Cheapest car insurance companies in Bonesteel
After an in-depth analysis, Insurance.com found that Nationwide and Farmers Mut Ins Co of NE are the cheapest car insurance companies in Bonesteel for 2023.
Nationwide offers the cheapest car insurance premium for Bonesteel drivers at an annual rate of $1,551 a year, on average.
Car insurance costs may vary in Bonesteel based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Bonesteel.
| Companies | Average annual rates |
|---|---|
| Nationwide | $1,551 |
| Farmers Mut Ins Co of NE | $1,842 |
| USAA | $1,874 |
| Allstate | $2,177 |
| State Farm | $2,268 |
| Farmers | $2,592 |
| Geico | $2,646 |
| North Star Mutual | $2,692 |
| Auto-Owners | $2,862 |
| Iowa Farm Bureau | $3,041 |
| Progressive | $3,807 |
Cheapest car insurance cost in Bonesteel by Age Group
In Bonesteel, Nationwide is the cheapest car insurance company for teenagers, offering full coverage policies at $4,385 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
When compared to other car insurance companies, Nationwide turned out to be the cheapest car insurance company for young drivers in Bonesteel, offering full coverage at an annual average cost of $2,368.
As Bonesteel 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 $1,498.
With an average annual premium of $1,239, Nationwide offers Bonesteel's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Nationwide | $4,385 | $2,368 | $1,498 | $1,239 |
| USAA | $4,484 | $2,603 | $1,875 | $1,694 |
| Farmers Mut Ins Co of NE | $4,625 | $2,810 | $1,829 | $1,546 |
| State Farm | $5,125 | $3,313 | $2,237 | $1,929 |
| North Star Mutual | $5,821 | $4,080 | $2,559 | $2,365 |
| Auto-Owners | $6,224 | $4,312 | $2,819 | $2,319 |
| Iowa Farm Bureau | $6,421 | $3,884 | $2,898 | $2,284 |
| Geico | $6,846 | $4,195 | $2,577 | $2,480 |
| Allstate | $10,007 | $3,400 | $2,137 | $2,006 |
| Farmers | $10,064 | $3,407 | $2,500 | $2,134 |
| Progressive | $10,369 | $5,203 | $3,802 | $3,076 |
Cheapest car insurance companies in Bonesteel by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Bonesteel. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Bonesteel that suits your budget.
Here are some of the cheapest car insurance companies in Bonesteel based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Drivers in Bonesteel with poor credit can get the cheapest car insurance from Nationwide at an average cost of $1,477 a year, according to a data study by Insurance.com.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Bonesteel.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,477 |
| Geico | $2,113 |
| Allstate | $2,892 |
| Farmers | $3,013 |
| USAA | $3,060 |
| Progressive | $3,861 |
| State Farm | $8,379 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Bonesteel. It provides full coverage car insurance for drivers aged 30 at about $1,598 per year.
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 | $1,598 |
| State Farm | $1,721 |
| USAA | $1,863 |
| Geico | $1,934 |
| Allstate | $2,269 |
| Farmers | $2,697 |
| Progressive | $2,824 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Bonesteel drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,786. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,786 |
| Nationwide | $1,808 |
| USAA | $2,243 |
| Allstate | $2,944 |
| Farmers | $3,006 |
| Geico | $3,129 |
| Progressive | $3,265 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Bonesteel drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,721, on average.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,721 |
| Nationwide | $2,667 |
| Progressive | $2,782 |
| Farmers | $3,050 |
| USAA | $3,336 |
| Allstate | $3,681 |
| Geico | $9,319 |
Average car insurance cost in Bonesteel
In Bonesteel, the average annual cost for full coverage car insurance is around $2,486, which breaks down to approximately $207 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Bonesteel is about $288.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,486 | $288 |
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.
