Best Cozad, Nebraska Auto Insurance in 2024
The average Cozad, NE auto insurance rates are $281 per month. The minimum auto insurance in Cozad is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Cozad, Nebraska, compare quotes from multiple companies.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Sep 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Cozad for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Cozad is American Family
- The average commute length in Cozad is 19.3 minutes
Cozad, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Cozad can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Cozad, Nebraska, including driving record, credit, commute time, and more.
Compare auto insurance in Cozad to other Nebraska cities, including Norfolk auto insurance rates, Columbus auto insurance rates, and Bellevue auto insurance rates to see how Cozad, Nebraska auto insurance rates stack up.
Before you buy Cozad, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cozad, Nebraska auto insurance quotes.
Minimum Auto Insurance in Cozad, Nebraska
Cozad, Nebraska auto insurance laws require that you have at least the Nebraska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cozad, 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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Cheap Cozad, Nebraska Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Cozad, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,390 | $2,275 | $2,127 | $2,146 | $6,742 | $7,125 | $2,687 | $2,739 |
| American Family | $1,745 | $1,745 | $1,586 | $1,586 | $2,885 | $4,210 | $1,707 | $1,842 |
| Farmers | $2,197 | $2,189 | $1,973 | $2,074 | $8,206 | $8,460 | $2,480 | $2,598 |
| Geico | $2,901 | $2,845 | $2,841 | $2,734 | $6,043 | $7,918 | $2,620 | $2,535 |
| Liberty Mutual | $3,398 | $3,693 | $2,681 | $3,264 | $14,081 | $15,826 | $3,585 | $3,979 |
| Nationwide | $1,765 | $1,828 | $1,578 | $1,695 | $3,926 | $4,919 | $2,015 | $2,185 |
| Progressive | $1,939 | $1,878 | $1,590 | $1,651 | $7,313 | $8,254 | $2,320 | $2,480 |
| State Farm | $1,536 | $1,536 | $1,336 | $1,336 | $4,030 | $5,159 | $1,692 | $1,918 |
| USAA | $1,492 | $1,493 | $1,349 | $1,399 | $4,593 | $5,524 | $1,943 | $2,178 |
Cheap Cozad, Nebraska Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Cozad, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Cozad, Nebraska.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,742 | $7,125 |
| American Family | $2,885 | $4,210 |
| Farmers | $8,206 | $8,460 |
| Geico | $6,043 | $7,918 |
| Liberty Mutual | $14,081 | $15,826 |
| Nationwide | $3,926 | $4,919 |
| Progressive | $7,313 | $8,254 |
| State Farm | $4,030 | $5,159 |
| USAA | $4,593 | $5,524 |
Cheap Cozad, Nebraska Auto Insurance for Seniors
What are senior auto insurance rates in Cozad, Nebraska? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,127 | $2,146 |
| American Family | $1,586 | $1,586 |
| Farmers | $1,973 | $2,074 |
| Geico | $2,841 | $2,734 |
| Liberty Mutual | $2,681 | $3,264 |
| Nationwide | $1,578 | $1,695 |
| Progressive | $1,590 | $1,651 |
| State Farm | $1,336 | $1,336 |
| USAA | $1,349 | $1,399 |
Cheap Cozad, Nebraska Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Cozad, Nebraska compared to the annual auto insurance rates with a clean record in Cozad, Nebraska.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,062 | $3,456 | $4,172 | $3,425 |
| American Family | $2,117 | $2,301 | $2,117 | $2,117 |
| Farmers | $3,198 | $4,087 | $3,986 | $3,818 |
| Geico | $2,446 | $3,511 | $5,286 | $3,975 |
| Liberty Mutual | $5,427 | $6,366 | $6,922 | $6,538 |
| Nationwide | $1,756 | $2,548 | $3,656 | $1,996 |
| Progressive | $2,918 | $4,264 | $3,262 | $3,268 |
| State Farm | $2,163 | $2,472 | $2,318 | $2,318 |
| USAA | $1,896 | $2,381 | $3,560 | $2,148 |
Cheap Cozad, Nebraska Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Cozad, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Cozad, Nebraska to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,172 |
| American Family | $2,117 |
| Farmers | $3,986 |
| Geico | $5,286 |
| Liberty Mutual | $6,922 |
| Nationwide | $3,656 |
| Progressive | $3,262 |
| State Farm | $2,318 |
| USAA | $3,560 |
Cheap Cozad, Nebraska Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Cozad, Nebraska annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,378 | $3,331 | $2,879 |
| American Family | $2,891 | $1,983 | $1,615 |
| Farmers | $4,329 | $3,579 | $3,409 |
| Geico | $4,349 | $3,775 | $3,290 |
| Liberty Mutual | $9,129 | $5,490 | $4,321 |
| Nationwide | $2,999 | $2,374 | $2,093 |
| Progressive | $3,943 | $3,300 | $3,041 |
| State Farm | $3,367 | $2,019 | $1,567 |
| USAA | $3,336 | $2,248 | $1,904 |
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Cheap Cozad, Nebraska Auto Insurance Rates By Commute
Commute length and annual mileage affect Cozad, Nebraska auto insurance. Find the cheapest annual Cozad, Nebraska auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,529 | $3,529 |
| American Family | $2,145 | $2,181 |
| Farmers | $3,772 | $3,772 |
| Geico | $3,746 | $3,863 |
| Liberty Mutual | $6,313 | $6,313 |
| Nationwide | $2,489 | $2,489 |
