Buy Cheap Spencer, NE Auto Insurance (2022)

Spencer, NE auto insurance rates average $287 a month. Minimum auto insurance requirements in Spencer, Nebraska are 25/50/25 to comply with Nebraska laws. To buy cheap auto insurance in Spencer, NE, compare Spencer auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Spencer, NE are $287/month
  • Average auto insurance rates in Spencer, NE after a DUI are $3,989/year
  • Average auto insurance rates in Spencer, NE for teens drivers are $6,527/year

Finding affordable Spencer, Nebraska auto insurance can be challenging, but everything you need to know to buy cheap Spencer, NE auto insurance with confidence is right here. Auto insurance rates in Spencer are affected by local factors as well as personal ones like your driving record.

See how Spencer, NE car insurance rates compare to Columbus auto insurance rates, Lincoln auto insurance rates, and Hastings auto insurance rates before you read more about the cost of auto insurance in Spencer.

Don’t buy Spencer, NE auto insurance until you’ve compared rates. Get free Spencer, Nebraska auto insurance quotes when you enter your ZIP code above.

Spencer, NE Minimum Auto Insurance Requirements

The required auto insurance in Spencer, NE is 25/50/25 according to the auto insurance laws in Nebraska. The minimum auto insurance in Spencer, Nebraska is outlined here.

Minimum Required Auto Insurance Coverage in Spencer, 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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Find Cheap Spencer, NE Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Spencer, NE. Take a look at Spencer, Nebraska auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Spencer, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $3,020 $2,076 $1,687
Farmers $4,770 $3,936 $3,748
GEICO $4,349 $3,775 $3,290
Liberty Mutual $9,093 $5,453 $4,293
Nationwide $3,046 $2,403 $2,120
Progressive $4,488 $3,733 $3,432
State Farm $3,480 $2,087 $1,620
USAA $3,151 $2,118 $1,791

Buy Cheap Spencer, NE Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Spencer, Nebraska auto insurance rates? Find out how car insurance rates in Spencer, NE are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spencer, 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 $2,357 $2,256 $2,076 $2,095 $6,281 $6,608 $2,690 $2,762
American Family $1,834 $1,834 $1,663 $1,663 $3,011 $4,359 $1,794 $1,931
Farmers $2,424 $2,419 $2,177 $2,287 $8,998 $9,285 $2,741 $2,880
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,399 $3,695 $2,681 $3,260 $13,948 $15,674 $3,590 $3,991
Nationwide $1,802 $1,869 $1,608 $1,730 $3,946 $4,956 $2,050 $2,223
Progressive $2,242 $2,185 $1,834 $1,902 $8,141 $9,208 $2,688 $2,873
State Farm $1,608 $1,608 $1,390 $1,390 $4,113 $5,283 $1,769 $2,004
USAA $1,424 $1,430 $1,281 $1,337 $4,260 $5,137 $1,862 $2,096

Buy Cheap Spencer, NE Auto Insurance for Teen Drivers

Auto insurance for teenagers in Spencer can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spencer, NE are listed here.

Annual Auto Insurance Rates for Teen Drivers in Spencer, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $3,011 $4,359
Farmers $8,998 $9,285
GEICO $6,043 $7,918
Liberty Mutual $13,948 $15,674
Nationwide $3,946 $4,956
Progressive $8,141 $9,208
State Farm $4,113 $5,283
USAA $4,260 $5,137

Buy Cheap Spencer, NE Auto Insurance for Seniors

You can save on senior auto insurance rates in Spencer, Nebraska by comparing Spencer senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spencer, NE here.

Annual Auto Insurance Rates for Senior Drivers in Spencer, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,663 $1,663
Farmers $2,177 $2,287
GEICO $2,841 $2,734
Liberty Mutual $2,681 $3,260
Nationwide $1,608 $1,730
Progressive $1,834 $1,902
State Farm $1,390 $1,390
USAA $1,281 $1,337

Find Cheap Auto Insurance Rates in Spencer, NE by Coverage Level

The amount of coverage you choose is a big factor in the cost of Spencer, Nebraska auto insurance. Compare Spencer, NE auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spencer, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,255 $2,329 $2,199
Farmers $3,987 $4,096 $4,372
GEICO $3,714 $3,801 $3,899
Liberty Mutual $6,130 $6,251 $6,459
Nationwide $2,586 $2,509 $2,474
Progressive $3,728 $3,874 $4,050
State Farm $2,317 $2,392 $2,478
USAA $2,284 $2,350 $2,427

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Find Cheap Spencer, NE Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Spencer. Compare auto insurance rates in Spencer, NE by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Spencer, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,242 $2,280
Farmers $4,152 $4,152
GEICO $3,746 $3,863
Liberty Mutual $6,280 $6,280
Nationwide $2,523 $2,523
Progressive $3,884 $3,884
State Farm $2,334 $2,457
USAA $2,325 $2,381

Find Cheap Spencer, NE Auto Insurance Rates by Driving Record

Auto insurance rates in Spencer, Nebraska are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spencer, NE, take a look at the average cost for various violations versus rates for a clean driving record in Spencer.

Annual Spencer, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,970 $3,327 $3,969 $3,297
American Family $2,215 $2,399 $2,215 $2,215
Farmers $3,519 $4,494 $4,384 $4,208
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,400 $6,327 $6,888 $6,504
Nationwide $1,773 $2,583 $3,717 $2,019
Progressive $3,310 $4,814 $3,698 $3,714
State Farm $2,244 $2,547 $2,396 $2,396
USAA $1,792 $2,242 $3,351 $2,029

Find Cheap Spencer, NE Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Spencer, Nebraska is higher than for a clean driving record. You can buy auto insurance after a DUI in Spencer for less when you shop around and compare rates from multiple Spencer, NE auto insurance companies.

Annual Auto Insurance Rates After a DUI in Spencer, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,969
American Family $2,215
Farmers $4,384
GEICO $5,286
Liberty Mutual $6,888
Nationwide $3,717
Progressive $3,698
State Farm $2,396
USAA $3,351

Winners by Category: Where to Buy Cheap Auto Insurance in Spencer, NE

Compare rates from the cheapest auto insurance companies in Spencer, NE for your needs. Take a look at how Spencer, Nebraska auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Spencer, Nebraska

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

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Find Cheap Spencer, Nebraska Auto Insurance Companies

If you’re looking for the cheapest Spencer, NE auto insurance companies overall, you can compare them here. Find the best price for Spencer, Nebraska car insurance by company.

Average Annual Auto Insurance Rates by Company in Spencer, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,261
Farmers $4,152
GEICO $3,805
Liberty Mutual $6,280
Nationwide $2,523
Progressive $3,884
State Farm $2,396
USAA $2,353

What affects Spencer, Nebraska auto insurance rates?

Local factors affect auto insurance rates in Spencer, NE, including traffic, theft statistics, and commute length. Take a look at the things that impact Spencer auto insurance rates.

Commute Times in Spencer

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spencer, NE is 21.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Spencer, NE

You can buy cheap Spencer, NE auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spencer, Nebraska auto insurance quotes from top companies.

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