Cheapest Auto Insurance in Grand Island, Nebraska (2025)

Grand Island has some of the most affordable car insurance rates in Nebraska. Grand Island drivers pay an overall average of $104 per month for auto coverage. This is similar to the state average of $111 per month, but your actual premium will depend on your type of coverage, driving history, age, and other factors.

If you live in Grand Island and need car insurance, compare insurance companies below and learn how to find affordable coverage in the city.

3 of the cheapest car insurance companies in Grand Island

Finding cheap car insurance in Grand Island will depend on your coverage needs and unique financial situation. Whether you have a clean record, a ticket, or an accident, you want to find an insurance company that provides competitive rates. See three of the best options for car insurance in Grand Island below, based on affordability and quality of coverage. Rates shown in the table are for the state of Nebraska.

Best insurer for cheap rates: Auto-Owners

Best insurer for liability coverage: Clearcover

Best insurer for senior drivers: Midvale Home & Auto

How to get the cheapest car insurance in Grand Island

To get the best car insurance rates in Grand Island, take the following steps:

• Compare insurance companies. Look at many different car insurance companies in your area. Review rates, coverage types, benefits, discounts, and more. Aim to obtain rates from a minimum of three insurers so you have multiple reference points.

• Look for eligible discounts. Many insurance companies offer discounts to good drivers and people who decide to bundle their auto policy with another insurance policy. See what discounts you may qualify for, and make note of discount percentages.

• Maintain safe driving habits. Low car insurance rates start with good driving. Keep up safe driving habits, such as wearing a seat belt, putting your phone away, and not driving while distracted or under the influence of any substances.

Cheapest liability-only car insurance in Grand Island: Auto-Owners

Liability-only car insurance is often the most affordable coverage option, but it typically only includes the minimum coverage requirements in your state. This type of coverage pays for any property damage or bodily injury you cause in an accident.

It’s important to note that liability insurance doesn’t cover your own vehicle damages or personal injuries.

Liability insurance in Grand Island costs an average of $68 per month. The table below shows the cheapest companies for liability coverage in the city.

Cheapest full-coverage car insurance in Grand Island: Auto-Owners

If you want to protect your vehicle, opting for full-coverage insurance is your best option. Full coverage generally covers all your bases with liability, comprehensive, and collision coverage. Drivers in Grand Island who want the most protection should consider full coverage over liability-only insurance.

Grand Island drivers pay a monthly average of $141 for full-coverage car insurance. Start your search for full coverage with the companies in the table below.

Car insurance requirements in Nebraska

Every state sets its own minimum car insurance requirements. In Nebraska, the minimum liability coverage that drivers must possess includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.1

Nebraska is an at-fault — or tort — state, which means drivers in Nebraska who cause an accident are responsible for covering damage and injury.

“Car insurance in Nebraska is based on various rating factors, so it is important to review coverage. The Department of Insurance requires the car owner purchases and maintains minimum liability and uninsured motorists coverage,” says Nick Schrader, insurance agent and owner of Second Western Insurance in Texas.

“The consumer can also purchase optional coverage for physical damage such as collision and comprehensive losses,” says Schrader. “The rate is based on driving experience, mileage usage, garaging ZIP code, and professional discounts.”

Beyond required insurance, you may want to purchase the following optional coverages for additional protection:

Cheapest car insurance for drivers with an incident

Drivers in Grand Island with an incident on their record can expect to pay more for car insurance coverage for several years. Incidents can include speeding tickets, at-fault accidents, and driving under the influence (DUI), as well as other moving violations. These incidents go on your driving record.

Insurance companies typically consider incidents as indicators of risk and increase rates to make up for the additional risk.2

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Getting a speeding ticket can increase your insurance premiums for three to five years. The average Grand Island driver with a speeding ticket pays $81 per month for liability coverage.

But you can still find affordable options for car insurance in Grand Island after receiving a ticket.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

At-fault accidents go on your driving record and affect your car insurance premiums. Without an accident, Grand Island drivers pay an average of $68 per month for liability coverage, but that increases to $89 per month after an at-fault accident.

Here are some of the cheapest car insurance companies to consider if you have an at-fault accident on your record.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A serious infraction with the most detrimental effects on car insurance rates, a DUI may double your car insurance costs compared to drivers with a clean record. For example, Grand Island drivers with DUIs pay an average of $85 per month for liability coverage and $176 per month for full coverage.

A DUI may also prompt your insurer to decline to renew your policy, or even cancel it mid-term. And some insurers won't cover you when you apply for a new policy with a DUI on your record.

Here are cheap auto insurers for drivers with a DUI to start your search for affordable coverage in Grand Island.

Cheapest car insurance for seniors: Auto-Owners

Rates for drivers tend to decrease around age 25 but increase slightly around age 70. Senior drivers may face cost increases due to a greater risk of getting into an accident.3

Grand Island senior drivers pay an average of $55 per month for liability coverage. The table below shows the cheapest companies for senior drivers in Grand Island.

Cheapest car insurance for teens: Auto-Owners

Teen drivers have the highest accident rates of any age group, due to their lack of experience behind the wheel and likelihood of engaging in risky behaviors like distracted driving. 4 More risk means higher rates.

Rates for teen drivers are much higher than premiums for older drivers, at an average of $135 per month for liability coverage. To get cheap car insurance as a teenager, you should stay on your parents’ insurance plan and try to qualify for a good student or good driver discount. Teens younger than 18 can't legally buy their own insurance policy without the written consent of a parent or guardian.

Grand Island car insurance quotes by credit tier

Nebraska is one of many states that allows insurers to use your credit history as part of the underwriting criteria to assess risk.

Having excellent or good credit will get you the most affordable car insurance rates in Grand Island, while drivers with poor credit pay higher rates because some insurers view low credit as an indicator of risk.5

Is car insurance more expensive in Grand Island?

Car insurance in Grand Island is more affordable than the national average. In Grand Island, the average monthly cost of full-coverage auto insurance is $141 per month. The national average in the U.S. is $184 per month for full-coverage car insurance.

Compared to the average cost of car insurance in Nebraska, Grand Island also has more affordable coverage. The overall average monthly cost of car insurance in Nebraska is $111, compared to $104 per month in Grand Island.

Location can affect rates because it affects your overall risk based on factors like accident rates, severity of accidents, cost of repairs, vehicle thefts and vandalism, and weather hazards. In Nebraska, cities such as Bellevue, Lincoln, and Omaha all have more expensive car insurance rates than Grand Island.

More cities in Nebraska

Grand Island drivers pay some of the cheapest average rates in the Cornhusker state when compared to other cities.