Cheapest Auto Insurance in Grand Island, Nebraska (2024)
Auto-Owners offers the cheapest car insurance in Grand Island, with minimum-coverage policies as low as $22 per month.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Grand Island has some of the most affordable car insurance rates in Nebraska. Grand Island drivers pay an overall average of $136 per month for auto coverage. This is similar to the state average of $149 per month, but your actual premium will depend on your type of coverage, driving history, age, and other factors.
If you live in Grand Island and need car insurance, compare insurance companies below and learn how to find affordable coverage in the city.
Quick Facts
The average cost of car insurance in Grand Island is $82 per month for liability and $190 per month for full coverage.
Auto-Owners, American Family, and USAA have the cheapest car insurance in Grand Island.
Auto-Owners is the cheapest full-coverage auto insurer in Grand Island, with a monthly rate of $37.
3 of the cheapest car insurance companies in Grand Island
Finding cheap car insurance in Grand Island will depend on your coverage needs and unique financial situation. Whether you have a clean record, a ticket, or an accident, you want to find an insurance company that provides competitive rates. See three of the best options for car insurance in Grand Island below, based on affordability and quality of coverage. Rates shown in the table are for the state of Nebraska.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $40 | $25 | Cheap rates |
| Clearcover | 6.8 | $87 | $49 | Liability coverage |
| Midvale Home & Auto | 4.0 | $125 | $75 | Senior drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $22/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $37/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Headquartered in Lansing, Michigan, Auto-Owners is one of the nation's largest auto insurers, serving nearly 3 million policyholders in 26 states. It offers consistently low rates to Grand Island drivers, and provide many discounts to help drivers reduce their costs even more. Auto-Owners scored above-average for overall customer satisfaction in J.D. Power's 2024 U.S. Auto Insurance Study.
Pros
Multiple discounts
High customer satisfaction ratings
Cons
Quotes only available through the company's independent agents
Only available in 26 states
Best insurer for liability coverage: Clearcover
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard
October 7, 2024
Verified Review
T.B.
Too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
If you’re looking for the most affordable liability-only coverage, Clearcover is one of the best digital car insurance companies to consider. Clearcover automatically includes savings for safe driving, vehicle safety features, electronic documents, and up-front payments into your insurance premium. The company also offers a military discount.
Pros
Fast claims processing, with most claims paid within a week
App with AI technology
Cons
Offers less affordable full-coverage insurance than some other companies
Above-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index
Best insurer for senior drivers: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto is a great option for older drivers in Grand Island. In addition to auto insurance, the company offers home, condo, and renters coverage and provides bundling opportunities.
Pros
Savings possible through bundling home and auto coverages
Numerous advertised discounts
Cons
Above-average number of customer complaints, based on NAIC data
No mobile app
How to get the cheapest car insurance in Grand Island
To get the best car insurance rates in Grand Island, take the following steps:
Compare insurance companies. Look at many different car insurance companies in your area. Review rates, coverage types, benefits, discounts, and more. Aim to obtain rates from a minimum of three insurers so you have multiple reference points.
Look for eligible discounts. Many insurance companies offer discounts to good drivers and people who decide to bundle their auto policy with another insurance policy. See what discounts you may qualify for, and make note of discount percentages.
Maintain safe driving habits. Low car insurance rates start with good driving. Keep up safe driving habits, such as wearing a seat belt, putting your phone away, and not driving while distracted or under the influence of any substances.
Find Cheap Coverage in Grand Island
Liability rates start at $22/mo.
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Cheapest liability-only car insurance in Grand Island: Auto-Owners
Liability-only car insurance is often the most affordable coverage option, but it typically only includes the minimum coverage requirements in your state. This type of coverage pays for any property damage or bodily injury you cause in an accident.
It’s important to note that liability insurance doesn’t cover your own vehicle damages or personal injuries.
