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Cheap Auto Insurance Quotes in Kearney, 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 Kearney is $143 per month, or $1716 annually.
  • Car insurance in Kearney is $12 less than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in Kearney on average is Travelers, but you should always compare quotes to find your best personal rate.

Car Insurance in Kearney, NE

Residents of Kearney and other cities in Nebraska require car insurance to stay legal on the road. Residents pay an average of $199 per month, but it’s possible to get car insurance for less than that if you know where to look.

With Insurify, you can compare customized quotes and adjust your coverage levels and deductibles until you find the best car insurance policy for you. Insurify will get you quotes from national providers like Nationwide and State Farm all in one place, and you’ll never have to spend the time at an insurance agency.

Your car insurance premium is not only based on the level of insurance coverage you choose. In part, your auto insurance rates will be determined by where you live.The average cost of Nebraska car insurance will vary from city to city. Here’s what residents pay, on average, in each major city in Nebraska so you can see how Kearney compares to the rest of the state.

Quotes by Top Companies

Clearcover
$110
Midvale Home & Auto
$122
Liberty Mutual
$146
Dairyland
$149
The General
$188

Cheapest Car Insurance in Kearney, NE

Some auto insurance providers offer cheaper insurance coverage to drivers in Kearney than others. Below, you’ll find the average cost for some of the cheapest car insurance companies in Lawrence. Disclaimer: bear in mind that your individual auto insurance rate may vary from the average. That’s why it’s important to get a free quote from Insurify.

Insurance Provider in KearneyQuotes
Clearcover$110 /mo
Midvale Home & Auto$122 /mo
Liberty Mutual$146 /mo
Dairyland$149 /mo
The General$188 /mo

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Best Car Insurance in Kearney, NE

Price is an important factor when choosing an auto insurance company, but it’s also critical to look for an insurer that can reliably pay claims and offer outstanding customer service. Insurify evaluated a variety of data to find the best car insurance companies in Kearney, so you can compare our results against your individual quotes for auto insurance coverage.

Best CompaniesScoreQuotes
Clearcover97$110 /mo
Liberty Mutual82$146 /mo

Average Car Insurance Cost

Nebraska Cities
Omaha$133/mo
Lincoln$92/mo
Bellevue$124/mo
Grand Island$102/mo
Kearney$143/mo
Nebraska$119/mo
Lincoln
$92
Grand Island
$102
Average for NE
$119
Bellevue
$124
Omaha
$133
Kearney
$143
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. 

Kearney Car Insurance Rates by Driver Age

Age is an important factor in determining your car insurance rates. That’s because auto insurance companies view younger drivers as a greater risk to insure due to their inexperience. Teen drivers are at an especially high risk of getting into a fatal car accident. Here’s what drivers paid on average for car insurance in each age group.

Driver's AgeAvg. Monthly Cost
Teens$332
20s$201
30s$142
40s$127
50s$116
60s$107
70s$110
80s$110

Kearney Car Insurance Rates by Driving and Accident History

Infractions on your driving record will cause your premiums to rise. That’s because DUIs, speeding tickets, and accidents indicate a high-risk driver who is more likely to file a claim. Accidents happen, however, and you should know what to expect for your car insurance rates. Here’s what motorists with different infractions in their driving history pay on average.

Driving HistoryAvg. Monthly Cost
No Violation$149
Speeding Ticket$212
At-Fault Accident$217
DUI$295

Kearney Car Insurance Rates by Credit Tier

Many insurers use insurance-based credit scores, which are based on information in your credit report, when determining your rate. That’s because research shows a correlation between low credit scores and filing a high number of claims. If you have excellent credit, you’ll pay less for car insurance than someone with a bad credit score. Here’s what you can expect in Nebraska:

Credit TierAvg. Monthly Cost
Excellent$85
Good$90
Average$105
Bad$131

Find local Kearney agents

  • Barney Insurance, Inc.

