Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

  • The cheapest car insurance company in Sidney for teen drivers is American Family
  • Average car insurance rates in Sidney, NE for senior drivers are $2,069/year
  • Average car insurance rates in Sidney, NE are $294/month

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

It may even be helpful to compare Sidney car insurance rates with Columbus car insurance rates, North Platte car insurance rates, or Kearney car insurance rates to make sure you’re getting the best Sidney, NE car insurance quotes available.

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

Sidney, NE Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Sidney, Nebraska

Insurance Company Low Medium High
Allstate $3,732 $3,828 $3,947
American Family $2,134 $2,212 $2,098
Farmers $3,823 $3,927 $4,187
GEICO $4,799 $4,872 $4,956
Liberty Mutual $6,006 $6,130 $6,345
Nationwide $2,570 $2,502 $2,471
Progressive $3,539 $3,679 $3,846
State Farm $2,145 $2,223 $2,313
USAA $2,255 $2,322 $2,400

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sidney, 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 $2,648 $2,530 $2,333 $2,355 $7,180 $7,531 $3,017 $3,091
American Family $1,729 $1,729 $1,572 $1,572 $2,868 $4,193 $1,691 $1,827
Farmers $2,330 $2,322 $2,093 $2,200 $8,625 $8,890 $2,625 $2,750
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 $1,782 $1,846 $1,592 $1,711 $3,970 $4,975 $2,035 $2,206
Progressive $2,109 $2,051 $1,729 $1,791 $7,790 $8,802 $2,529 $2,705
State Farm $1,477 $1,477 $1,285 $1,285 $3,868 $4,955 $1,627 $1,842
USAA $1,413 $1,419 $1,272 $1,329 $4,191 $5,050 $1,849 $2,083

Sidney, NE Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Sidney, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,180 $7,531
American Family $2,868 $4,193
Farmers $8,625 $8,890
GEICO $7,445 $9,812
Liberty Mutual $13,785 $15,490
Nationwide $3,970 $4,975
Progressive $7,790 $8,802
State Farm $3,868 $4,955
USAA $4,191 $5,050

Sidney, NE Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Sidney, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,333 $2,355
American Family $1,572 $1,572
Farmers $2,093 $2,200
GEICO $3,747 $3,606
Liberty Mutual $2,606 $3,170
Nationwide $1,592 $1,711
Progressive $1,729 $1,791
State Farm $1,285 $1,285
USAA $1,272 $1,329

Sidney, NE Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Sidney, Nebraska

Insurance Company Poor Fair Good
Allstate $4,775 $3,610 $3,122
American Family $2,873 $1,969 $1,602
Farmers $4,567 $3,775 $3,596
GEICO $5,585 $4,834 $4,208
Liberty Mutual $8,911 $5,357 $4,214
Nationwide $3,030 $2,399 $2,114
Progressive $4,253 $3,547 $3,265
State Farm $3,235 $1,940 $1,507
USAA $3,114 $2,093 $1,770

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Sidney, NE Car Insurance Rates by Driver History

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

Annual Sidney, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,350 $3,766 $4,500 $3,726
American Family $2,102 $2,286 $2,102 $2,102
Farmers $3,376 $4,311 $4,205 $4,026
GEICO $3,081 $4,482 $6,834 $5,106
Liberty Mutual $5,293 $6,213 $6,754 $6,382
Nationwide $1,773 $2,575 $3,695 $2,016
Progressive $3,142 $4,579 $3,510 $3,522
State Farm $2,079 $2,375 $2,227 $2,227
USAA $1,772 $2,216 $3,309 $2,006

Sidney, NE Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Sidney, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,500
American Family $2,102
Farmers $4,205
GEICO $6,834
Liberty Mutual $6,754
Nationwide $3,695
Progressive $3,510
State Farm $2,227
USAA $3,309

Sidney, NE Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Sidney, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,836 $3,836
American Family $2,130 $2,165
Farmers $3,979 $3,979
GEICO $4,799 $4,953
Liberty Mutual $6,160 $6,160
Nationwide $2,515 $2,515
Progressive $3,688 $3,688
State Farm $2,170 $2,284
USAA $2,298 $2,353

Sidney, NE Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in Sidney, Nebraska

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

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Sidney, NE Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Sidney, Nebraska

Insurance Company Average Annual Rates
Allstate $3,836
American Family $2,148
Farmers $3,979
GEICO $4,876
Liberty Mutual $6,160
Nationwide $2,515
Progressive $3,688
State Farm $2,227
USAA $2,326

Other Factors Affecting Sidney, NE Car Insurance Rates

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

Sidney, NE Commute Time

How does your Sidney, NE commute time compare with the average driver? In Sidney, the average commute is 10.7 minutes.

Sidney, NE Car Insurance Quotes

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