Compare the best rates from 32 car insurance companies 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.
Compare quotes from over 30 insurance companies that provide coverage throughout Nebraska. Enter your ZIP code below to get started.
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%|
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|
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|
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)|
|Cal Casualty||Not Rated||Excellent|
|Farmers Mutual of Nebraska||Not Rated||Excellent|
|Iowa Mutual||Not Rated||Excellent|
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 — $500 Deductible|
In Nebraska, drivers are required to maintain liability and uninsured motorist coverages at or above the below minimums:
Nebraska has a lookback period of 15 years. After the first DUI, any subsequent offenses within 15 years will result in harsher penalties. In addition, penalties are enhanced for any DUI in which the driver has a BAC of 0.15% or higher. Penalties are also increased for any DUI that causes injury or death.
The first three DUI offenses in Nebraska are misdemeanors. A third DUI is a felony if the driver has a BAC of 0.15%. Four or more offenses are felonies and carry a maximum penalty of 20 years in jail for a fourth offense or 50 years for a fifth.
First-time DUI offenses in Nebraska lead to:
If you receive a ticket or citation, your car insurance costs will probably go up. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below car insurance costs in Nebraska after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,038||59%||$754|
|Refused Breathalyzer/Chemical Test||$1,898||48%||$614|
|Driving with a Suspended License||$2,038||59%||$754|
|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|
|Following Too Closely||$1,576||23%||$292|
|Failure to Stop at a Red Light||$1,560||21%||$275|
|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|
|Driving with Expired Registration||$1,509||17%||$224|
|Failure to Show Documents||$1,509||17%||$224|
|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|
On average, drivers in Nebraska pay $593 for a six-month car insurance policy. This is about 16% more than the national average.
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.
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|
|9||South Sioux City||$1,346|