Cheap Nebraska Car Insurance

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

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

It's cheap to get car insurance in Nebraska!

Whoa! Nebraska is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Nebraska might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Nebraska?
Rank Company Premium
1 American National $336
2 Safeco $496
3 The Hartford $856
4 Auto-Owners $914
5 Allied $930
6 Farmers Mutual of Nebraska $999
7 Farm Bureau Mutual $1,000
8 Nationwide $1,017
9 State Farm $1,054
10 General Casualty $1,103
11 USAA $1,139
12 American Family $1,271
13 Cal Casualty $1,283
14 MetLife $1,306
15 Iowa Mutual $1,321
16 EMC $1,327
17 GEICO $1,335
18 Progressive $1,431
19 Farmers $1,618
20 North Star $1,676
21 Liberty Mutual $1,822
22 Allstate $1,834
23 Shelter $1,860
24 Auto Club Group $2,626

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%
Car Insurance Laws

State minimum insurance requirements in Nebraska

In Nebraska, the state minimum coverage requirements are as follows:
Liability
Uninsured Motorist
Optional coverage in Nebraska (varies by carrier):

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.

Top Nebraska Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Nebraska.

Car Insurance FAQs

Are digital insurance cards accepted in Nebraska?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Nebraska you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Nebraska?

Uninsured Drivers in Nebraska
Nebraska

7%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Lincoln, Nebraska, and the most expensive in Scottsbluff, Nebraska.

Rank City Avg. Annual Premium
1 Scottsbluff $1,347
2 Gering $1,330
3 Alliance $1,327
4 McCook $1,305
5 Lexington $1,290
6 South Sioux City $1,277
7 North Platte $1,275
8 Beatrice $1,247
9 Omaha $1,245
10 Crete $1,222
11 Blair $1,212
12 Kearney $1,212
13 Seward $1,203
14 Nebraska City $1,200
15 Hastings $1,170
16 York $1,168
17 Bellevue $1,167
18 Columbus $1,162
19 Fremont $1,154
20 Grand Island $1,147
21 La Vista $1,139
22 Norfolk $1,136
23 Papillion $1,118
24 Lincoln $1,084

Recent Nebraska Car Insurance Questions and Answers

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

Dec 06, 2017

I was driving and the lady in front of me slammed on her breaks which caused me to rear-end her. ...

Will my insurance company pay for an attorney?

Feb 07, 2017

I was involved in an accident a little more than a month ago. There was dispute about who is at-fault ...

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

Nov 12, 2016

My son was hit by another driver shortly after he let his insurance lapse. He is still financing his vehicle ...

Should I cancel my policy if I sold my vehicle and won’t be getting another car for a month?

Mar 10, 2016

I sold my car to get more money than I would on trade-in value, but the check from the buyer ...

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
Alcohol Related Fatalities

74

Per Year in Nebraska
Annual DUI Arrests
Nebraska
13,692
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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, Nebraska 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.

Please Note:

  • 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.