Edited By Kristine Lee
Here's what you need to know when driving in Nebraska
Across the Cornhusker State, there are 190,398 miles of road just waiting to be driven. We've made shopping for the best cheap insurance in Nebraska easy. Below, learn how the most common rating factors affect the state's average premiums. Or, submit your ZIP code above to compare personalized rates in minutes.
Affordable insurance companies in Nebraska
What's the cheapest car insurance in Nebraska?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Safeco | $496 |
| 2 | The Hartford | $856 |
| 3 | Allied | $1,161 |
| 4 | Nationwide | $1,165 |
| 5 | Farmers Mutual of Nebraska | $1,233 |
| 6 | State Farm | $1,297 |
| 7 | Iowa Mutual | $1,630 |
| 8 | Progressive | $1,840 |
| 9 | American Family | $2,057 |
| 10 | Farmers | $2,309 |
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Cheap auto insurance for good drivers in Nebraska
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Nebraska drivers don't enjoy much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just a 14% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $203 | 14.66% |
| No Accidents | $576 | 32.80% |
| Good Credit | $868 | 42.35% |
Cheap auto insurance for young drivers Nebraska
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Nebraska, the typical teen driver pays $4,891 per year, which aligns closely with the national average for all teen drivers.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $5,922 | $5,238 |
| 17 | $5,694 | $4,665 |
| 18 | $5,732 | $4,232 |
| 19 | $4,892 | $2,753 |
Cheap auto insurance for bad drivers in Nebraska
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 39% after a DUI, 32% after an at-fault accident, and 14% after a speeding ticket in Nebraska. The post-citation penalties assessed by car insurance companies in Nebraska roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,757 | 32.80% |
| DUI | $1,938 | 39.06% |
| Speeding Violation | $1,384 | 14.66% |
| Bad Credit | $2,049 | 42.35% |
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Top rated car insurance companies in Nebraska
Almost every auto insurance company advertises its cheap prices. But as with any product or service, the least expensive insurance isn't always the best choice. Considering what's at stake, it's worthwhile to do the homework to find an auto insurance policy that covers your vehicle adequately in the event of an accident. Be patient and look for the best value, rather than settling for the cheapest auto insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company |
Claims Satisfaction (J.D. Power) |
Customer Satisfaction (J.D. Power) |
Financial Strength (A.M. Best) |
Customer Satisfaction (The Zebra) |
| Allied | N/A | N/A | Average | N/A |
| Allstate | Average | Average | Superior | 4.3 / 5 |
| American Family | Above average | Excellent | Excellent | 4.3 / 5 |
| Farmers | Excellent | Below average | Excellent | 4.3 / 5 |
| Farmers Mutual of Nebraska | N/A | N/A | Excellent | N/A |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Iowa Mutual | N/A | N/A | Excellent | N/A |
| Nationwide | Average | Poor | Superior | 4.3 / 5 |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
Nebraska auto insurance laws
In Nebraska, drivers are required to maintain liability and uninsured motorist coverages at or above the below minimums:
Liability:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $25,000 per accident
Uninsured Motorist:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
Optional coverage in Nebraska (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Underinsured Motorist Bodily Injury
If you select the minimum required coverage in Nebraska, you can expect to owe an average of $422 per year. This expenditure is cheaper than the national average by 36%. If you opt for more comprehensive coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-vs.-car collisions, theft, or weather incidents. Better insurance coverage comes at a price: in Nebraska, a comprehensive policy with a $1,000 deductible costs $998, 137% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 181% more than you would for basic liability-only coverage.
Learn more about auto insurance regulations in Nebraska.
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How tickets change insurance rates in Nebraska
If you receive a ticket or citation, your car insurance costs will probably go up. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below car insurance costs in Nebraska after a few common citations.
Nebraska car insurance FAQs
What is the average cost of car insurance in Nebraska?
On average, drivers in Nebraska pay $593 for a six-month car insurance policy. This is about 16% more than the national average.
Is car insurance required in Nebraska?
If your vehicle is parked on a public road or driven on a public street, you are required to carry at least the legal liability limit.
Who really has the cheapest auto insurance in Nebraska?
Our data indicate Safeco and The Hartford offer the cheapest auto insurance in Nebraska. Safeco's policies cost $496 per year and The Hartford charges $596.
How much does car insurance cost in Nebraska cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Columbus, Nebraska, and the most expensive in Scottsbluff, Nebraska.
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