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Get Cheap Car Insurance in Chase County, NE

We monitor insurance prices, helping the average driver in Chase County save up to 39.3% on car insurance.

 

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The Cheapest Minimum Coverage in Chase County

The chart below shows the cheapest car insurance company in Chase County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.

 
Chase County Insurer Monthly Cost
Farm Bureau $36
American Family Insurance $42
State Farm $42
Progressive $50

Savings for Every Kind of Chase County Driver

The table shows how much the average auto insurance customer in Chase County might save by following our recommendations.

Based on our extensive insurance data, we know the average Chase County driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $571 per year by choosing the right vehicle insurance company. Some Chase County residents are paying out over $1,454 extra every year for auto insurance in Chase County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Chase County, NE Savings / Yr.
Drivers with good records
$571
Drivers with accidents
$429
Drivers with speeding tickets
$403
Drivers with a DUI conviction
$313
Young drivers
$1,380
Married drivers
$165
Drivers with bad credit
$763

Chase County Car Insurance vs. Nebraska

People living in Chase County pay an average of 1.99% more than the typical driver in the state. The average driver in Chase County can expect to pay about $597 per year, or $1,454 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Chase County for most people.

Car Insurance Prices by Chase County Neighborhood

Chase County, NE map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Chase County?

The map shows insurance prices in and around Chase County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the county boundaries, with insurance premiums ranging from a high of $1,467 to a low of $1,446. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Chase County.

Pick the Best Car Insurance Company for You in Chase County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Chase County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Chase County

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $571 over the average Chase County car insurance company.

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We use the average good driver, paying $74 per month, as our baseline for pricing in Chase County. Nationwide, Safeco Insurance, and Farmers Mutual of Nebraska are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Chase County drivers with accidents on their records

In Chase County getting into an accident will raise premiums an average 26% for a yearly cost of $1,978. That's $523 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Farmers Mutual of Nebraska, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $429 over the competition.

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The best car insurance company for Chase County drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $403 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Chase County, tickets raise premiums on new quotes about $284. If you have a speeding ticket, we recommend State Farm, Geico, and Farmers Mutual of Nebraska for savings that beat the average insurance cost of $1,738 per year.

The best auto insurance for Chase County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,101 per year in auto insurance premiums, which was $647 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from American Family Insurance may cost the average person with a DUI about $313 less each year.

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The least expensive car insurance company for new and young drivers in Chase County

In Chase County, Farmers Mutual of Nebraska costs young drivers $1,380 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Chase County. With an average cost of $4,231 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farmers Mutual of Nebraska, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Chase County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $113. Progressive, Nationwide, and Farm Bureau provided the largest discounts to couples living in Chase County.

Nationwide gave the largest car insurance discounts to married couples, averaging $165 saved each year compared to an average Chase County couple's premiums.

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The cheapest car insurance in Chase County for drivers with bad credit

People with poor credit saved an average of $763 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,151 every year. Premiums for people with poor credit were about $2,606 in Chase County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farmers Mutual of Nebraska.

The best Chase County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Chase County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Chase County.

Nationwide was the best company for customer service in Chase County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Chase County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Chase County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Chase County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 22% of Chase County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Nationwide tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Chase County driver can expect to pay about $98 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Chase County, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.
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Auto Insurance Prices in and Around Chase County

What Influences the Cost of Car Insurance in Chase County?

On average, car insurance in Chase County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Chase County is 16 minutes, which is far less than average for a driver in the state.
  • Nebraska state insurance regulations may allow for lower prices.
  • An average of 1 to 2 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Chase County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Chase County is a fairly densely populated area in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Chase County is $50 per month for minimum coverage and $121 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Chase County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Chase County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.