| Progressive | $3,428 | $3,428 |
| State Farm | $2,258 | $2,377 |
| USAA | $2,467 | $2,526 |
Cheap Cozad, Nebraska Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Cozad, Nebraska? Check out the comparison of annual Cozad, Nebraska auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,444 | $3,522 | $3,621 |
| American Family | $2,149 | $2,228 | $2,113 |
| Farmers | $3,622 | $3,722 | $3,973 |
| Geico | $3,714 | $3,801 | $3,899 |
| Liberty Mutual | $6,155 | $6,283 | $6,501 |
| Nationwide | $2,541 | $2,476 | $2,450 |
| Progressive | $3,267 | $3,419 | $3,598 |
| State Farm | $2,235 | $2,314 | $2,404 |
| USAA | $2,423 | $2,493 | $2,573 |
Best By Category: Cheapest Auto Insurance in Cozad, Nebraska
Compare the cheapest auto insurance companies in Cozad, Nebraska in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | State Farm |
| Clean Record | Nationwide |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | Nationwide |
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The Cheapest Cozad, Nebraska Auto Insurance Companies
What auto insurance companies in Cozad, Nebraska are the cheapest? Compare the top Cozad, Nebraska auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,529 |
| American Family | $2,163 |
| Farmers | $3,772 |
| Geico | $3,805 |
| Liberty Mutual | $6,313 |
| Nationwide | $2,489 |
| Progressive | $3,428 |
| State Farm | $2,318 |
| USAA | $2,496 |
What affects auto insurance rates in Cozad, Nebraska?
There are a lot of reasons why auto insurance rates in Cozad, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cozad, Nebraska. Many local factors may affect your Cozad auto insurance rates.
Cozad Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cozad, Nebraska commute length is 19.3 minutes according to City-Data.
Compare Cozad, Nebraska Auto Insurance Quotes
Before you buy Cozad, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cozad, Nebraska auto insurance quotes.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is Cozad, NE auto insurance?
Cozad, NE auto insurance refers to insurance coverage specifically designed for vehicles registered in Cozad, Nebraska. It provides financial protection against losses and damages related to auto accidents, theft, vandalism, and other covered events.
What types of coverage are available for auto insurance in Cozad, NE?
Auto insurance policies in Cozad, NE typically offer various types of coverage, including:
- Liability coverage: Provides financial protection if you cause injury or property damage to others in an accident.
- Collision coverage: Covers damage to your vehicle in the event of a collision, regardless of fault.
- Comprehensive coverage: Protects against non-collision incidents such as theft, vandalism, fire, and weather-related damage.
- Uninsured/underinsured motorist coverage: Covers your expenses if you’re involved in an accident with an uninsured or underinsured driver.
- Medical payments coverage: Pays for medical expenses for you and your passengers regardless of fault.
What are the minimum auto insurance requirements in Cozad, NE?
In Cozad, NE, drivers are required to carry the minimum liability insurance coverage mandated by the state. As of my knowledge cutoff in September 2021, the minimum requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
How can I find affordable auto insurance in Cozad, NE?
To find affordable auto insurance in Cozad, NE, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record and demonstrate responsible driving habits.
- Opt for higher deductibles if you can afford to pay more out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy, safe driver, or good student discounts.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, for potential savings.
Can I use my Cozad, NE auto insurance coverage in other states?
Yes, in most cases, your Cozad, NE auto insurance coverage will extend to other states. Auto insurance policies typically provide coverage within the United States and may have some limited coverage in Canada or Mexico. However, it’s important to review your policy or contact your insurance provider to confirm the specifics of your coverage when traveling outside of Nebraska.
How can I file an auto insurance claim in Cozad, NE?
To file an auto insurance claim in Cozad, NE, follow these general steps:
- Contact your insurance company: Notify your insurer about the accident or incident as soon as possible.
- Provide necessary information: Be prepared to provide details about the incident, including the date, time, location, and parties involved.
- Follow the insurer’s instructions: Your insurance company will guide you through the claims process and may require you to submit supporting documentation, such as police reports or repair estimates.
- Cooperate with investigations: If necessary, cooperate with any investigations conducted by your insurance company or other parties involved.
- Follow any repair or medical treatment processes: Adhere to any instructions provided by your insurance company regarding vehicle repairs or medical treatment for injuries.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.