Cheapest car insurance companies in Alliance
After an in-depth analysis, Insurance.com found that Nationwide and Auto-Owners are the cheapest car insurance companies in Alliance for 2023.
The car insurance company in Alliance that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,228 .
When it comes to car insurance costs in Alliance, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Nationwide | $1,228 |
| Auto-Owners | $1,303 |
| USAA | $1,373 |
| Shelter Insurance | $1,732 |
| Progressive | $2,158 |
| State Farm | $2,178 |
| Farmers Mut Ins Co of NE | $2,228 |
| Iowa Farm Bureau | $2,516 |
| Allstate | $2,852 |
| Geico | $3,456 |
Cheapest car insurance cost in Alliance by Age Group
Auto-Owners is the cheapest option for car insurance in Alliance for teen drivers, with average annual premiums at just $3,504 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
Nationwide is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Alliance at about $1,954 per year.
As Alliance drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Nationwide stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,196.
Nationwide tops the list in terms of affordability for senior drivers in Alliance. With an average annual premium of $1,034, Nationwide offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $3,504 | $2,186 | $1,316 | $1,263 |
| Nationwide | $3,810 | $1,954 | $1,196 | $1,034 |
| USAA | $3,939 | $2,183 | $1,387 | $1,253 |
| Farmers Mut Ins Co of NE | $4,640 | $3,333 | $2,206 | $1,834 |
| State Farm | $5,391 | $3,344 | $2,164 | $1,938 |
| Shelter Insurance | $5,415 | $3,263 | $1,774 | $1,610 |
| Iowa Farm Bureau | $6,116 | $3,419 | $2,425 | $1,993 |
| Allstate | $7,595 | $4,081 | $2,887 | $2,470 |
| Progressive | $8,431 | $3,259 | $2,156 | $1,727 |
| Geico | $10,003 | $4,910 | $3,372 | $3,488 |
Cheapest car insurance companies in Alliance by driver profile
Your driving profile plays an important role in determining your car insurance rates in Alliance. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
When it comes to finding the cheapest car insurance rates in Alliance, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Here are some of the cheapest car insurance companies in Alliance based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Alliance drivers is $1,215.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Alliance.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,215 |
| USAA | $2,179 |
| Farmers | $2,571 |
| Allstate | $2,920 |
| Geico | $3,276 |
| Progressive | $4,893 |
| State Farm | $7,244 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Alliance. Its full coverage car insurance policy costs an average of $1,124 per year for drivers aged 30.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,124 |
| USAA | $1,586 |
| State Farm | $1,743 |
| Allstate | $2,024 |
| Farmers | $2,269 |
| Geico | $2,407 |
| Progressive | $2,996 |
Cheapest auto insurance after an at-fault accident: Nationwide
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Alliance with at-fault accidents on their driving records can find the cheapest car insurance rates with Nationwide. Its full coverage policy costs an average of $1,596 annually.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,596 |
| State Farm | $1,827 |
| USAA | $2,071 |
| Allstate | $2,548 |
| Farmers | $2,599 |
| Progressive | $3,653 |
| Geico | $5,030 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Alliance. On average, its annual full coverage rate is $1,743, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,743 |
| Nationwide | $2,078 |
| Allstate | $2,549 |
| Farmers | $2,671 |
| USAA | $2,706 |
| Progressive | $2,942 |
| Geico | $11,345 |
Average car insurance cost in Alliance
Full coverage car insurance in Alliance for a coverage limit of 100/300/100 is $2,102 per year or $175 per month, while the state minimum coverage costs an average of $303 a year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,102 | $303 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
