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

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Last Updated: January 2022
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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.

$120
$159
$173
Liberty MutualDairylandBristol West

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.

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.

Average Car Insurance Cost

$120
$133
$92
$124
$102
$151
NebraskaOmahaLincolnBellevueGrand IslandScottsbluff
Click here to learn about car insurance quotes and save on your current policy.

Scottsbluff, NE Driving Facts

nebraska

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. 

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.

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.

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:

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.

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

Insurify Insights: How Scottsbluff Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Scottsbluff, NE
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Scottsbluff drivers measure up to their fellow Nebraska motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Scottsbluff

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.

DUI/DWIs in Scottsbluff

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: #--
  • Percent of drivers in Scottsbluff with a DUI: {{percentDrivers}}%
  • Drivers in Scottsbluff, NE with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Scottsbluff

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: #--
  • Percent of drivers in Scottsbluff with a speeding ticket: {{percentDrivers}}%
  • Drivers in Scottsbluff, NE with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

FAQs - Scottsbluff, NE Car Insurance

How do I find cheap car insurance in Scottsbluff, NE?

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.

How much does car insurance cost in Scottsbluff, NE?

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.

What drives up car insurance rates in Scottsbluff, NE?

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.

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.


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