Cheap Nebraska Car Insurance

Find affordable insurance that works for you in Nebraska. Compare quotes from over 100 top companies.

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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’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums in Nebraska

What's the cheapest car insurance in Nebraska?
RankCompany NameAvg. Annual Premium
1Safeco$496
2The Hartford$856
3Allied$1,161
4Nationwide$1,165
5Farmers Mutual of Nebraska$1,233
6State Farm$1,297
7Iowa Mutual$1,630
8Progressive$1,840
9American Family$2,057
10Farmers$2,309

Compare quotes from over 30 insurance companies that provide coverage throughout Nebraska. Enter your ZIP code below to get started.

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Cheap 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$20314.66%
No Accidents$57632.80%
Good Credit$86842.35%

Cheap Insurance for Young Drivers in 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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,922$5,238
17$5,694$4,665
18$5,732$4,232
19$4,892$2,753

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,75732.80%
DUI$1,93839.06%
Speeding Violation$1,38414.66%
Bad Credit$2,04942.35%

Best Car Insurance Companies in Nebraska

Almost every auto insurance company advertises its cheap prices. But as with any product or service, the most affordable car 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.

Compare popular insurance companies' financial strength and claims satisfaction ratings to better understand the quality of service you can expect. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurer's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
American Family4Excellent
Cal CasualtyNot RatedExcellent
EMCNot RatedExcellent
Farmers3Excellent
Farmers Mutual of NebraskaNot RatedExcellent
GEICO3Superior
Iowa MutualNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in Nebraska?

The legal minimum car insurance in Nebraska is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare average rates for basic, better, and best policy options in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Nebraska$421.84$997.73$1,186.28
National Average$657.66$1,241.26$1,397.94

Nebraska Auto Insurance Laws

State minimum insurance requirements in Nebraska

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

Learn more about auto insurance regulations in Nebraska

Driving Laws in Nebraska

Nebraska Texting and Driving Laws

  1. Ban on all cell phones for drivers <18 years old w/ Learner or Intermediate License
  2. Ban on text messaging for all drivers

Nebraska DUI Laws

Nebraska has a lookback period of 15 years. After the first DUI, any subsequent offenses within 15 years will result in harsher penalties. In addition, penalties are enhanced for any DUI in which the driver has a BAC of 0.15% or higher. Penalties are also increased for any DUI that causes injury or death.

The first three DUI offenses in Nebraska are misdemeanors. A third DUI is a felony if the driver has a BAC of 0.15%. Four or more offenses are felonies and carry a maximum penalty of 20 years in jail for a fourth offense or 50 years for a fifth.

First-time DUI offenses in Nebraska lead to:

  • Seven to 60 days in jail
  • $500 in fines
  • A 60-day license revocation
  • 180-day license suspension for failing a BAC test
  • Possible installation and use of an ignition interlock device for six months

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,03859%$754
Refused Breathalyzer/Chemical Test$1,89848%$614
DUI$1,89848%$614
Racing$2,03859%$754
Reckless Driving$2,07261%$788
Driving with a Suspended License$2,03859%$754
At-Fault Accident$1,76337%$478
Driving with an Open Container$1,75437%$469
Operating a Vehicle Without Permission$1,60825%$324
Passing a School Bus$1,57423%$290
Improper Passing$1,57423%$290
Following Too Closely$1,57623%$292
Speeding$1,53820%$254
Failure to Stop at a Red Light$1,56021%$275
Illegal Turn$1,57623%$292
Driving Wrong Way/Wrong Lane$1,55821%$274
Failure to Yield$1,57623%$292
Speeding in a School Zone$1,53319%$249
Driving Too Slowly$1,50517%$221
Distracted Driving$1,57022%$285
Driving with Expired Registration$1,50917%$224
Failure to Show Documents$1,50917%$224
Not-at-Fault Accident$1,42911%$145
Failure to Use Child Safety Restraint$1,41410%$130
Failure to Wear a Seat Belt$1,3918%$106
Driving Without Lights$1,41410%$130

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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 has the cheapest auto insurance?

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.

RankCityAvg. Annual Premium
1Scottsbluff$1,488
2McCook$1,476
3Omaha$1,453
4Gering$1,451
5Blair$1,447
6Lexington$1,429
7North Platte$1,395
8Alliance$1,372
9South Sioux City$1,346
10Crete$1,341
11Bellevue$1,328
12Kearney$1,327
13Seward$1,313
14Beatrice$1,305
15Papillion$1,298
16La Vista$1,297
17Hastings$1,291
18York$1,289
19Fremont$1,281
20Nebraska City$1,270
21Lincoln$1,255
22Norfolk$1,242
23Grand Island$1,220
24Columbus$1,209

Recent Nebraska Car Insurance Questions and Answers

If my son is without insurance and hit by another driver, will their insurance cover his damage?

If the other driver is 100% at fault then your son's insurance status shouldn't impact the results of the claim. Ultimately the other driver's insurance company will determine fault based on the details that are provided to them so his best bet would be to contact that company as soon as possible to begin the process.

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because&nbsp;the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually&nbsp;pay is the actual cash value of the vehicle&nbsp;unless stated&nbsp;otherwise.&nbsp;

What does Personal Injury Protection really mean?

Medical payments will pay for your injuries no matter who is at fault in the accident and can pay for the injuries of the other passengers in your car as well. Typically, you will only be paid for the cost of the injuries within the limits of the other person's liability limits.


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.