Cheap Auto Insurance Quotes in Scottsbluff, NE (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

If you’re looking for one of the easiest places to drive in Nebraska, Scottsbluff is it. With a population just over 15,000 and streets arranged in a grid format, you won’t encounter too many traffic jams, even during rush hour. Residents here find the area to be both beautiful and quaint, but that shouldn’t lull you into thinking you don’t need much in the way of auto insurance. It’s always a smart idea to enroll in a robust auto policy in the event of a collision.

Car Insurance in Scottsbluff, 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 Scottsbluff, NE to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Scottsbluff, NE

Here are the cheapest carriers in Scottsbluff for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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Scottsbluff, NE Driving Facts

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. 

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Scottsbluff Car Insurance Rates by Driver Age

Many teenagers will be able to afford car insurance at $237 per month and still have time for school, sports, and extracurriculars. In the Cornhusker State, more years of experience mean lower insurance premiums. So twentysomethings cut $60 from what the youngest drivers shell out. From there, everyone spends less than the state average of $199. Those in their 50s snag a sweet deal, with a price that’s cheaper by over $175 per month, or $1,800 per year, than what teen drivers pay.

Driver's AgeAvg. Monthly Cost
teens$238
20s$169
30s$101
40s$71
50s$61
60sN/A
70s$62
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$122
Speeding Ticket$151
At-Fault AccidentN/A
Number of QuotesN/A
Failure to Stop for Red Light / Stop SignN/A

Scottsbluff Car Insurance Rates by Driving and Accident History

In Scottsbluff, safe driving wins in more ways than one. Patrons ride with peace of mind while practicing defensive driving. And insurance companies reward responsible residents with “good driver” and “accident-free” discounts. But all the deals could disappear if a late morning causes a driver to race to work or school and get a speeding ticket. It’ll cost an added $30 per month, or $360 per year. Fortunately, tickets and accidents stop affecting rates after three years of careful driving.

Scottsbluff Car Insurance Rates by Credit Tier

Nebraskans have been shaking their head for years trying to figure out just what credit has to do with driving. The law says insurance companies can assess credit when setting rates. Typically, drivers with better credit pay less. Why do those with average credit pay the least in Scottsbluff? Those with better credit may finance costlier cars and get more coverage to protect their assets. But moving from poor to average credit will save over $60 per month, or $720 per year.

Credit TieAvg. Monthly Cost
ExcellentN/A
Good$135
Average$102
Poor$170

Scottsbluff, NE DMV Information

Scottsbluff itself isn’t home to a DMV office, but nearby Gering is home to a Driver Licensing Office. Operational Monday through Friday from 8 a.m. to 4:30 p.m., this office has many rave reviews about its friendly employees. Given that it’s the only DMV office in the area for many miles, you may experience moderate wait times depending on when you visit.

Public Transportation in Scottsbluff, NE

Although Scottsbluff is a very small city, those without a car will likely be impressed with how thorough its bus system is. The Tri-City Roadrunner offers routes to nearly every part of the area and makes it easy to reach your destination on time. Only operational since 2018, the bus system isn’t for everyone, as some prefer to use Uber or Lyft instead. Some errands can be completed on foot; however, during the winter months, this becomes impossible.

Conclusion: How to get the best and cheapest car insurance in Scottsbluff, NE

Great for newer drivers or simply those who don’t want to deal with the stress of daily traffic, Scottsbluff is a great place to navigate by car. It’s important to remember that this city gets about three feet of snow each year, so it’s crucial to learn how to drive in this weather as well as to maintain appropriate car insurance coverage.

If you’re shopping for a new policy and want to save time, head over to Insurify. You’ll be able to view multiple quotes in real-time and can find the best policy for your needs. There’s no reason for Scottsbluff residents to pay more for coverage than they have to.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Scottsbluff stacks up for the state of Nebraska:

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Chevrolet Silverado
Most Popular Car in
Scottsbluff, NE
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Cities with Most
Suspended Licenses Rank

FAQs - Scottsbluff, NE Car Insurance

Is car insurance required in Scottsbluff?

While collisions don’t happen too frequently here, it is a state law that you carry auto coverage. Drivers must enroll in bodily injury, property damage, and uninsured/underinsured protection, with other options available based on your needs.

Why is car insurance so affordable in Scottsbluff?

Motorists here tend to pay well below the national average for coverage, although your individual premiums will vary based on your driving record, the type of your vehicle, and the level of protection you’re looking for.

What happens if I’m caught driving in Scottsbluff without insurance?

Considered a Class II misdemeanor, operating a vehicle without insurance could be subject to a $100 fine as well as the confiscation of both your license plates and your driver’s license.