Average car insurance cost in Bonesteel

The average car insurance rate in Bonesteel for full coverage is $2,486 per year or $207 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Bonesteel is $288 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,243
Average annual premium$2,486
State minimum premium$288

Cheapest car insurance companies in Bonesteel

Nationwide offers the cheapest rates on average at $1,551 per year. Farmers Mutual of Nebraska is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Bonesteel.

CompanyAverage 6 month rateAverage annual rate
Nationwide$776$1,551
Farmers Mutual of Nebraska$921$1,842
Allstate$1,088$2,177
State Farm$1,134$2,268
Farmers$1,296$2,592
GEICO$1,323$2,646
North Star Mutual$1,346$2,692
Auto-Owners$1,431$2,862
Iowa Farm Bureau$1,520$3,041
Progressive$1,904$3,807
USAA$937$1,874

Cheapest car insurance cost in Bonesteel by age group

Car insurance rates in Bonesteel vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Bonesteel by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Nationwide
  • Cheapest for young adults: Nationwide
  • Cheapest for adults: Nationwide
  • Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Nationwide offers the cheapest car insurance for teens at $4,385 per year.

Nationwide offers the most affordable auto insurance for young adults at $2,368 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,498 per year for adult drivers in Bonesteel.

Nationwide offers the least expensive car insurance for senior drivers in Bonesteel, at $1,239 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Nationwide$4,385$2,368$1,498$1,239
Farmers Mutual of Nebraska$4,625$2,810$1,829$1,546
Allstate$10,007$3,400$2,137$2,006
State Farm$5,125$3,313$2,237$1,929
Farmers$10,064$3,407$2,500$2,134
North Star Mutual$5,821$4,080$2,559$2,365
GEICO$6,846$4,195$2,577$2,480
Auto-Owners$6,224$4,312$2,819$2,319
Iowa Farm Bureau$6,421$3,884$2,898$2,284
Progressive$10,369$5,203$3,802$3,076
USAA$4,484$2,603$1,875$1,694

Cheapest car insurance companies in Bonesteel by driver profile

Car insurance rates in Bonesteel vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Bonesteel by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Bonesteel pay about $2,193 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Bonesteel.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,097$2,193
GEICO$1,621$3,242
Allstate$1,636$3,272
Farmers$2,090$4,180
Progressive$3,212$6,424
Auto-Owners$4,429$8,857
State Farm$5,935$11,870
USAA$1,905$3,809

Cheapest auto insurance after an at-fault accident: State Farm

In Bonesteel, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,434 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Bonesteel.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,217$2,434
Nationwide$1,293$2,585
Allstate$1,539$3,078
Farmers$1,779$3,558
Auto-Owners$1,918$3,835
GEICO$2,193$4,385
Progressive$2,320$4,640
USAA$1,382$2,764

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,346 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Bonesteel.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,173$2,346
Nationwide$1,702$3,404
Farmers$1,713$3,425
Allstate$1,747$3,493
Progressive$1,975$3,950
Auto-Owners$2,356$4,712
GEICO$4,131$8,261
USAA$1,990$3,980

Cheapest for drivers with a speeding ticket: Allstate

Allstate offers the cheapest car insurance at $2,328 in Bonesteel for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Allstate$1,164$2,328
State Farm$1,173$2,346
Nationwide$1,261$2,521
GEICO$1,465$2,930
Farmers$1,677$3,353
Auto-Owners$1,928$3,855
Progressive$2,187$4,374
USAA$1,208$2,415

Car insurance discounts for Bonesteel drivers

The biggest car insurance discount available in Bonesteel is for the years licensed category at 38.32%, offered by GEICO.

