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?
| 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 |
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 | $203 | 14.66% |
| No Accidents | $576 | 32.80% |
| Good Credit | $868 | 42.35% |
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.
| 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 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 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% |
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 Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allied | 3 | Superior |
| Allstate | 3 | Superior |
| American Family | 4 | Excellent |
| Cal Casualty | Not Rated | Excellent |
| EMC | Not Rated | Excellent |
| Farmers | 3 | Excellent |
| Farmers Mutual of Nebraska | Not Rated | Excellent |
| GEICO | 3 | Superior |
| Iowa Mutual | Not Rated | Excellent |
| Liberty Mutual | 3 | Excellent |
| MetLife | 3 | Superior |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| State Farm | 3 | Superior |
| USAA | 5 | Superior |
See insurance rates for Nebraska's best companies!
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.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $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
Driving Laws in Nebraska
Nebraska Texting and Driving Laws
- Ban on all cell phones for drivers <18 years old w/ Learner or Intermediate License
- 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.
| Violation | Avg. Annual Auto Insurance Rate | % Insurance Rate Increase | $ Insurance Rate Increase |
| Hit and Run | $2,038 | 59% | $754 |
| Refused Breathalyzer/Chemical Test | $1,898 | 48% | $614 |
| DUI | $1,898 | 48% | $614 |
| Racing | $2,038 | 59% | $754 |
| Reckless Driving | $2,072 | 61% | $788 |
| Driving with a Suspended License | $2,038 | 59% | $754 |
| At-Fault Accident | $1,763 | 37% | $478 |
| Driving with an Open Container | $1,754 | 37% | $469 |
| Operating a Vehicle Without Permission | $1,608 | 25% | $324 |
| Passing a School Bus | $1,574 | 23% | $290 |
| Improper Passing | $1,574 | 23% | $290 |
| Following Too Closely | $1,576 | 23% | $292 |
| Speeding | $1,538 | 20% | $254 |
| Failure to Stop at a Red Light | $1,560 | 21% | $275 |
| Illegal Turn | $1,576 | 23% | $292 |
| Driving Wrong Way/Wrong Lane | $1,558 | 21% | $274 |
| Failure to Yield | $1,576 | 23% | $292 |
| Speeding in a School Zone | $1,533 | 19% | $249 |
| Driving Too Slowly | $1,505 | 17% | $221 |
| Distracted Driving | $1,570 | 22% | $285 |
| Driving with Expired Registration | $1,509 | 17% | $224 |
| Failure to Show Documents | $1,509 | 17% | $224 |
| Not-at-Fault Accident | $1,429 | 11% | $145 |
| Failure to Use Child Safety Restraint | $1,414 | 10% | $130 |
| Failure to Wear a Seat Belt | $1,391 | 8% | $106 |
| Driving Without Lights | $1,414 | 10% | $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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Scottsbluff | $1,488 |
| 2 | McCook | $1,476 |
| 3 | Omaha | $1,453 |
| 4 | Gering | $1,451 |
| 5 | Blair | $1,447 |
| 6 | Lexington | $1,429 |
| 7 | North Platte | $1,395 |
| 8 | Alliance | $1,372 |
| 9 | South Sioux City | $1,346 |
| 10 | Crete | $1,341 |
| 11 | Bellevue | $1,328 |
| 12 | Kearney | $1,327 |
| 13 | Seward | $1,313 |
| 14 | Beatrice | $1,305 |
| 15 | Papillion | $1,298 |
| 16 | La Vista | $1,297 |
| 17 | Hastings | $1,291 |
| 18 | York | $1,289 |
| 19 | Fremont | $1,281 |
| 20 | Nebraska City | $1,270 |
| 21 | Lincoln | $1,255 |
| 22 | Norfolk | $1,242 |
| 23 | Grand Island | $1,220 |
| 24 | Columbus | $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 I have a gap in insurance, is it better to join my girlfriend's car insurance?
What are the coverage limits on comprehensive and collision?
What does Personal Injury Protection really mean?
