Average car insurance cost in Kearney, Nebraska

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.

According to our data, the average annual cost of car insurance in Kearney is $2,270 – $117 less than the Nebraska average cost and $243 less than when compared to the national average.

Insurance rates can vary significantly depending on where you live. Factors such as population density and accident and theft rates influence premium costs, making some areas more expensive or affordable than others.

Understanding how rates in Kearney compare to state and national averages can help you spot a good deal, or know when it’s time to shop around. Below, we’ll break down local trends, show how rates vary, and explain how to save.

Cheap car insurance companies in Kearney

Auto-Owners offers the most affordable full coverage car insurance in Kearney, at $1,490 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

Farmers Mutual of Nebraska offers the second-lowest rate in Kearney, with an average yearly premium of $1,581.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Kearney.

Read about the best car insurance companies.

Average car insurance cost in Kearney by coverage limits

Here’s a breakdown of average car insurance rates in Kearney by coverage type.

• State minimum coverage: $379 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $430 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,270 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $269 per year

While liability insurance is required in nearly every state to drive legally, the minimum coverage limits differ by state. This coverage protects you financially if you’re responsible for injuring someone or damaging their property in a crash.

Minimum liability insurance only covers damage or injuries you cause to others – it won’t help with your own medical bills or car repairs. You should consider adding collision and comprehensive coverage for adequate protection.

Average car insurance rates by gender in Kearney

In Kearney, the average annual car insurance cost for female drivers is $2,090. Male drivers, on the other hand, pay $2,428 per year – that’s $338 more than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Average car insurance rates by age in Kearney

Teen drivers in Kearney face the highest car insurance rates, at $7,106 per year or $592 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $3,449 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $3,657 annually for coverage – that’s $3,449 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in Kearney pay an average of $2,333 and $2,203 per year for car insurance, respectively.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Kearney

From 2023 to 2025, drivers in Kearney experienced an upward trend in car insurance premiums, with average rates Increased by 26% or about $471.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Kearney are lower than the Nebraska state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors 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 rates may vary.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.