Cheap Quotes for Elk Creek, NE Car Insurance (2021)

Elk Creek, Nebraska car insurance rates average $277 a month and Nebraska law requires coverage of at least 25/50/25. By comparing rates from multiple Elk Creek, NE companies, you can find cheap Elk Creek car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Elk Creek is USAA
  • Elk Creek has an average commute time of 20.1 minutes
  • Average car insurance rates in Elk Creek, NE are $277/month

How do the Elk Creek, Nebraska monthly average car insurance rates of $277/month compare to nearby cities like Columbus car insurance rates, Grand Island car insurance rates, and Lincoln car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elk Creek, NE.

We’ll cover the Nebraska minimum coverage requirements, Nebraska car insurance laws, and Elk Creek, NE statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Elk Creek, Nebraska companies to find the most affordable Elk Creek car insurance rates.

Enter your ZIP code above to find cheap Elk Creek, NE car insurance quotes today.

What are the minimum Elk Creek, NE car insurance requirements?

To meet Nebraska minimum car insurance coverage requirements, Elk Creek, NE drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Elk Creek, Nebraska

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Elk Creek, NE car insurance rates?

Three of the criteria that most affect car insurance rates in Elk Creek, Nebraska are age, gender, and marital status. Let’s take a look at how each of these stack up with top Elk Creek car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elk Creek, Nebraska

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,096 $1,995 $1,861 $1,876 $5,835 $6,125 $2,358 $2,410
American Family $1,778 $1,778 $1,616 $1,616 $2,948 $4,303 $1,739 $1,877
Farmers $2,357 $2,349 $2,113 $2,228 $9,001 $9,285 $2,652 $2,766
GEICO $2,747 $2,695 $2,692 $2,591 $5,684 $7,440 $2,478 $2,399
Liberty Mutual $3,178 $3,451 $2,510 $3,056 $13,515 $15,190 $3,338 $3,700
Nationwide $1,831 $1,891 $1,639 $1,755 $4,226 $5,274 $2,109 $2,283
Progressive $2,051 $1,986 $1,682 $1,748 $7,677 $8,659 $2,451 $2,610
State Farm $1,645 $1,645 $1,441 $1,441 $4,446 $5,679 $1,817 $2,055
USAA $1,304 $1,300 $1,188 $1,221 $4,120 $4,927 $1,682 $1,874

How much do teen drivers pay for car insurance in Elk Creek, NE?

Elk Creek, Nebraska car insurance rates for teens are often higher than rates for other drivers. Compare Elk Creek car insurance rates from multiple Elk Creek, Nebraska car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Elk Creek, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $2,948 $4,303
Farmers $9,001 $9,285
GEICO $5,684 $7,440
Liberty Mutual $13,515 $15,190
Nationwide $4,226 $5,274
Progressive $7,677 $8,659
State Farm $4,446 $5,679
USAA $4,120 $4,927

How much do senior drivers pay for car insurance in Elk Creek, NE?

With a little research, seniors can find affordable car insurance in Elk Creek, Nebraska. Here’s a look at how the top Elk Creek car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Elk Creek, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,616 $1,616
Farmers $2,113 $2,228
GEICO $2,692 $2,591
Liberty Mutual $2,510 $3,056
Nationwide $1,639 $1,755
Progressive $1,682 $1,748
State Farm $1,441 $1,441
USAA $1,188 $1,221

How does coverage level affect Elk Creek, NE car insurance rates?

How much coverage do you need? Are you comfortable with the Nebraska minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Elk Creek, NE car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Elk Creek, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,196 $2,273 $2,153
Farmers $3,909 $4,031 $4,342
GEICO $3,506 $3,587 $3,679
Liberty Mutual $5,827 $5,960 $6,190
Nationwide $2,673 $2,615 $2,589
Progressive $3,437 $3,598 $3,790
State Farm $2,420 $2,517 $2,626
USAA $2,129 $2,199 $2,279

How does your driving record affect Elk Creek, NE car insurance rates?

Safe driving pays off. The more traffic violations you have in Elk Creek, NE, the higher your car insurance rates will be. Compare rates based on driving infractions from top Elk Creek, Nebraska companies.

Annual Elk Creek, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,004 $3,630 $2,980
American Family $2,161 $2,345 $2,161 $2,161
Farmers $3,471 $4,442 $4,333 $4,130
GEICO $2,306 $3,313 $4,992 $3,752
Liberty Mutual $5,142 $6,051 $6,567 $6,208
Nationwide $1,863 $2,691 $3,838 $2,111
Progressive $3,072 $4,485 $3,434 $3,441
State Farm $2,343 $2,699 $2,521 $2,521
USAA $1,670 $2,105 $3,141 $1,892

How does a DUI affect Elk Creek, NE car insurance rates?

With even one DUI on your record, you can see an increase in your Elk Creek, NE car insurance rates.

Annual Car Insurance Rates After a DUI in Elk Creek, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,630
American Family $2,161
Farmers $4,333
GEICO $4,992
Liberty Mutual $6,567
Nationwide $3,838
Progressive $3,434
State Farm $2,521
USAA $3,141

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How does your credit history affect Elk Creek, NE car insurance rates?

Take a look at the data here to see how your Elk Creek, Nebraska car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Elk Creek, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $2,952 $2,024 $1,645
Farmers $4,692 $3,888 $3,702
GEICO $4,105 $3,563 $3,104
Liberty Mutual $8,655 $5,218 $4,103
Nationwide $3,157 $2,512 $2,208
Progressive $4,152 $3,473 $3,199
State Farm $3,664 $2,196 $1,704
USAA $2,931 $1,987 $1,688

How does your commute affect Elk Creek, NE car insurance rates?

Elk Creek, NE car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Nebraska can be seen here. Remember, though, that you may have to carry substantially more car insurance in Elk Creek if you’re financing.

Annual Car Insurance Rates by Commute Length in Elk Creek, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,189 $2,225
Farmers $4,094 $4,094
GEICO $3,535 $3,646
Liberty Mutual $5,992 $5,992
Nationwide $2,626 $2,626
Progressive $3,608 $3,608
State Farm $2,456 $2,586
USAA $2,177 $2,227

Who has the cheapest Elk Creek, NE car insurance rates?

Here’s a breakdown of Elk Creek, Nebraska car insurance rates by company. You can see which company offers the cheapest Elk Creek car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Elk Creek, Nebraska

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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What are the top Elk Creek, NE car insurance companies?

Which Elk Creek, Nebraska car insurance company will best fit your needs and budget? Check out this comparison of the top Elk Creek companies to find the one for you.

Average Annual Car Insurance Rates by Company in Elk Creek, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,207
Farmers $4,094
GEICO $3,591
Liberty Mutual $5,992
Nationwide $2,626
Progressive $3,608
State Farm $2,521
USAA $2,202

What factors affect Elk Creek, NE car insurance rates?

Why are Elk Creek, Nebraska car insurance rates different than rates in Columbus or Grand Island? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Elk Creek, NE?

More time spent behind the wheel can lead to higher Elk Creek, Nebraska car insurance rates. In Elk Creek, NE, the average commute length is 20.1 minutes.

Car Insurance Quotes for Elk Creek, NE

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