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: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Oshkosh for teen drivers is American Family
  • Average car insurance rates in Oshkosh, NE for senior drivers are $2,056/year
  • The cheapest car insurance company in Oshkosh after a DUI is American Family

Average car insurance rates in Oshkosh, Nebraska are $292 a month. But with a little research you can get a great deal from the top car insurance companies in Oshkosh, NE. Before you buy Oshkosh, Nebraska car insurance, make sure your coverage meets or exceeds the Nebraska minimum of 25/50/25.

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

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

Oshkosh, NE Minimum Car Insurance Coverage

Oshkosh, 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 Oshkosh, 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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Oshkosh, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oshkosh, Nebraska

Insurance Company Low Medium High
Allstate $3,332 $3,386 $3,454
American Family $2,156 $2,235 $2,121
Farmers $3,696 $3,790 $4,026
GEICO $4,799 $4,872 $4,956
Liberty Mutual $6,006 $6,130 $6,345
Nationwide $2,586 $2,509 $2,474
Progressive $3,466 $3,632 $3,825
State Farm $2,502 $2,587 $2,683
USAA $2,255 $2,322 $2,400

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oshkosh, 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 $1,751 $1,751 $1,591 $1,591 $2,895 $4,225 $1,713 $1,849
Farmers $2,244 $2,235 $2,015 $2,116 $8,313 $8,570 $2,538 $2,666
GEICO $3,833 $3,768 $3,747 $3,606 $7,445 $9,812 $3,441 $3,354
Liberty Mutual $3,302 $3,588 $2,606 $3,170 $13,785 $15,490 $3,480 $3,864
Nationwide $1,802 $1,869 $1,608 $1,730 $3,946 $4,956 $2,050 $2,223
Progressive $2,057 $1,992 $1,686 $1,751 $7,770 $8,775 $2,462 $2,635
State Farm $1,747 $1,747 $1,508 $1,508 $4,423 $5,698 $1,921 $2,172
USAA $1,413 $1,419 $1,272 $1,329 $4,191 $5,050 $1,849 $2,083

Oshkosh, NE Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oshkosh, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,281 $6,608
American Family $2,895 $4,225
Farmers $8,313 $8,570
GEICO $7,445 $9,812
Liberty Mutual $13,785 $15,490
Nationwide $3,946 $4,956
Progressive $7,770 $8,775
State Farm $4,423 $5,698
USAA $4,191 $5,050

Oshkosh, NE Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oshkosh, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,076 $2,095
American Family $1,591 $1,591
Farmers $2,015 $2,116
GEICO $3,747 $3,606
Liberty Mutual $2,606 $3,170
Nationwide $1,608 $1,730
Progressive $1,686 $1,751
State Farm $1,508 $1,508
USAA $1,272 $1,329

Oshkosh, NE Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oshkosh, Nebraska

Insurance Company Poor Fair Good
Allstate $4,211 $3,196 $2,766
American Family $2,902 $1,990 $1,620
Farmers $4,405 $3,640 $3,467
GEICO $5,585 $4,834 $4,208
Liberty Mutual $8,911 $5,357 $4,214
Nationwide $3,046 $2,403 $2,120
Progressive $4,186 $3,505 $3,232
State Farm $3,765 $2,256 $1,751
USAA $3,114 $2,093 $1,770

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Oshkosh, NE Car Insurance Rates by Driver History

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

Annual Oshkosh, 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 $2,125 $2,309 $2,125 $2,125
Farmers $3,252 $4,155 $4,052 $3,890
GEICO $3,081 $4,482 $6,834 $5,106
Liberty Mutual $5,293 $6,213 $6,754 $6,382
Nationwide $1,773 $2,583 $3,717 $2,019
Progressive $3,098 $4,532 $3,464 $3,471
State Farm $2,430 $2,751 $2,591 $2,591
USAA $1,772 $2,216 $3,309 $2,006

Oshkosh, NE Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oshkosh, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
American Family $2,125
Farmers $4,052
GEICO $6,834
Liberty Mutual $6,754
Nationwide $3,717
Progressive $3,464
State Farm $2,591
USAA $3,309

Oshkosh, NE Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oshkosh, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,391 $3,391
American Family $2,153 $2,189
Farmers $3,837 $3,837
GEICO $4,799 $4,953
Liberty Mutual $6,160 $6,160
Nationwide $2,523 $2,523
Progressive $3,641 $3,641
State Farm $2,523 $2,658
USAA $2,298 $2,353

Oshkosh, NE Cheapest Car Insurance Rates

How do the top Oshkosh, Nebraska car insurance companies’ average rates stack up against the Oshkosh average monthly car insurance rates of $292? Take a look and see.

Best Annual Car Insurance Rates by Company in Oshkosh, 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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Oshkosh, NE Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oshkosh, Nebraska

Insurance Company Average Annual Rates
Allstate $3,391
American Family $2,171
Farmers $3,837
GEICO $4,876
Liberty Mutual $6,160
Nationwide $2,523
Progressive $3,641
State Farm $2,591
USAA $2,326

Other Factors Affecting Oshkosh, NE Car Insurance Rates

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

Oshkosh, NE Commute Time

How does your Oshkosh, NE commute time compare with the average driver? In Oshkosh, the average commute is 13.8 minutes.

Oshkosh, NE Car Insurance Quotes

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