Car insurance is essential for drivers in Bonesteel, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Bonesteel drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,3860.08%$2
Air BagsAuto-Owners$2,9720.19%$6
Air BagsGEICO$2,6230.65%$17
Air BagsNationwide$1,3750.36%$5
Air BagsNorth Star Mutual$2,6020.46%$12
Anti-Theft DeviceAuto-Owners$2,9724.93%$147
Anti-Theft DeviceGEICO$2,6232.86%$75
Anti-Theft DeviceNorth Star Mutual$2,6025.23%$136
Daily CommuteAuto-Owners$2,97220.61%$613
Daily CommuteGEICO$2,6236.94%$182
Daily CommuteIowa Farm bureau$2,5395.91%$150
Daily CommuteNorth Star Mutual$2,60213.07%$340
Days Advanced PurchaseAmerican Family$1,3989.01%$126
Days Advanced PurchaseFarmers$2,3019.91%$228
Days Advanced PurchaseProgressive$4,7643.86%$184
Days Per Week DrivenGEICO$2,6236.94%$182
Days Per Week DrivenNorth Star Mutual$2,60213.07%$340
EducationGEICO$2,6239.68%$254
EducationProgressive$4,7643.00%$143
Electronic Funds TransferAmerican Family$1,3986.29%$88
Electronic Funds TransferFarmers$2,3011.96%$45
HomeownerAllstate$2,3863.56%$85
HomeownerAmerican Family$1,3984.51%$63
HomeownerAuto-Owners$2,9727.00%$208
HomeownerFarmers$2,3010.74%$17
HomeownerProgressive$4,7644.20%$200
Lower Annual MileageAllstate$2,3866.76%$161
Lower Annual MileageAmerican Family$1,3982.26%$32
Lower Annual MileageProgressive$4,7646.43%$306
Lower Annual MileageState Farm$1,74510.60%$185
Loyalty - Years Renewal With CompanyFarmers Mutual Ins Co of NE$1,4567.71%$112
Loyalty - Years Renewal With CompanyIowa Farm bureau$2,5398.77%$223
Loyalty - Years Renewal With CompanyProgressive$4,7643.06%$146
Loyalty - Years Renewal With CompanyState Farm$1,74515.50%$271
Marital StatusAllstate$2,3865.49%$131
Marital StatusAmerican Family$1,3989.94%$139
Marital StatusFarmers$2,3012.74%$63
Marital StatusFarmers Mutual Ins Co of NE$1,4562.75%$40
Marital StatusGEICO$2,6236.94%$182
Marital StatusIowa Farm bureau$2,5394.14%$105
Marital StatusNationwide$1,37510.40%$143
Marital StatusProgressive$4,76416.23%$773
Multi PolicyAllstate$2,3867.39%$176
Multi PolicyAmerican Family$1,3988.67%$121
Multi PolicyAuto-Owners$2,9728.51%$253
Multi PolicyFarmers$2,30111.92%$274
Multi PolicyFarmers Mutual Ins Co of NE$1,4569.82%$143
Multi PolicyGEICO$2,6236.30%$165
Multi PolicyIowa Farm bureau$2,5396.15%$156
Multi PolicyNationwide$1,3754.82%$66
Multi PolicyNorth Star Mutual$2,60217.68%$460
Multi PolicyProgressive$4,7646.02%$287
Multi PolicyState Farm$1,74510.35%$181
Paperless/Electornic DocumentsAllstate$2,3868.84%$211
Paperless/Electornic DocumentsAmerican Family$1,3986.29%$88
Paperless/Electornic DocumentsFarmers$2,3015.95%$137
Paperless/Electornic DocumentsProgressive$4,7640.97%$46
Payment TypeAllstate$2,3865.36%$128
Payment TypeAmerican Family$1,3987.37%$103
Payment TypeAuto-Owners$2,97214.00%$416
Payment TypeFarmers$2,3014.95%$114
Payment TypeFarmers Mutual Ins Co of NE$1,4568.10%$118
Payment TypeIowa Farm bureau$2,5397.96%$202
Payment TypeNorth Star Mutual$2,6026.99%$182
Primary UseAllstate$2,3864.53%$108
Primary UseAmerican Family$1,3984.79%$67
Primary UseAuto-Owners$2,97224.41%$726
Primary UseFarmers Mutual Ins Co of NE$1,4567.14%$104
Primary UseGEICO$2,6236.94%$182
Primary UseIowa Farm bureau$2,53917.78%$452
Primary UseNorth Star Mutual$2,60220.53%$534
Primary UseProgressive$4,7641.29%$62
Primary UseState Farm$1,74510.43%$182
ProfessionGEICO$2,6239.68%$254
ProfessionProgressive$4,76416.05%$764
Safety DevicesAllstate$2,3864.53%$108
Safety DevicesAmerican Family$1,3981.29%$18
Safety DevicesAuto-Owners$2,9721.21%$36
Safety DevicesGEICO$2,6231.33%$35
Safety DevicesProgressive$4,7642.96%$141
TelematicsProgressive$4,76410.01%$477
TelematicsState Farm$1,74516.10%$281
Years InsuredAllstate$4,16435.79%$1,490
Years InsuredAmerican Family$1,60710.64%$171
Years InsuredFarmers$3,22917.68%$571
Years InsuredGEICO$3,06011.64%$356
Years InsuredIowa Farm bureau$3,92833.15%$1,302
Years InsuredProgressive$4,77710.55%$504
Years LicensedAllstate$5,50624.37%$1,342
Years LicensedAmerican Family$1,90614.19%$270
Years LicensedFarmers$4,84133.30%$1,612
Years LicensedFarmers Mutual Ins Co of NE$1,77417.93%$318
Years LicensedGEICO$6,08138.32%$2,330
Years LicensedIowa Farm bureau$4,59413.43%$617
Years LicensedNationwide$1,77717.73%$315
Years LicensedProgressive$6,43723.12%$1,488
Years LicensedState Farm$2,21918.69%$415

How to get cheap car insurance in Bonesteel in 2025

Find affordable car insurance in Bonesteel by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Bonesteel.

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.

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