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Cheapest car insurance in Hastings, Nebraska (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hastings, Nebraska.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Hastings

With plenty of
car insurance
companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to
shop around
and compare
car insurance quotes
before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Hastings drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$93
Ryan, 29
Zip: 68901
Chevrolet Traverse LS
• State Minimum Liability
• Comp / Collision
Clearcover
$159
Isaiah, 36
Zip: 68901
Ford Focus SE
• State Minimum Liability
• Comp / Collision
Dairyland
$79
Ora, 24
Zip: 68901
Chevrolet Suburban K1500
• State Minimum Liability
The General
$94
Edith, 47
Zip: 68901
Mazda MPV Wagon
• State Minimum Liability
coverageLast Updated Nov 20, 2024

Best car insurance companies in Hastings

Jerry conducted a national insurance survey to uncover the top providers for drivers. 
Study results showed no “best” or “cheapest” insurance provider for all drivers in Hastings. Every insurance company uses different algorithms to calculate rates, so premiums for the same driver can be vastly different between providers.
In Hastings, customers rated Dairyland, Progressive, and ROOT the highest for customer satisfaction, claims processing, and policy cost, but Clearcover, Safeco, and State Farm also scored well.
Here’s what Hastings drivers have to say about these insurance providers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.2
4
4.8
4.3
State Farm
4
N/A
N/A
Liberty Mutual
3.3
N/A
N/A
Dairyland
4.4
4
N/A
4.4
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Hastings

Nebraska state requires its drivers to carry minimum coverage car insurance before getting behind the wheel of a car. That means you must purchase
liability coverage
and
Nebraska uninsured/underinsured motorist coverage (UM/UIM)
in Hastings
If you’re looking for more financial protection, you can also choose to purchase
full-coverage auto insurance
that covers collision and non-collision incidents.

Cheap minimum liability insurance quotes in Hastings

Nebraska’s car insurance laws
require drivers to carry minimum liability insurance that follows a 25/50/25 pattern. 
Here’s what drivers are required to have:
Before registering your vehicle, you must meet these requirements.
Buying a policy that meets the minimum state limits is generally the cheapest option for car insurance, but if you’re not convinced, comparing quotes is the way to go. 
Here’s an example of how Jerry can help you find cheap car insurance in Hastings:
card cover
Ryan (29 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carChevrolet Traverse LS
$93
per month
card cover
Clearcover
Isaiah (36 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carFord Focus SE
$159
per month
card cover
Edith (47 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carMazda MPV Wagon
$94
per month
card cover
Ora (24 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carChevrolet Suburban K1500
$79
per month

Do you need more than minimum coverage in Hastings?

Being involved in an accident is already a source of stress, but it can also create significant financial burdens. Nebraska law mandates drivers to carry liability insurance and UM/UIM coverage that meets the minimum requirements. The bills resulting from an accident, however, often exceed these state minimums. 
While meeting the 25/50/25 rule might appear sufficient, it’s a good idea to purchase insurance coverage that surpasses the minimums set by the state. Drivers in Hastings should consider increasing their coverage by opting for a policy that offers limits of 50/100/50 or higher.

Cheap full coverage car insurance quotes in Hastings

When it comes to protecting yourself in case of an accident, liability insurance alone isn't enough—it only covers damages to others. This is where a full coverage auto insurance policy comes into play. Opting for full coverage is one of the best ways to protect yourself against vehicle repair or replacement costs.
In Hastings, a full coverage policy includes liability coverage and UM/UIM, as well as
comprehensive
and
collision coverage
:
  • Collision insurance pays for the costs to repair your vehicle or the fair market value of your car if it's deemed a total loss. Keep in mind that collision coverage requires you to pay a deductible. 
  • Comprehensive insurance covers the cost of damages to your car resulting from almost everything except a collision. It covers scenarios like theft, vandalism, falling objects, glass breakage, or animal damage. Comprehensive coverage also has a deductible.
If you're leasing your vehicle, lenders in Hastings will require you to have a full-coverage policy that includes both collision and comprehensive coverage.
Even if you don't lease your car, having a full coverage policy can be highly advantageous for drivers in Hastings—and Jerry can assist you in finding the best rate for the best coverage.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$93
Ryan, 29
Zip: 68901
Chevrolet Traverse LS
• State Minimum Liability
• Comp / Collision
Safeco
$156
Jason, 30
Zip: 68901
RAM 1500 Rebel
• State Minimum Liability
• Comp / Collision
Clearcover
$159
Isaiah, 36
Zip: 68901
Ford Focus SE
• State Minimum Liability
• Comp / Collision
Assurance America
$106
Johnny, 39
Zip: 68901
Ford Edge SEL
coverageLast Updated Nov 20, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Hastings

