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. The average car insurance rate in Nebraska is $1,589 per year — just about 4% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Nebraska car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Nebraska based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Nebraska
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Nebraska.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the central region.
As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.
Farmers Insurance placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Nebraska
These companies offer the cheapest rates in the following scenarios.
The cheapest rates for full coverage insurance in Nebraska are from Nationwide at $1,210 annually, about $100 per month.
For teen drivers in Nebraska, USAA is the cheapest on average.
If you have a DUI on your record, check out Farmers for the cheapest average rates, followed closely by Nationwide.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Nebraska auto insurance laws
Car insurance is mandatory in almost every state, including Nebraska. If you choose the legal minimum coverage level in Nebraska, expect to pay an average of $425 annually. This expenditure is less expensive than the nationwide average by 21%.
If you choose the legal minimum coverage level in Nebraska, expect to pay an average of $425 annually
State minimum coverage
In order to drive legally in the state of Nebraska, you must carry at least the minimum liability limits listed below:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $25,000 per accident
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
Optional coverage in Nebraska (varies by carrier):
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Underinsured Motorist Bodily Injury
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Nebraska, a comprehensive insurance policy with a $1,000 deductible costs $1,318, 210% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay around $1,751, 312% more than you would for basic coverage.
In Nebraska, a comprehensive insurance policy with a $1,000 deductible costs $1,318, 210% more than liability-only car insurance.
Compare car insurance rates from the best companies in Nebraska.
Nebraska car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Nebraska.
Cheap auto insurance in Nebraska for minimum coverage
Getting the bare minimum of car insurance required by your state is certainly a way to save money, but it's worth remembering that skimping on coverage can leave you and your vehicle at risk in the event of an accident. For reference, the average cost of minimum coverage car insurance in Nebraska is around $425. To get a sense of the cheapest carriers, have a look at the table below.
Cheap auto insurance in Nebraska with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Nebraska drivers with poor credit pay 172% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Nebraska with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. The average rate after an at-fault accident could see your car insurance rates increase to an average of $2,162 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Nebraska
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Nebraska, teen drivers pay especially high rates: $4,839 per year — a whopping 210% increase.
Nebraska auto insurance rate by violation
In Nebraska, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Nebraska after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,820||0%||$4|
|One comp claim||$1,948||7%||$133|
|Two Med/PIP claims||$1,960||8%||$144|
|Failure to wear a seat belt||$2,019||11%||$203|
|Cell phone violation||$2,021||11%||$205|
|Texting while driving||$2,021||11%||$205|
|Failure to show documents||$2,022||11%||$207|
|Driving with expired registration||$2,035||12%||$219|
|Driving without lights||$2,054||13%||$238|
|Failure to yield||$2,080||15%||$265|
|Child safety restraint||$2,083||15%||$267|
|Driving too slowly||$2,085||15%||$269|
|Speeding in school zone||$2,096||15%||$281|
|Failure to stop at a red light||$2,109||16%||$293|
|Speeding 6 - 10 MPH over limit||$2,146||18%||$330|
|Following too closely||$2,150||18%||$334|
|Passing school bus||$2,154||19%||$338|
|Speeding 11 - 15 MPH over limit||$2,173||20%||$358|
|Two comp claims||$2,179||20%||$364|
|Speeding 16 - 20 MPH over limit||$2,189||21%||$373|
|Speeding 21 - 25 MPH over limit||$2,230||23%||$415|
|Wrong way/wrong lane||$2,240||23%||$424|
|In 65 MPH zone||$2,329||28%||$513|
|Operating a vehicle without permission||$2,354||30%||$539|
|At-fault accident - less than $1000||$2,367||30%||$551|
|At-fault accident - $1000-$2000||$2,608||44%||$792|
|At-fault accident - greater than $2000||$2,657||46%||$841|
|Driving with a suspended license||$3,131||72%||$1,315|
|Refusal to submit to a chemical test||$3,202||76%||$1,387|
|Leaving scene of an accident/hit and run||$3,368||86%||$1,553|
Nebraska DUI laws
In Nebraska, a DUI offense can increase your annual car insurance premium to an average of $3,278. That’s 32% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Nebraska
If you're convicted of a DUI or DWI violation in Nebraska, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Nebraska comes from Farmers, with annual rates 24% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Nebraska is Nationwide, while the priciest carrier is GEICO, with prices 23% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Nebraska SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Nebraska to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Nebraska might require some research, but it could pay off in the end.
How to acquire an SR-22 in Nebraska
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Nebraska in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the state's largest cities, the cheapest car insurance is found in Lincoln, Nebraska, and the most expensive in Omaha, Nebraska.
Have a look at the table below to see average car insurance costs in some of Nebraska's biggest cities.
Car insurance price trends in Nebraska
In Nebraska, average annual auto insurance costs increased by $68 in the past year. A typical Nebraska driver pays an average of $1,589 per year.
The recent pricing trend in Nebraska leans toward slightly pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Nebraska||Yearly Change — Nebraska||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Nebraska car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Nebraska auto insurance.
What is the average cost of car insurance in Nebraska?
Is car insurance required in Nebraska?
Who really has the cheapest auto insurance in Nebraska?
Save money on your next car insurance policy!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.