Liability insurance in Grand Island costs an average of $82 per month. The table below shows the cheapest companies for liability coverage in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $22 |
| American Family | $31 |
| USAA | $35 |
| GEICO | $36 |
| Allstate | $37 |
| State Farm | $38 |
| Clearcover | $45 |
| National General | $49 |
| Nationwide | $52 |
| Progressive | $55 |
| Safeco | $61 |
| AssuranceAmerica | $63 |
| Farmers | $64 |
| Shelter | $66 |
| Dairyland | $87 |
| Foremost | $94 |
| The General | $99 |
| Liberty Mutual | $105 |
| Bristol West | $106 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Grand Island: Auto-Owners
If you want to protect your vehicle, opting for full-coverage insurance is your best option. Full coverage generally covers all your bases with liability, comprehensive, and collision coverage. Drivers in Grand Island who want the most protection should consider full coverage over liability-only insurance.
Grand Island drivers pay a monthly average of $190 for full-coverage car insurance. Start your search for full coverage with the companies in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $37 |
| American Family | $49 |
| USAA | $55 |
| GEICO | $58 |
| Allstate | $60 |
| State Farm | $65 |
| Clearcover | $79 |
| Nationwide | $83 |
| Progressive | $89 |
| Farmers | $103 |
| AssuranceAmerica | $104 |
| Shelter | $106 |
| National General | $110 |
| Safeco | $133 |
| Liberty Mutual | $197 |
| Dairyland | $201 |
| Foremost | $239 |
| Bristol West | $244 |
| The General | $253 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Island, Nebraska
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $71/mo for full coverage in Grand Island and other Nebraska cities.
*Quotes generated for Insurify users in and around Grand Island, Nebraska within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Grand Island, Nebraska within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nebraska
Every state sets its own minimum car insurance requirements. In Nebraska, the minimum liability coverage that drivers must possess includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.[1]
Nebraska is an at-fault — or tort — state, which means drivers in Nebraska who cause an accident are responsible for covering damage and injury.
“Car insurance in Nebraska is based on various rating factors, so it is important to review coverage. The Department of Insurance requires the car owner purchases and maintains minimum liability and uninsured motorists coverage,” says Nick Schrader, insurance agent and owner of Second Western Insurance in Texas.
“The consumer can also purchase optional coverage for physical damage such as collision and comprehensive losses,” says Schrader. “The rate is based on driving experience, mileage usage, garaging ZIP code, and professional discounts.”
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury liability | $25,000 per person / $50,000 per accident |
Beyond required insurance, you may want to purchase the following optional coverages for additional protection:
Collision coverage
Collision insurance covers damage to your vehicle following an auto accident or collision with an object, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers damages for non-collision incidents, like fires, natural disasters, vandalism, and falling objects.
Medical payments coverage
Also called MedPay, medical payments insurance provides coverage for medical treatment and funeral expenses after an accident for you and any passengers.
Accident forgiveness
Getting into an accident can increase your rates by 26% or more, Insurify data shows. Accident forgiveness is an optional coverage, offered by some insurers, that helps prevent your premium from increasing after your first accident.
Cheapest car insurance for drivers with an incident
Drivers in Grand Island with an incident on their record can expect to pay more for car insurance coverage for several years. Incidents can include speeding tickets, at-fault accidents, and driving under the influence (DUI), as well as other moving violations. These incidents go on your driving record.
Insurance companies typically consider incidents as indicators of risk and increase rates to make up for the additional risk.[2]
Find Car Insurance in Grand Island, NE
Monthly rates start at $28 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Getting a speeding ticket can increase your insurance premiums for three to five years. The average Grand Island driver with a speeding ticket pays $126 per month for liability coverage.