After analyzing scores of insurance providers in Hastings, we have discovered that the average price for minimum liability coverage amounts to be $76 per month or $912 per year. Additionally, residents of Hastings can expect to pay an average of $180 per month or $2,160 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Car insurance quotes in Hastings by rating factors 

Insurance companies in Hastings use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Hastings?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Nebraska currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Hastings:

Cheap car insurance quotes in Hastings after driving violations

Whether you're responsible for a minor collision or you've been caught racing with a friend, driving infractions can significantly impact your car insurance premiums.
Insurers in Hastings carefully monitor your driving record, as they’re cautious about insuring high-risk drivers. Such drivers are at higher risk of submitting claims, which would result in substantial payouts.

Cheapest car insurance in Hastings after speeding ticket

The penalties for speeding tickets in Hastings vary according to the extent by which you exceeded the legal speed limit. Let’s break them down:
  • 1-5 mph over speed limit: $10
  • 5-10 mph over speed limit: $25
  • 10-15 mph over speed limit: $75
  • 15-20 mph over speed limit: $125
  • 20-35 mph over speed limit: $200
  • 35+ mph over speed limit: $30
If you're caught speeding in areas like school zones or construction sites, these fines can double. On top of the fines and higher insurance premiums, you may also have to pay court fees, transaction fees, and other associated costs.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Nationwide
$65
Bettie, 34
Zip: 68902
Volkswagen Beetle
• State Minimum Liability
Speeding 6-10
Travelers
$57
Jesse, 34
Zip: 68901
BMW M3
• State Minimum Liability
coverageLast Updated Nov 16, 2024

Cheapest car insurance in Hastings after DUI

As with most states, the
DUI laws in Nebraska
are pretty strict. The minimum fine for a DUI is $400 but the penalties can escalate depending on your blood alcohol content (BAC). In Hastings, the following penalties may be imposed:
  • Mandatory completion of an alcohol treatment program
  • Community service
  • Jail time
  • License suspension
Having a DUI on your driving record categorizes you as a "high-risk driver," which raises concerns for insurance companies. As a result, your insurance premium will significantly increase until the DUI is expunged from your record—assuming that it’s possible to clear it.
card cover
Glenn (43 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68902)
$70
per month
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Bertie (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationHastings, NE
(Zip Code: 68901)
$72
per month

Cheapest car insurance in Hastings after an at-fault accident

Having a driving record filled with at-fault accidents signals to insurance companies that you are a less cautious driver, classifying you as high risk. As a result, your insurance premium is likely to be higher than average.
To avoid spending excessively due to minor accidents, there are simple strategies to obtain the cheapest rates, including utilizing available discounts and working to maintain a clean driving record.
When it comes to finding inexpensive car insurance in Hastings following an accident, one of the easiest approaches is to shop with Jerry. See how Jerry has helped Hastings drivers secure affordable quotes, even with accidents on record.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$100
Randall, 46
Zip: 68901
Mazda MPV Wagon
• State Minimum Liability
Not At Fault
Progressive
$492
Lettie, 26
Zip: 68901
Chevrolet Silverado K1500 Crew Cab
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Clearcover
$159
Stephen, 35
Zip: 68901
Ford Focus SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 16, 2024

