Best Car Insurance in Grand Island 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Grand Island.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 1, 2021Chevrolet Equinox LS6880121ClearCover$280/mo.$68/mo.
July 11, 2021Ford Focus ZX46880130ClearCover$243/mo.$79/mo.
March 21, 2021Ford Expedition XLT6880322Progressive$133/mo.$104/mo.
July 31, 2021Nissan Quest S6880335Dairyland$292/mo.$193/mo.
October 15, 2021BMW X3 Xdrive28I6880128ClearCover$308/mo.$215/mo.
Here’s more information about what impacts the insurance rates in your Grand Island.

How much does car insurance cost in Grand Island?

Car insurance in Grand Island, Nebraska costs single-car drivers an average of $3,519 annually, or about $293 per month. Compared to the state annual average of $3,107, auto insurance in Grand Island is $412 higher higher.
The old railroad town of Grand Island sits along the Platte River and welcomes visitors to a slower way of life. Museums, historical areas, and parks pay tribute to the city’s long history.
Life in Nebraska often entails lots of driving, which makes it important that Grand Island drivers find affordable car insurance that doesn’t sacrifice the necessary coverage.
Jerry makes it easy to find the best auto insurance rates on the market. After a quick 45-second sign-up, you’ll be able to compare competitive quotes from dozens of top insurance providers for free.
Here, Jerry has compiled everything you need to know about finding the right car insurance in Grand Island, Nebraska.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Grand Island$3,101$2,316----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Grand IslandNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Grand Island

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With so many providers to choose from, you may be wondering how to evaluate which insurer is right for you.
Finding the lowest rates can be exciting, but it’s also important to make sure your provider has good customer satisfaction ratings and financial stability.
That said, some of the top providers in the Grand Island area include:
State Farm for their variety of coverage options, bundling policies, and other discounts
Progressive for their competitive prices for standard coverage and 24/7 customer service and roadside assistance
Shelter for their up to 15 coverage types, 13 discounts, and local customer satisfaction ratings
American Family for their personalized service and efficiency as a midsize company
USAA for their low rates. However, USAA auto insurance is only available to military members and their families
Finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Grand Island before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$4,224$342Compare Prices
Progressive$1,596$172Compare Prices
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What kind of car insurance you need in Grand Island

In Grand Island, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like most states, Nebraska requires all drivers to carry minimum car insurance limits before they can hit the road. The state minimum includes liability and uninsured/underinsured motorist insurance:
You may face fines or license suspension for driving without this insurance.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Grand Island drivers are strongly encouraged to purchase coverage beyond the state mandated minimums. Without additional coverage, you may be left with large out of pocket expenses in case of an at-fault accident.
To protect you and your vehicle in case of any collision or emergency, consider choosing additional coverage from the following list of options:
FactorRecommended coverageDescription
Damages to your vehicleCollision insuranceCollision insurance pays for damages to your vehicle resulting from a collision, regardless of who’s at fault.
Personal injuriesPersonal injury protection (PIP)PIP coverage pays for your medical bills and lost income if you are injured in an accident, regardless of who’s at fault. Also called “no fault insurance.”
Severe weather eventsComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as hail damage, theft, and vandalism.
Young drivers on policyAccident forgivenessInvesting in an accident forgiveness policy will prevent your rates from climbing after your first at-fault accident.
Long drivesRoadside assistanceIf you ever encounter a roadside emergency while on a country highway, this coverage will pay for towing, winching, fuel delivery, and more.

What determines your car insurance cost in Grand Island

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Grand Island, you could be paying as much as $27 more per month than an adult driver. These are average rates for Jerry customers in Grand Island broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Grand Island with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,193$802
Speeding under 15$3,473$1,077
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Where in Grand Island you live

It may seem like insurance rates in Grand Island should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Grand Island, residents of 68803 will have the most expensive car insurance rates, while people who live in 68801 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Grand Island:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
June 23, 202168801Honda Civic LXNE37Progressive$107/mo.$39/mo.
September 1, 202168801Chevrolet Equinox LSNE21ClearCover$280/mo.$68/mo.
March 21, 202168803Ford Expedition XLTNE22Progressive$133/mo.$104/mo.
July 31, 202168803Nissan Quest SNE35Dairyland$292/mo.$193/mo.
October 15, 202168801BMW X3 Xdrive28INE28ClearCover$308/mo.$215/mo.
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Why is car insurance in Grand Island so expensive?

A variety of considerations determine baseline car insurance rates in Grand Island. Insurance companies often consider the following:
Compared to other cities in Nebraska, Grand Island pays comparatively low insurance rates. Still, your driving history or other local factors may make your insurance more expensive than you anticipated.

Severe weather

Grand Island is often ranked as a top city for tornado risk in Nebraska. Areas that face a statistically higher risk of property damage from severe weather will often face higher insurance premiums.

Driving behavior

Your driving behavior also plays a huge role in the price of your insurance. If you have a history of traffic violations, at-fault accidents, or driving under the influence (DUI), your premiums can rise significantly—sometimes 80% or more for major offenses like DUIs.

How can you save money on car insurance in Grand Island?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you’re looking for effort-free ways to save money on your car insurance, you’re in luck—almost every provider offers a variety of car insurance discounts.
Not all discounts are heavily advertised, so be sure to talk to an agent to make sure you know what you might qualify for. Some common discounts available with providers in Grand Island include:
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Multi-vehiclePutting more than one car on a family policy can get you up to 25% off the cost of insuring each vehicle.
Good studentStudents 25 and under who maintain a B average (3.0 or above) are eligible for a discount on their insurance policy.
Safe driverAvoiding infractions or accidents or installing security features in your vehicle may qualify you for extra savings.
Paperless billingIf you opt for e-billing rather than receiving bills in the mail, you can qualify for savings.
“I was a new driver looking for insurance and scared about expensive payments. But then I found Jerry! They saved me almost $150/month.” —Garret I.
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