.[3]

Grand Island senior drivers pay an average of $51 per month for liability coverage. The table below shows the chepaest companies for senior drivers in Grand Island.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1422
American Family1931
USAA2235
GEICO2337
Allstate2439
State Farm2439
Clearcover2646
Nationwide3050
Safeco3075
Progressive3151
Shelter3659
AssuranceAmerica3870
Farmers3964
Dairyland51125
Liberty Mutual55107
Foremost58147
The General59163
Bristol West71162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teenagers are just starting to learn how to drive and get comfortable behind the wheel. Due to that inexperience in driving, many insurance companies consider teen drivers as a higher risk — especially because car crashes represent one of the top causes of death among teens.[4] More risk means higher rates.

Rates for teen drivers are much higher than premiums for older drivers, at an average of $133 per month for liability coverage. To get cheap car insurance as a teenager, you should stay on your parents’ insurance plan and try to qualify for a good student or good driver discount.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners3454
American Family4877
GEICO4980
USAA5081
Allstate5894
State Farm5893
Clearcover71124
Nationwide77125
Safeco86216
Progressive87142
Farmers98161
Shelter98160
AssuranceAmerica102189
Dairyland117286
The General127352
Liberty Mutual142278
Foremost146366
Bristol West165379
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Grand Island, NE

Save money when you compare and shop with top insurers

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Grand Island car insurance quotes by credit tier

Nebraska is one of many states that allows insurers to use your credit history as part of the underwriting criteria to assess risk.

Having an excellent or good credit score will get you the most affordable car insurance rates in Grand Island, while drivers with poor credit pay higher rates because some insurers view low credit as an indicator of risk.[5]

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Grand Island?

Car insurance in Grand Island is more affordable than the national average. In Grand Island, the average monthly cost of full-coverage auto insurance is $177 per month. The national average in the U.S. is $215 per month for full-coverage car insurance.

Compared to the average cost of car insurance in Nebraska, Grand Island also has more affordable coverage. The overall average monthly cost of car insurance in Nebraska is $156, compared to $127 per month in Grand Island.

Location can affect rates because it affects your overall risk based on factors like crime and vandalism statistics, accident rates, traffic congestion, and population density in your area. In Nebraska, cities such as Bellevue, Lincoln, and Omaha all have more expensive car insurance rates than Grand Island.

More cities in Nebraska

Grand Island drivers pay some of the cheapest average rates in the state when compared to other cities.

CityFull CoverageLiability Only
Bellevue$227$103
Columbus$226$73
Fremont$198$75
Lincoln$210$97
Norfolk$176$72
Omaha$258$114
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Grand Island car insurance FAQs

Finding car insurance can feel difficult, but Grand Island drivers pay some of the lowest rates in the state. The information below should help you navigate the process of finding coverage.

  • How much is car insurance in Grand Island?

    The average cost of car insurance in Grand Island is $77 per month for liability coverage and $177 per month for full coverage.

  • Who has the cheapest car insurance in Grand Island?

    Auto-Owners, American Family, and USAA are the cheapest liability insurers in Grand Island, with rates starting at $20, $28, and $31 per month, respectively.

    Comparing quotes from multiple insurers is the best way to find the cheapest rates for your car insurance needs and financial situation.

  • What are the best car insurance companies in Grand Island?

    Travelers is the best car insurance company overall in Grand Island. The company has an IQ Score of 4.5 out of 5, earned an A++ (Superior) financial strength rating from AM Best, and offers cheap rates.

    Clearcover is the best insurer in Grand Island for liability insurance, and Midvale Home & Auto offers the best coverage for seniors.

  • What happens if you don’t purchase the legally required insurance in Nebraska?

    If the authorities catch you driving while uninsured in Nebraska, you’ll face fees, penalties, license suspension, and need to file an SR-22 form as proof of financial responsibility for three years from the date of your conviction.[6]

  • What should you do if your car was damaged in a tornado?

    Comprehensive coverage should cover the cost of vehicle damage caused by a tornado. Once you see the damage, you should file a claim with your insurer. If you don’t have comprehensive coverage, you’ll likely have to pay for the damage yourself.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Nebraska Department of Motor Vehicles. "License Suspensions,­ Revocations,­ Impoundments ­and­ Confiscations."
  2. III. "What determines the price of an auto insurance policy?."
  3. Centers for Disease Control and Prevention. "Older Adult Drivers."
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  5. III. "Background on: Insurance scoring."
  6. Nebraska Department of Motor Vehicles. "No Proof of Insurance Conviction."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all