Best Car Insurance in Plattsmouth 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 Plattsmouth.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 4, 2021Hyundai Elantra SE6804825ClearCover$130/mo.$96/mo.
July 22, 2021Chevrolet Malibu LS6804823ClearCover$220/mo.$158/mo.
Here’s more information about what impacts the insurance rates in your Plattsmouth.

How much does car insurance cost in Plattsmouth?

Car insurance in Plattsmouth, Nebraska costs single-car drivers an average of $1,800 annually, or about $150 per month. Compared to the state annual average of $3,107, auto insurance in Plattsmouth is $1,307 lower lower.
Plattsmouth—a small community just south of Omaha and on the banks of the Missouri River—is a bit of a dichotomy for a city of its size. Its population is comprised of people in a variety of industries and spanning social classes. But for all their differences, Plattsmouth drivers can enjoy comparably low car insurance rates.
Even though Plattsmouth has lower rates when compared to Nebraska’s overall average, you can find even lower rates with Jerry. Jerry provides you quotes from more than 50 top carriers in about 45 seconds. Once you’ve made your choice, Jerry takes care of the rest—including helping you cancel your old policy
Here’s everything you need to know about car insurance in Plattsmouth.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Plattsmouth$2,080$1,717----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
PlattsmouthNational Average
All Coverage Before Jerry
$2,080$3,223
All Coverage After Jerry
$1,717$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Plattsmouth

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.
Plattsmouth’s insurance rates are among the lowest you’ll find in Nebraska, so saving money doesn’t take much work. That also means Plattsmouth drivers don’t have to compromise coverage or customer service ratings for decent rates.
When you start shopping, you have your choice of familiar major companies like Progressive, Farmers, and State Farm. You also should consider smaller companies that work locally in Nebraska, such as Farmers Mutual of Nebraska, North Star Mutual, and IMT that can offer major savings and great customer service.
Remember, there are personal factors that influence your insurance rates, including your age, occupation, and driving history. Be sure to do some comparison shopping with Jerry!
Here’s what drivers pay with some of the most popular insurance providers in Plattsmouth before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$1,728$66Compare Prices
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What kind of car insurance you need in Plattsmouth

In Plattsmouth, 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.
Nebraska drivers need both bodily injury liability and property damage liability insurance before they hit the road. Liability coverage protects other drivers in the event the policyholder is at fault in an accident
The liability limits in Nebraska can be broken down as 25/50/25, explained as follows:
In addition, Nebraska requires uninsured motorist coverage with the following minimums:
  • $25,000 per person
  • $50,000 per accident
Be sure to carry proof of insurance coverage whenever you drive as there can be penalties if you’re pulled over without it.
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:
Keep in mind, it’s a good idea to carry more than liability insurance to protect you and your vehicle. If you live and drive in Plattsmouth, here are some coverage options that may serve you well on the road:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means a greater likelihood of collisions and damage to your vehicle. Collision insurance covers the cost of any needed repairs.
High population densityAccident forgivenessMore drivers can lead to more accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault crash.
Uninsured driversUninsured/underinsured motorist coverageJust over 9% of Nebraska’s drivers are without the state’s mandated liability insurance. So uninsured/underinsured motorist coverage takes on the responsibility of liability insurance the other driver may be lacking.
Extreme weatherComprehensive insuranceNebraska can experience more severe weather, including tornadoes, hail, and thunderstorms. Comprehensive insurance will cover damage caused by natural disasters.
Rural roadsRoadside assistanceNebraska is known for its picturesque farmland and rural beauty, but that means finding assistance during a breakdown is much harder. Roadside assistance will help you with jumpstarts, fuel delivery, and more.

What determines your car insurance cost in Plattsmouth

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 Plattsmouth, you could be paying as much as $70 more per month than an adult driver. These are average rates for Jerry customers in Plattsmouth broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$2,640$576
25-34$1,800$256
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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 Plattsmouth with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,800$256
Speeding under 15$2,640$576
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Where in Plattsmouth you live

It may seem like insurance rates in Plattsmouth 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 Plattsmouth, residents of -- will have the most expensive car insurance rates, while people who live in 68048 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Plattsmouth:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 4, 202168048Hyundai Elantra SENE25ClearCover$130/mo.$96/mo.
July 22, 202168048Chevrolet Malibu LSNE23ClearCover$220/mo.$158/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Plattsmouth so expensive?

A variety of considerations determine baseline car insurance rates in Plattsmouth. Insurance companies often consider the following:
Several factors contribute to Plattsmouth’s lower insurance rates, including but not limited to the following:

Traffic

Plattsmouth’s low population and its distance from Omaha means that traffic isn’t a particular problem for its drivers or its roads. That means there isn’t as much of a risk of traffic accidents, which means collision rates are comparably low.

Crime rate

Plattsmouth’s crime rate is also fairly low, although it’s fairly standard for towns of its size. Since the town’s property crime rate is far below the state’s and the national average, carriers and policyholders can be less concerned about automotive theft or vandalism. This in turn keeps comprehensive rates down.

Severe weather

One of the primary reasons Plattsmouth’s rates aren’t as low as they could be is because it’s located in North America’s Tornado Alley. As a result, Plattsmouth is vulnerable to tornadoes and other major weather events.
These events can cause major damage to cars caught in their paths, which means comprehensive rates are more expensive to compensate for that higher risk.

How can you save money on car insurance in Plattsmouth?

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

Almost all insurance companies offer discounts on their rates. Regardless of your background, there’s bound to be a discount that fits your lifestyle or rewards you for responsible driving.
Here are some common discounts available with insurance carriers in Plattsmouth:
DiscountDescription
Multi-policyEven if you aren’t a homeowner, you can often bundle insurance products like renter’s insurance, pet insurance, or boat insurance if they are offered by your provider.
Safety equipmentIf you’ve added additional safety and anti-theft devices to your car, like better airbags or car alarms, insurance companies may lower your rates.
Safe driverStaying accident-free for at least three years can earn you a discount on your auto insurance.
Good studentIf you attend college or university in Plattsmouth, are under 25, and maintain a B average at least, you may be eligible to save on your coverage.
Driver education discountOlder drivers who take an approved defensive driving course to refresh their skills can qualify for a discount.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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