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Get Cheap Car Insurance in Garfield County, NE

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

 

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The Cheapest Minimum Coverage in Garfield County

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

 
Garfield County Insurer Monthly Cost
Farm Bureau $35
American Family Insurance $41
State Farm $41
Progressive $49

Savings for Every Kind of Garfield County Driver

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

Based on our extensive insurance data, we know the average Garfield 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 $561 per year by choosing the right vehicle insurance company. Some Garfield County residents are paying out over $1,428 extra every year for auto insurance in Garfield County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Garfield County, NE Savings / Yr.
Drivers with good records
$561
Drivers with accidents
$422
Drivers with speeding tickets
$396
Drivers with a DUI conviction
$307
Young drivers
$1,355
Married drivers
$162
Drivers with bad credit
$749

Garfield County Car Insurance vs. Nebraska

People living in Garfield County pay an average of 0.13% more than the typical driver in the state. The average driver in Garfield County can expect to pay about $586 per year, or $1,428 for full coverage.

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

Car Insurance Prices by Garfield County Neighborhood

Garfield County, 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 Garfield County?

The map shows insurance prices in and around Garfield County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the county boundaries, with insurance premiums ranging from a high of $1,434 to a low of $1,418. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Garfield County.

Pick the Best Car Insurance Company for You in Garfield 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 Garfield County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Garfield County

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $561 over the average Garfield County car insurance company.

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

In Garfield County getting into an accident will raise premiums an average 26% for a yearly cost of $1,941. That's $514 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 $422 over the competition.

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

>Geico gave the average person with a speeding ticket the most savings, averaging $396 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 Garfield County, tickets raise premiums on new quotes about $278. 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 $1,706 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,063 per year in auto insurance premiums, which was $635 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 $307 less each year.

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

In Garfield County, Farmers Mutual of Nebraska costs young drivers $1,355 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 Garfield County. With an average cost of $4,154 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 Garfield County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $111. Progressive, Nationwide, and Farm Bureau provided the largest discounts to couples living in Garfield County.

Nationwide gave the largest car insurance discounts to married couples, averaging $162 saved each year compared to an average Garfield County couple's premiums.

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

People with poor credit saved an average of $749 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,130 every year. Premiums for people with poor credit were about $2,558 in Garfield 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 Garfield County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Garfield 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 Garfield County.

Nationwide was the best company for customer service in Garfield 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 Garfield 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 Garfield 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 Garfield County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Garfield 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 Garfield 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 Garfield 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 Garfield County

What Influences the Cost of Car Insurance in Garfield County?

On average, car insurance in Garfield 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 Garfield County is 17 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Garfield 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 D+ according to CrimeGrade.org.
  • Garfield County is a lightly populated area in the state. The county’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 Garfield County is $49 per month for minimum coverage and $119 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 Garfield County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Garfield 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.