    5205 Second Ave.,
    Kearney, NE 68847
  • Brian Blakely Insurance Agency, Inc. dba Stonebridge Insurance 

    3800 A Ave,
    Kearney, NE 68847
  • Risk & Insurance Solutions, LLC 

    2620 2ND AVE,
    KEARNEY, NE 68847-4417
  • GTA Insurance Group - Kearney 

    3615 2nd Ave Suite A,
    Kearney, NE 68847
  • Ellerbrock-Norris Insurance 

    4004 6th Ave,
    Kearney, NE 68845
  • Platte Valley State Bank 

    2223 Second Ave.,
    Kearney, NE 68848
  • Affiliated Brokers Insurance 

    316 W 39th St,
    Kearney, NE 68845
  • Heritage Insurance

    315 W 60th St Ste 100,
    Kearney, NE 68845-1504
  • Kevin Kennedy: Allstate Insurance

    3423 2nd Ave Ste 4,
    Kearney, NE 68847
  • Barney Insurance - Kearney

    5508 Avenue N Pl,
    Kearney, NE 68847
View more

Kearney DMV Information

The Nebraska DMV provides several online services, and you can also visit the Kearney DMV office if you need to get a driver’s license, driver’s permit, CDL, title and registration, license plates, or vehicle permits. The office is open on weekdays from 8 a.m. to 4:30 p.m. and is located in the Buffalo County Government Center at:
1512 Central Ave
Kearney, NE 68847
(308) 236-1248

Public Transportation in Kearney

Kearney, Nebraska offers the R.Y.D.E. Transit bus system, which operates from 6 a.m. to 6 p.m. Monday through Friday. Each one-way ride is $2, and riders must make a reservation in order to secure a spot on the bus. If shared transportation isn’t for you, you can opt to book a taxi, Uber, or Lyft.

If you don’t want to face traffic on 2nd Ave in Kearney, you can walk or bike. Residents can rent bikes to travel around Kearney, but the most common mode of transportation in the city by far is driving.

How to Get the Cheapest Car Insurance in Kearney

Whether you’re purchasing minimum coverage that includes property damage and bodily injury liability coverage or a more robust policy with comprehensive and collision coverage, the best way to find the cheapest premium for you is to compare customized quotes with Insurify. You’ll just need to answer a few questions about your vehicle and driving record to get started.

From there, our artificial intelligence technology will pull quotes from national and local carriers alike. You won’t need to call multiple insurance agents for individual quotes. Insurify has helped people with insurance solutions from New York all the way to Nebraska. And you can shop for insurance products like home insurance and life insurance as well.

FAQs - Kearney, NE Car Insurance

  • You can use Insurify to compare multiple quotes from top companies like Allstate insurance, American Family, and State Farm insurance. It’s easy to identify the cheapest deal for the coverage you need when you can compare providers side by side. And it’s free and easy to get started—you’ll just need to answer some questions so we can customize your quotes.

  • The average cost of car insurance for motorists in Kearney is $111 per month, but it’s possible to get minimum coverage for as low as $42 per month. In addition to the coverage and deductible you choose, your rate will also be impacted by your age, credit score, and driving history. You can also save by bundling your car insurance policy with your homeowners insurance.

  • High-risk drivers, teen drivers, and people with bad credit will pay more for car insurance in Kearney. You’ll also pay more if you choose to purchase full-coverage car insurance opposed to liability coverage.

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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 Kearney 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 Kearney, 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 Kearney 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.

chevrolet

Chevrolet Impala

Most Popular Car in Kearney

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City with the Most Speeding Tickets Rank in Nebraska

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City with the Most Moving Violations Rank in Nebraska

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City with the Most DUIs Rank in Nebraska

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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 Kearney is the Chevrolet Impala.

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

    • Rank within state: #
    • Percent of drivers in Kearney with a DUI: {{percentDrivers}}%
    • Drivers in Kearney, 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, Kearney drivers rank in the number of speeding infractions per driver.

    • Rank within state: #
    • Percent of drivers in Kearney with a speeding ticket: {{percentDrivers}}%
    • Drivers in Kearney, 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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