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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.

Graph
Table
City average ratesState average ratesNational average cost
$1,772$1,902$1,895

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.

Key Takeaways

  • The average car insurance cost in Bellevue, Nebraska is $1,772 per year.
  • Auto-Owners offers the cheapest car insurance in Bellevue, at an average of $1,231 per year.
  • Young adults pay $2,910 per year for car insurance in Bellevue.

Cheap car insurance companies in Bellevue

At an average of $1,231 per year with full coverage limits of 100/300/100, Auto-Owners provides the most affordable car insurance in Bellevue.

Ranked as the second most affordable company in Bellevue, Nationwide provides car insurance at $1,233 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Bellevue that align with your needs before selecting a policy.

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

Affordable car insurance providers in Bellevue

Graph
Table
Company NameAverage annual costAverage monthly cost
Auto Owners$1,231$103
Nationwide$1,233$103
Shelter Insurance$1,581$132
Geico$1,654$138
Progressive$1,902$159
Farmers Mutual of Nebraska$1,967$164
State Farm$2,128$177
Iowa Farm Bureau$2,267$189
Allstate$2,587$216
USAA$1,167$97

Read about the best car insurance companies.

Average car insurance cost in Bellevue by coverage limits

In Bellevue, the average car insurance rates 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 most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

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 the highest for teens, at $5,777 per year or $481 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,910 per year for their car insurance which is $2,867 less than what the teens pay for their insurance policy.

The car insurance rates in Bellevue for adult and senior drivers are $1,779 and $1,690 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

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

Car insurance rates by age groups in Bellevue

Graph
Table
Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$5,777$2,910$1,779$1,690

Examining the trends in car insurance rates in Bellevue, Nebraska it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 1%, or $15.

The table below shows the trend for last four years:

How car insurance rates are changing in Bellevue

Graph
Table
2016 rates2019 rates2022 rates2023 rates
$1,085$1,394$1,757$1,772

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

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.

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Prachi Singh
Contributing Researcher

 
  

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.

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