Cheapest car insurance in Hastings after other driving violations

A DUI or speeding ticket can lead to a spike in car insurance rates for Hastings drivers. Take note, however, that it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.
Check out some examples of how Jerry helped drivers with violations find affordable insurance in Hastings.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$492
Augusta, 26
Zip: 68901
Chevrolet Silverado K1500 Crew Cab
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Clearcover
$112
Adelaide, 23
Zip: 68901
Chevrolet Impala LT
• State Minimum Liability
• Comp / Collision
Careless Driving
Progressive
$374
Walter, 25
Zip: 68901
Buick Encore GX Select
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Dairyland
$298
Hettie, 26
Zip: 68901
Chevrolet Silverado K1500 Crew Cab
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Clearcover
$112
Hallie, 23
Zip: 68901
Chevrolet Impala LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

Cheap car insurance quotes in Hastings by age

Young drivers between the ages of 16 and 19 face some of the highest insurance rates due to their lack of driving experience. Premiums usually decrease after the age of 25 but rise again in your mid-70s due to slower reflexes and increased injury risk in an accident. 
If you’re seeking the most affordable rates regardless of age, USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual, and Progressive are top choices in Hastings. To find the best deal for your needs, it’s wise to shop around.  

Cheapest car insurance in Hastings for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance rates compared to any other age group in Hastings. This is primarily due to their limited experience on the road, which increases the likelihood of being involved in accidents and subsequently raises their insurance premiums.
When you drive with a
Nebraska provisional license
, you may notice slightly lower insurance risk as you are only allowed to drive under specific conditions. Once you obtain an unrestricted license, however, expect your rates to increase.
Fortunately, there are measures you can take to reduce your premiums. Completing a
defensive driving course
or maintaining a B+ average may qualify you for discounts with certain insurance providers. Being added as a driver to a parent or guardian's policy can also help save money.
Due to the elevated risk associated with new and young drivers, we recommend that individuals under 19 consider purchasing a full-coverage policy to ensure greater financial protection in Hastings.
card cover
Lettie (22 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carChevrolet Trax 1LT
$199
per month
card cover
Clearcover
Martha (24 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carChevrolet Impala LT
$112
per month
card cover
Ora (24 years old)
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carChevrolet Suburban K1500
$79
per month

Cheapest car insurance in Hastings for senior drivers

Despite having significantly more driving experience compared to teenagers, senior drivers often face high car insurance rates. Higher rates for seniors stem from their increased vulnerability and higher risk of mortality, hospitalization, and medical expenses if they are involved in an accident. Slower reflexes among seniors also contribute to higher accident risk.
Since these higher risks can lead to increased costs for insurers, seniors typically pay higher premiums. 
You can find the
best insurance for seniors
in Hastings when you shop with Jerry. 
card cover
Derek (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationHastings, NE
(Zip Code: 68901)
$71
per month
card cover
Ralph (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationHastings, NE
(Zip Code: 68902)
$65
per month

Cheap car insurance quotes in Hastings based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Nina (46 years old)
Currently Insured
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carMazda MPV Wagon
$100
per month
card cover
Myrtle (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carRAM 1500 Rebel
$156
per month
card cover
Clearcover
Adam (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carFord Focus SE
$159
per month
card cover
Clearcover
Stephen (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carFord Focus SE
$159
per month
card cover
Edgar (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationHastings, NE
(Zip Code: 68901)
carRAM 1500 Rebel
$156
per month

Cheap car insurance quotes in Hastings for drivers with poor credit

While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$100
Randall, 46
Zip: 68901
Mazda MPV Wagon
• State Minimum Liability
660 - 750
Progressive
$100
Juan, 46
Zip: 68901
Mazda MPV Wagon
• State Minimum Liability
550 - 659
Progressive
$87
Susan, 52
Zip: 68901
Chevrolet Spark 1LT
• State Minimum Liability
• Comp / Collision
< 550
Dairyland
$79
Chris, 24
Zip: 68901
Chevrolet Suburban K1500
• State Minimum Liability
coverageLast Updated Nov 21, 2024

How to lower car insurance costs in Hastings

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Hastings pay on average $76 per month – or $912 per year – on state-minimum liability coverage. Full coverage in Hastings costs on average $180 per month or $2,160 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
The state-minimum car insurance in Hastings, Nebraska is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Based on thousands of Hastings drivers Jerry has worked with, car insurance in Hastings costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
National General
,
Dairyland
, and
Progressive
receive good ratings from Hastings drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.