What's the Average Cost of Auto Insurance in Nebraska?

The Zebra
Oct. 11, 2018

Auto insurance is inexpensive in Nebraska. The average car insurance rate in Nebraska is $1,184 per year — 17.0% less than the US average.

But car insurance premiums are impacted by more than just location. Car insurance rates consider a number of components, such as the insured party's age, gender, marital status, credit, and driving history.

We assessed average Nebraska auto insurance prices by all of the main rating factors. Read on to see how much car insurance costs in your state — or enter your zip code to receive tailored prices from popular insurers.


Average Auto Insurance Rates in Nebraska by Age

It's impossible to avoid: as you age, your car insurance prices shift. As a general rule, auto insurance is pricier for young drivers and teens, as car insurers see inexperienced motorists as less responsible.

In Nebraska, auto coverage costs $5,238 each year for a 16-year-old driver, and only $1,023 annually for a driver aged between 50 and 59.


NEBRASKA AUTO INSURANCE COSTS BY AGE BRACKET
Age Average Yearly Rate
16 $5,238.25
17 $4,665.09
18 $4,232.11
19 $2,753.50
20s $1,572.84
30s $1,157.00
40s $1,113.44
50s $1,023.19
60s $1,019.02
70s $1,177.31



Average Auto Insurance Outlays in Nebraska by Gender

While gender doesn’t carry as sizable an effect on auto insurance rates as a driver's location or age, it is used as a rating factor. Women pay less than do men for auto insurance in Nebraska, but the disparity is only $0.71 annually.

NEBRASKA CAR INSURANCE RATES FOR MEN AND WOMEN
Gender Average Annual Premium
Male $1,180.98
Female $1,180.27



Average Auto Insurance Premiums in Nebraska by Marital Status

One benefit of getting married — aside from the wedding gifts — is the lower prices you tend to receive on your car insurance policy. In Nebraska, married drivers save $101 per year on car insurance. This is a better deal than the national average of $76.


NEBRASKA CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,180.98
Married $1,079.70
Divorced $1,180.98
Widowed $1,148.37



Average Auto Insurance Rates in Nebraska by Credit Score

Car insurance companies use credit as a way of determining how reliable a prospective customer will be. Historical data indicate drivers who hold excellent credit scores are more dependable auto insurance clients: they less frequently file claims for which insurance companies pay.

In Nebraska, a car insurance client who maintains excellent credit saves $1,014.35 per year on car insurance rates, compared with a driver who has a less-favorable credit rating. Learn more about how credit history can affect auto insurance premiums:


NEBRASKA CAR INSURANCE PRICES BY CREDIT LEVEL
Credit Level Average Yearly Rate
Very Poor (300-579) $2,048.60
Fair (580-669) $1,719.41
Good (670-739) $1,433.20
Very Good (740-799) $1,225.91
Exceptional (800-850) $1,034.25



Median Car Insurance Costs for Bad Drivers in Nebraska

If you’re defined as at fault in an accident or found guilty of a driving infraction, your car insurance rates are going to climb. The more violations you accrue, the more costly your car insurance policy gets.

In Nebraska, your first minor at-fault collision will lead to an extra $423.64 each year in auto insurance premiums. A DUI — thought of as one of the most grave driving violations — may increase your annual insurance expenditure in Nebraska by an average of $753.72.


NEBRASKA CAR INSURANCE COSTS WITH INFRACTIONS
Age Average Yearly Premium
DUI/DWI $1,937.85
Reckless Driving $1,885.76
At-Fault Accident (<$1,000) $1,607.77
At-Fault Accident ($1,000-$2,000) $1,185.80
At-Fault Accident (>$2,000) $1,757.34
Open Container $1,144.78
Speeding (21-25 MPH > limit) $1,291.26
Speeding (16-20 MPH > limit) $1,291.26

If your car insurance premiums cost more than average, it's worth weighing your options to find affordable coverage that works.


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