But you can still find affordable options for car insurance in Grand Island after receiving a ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $30 |
| American Family | $31 | $42 |
| USAA | $35 | $48 |
| GEICO | $36 | $49 |
| Allstate | $37 | $51 |
| State Farm | $38 | $51 |
| Clearcover | $45 | $62 |
| National General | $49 | $67 |
| Nationwide | $52 | $72 |
| Progressive | $55 | $75 |
| Safeco | $61 | $85 |
| AssuranceAmerica | $63 | $86 |
| Farmers | $64 | $87 |
| Shelter | $66 | $94 |
| Dairyland | $87 | $119 |
| Foremost | $94 | $138 |
| The General | $99 | $138 |
| Liberty Mutual | $105 | $154 |
| Bristol West | $106 | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
At-fault accidents go on your driving record and affect your car insurance premiums. Without an accident, Grand Island drivers pay an average of $82 per month for liability coverage, but that increases to $130 per month after an at-fault accident.
Here are some of the cheapest car insurance companies to consider if you have an at-fault accident on your record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $32 |
| American Family | $31 | $44 |
| USAA | $35 | $50 |
| GEICO | $36 | $52 |
| Allstate | $37 | $53 |
| State Farm | $38 | $54 |
| Clearcover | $45 | $69 |
| National General | $49 | $70 |
| Nationwide | $52 | $75 |
| Progressive | $55 | $79 |
| Safeco | $61 | $86 |
| AssuranceAmerica | $63 | $88 |
| Farmers | $64 | $91 |
| Shelter | $66 | $98 |
| Dairyland | $87 | $123 |
| Foremost | $94 | $143 |
| The General | $99 | $144 |
| Liberty Mutual | $105 | $159 |
| Bristol West | $106 | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
A serious infraction with the most detrimental effects on car insurance rates, a DUI may double your car insurance costs compared to drivers with a clean record. For example, Grand Island drivers with DUIs pay an average of $146 per month for liability coverage and $339 per month for full coverage.
A DUI may also prompt your insurer to decline to renew your policy, or even cancel it mid-term. And some insurers won't cover you when you apply for a new policy with a DUI on your record.
Here are cheap auto insurers for drivers with a DUI to start your search for affordable coverage in Grand Island.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $38 |
| American Family | $31 | $53 |
| USAA | $35 | $60 |
| GEICO | $36 | $62 |
| Allstate | $37 | $64 |
| State Farm | $38 | $65 |
| Clearcover | $45 | $77 |
| National General | $49 | $84 |
| Nationwide | $52 | $89 |
| Progressive | $55 | $94 |
| Safeco | $61 | $97 |
| AssuranceAmerica | $63 | $108 |
| Farmers | $64 | $110 |
| Shelter | $66 | $113 |
| Dairyland | $87 | $149 |
| Foremost | $94 | $161 |
| The General | $99 | $170 |
| Liberty Mutual | $105 | $180 |
| Bristol West | $106 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Rates for drivers tend to decrease around age 25 but increase slightly around age 70. Senior drivers may face cost increases due to a greater risk of getting into an accident.[3]
Grand Island senior drivers pay an average of $56 per month for liability coverage. The table below shows the cheapest companies for senior drivers in Grand Island.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $16 | $27 |
| American Family | $22 | $35 |
| GEICO | $26 | $42 |
| USAA | $26 | $40 |
| Allstate | $27 | $44 |
| State Farm | $27 | $46 |
| National General | $34 | $76 |
| Nationwide | $35 | $56 |
| Clearcover | $36 | $62 |
| Progressive | $36 | $58 |
| AssuranceAmerica | $43 | $71 |
| Shelter | $43 | $70 |
| Farmers | $45 | $73 |
| Safeco | $48 | $104 |
| Dairyland | $63 | $146 |
| Foremost | $69 | $174 |
| The General | $73 | $187 |
| Bristol West | $77 | $178 |
| Liberty Mutual | $81 | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers have the highest accident rates of any age group, due to their lack of experience behind the wheel and likelihood of engaging in risky behaviors like distracted driving. [4] More risk means higher rates.
