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Cheapest car insurance in York, Nebraska (Oct 2023)

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

How to find the cheapest car insurance quotes in York

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 York drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
October 1, 2023
Progressive
$88
Dominic, 29
Zip: 68467
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
September 25, 2023
Assurance America
$186
Mario, 24
Zip: 68467
Hyundai Elantra Sport
• State Minimum Liability
• Comp / Collision
September 19, 2023
Allstate
$179
Belle, 27
Zip: 68467
Dodge Charger R/T
• State Minimum Liability
• Comp / Collision
September 12, 2023
Dairyland
$131
May, 41
Zip: 68467
Pontiac G6 GT
• State Minimum Liability
coverageLast Updated Oct 1, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in York

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 York. Every insurance company uses different algorithms to calculate rates, so premiums for the same driver can be vastly different between providers.
In York, 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 York 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
Highlighticon

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 York

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 York
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 York

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 York:
Dominic (29 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
carFord F150 Supercrew
$88
per month
Belle (27 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$179
per month
Andrew (41 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$131
per month

Do you need more than minimum coverage in York?

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 York 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 York

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 York, 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 York 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 York—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
$88
Dominic, 29
Zip: 68467
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
Allstate
$179
Belle, 27
Zip: 68467
Dodge Charger R/T
• State Minimum Liability
• Comp / Collision
Clearcover
$71
Luke, 53
Zip: 68467
Dodge Journey SE
• State Minimum Liability
• Comp / Collision
Assurance America
$186
Mario, 24
Zip: 68467
Hyundai Elantra Sport
coverageLast Updated Oct 1, 2023
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.
rating reverse-full
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
avatar
Sean S.
Lower my car insurance too!

Average cost of car insurance in York

After analyzing scores of insurance providers in York, we have discovered that the average price for minimum liability coverage amounts to be $148 per month or $1,770 per year. Additionally, residents of York can expect to pay an average of $148 per month or $1,770 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 York by rating factors 

Insurance companies in York 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 York?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 York:

Cheap car insurance quotes in York 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 York 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 York 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 York, 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.
Jordan (26 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$114
per month

Cheapest car insurance in York 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 York following an accident, one of the easiest approaches is to shop with Jerry. See how Jerry has helped York drivers secure affordable quotes, even with accidents on record.
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
Progressive
$190
Flora, 41
Zip: 68467
Pontiac G6 GT
• State Minimum Liability
At Fault With No Injury
Clearcover
$123
Derrick, 26
Zip: 68467
Ford Escape SE
• State Minimum Liability
• Comp / Collision
Not At Fault
Bristol West
$115
Nelle, 41
Zip: 68467
Pontiac G6 GT
• State Minimum Liability
At Fault With No Injury
Clearcover
$123
Adrian, 26
Zip: 68467
Ford Escape SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 30, 2023

Cheapest car insurance in York after other driving violations

A DUI or speeding ticket can lead to a spike in car insurance rates for York 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 York.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Failure to Obey Signal
Progressive
$68
Nannie, 31
Zip: 68467
Chrysler 300C
• State Minimum Liability
Careless Driving
Dairyland
$217
Terry, 24
Zip: 68467
Hyundai Elantra Sport
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$68
Russell, 31
Zip: 68467
Chrysler 300C
• State Minimum Liability
Failure to Obey Signal
Progressive
$68
Dustin, 31
Zip: 68467
Chrysler 300C
• State Minimum Liability
Improper Passing
Bristol West
$115
Carl, 41
Zip: 68467
Pontiac G6 GT
• State Minimum Liability
coverageLast Updated Sep 30, 2023

Cheap car insurance quotes in York 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 York. To find the best deal for your needs, it’s wise to shop around.  

Cheapest car insurance in York for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance rates compared to any other age group in York. 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 York.
Louise (24 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$124
per month
Mario (24 years old)
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$186
per month

Cheap car insurance quotes in York 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:
Gabriel (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
carFord F150 Supercrew
$88
per month
Verna (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$179
per month
Ricky (53 years old)
Currently Insured
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$71
per month
Cornelia (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$115
per month
Olive (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationYork, NE (Zip Code: 68467)
$179
per month

Cheap car insurance quotes in York 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
550 - 659
Progressive
$88
Noah, 29
Zip: 68467
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$82
Herman, 25
Zip: 68467
Dodge Dakota ST
• State Minimum Liability
coverageLast Updated Sep 25, 2023

How to lower car insurance costs in York

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 York pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in York costs on average $148 per month of $1,770 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 York, 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 York drivers Jerry has worked with, car insurance in York costs an average of $148 per month for state-minimum coverage and $148 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 York 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
Expert Insurance Writer and Editor
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
Licensed Insurance Agent
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.
avatar
Josh Damico
Head Of Insurance Operations
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.