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Get Cheap Car Insurance in Dunbar, NE

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

 

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The Cheapest Minimum Coverage in Dunbar

The chart below shows the cheapest car insurance company in Dunbar 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.

 
Dunbar Insurer Monthly Cost
Farm Bureau $35
American Family Insurance $40
State Farm $40
Progressive $49

Savings for Every Kind of Dunbar Driver

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

Based on our extensive insurance data, we know the average Dunbar 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 $555 per year by choosing the right vehicle insurance company. Some Dunbar residents are paying out over $1,414 extra every year for auto insurance in Dunbar. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Dunbar Car Insurance vs. Nebraska

People living in Dunbar pay an average of 0.83% less than the typical driver in the state. The average driver in Dunbar can expect to pay about $580 per year, or $1,414 for full coverage.

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

Car Insurance Prices by Dunbar Neighborhood

Dunbar, NE map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Dunbar?

The map shows insurance prices in and around Dunbar, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $43 per year within the city boundaries, with insurance premiums ranging from a high of $1,418 to a low of $1,375. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Dunbar.

Pick the Best Car Insurance Company for You in Dunbar

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 Dunbar insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Dunbar

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $555 over the average Dunbar car insurance company.

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We use the average good driver, paying $72 per month, as our baseline for pricing in Dunbar. 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 Dunbar drivers with accidents on their records

In Dunbar getting into an accident will raise premiums an average 26% for a yearly cost of $1,923. That's $509 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 $417 over the competition.

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The best car insurance company for Dunbar drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $392 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 Dunbar, tickets raise premiums on new quotes about $276. 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 $1,690 per year.

The best auto insurance for Dunbar drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,043 per year in auto insurance premiums, which was $629 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 $304 less each year.

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

In Dunbar, Farmers Mutual of Nebraska costs young drivers $1,342 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 Dunbar. With an average cost of $4,114 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 Dunbar

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $110. Progressive, Nationwide, and Farm Bureau provided the largest discounts to couples living in Dunbar.

Nationwide gave the largest car insurance discounts to married couples, averaging $161 saved each year compared to an average Dunbar couple's premiums.

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The cheapest car insurance in Dunbar for drivers with bad credit

People with poor credit saved an average of $742 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,120 every year. Premiums for people with poor credit were about $2,534 in Dunbar. 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 Dunbar car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Dunbar, 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 Dunbar.

Nationwide was the best company for customer service in Dunbar 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 Dunbar, 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 Dunbar. 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 Dunbar

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Dunbar residents who are renting, and don't plan to be in the city 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 Dunbar 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 Dunbar, 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 Dunbar

What Influences the Cost of Car Insurance in Dunbar?

On average, car insurance in Dunbar is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:

  • The average commute time in Dunbar is 40 minutes, which is far more than average for a driver in the state.
  • Nebraska state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Dunbar are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Dunbar is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Dunbar is $48 per month for minimum coverage and $118 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 Cities

  • Lorton: Insurance costs 2.33% less
  • Otoe: Insurance costs 1.27% less
  • Syracuse: Insurance costs 1.70% less
  • Wyoming: Insurance costs 0.28% more
  • Talmage: Insurance costs 2.62% less
  • Paul: Insurance costs 2.26% less
  • Nebraska City: Insurance costs 1.63% less
  • Avoca: Insurance costs 0.64% less
  • Cook: Insurance costs 0.92% less
  • Unadilla: Insurance costs 1.41% less

Cities with Similar Populations

  • Mallard: Insurance costs 14.00% less
  • Redwood: Insurance costs 19.87% more
  • Redman: Insurance costs 100.28% more
  • Reba: Insurance costs 17.54% less
  • Mitchelltown: Insurance costs 8.35% more
  • Meeker: Insurance costs 23.06% less
  • Mecca: Insurance costs 13.15% more
  • Mcdaniel: Insurance costs 20.44% more
  • Mc Clure: Insurance costs 8.35% less
  • Martin: Insurance costs 17.68% more
* Who is the average Dunbar driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Dunbar 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.