Rates for teen drivers are much higher than premiums for older drivers, at an average of $157 per month for liability coverage. To get cheap car insurance as a teenager, you should stay on your parents’ insurance plan and try to qualify for a good student or good driver discount. Teens younger than 18 can't legally buy their own insurance policy without the written consent of a parent or guardian.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $39 | $66 |
| American Family | $57 | $90 |
| GEICO | $61 | $99 |
| USAA | $62 | $98 |
| State Farm | $69 | $119 |
| Allstate | $70 | $113 |
| Clearcover | $87 | $154 |
| Nationwide | $96 | $154 |
| National General | $102 | $228 |
| Progressive | $102 | $166 |
| Shelter | $117 | $188 |
| Farmers | $119 | $191 |
| AssuranceAmerica | $122 | $202 |
| Safeco | $124 | $270 |
| Dairyland | $149 | $345 |
| The General | $167 | $428 |
| Foremost | $177 | $450 |
| Bristol West | $190 | $437 |
| Liberty Mutual | $191 | $359 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Grand Island car insurance quotes by credit tier
Nebraska is one of many states that allows insurers to use your credit history as part of the underwriting criteria to assess risk.
Having excellent or good credit will get you the most affordable car insurance rates in Grand Island, while drivers with poor credit pay higher rates because some insurers view low credit as an indicator of risk.[5]
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Grand Island?
Car insurance in Grand Island is more affordable than the national average. In Grand Island, the average monthly cost of full-coverage auto insurance is $190 per month. The national average in the U.S. is $204 per month for full-coverage car insurance.
Compared to the average cost of car insurance in Nebraska, Grand Island also has more affordable coverage. The overall average monthly cost of car insurance in Nebraska is $149, compared to $136 per month in Grand Island.
Location can affect rates because it affects your overall risk based on factors like accident rates, severity of accidents, cost of repairs, vehicle thefts and vandalism, and weather hazards. In Nebraska, cities such as Bellevue, Lincoln, and Omaha all have more expensive car insurance rates than Grand Island.
More cities in Nebraska
Grand Island drivers pay some of the cheapest average rates in the Cornhusker state when compared to other cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bellevue | $252 | $107 |
| Columbus | $201 | $81 |
| Fremont | $214 | $80 |
| Lincoln | $187 | $101 |
| Norfolk | $174 | $80 |
| Omaha | $227 | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grand Island car insurance FAQs
Finding car insurance can feel difficult, but Grand Island drivers pay some of the lowest rates in the state. The information below should help you navigate the process of finding coverage.
How much is car insurance in Grand Island?
The average cost of car insurance in Grand Island is $82 per month for liability coverage and $190 per month for full coverage.
Who has the cheapest car insurance in Grand Island?
Auto-Owners, American Family, and USAA are the cheapest liability insurers in Grand Island, with rates starting at $22, $31, and $35 per month, respectively.
Comparing quotes from multiple insurers is the best way to find the cheapest rates for your car insurance needs and financial situation.
What are the best car insurance companies in Grand Island?
Auto-Owners, Clearcover, and Midvale Home & Auto are some of the best insurers serving Grand Island. All three insurers offer consistently better-than-average rates, high financial strength ratings, and good customer satisfaction scores.
What happens if you don’t purchase the legally required insurance in Nebraska?
If the authorities catch you driving while uninsured in Nebraska, you’ll face fees, penalties, license suspension, and need to file an SR-22 form as proof of financial responsibility for three years from the date of your conviction.[6]
What should you do if your car was damaged in a tornado?
Comprehensive coverage should cover the cost of vehicle damage caused by a tornado. Once you see the damage, you should file a claim with your insurer. If you don’t have comprehensive coverage, you’ll likely have to pay for the damage yourself.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Nebraska Department of Motor Vehicles. "License Suspensions, Revocations, Impoundments and Confiscations."
- III. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- III. "Background on: Insurance scoring."
- Nebraska Department of Motor Vehicles. "No Proof of Insurance Conviction."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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