Home Car insurance Average car insurance cost Car insurance rates by state Nebraska Grand Island, NE Average car insurance cost in Grand Island, NE The car insurance rates in Grand Island, Nebraska is $1,785 per year. Auto-Owners offers the cheapest car insurance in Grand Island at $1,146 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh 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. | Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average car insurance cost in Grand Island, Nebraska is $1,785 per year, according to Insure.com data analysis. Also, the car insurance rates in Grand Island is $117 less than the average rates in Nebraska and $110 less than the national average. Graph Table City average ratesState average ratesNational average cost$1,785$1,902$1,895 Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions. This article provides details on the most and least expensive car insurance companies in Grand Island, the average car insurance rates categorized by age and gender, and the cost of car insurance in Grand Island based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Grand Island. Read on to learn more.Key TakeawaysCar insurance costs $1,785 per year, on average, in Grand Island.Auto-Owners offers the cheapest car insurance in Grand Island, at an average of $1,146 per year.Young adults pay $2,841 per year for car insurance in Grand Island.Cheap car insurance companies in Grand IslandAuto-Owners provides the best value for car insurance in Grand Island with coverage limits of 100/300/100, costing $1,146 annually.A close second is Nationwide, which offers car insurance at $1,169 per year. Affordable car insurance providers in Grand Island Graph Table Company NameAverage annual costAverage monthly costAuto Owners$1,146$95Nationwide$1,169$97Shelter Insurance$1,617$135Farmers Mutual of Nebraska$1,792$149Progressive$1,878$157State Farm$2,064$172Iowa Farm Bureau$2,144$179Geico$2,297$191Allstate$2,405$200USAA$1,341$112 Read about the best car insurance companies.Average car insurance cost in Grand Island by coverage limitsIn Grand Island, the average car insurance rates based on coverage types are as follows:State minimum coverage: $339 per year (limits are 25/50/25)Liability only coverage: $380 per year (limits are 50/100/50)Full coverage: $1,785 per year (limits are 100/300/100)Non-owners coverage: $190 per yearIn 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 Grand IslandIn Grand Island, Nebraska, the average annual car insurance premium for female drivers is $1,769 per year.While the average annual cost for male drivers is $1,801 per year, which is $32 more than what female drivers pay, according to a rate analysis by Insure.com.According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.Read more on how gender affects car insurance rates.Average car insurance rates by age in Grand IslandIn Grand Island, teenagers have the highest car insurance rates, at $5,480 per year or $457 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.Young adults, pay an average of $2,841 annually for car insurance, which is $2,639 less than what the teens pay for their insurance policy.Meanwhile, adult, and senior drivers in Grand Island have car insurance rates of $1,785 and $1,661 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 shows the average annual rates for drivers of different age groups: Car insurance rates by age groups in Grand Island 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)$5,480$2,841$1,785$1,661 Car insurance rate trends in Grand IslandExamining car insurance rate trends in Grand Island, Nebraska, we observe a downward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced decrease overall, with an increase of 2% or $43.The table below shows the trend for last four years: How car insurance rates are changing in Grand Island Graph Table 2016 rates2019 rates2022 rates2023 rates$1,003$1,324$1,828$1,785 ConclusionIn conclusion, the insurance rates in Grand Island, are lower than the average insurance cost in Nebraska. Shopping around and taking advantage of available discounts, drivers in Grand Island can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance 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.MethodologyInsure.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 deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesBellevueKearneyLincolnOmahaPrachi SinghContributing 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. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in Grand IslandAverage car insurance cost in Grand Island by coverage limitsAverage car insurance rates by gender in Grand IslandAverage car insurance rates by age in Grand IslandCar insurance rate trends in Grand IslandConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates