Best Cheap Auto Insurance in Cozad, NE (2021)
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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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: May 4, 2022
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- 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.
Table of Contents
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.