4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Scottsbluff, NE (June 2022)

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

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

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Scottsbluff, NE

While car insurance rates are cheaper in Nebraska than in the rest of the country on average, drivers still pay an average of $199 per month for car insurance. That can put a strain on a family’s income. But having a car insurance policy in Nebraska is necessary for both legal and financial reasons. If you want to protect yourself, you’ll need great insurance coverage.

Luckily, there’s a way to get cheap car insurance quotes without calling multiple insurance agents. If you compare your options with Insurify, you’ll be able to identify the cheapest deal in car insurance based on individual factors like your age, credit score, and driving history. In fact, the average Insurify user saves $585 annually by switching to a new insurance provider.

The coverage options and deductible you choose won’t be the only factors impacting your price. Nebraska car insurance premiums can also vary from city to city and even from neighborhood to neighborhood. Here’s what drivers pay on average in the top cities in Nebraska, so you can see how Scottsbluff compares to other areas.

Quick Facts

  • The average cost of car insurance in Scottsbluff is $135 per month, or $1620 annually.
  • Car insurance in Scottsbluff is $20 less than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in Scottsbluff on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Liberty Mutual
$120
Dairyland
$159
Bristol West
$173

Cheapest Car Insurance in Scottsbluff, NE

Some insurance companies in Scottsbluff will be able to offer cheaper auto insurance rates than others. The following companies offer the cheapest premiums on average, but your individual rate may vary. To find the cheapest car insurance company for you, it’s best to compare customized quotes with Insurify.

Insurance Provider in ScottsbluffQuotes
Liberty Mutual$120 /mo
Dairyland$159 /mo
Bristol West$173 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Best Car Insurance in Scottsbluff, NE

The cheapest car insurance company is not always the best car insurance company. That’s why we evaluated a variety of data on each company’s financial strength and customer satisfaction to generate the Insurify Composite Score. You can compare the top-rated companies against your customized quotes to find the best and cheapest auto insurance policy for you.

Best CompaniesScoreQuotes
Liberty Mutual82$120 /mo

Average Car Insurance Cost

Nebraska Cities
Omaha$133/mo
Lincoln$92/mo
Bellevue$124/mo
Grand Island$102/mo
Scottsbluff$151/mo
Nebraska$120/mo
Lincoln
$92
Grand Island
$102
Average for NE
$120
Bellevue
$124
Omaha
$133
Scottsbluff
$151
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorists
  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Scottsbluff 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 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 bracket.

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

Scottsbluff 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 at-fault accidents all point to a high-risk driver who is more likely to file a claim. Mistakes and accidents happen, however, and you should know what to expect for your car insurance rates. Here’s what drivers in different situations paid on average.

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

Scottsbluff Car Insurance Rates by Credit Tier

About 95 percent of 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$151
Good$161
Average$188
Poor$233

Find local Scottsbluff agents

  • Classic One Insurance

    2002 Broadway,
    Scottsbluff, NE 69361-1902
  • Federal Crop Agency 

    1008 Avenue I,
    Scottsbluff, NE 69361-1305
  • J.G. Elliott Company 

    1110 Circle Drive,
    Scottsbluff, NE 69361
  • Adams Ins Advisors - Scottsbluff 

    416 Valley View Dr.,
    Ste 306, Scottsbluff, NE 69361
  • D-n-R Insurance 

    22 E 21st St,
    Scottsbluff, NE 69361-2017
  • Kendell Henderson Agency, Inc. American Family Insurance

    2001 Broadway,
    Scottsbluff, NE 69361
  • Angela Philbrick - State Farm Insurance Agent

    2202 Broadway,
    Scottsbluff, NE 69361
  • Farmers Insurance - Vivian Reitz

    1414 E 20th St Ste 9,
    Scottsbluff, NE 69361
  • Shelter Insurance - Travis Hawk

    1426 Broadway,
    Scottsbluff, NE 69361
  • J.G. Elliott Insurance Center

    1110 Circle Dr,
    Scottsbluff, NE 69361
View more

Scottsbluff DMV Information

The Nebraska DMV provides several online services, and you can also visit the Scotts Bluff County 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 at:

1825 10th St
Gering, NE 69341
1 (308) 436-6597

Public Transportation in Scottsbluff

The Tri-City Roadrunner operates two routes every hour, and you can make a reservation to deviate up to three-quarters of a mile from the route on weekdays. The cost for the service is $3 per one-way trip. Outside the service area, there’s also curb-to-curb demand response service. In a pinch, both Uber and Lyft are available as well, but ridesharing can be a costly way to get around.

Most errands in Scottsbluff can be accomplished on foot, but most residents rely on their cars to get to work. Fewer than 1 percent of people in Scottsbluff use the public transit system, while nearly 95 percent get to work by car, driving an average of 10.5 minutes to get there.

How to Get the Cheapest Car Insurance in Scottsbluff

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 agencies and keep track of quotes with a spreadsheet. You can even change your deductible and coverage limits to easily see how they will affect your premium. And you can shop for home insurance and life insurance as well.

FAQs - Scottsbluff, NE Car Insurance

  • You can use Insurify to compare multiple quotes from top companies like Allstate, 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 Scottsbluff is $119 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, gender, credit score, and driving history.

  • High-risk drivers, teen drivers, and people with bad credit will pay more for car insurance in Scottsbluff. But it’s possible to find a cheap rate even if you’re young and have infractions on your record. Comparing rates with Insurify is a great way to find a good deal and keep your insurance costs low.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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 Scottsbluff 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 Scottsbluff, 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 Scottsbluff 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.

ford

Ford F-Series Pickup

Most Popular Car in Scottsbluff

N/A

City with the Most Speeding Tickets Rank in Nebraska

N/A

City with the Most Moving Violations Rank in Nebraska

N/A

City with the Most DUIs Rank in Nebraska

N/A

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 Scottsbluff is the Ford F-Series Pickup.

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

    • Rank within state: N/A
    • Percent of drivers in Scottsbluff with a DUI: N/A
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nebraska, Scottsbluff drivers rank in the number of speeding infractions per driver.

    • Rank within state: N/A
    • Percent of drivers in Scottsbluff with a speeding ticket: N/A
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
Linkedin

Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Learn More

Sources

  1. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022