Average car insurance cost in Bellevue, NE

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The average car insurance cost in Bellevue, Nebraska is $1,772 per year, according to Insure.com data. This is $130 less than the average auto insurance cost in Nebraska and $123 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Bellevue, the average car insurance rates by age, gender and how much is car insurance in Bellevue based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Bellevue. Read on to learn more.

Cheap car insurance companies in Bellevue

Auto-Owners offers the cheapest car insurance in Bellevue, at an average of $1,231 per year with full coverage limits of 100/300/100.

The second cheapest company in Bellevue is Nationwide, offering car insurance rates at $1,233 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Bellevue before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Bellevue, Nebraska:

Read about the best car insurance companies.

Average car insurance cost in Bellevue by coverage limits

The average car insurance rates in Bellevue based on coverage types are as follows:

• State minimum coverage: $454 per year (limits are 25/50/25)
• Liability only coverage: $511 per year (limits are 50/100/50)
• Full coverage: $1,772 per year (limits are 100/300/100)
• Non-owners coverage: $259 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Bellevue

Based on an analysis by Insure.com, female drivers in Bellevue, Nebraska pay an average annual car insurance premium of $1,765. In comparison, male drivers pay $1,778 annually, which is $13 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Bellevue

In Bellevue, car insurance rates are highest for teens, averaging $5,777 per year or $481 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,910 annually for their car insurance, which is $2,867 less than what teens pay for their coverage.

In Bellevue, adult drivers pay an average of $1,779 per year for car insurance, while senior drivers pay $1,690 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Bellevue

Examining car insurance rate trends in Bellevue, Nebraska, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 1% or $15.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Bellevue, are lower than the average insurance cost in Nebraska. Shopping around and taking advantage of available discounts, drivers in Bellevue can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.