A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in McCook, NE are $294/month
  • The cheapest car insurance company in McCook after a DUI is American Family
  • Average car insurance rates in McCook, NE for senior drivers are $2,051/year

Average car insurance rates in McCook, Nebraska are $294 a month. But with a little research you can get a great deal from the top car insurance companies in McCook, NE. Before you buy McCook, Nebraska car insurance, make sure your coverage meets or exceeds the Nebraska minimum of 25/50/25.

It may even be helpful to compare McCook car insurance rates with Grand Island car insurance rates, Fremont car insurance rates, or Lincoln car insurance rates to make sure you’re getting the best McCook, NE car insurance quotes available.

Need affordable McCook, NE car insurance? Enter your ZIP code to compare McCook car insurance quotes from multiple car insurance companies near you.

McCook, NE Minimum Car Insurance Coverage

McCook, Nebraska law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in McCook, 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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McCook, NE Car Insurance Rates by Coverage Level

Some McCook drivers can get by with the Nebraska minimum coverage of 25/50/25. Other drivers may need more. See how much your McCook, Nebraska car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in McCook, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,118 $2,188 $2,068
Farmers $3,911 $4,004 $4,236
GEICO $4,116 $4,193 $4,280
Liberty Mutual $6,291 $6,412 $6,621
Nationwide $2,669 $2,579 $2,534
Progressive $3,648 $3,795 $3,968
State Farm $2,528 $2,603 $2,689
USAA $2,436 $2,504 $2,582

McCook, NE Car Insurance Rates by Age, Gender, and Marital Status

McCook, Nebraska car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy McCook, NE car insurance, get quotes from multiple car insurance companies in the McCook area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in McCook, 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 $1,716 $1,716 $1,559 $1,559 $2,837 $4,125 $1,678 $1,809
Farmers $2,412 $2,409 $2,170 $2,271 $8,636 $8,916 $2,721 $2,869
GEICO $3,271 $3,213 $3,200 $3,079 $6,485 $8,525 $2,940 $2,860
Liberty Mutual $3,449 $3,747 $2,719 $3,306 $14,424 $16,203 $3,639 $4,044
Nationwide $1,852 $1,922 $1,652 $1,778 $4,054 $5,100 $2,106 $2,286
Progressive $2,179 $2,120 $1,788 $1,849 $8,018 $9,067 $2,615 $2,796
State Farm $1,764 $1,764 $1,519 $1,519 $4,436 $5,710 $1,939 $2,199
USAA $1,509 $1,513 $1,359 $1,415 $4,567 $5,506 $1,972 $2,217

McCook, NE Car Insurance Rates for Teens

How much is McCook, Nebraska car insurance for teens? Compare rates from top McCook car insurance companies below to help find the cheapest teen car insurance in McCook, NE.

Annual Car Insurance Rates for Teen Drivers in McCook, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $2,837 $4,125
Farmers $8,636 $8,916
GEICO $6,485 $8,525
Liberty Mutual $14,424 $16,203
Nationwide $4,054 $5,100
Progressive $8,018 $9,067
State Farm $4,436 $5,710
USAA $4,567 $5,506

McCook, NE Car Insurance Rates for Seniors

Before seniors buy McCook, Nebraska car insurance, they should make sure to shop around. Some McCook, NE car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in McCook, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,559 $1,559
Farmers $2,170 $2,271
GEICO $3,200 $3,079
Liberty Mutual $2,719 $3,306
Nationwide $1,652 $1,778
Progressive $1,788 $1,849
State Farm $1,519 $1,519
USAA $1,359 $1,415

McCook, NE Car Insurance Rates by Credit History

How does your credit history affect McCook, NE car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in McCook, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $2,841 $1,950 $1,584
Farmers $4,659 $3,836 $3,656
GEICO $4,804 $4,162 $3,624
Liberty Mutual $9,321 $5,599 $4,404
Nationwide $3,133 $2,470 $2,178
Progressive $4,386 $3,659 $3,367
State Farm $3,788 $2,270 $1,761
USAA $3,357 $2,256 $1,908

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McCook, NE Car Insurance Rates by Driver History

How does a single speeding ticket affect your McCook, Nebraska car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in McCook.

Annual McCook, Nebraska Car 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 $2,079 $2,263 $2,079 $2,079
Farmers $3,441 $4,378 $4,270 $4,113
GEICO $2,666 $3,862 $5,866 $4,392
Liberty Mutual $5,534 $6,494 $7,063 $6,674
Nationwide $1,820 $2,655 $3,827 $2,074
Progressive $3,241 $4,721 $3,621 $3,632
State Farm $2,448 $2,765 $2,606 $2,606
USAA $1,906 $2,389 $3,574 $2,159

McCook, NE Car Insurance Rates With a DUI

Even a single DUI can increase your McCook, NE car insurance rates. Compare rates below to see which McCook car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in McCook, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
American Family $2,079
Farmers $4,270
GEICO $5,866
Liberty Mutual $7,063
Nationwide $3,827
Progressive $3,621
State Farm $2,606
USAA $3,574

McCook, NE Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your McCook, NE car insurance rates may be. Let’s take a look at average car insurance rates from top McCook companies based on commute time.

Annual Car Insurance Rates by Commute Length in McCook, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,107 $2,142
Farmers $4,050 $4,050
GEICO $4,131 $4,262
Liberty Mutual $6,441 $6,441
Nationwide $2,594 $2,594
Progressive $3,804 $3,804
State Farm $2,540 $2,673
USAA $2,478 $2,537

McCook, NE Cheapest Car Insurance Rates

How do the top McCook, Nebraska car insurance companies’ average rates stack up against the McCook average monthly car insurance rates of $294? Take a look and see.

Best Annual Car Insurance Rates by Company in McCook, Nebraska

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

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McCook, NE Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top McCook, Nebraska car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in McCook, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,125
Farmers $4,050
GEICO $4,197
Liberty Mutual $6,441
Nationwide $2,594
Progressive $3,804
State Farm $2,606
USAA $2,507

Other Factors Affecting McCook, NE Car Insurance Rates

Before you buy McCook, Nebraska car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

McCook, NE Commute Time

How does your McCook, NE commute time compare with the average driver? In McCook, the average commute is 11.8 minutes.

McCook, NE Car Insurance Quotes

Compare McCook, NE car insurance quotes from multiple companies by entering your ZIP code now.