Cheap Nebraska Car Insurance

Compare the best rates from 16 car insurance companies in Nebraska.

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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.


 

Cheap Car Insurance

What's the cheapest car insurance in Nebraska?
RankCompany NameAvg. Annual Premium
1American National$336
2Safeco$496
3The Hartford$856
4Auto-Owners$914
5Allied$930
6Farmers Mutual of Nebraska$999
7Farm Bureau Mutual$1,000
8Nationwide$1,017
9State Farm$1,054
10General Casualty$1,103
11USAA$1,139
12American Family$1,271
13Cal Casualty$1,283
14MetLife$1,306
15Iowa Mutual$1,321
16EMC$1,327
17GEICO$1,335
18Progressive$1,431
19Farmers$1,618
20North Star$1,676
21Liberty Mutual$1,822
22Allstate$1,834
23Shelter$1,860
24Auto Club Group$2,626

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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%

What are the 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

Car Insurance Laws

State minimum insurance requirements in Nebraska

In Nebraska, the state minimum coverage requirements are as follows:
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

Liability coverage is legally required in Nebraska and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Nebraska, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Nebraska and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Nebraska, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in Nebraska but higher coverage amounts are available with most companies.

Nebraska Car Insurance FAQs

How much is car insurance in Nebraska?

Many factors influence your car insurance rates. However, the average cost of car insurance in Nebraska is $422 for liability-only and $1,186 for full coverage.

Do I need insurance to register a car in Nebraska?

Yes. In order to drive your vehicle on public roadways, it must be registered with the state of Nebraska DMV.

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 Omaha, Nebraska.

RankCityAvg. Annual Premium
1Omaha$1,400
2Scottsbluff$1,357
3McCook$1,356
4Blair$1,352
5Lexington$1,336
6Gering$1,328
7North Platte$1,293
8Bellevue$1,281
9South Sioux City$1,281
10Alliance$1,275
11Beatrice$1,255
12Crete$1,248
13Seward$1,247
14Papillion$1,246
15Kearney$1,238
16La Vista$1,236
17Hastings$1,217
18Fremont$1,211
19Nebraska City$1,208
20York$1,205
21Lincoln$1,194
22Norfolk$1,174
23Grand Island$1,156
24Columbus$1,143

Recent Nebraska Car Insurance Questions and Answers

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.

Garage doors damaged

Only file a claim if the damages are so bad that you couldn't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at fault accident on your record for 3 years.

Should I contact the police and insurance company days after I rear ended a car?

It is unlikely that the other driving contacting the police days after the accident will result in any citation. Unless they were called to the scene, they probably won't even be able to write an accident report.

Will my insurance company pay for an attorney?

Lawsuits can be an unfortunate consequence of a car accident, but that doesn't mean you're on your own. Your insurance company should provide representation for you in court, but you will need to contact them immediately.


Driving Laws

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

How Do Tickets Impact Nebraska Car Insurance Rates?

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

Nebraska Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Nebraska area, while also getting an insider view of the Cornhusker State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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