How Much Should You Pay For Auto Insurance in Nebraska?

The Zebra
Feb. 8, 2019

Car insurance is affordable in Nebraska. The average auto insurance rate in Nebraska is $1,184 annually — 17% less than the national average.

Your auto insurance premiums are dictated by factors other than your location. Car insurance rates take into account myriad factors, including one's age, credit rating, driving history, gender, and marital status.

We assessed typical Nebraska car insurance premiums by each of the major rating components. Read on to learn how much auto insurance costs in your state — or submit your zip code to see personalized rates from popular car insurers.


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Average Nebraska car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Costs in Nebraska by Age

It's unavoidable: as you grow older, your car insurance rates change. As a general rule, car insurance is more expensive for young drivers, as insurers view inexperienced motorists as less responsible.

In Nebraska, car insurance costs $5,238 annually for a 16-year-old driver, and only $1,023 per year for a driver between 50 and 59 years of age.


NEBRASKA CAR INSURANCE PRICES BY AGE
AgeAverage Yearly Premium
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

If you're facing the frightful prospect of getting insurance for a teen driver, consider that Nebraska is the 12th cheapest state in which to buy car insurance for a 16-year-old.




Average Car Insurance Prices in Nebraska by Gender

While gender doesn’t have as significant an impact on auto insurance rates as location or age, it is used as a pricing factor by car insurance underwriters.


NEBRASKA CAR INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage Annual Premium
Male$1,180.98
Female$1,180.27

If you're concerned you aren't getting the best deal with your present auto insurance company, the best course of action is to compare rates and shop around.




Average Car Insurance Rates in Nebraska by Marital Status

A pro of marriage — aside from the honeymoon — is the improved deal you often get on insurance. In Nebraska, married drivers save $101 per year on auto insurance. This is more than the national average of $76.


NEBRASKA CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,180.98
Married$1,079.70
Divorced$1,180.98
Widowed$1,148.37

Auto insurance for divorced drivers in Nebraska is the 34th most expensive in the United States. If you are paying too much for your auto insurance policy, don't be afraid to shop around. You might find a great deal!


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Average Auto Insurance Costs in Nebraska by Credit Score

Car insurance underwriters rely on credit score to get an idea of how reliable a prospective customer will be. Historical data show drivers with exceptional credit are often more reliable auto insurance customers: they're less likely to file claims insurance companies have to reimburse.

In the state of Nebraska, a driver with unblemished credit saves $1,014.35 annually in car insurance premiums, compared to a driver who has a bad credit history. Learn more about how credit score may impact car insurance expenditures:


NEBRASKA CAR INSURANCE PRICES BY CREDIT QUALITY
Credit ScoreAverage Annual 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

Finding affordable auto insurance if you're saddled with bad credit can be stressful. But we're here to assist. Check out our guide to finding auto insurance with poor credit and learn how to save!




Average Car Insurance Costs for High-Risk Drivers in Nebraska

If you've been defined as to be at fault in a driving incident or convicted of a driving infraction, your insurance premiums are bound to rise. The more red flags you accumulate, the pricier your auto insurance gets.

In Nebraska, your first minor at-fault crash results in a penalty of $423.64 each year in auto insurance premiums. A DWI — thought of as one of the most severe driving infractions — may boost your yearly insurance rates in Nebraska by an average of $753.72.


NEBRASKA AUTO INSURANCE COSTS WITH DRIVING OFFENSES
AgeAverage Yearly Rate
DUI or 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 you're facing above-average auto insurance costs, it's worth comparing options to discover affordable coverage that meets state regulations and keeps your investment safe.




Average Car Insurance Costs by Coverage in Nebraska

The amount you are charged monthly for auto insurance depends on the tier of coverage you maintain. Liability-only coverage typically costs less, while low-deductible comprehensive coverage costs more. In Nebraska, the rate gap between liability-only coverage and full coverage with a $500 deductible is $816.


NEBRASKA CAR INSURANCE PRICES BY COVERAGE TYPE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$500
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,078
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,283
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$449
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,035
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,241
State Minimum — Liability Only$406
State Minimum — $1,000 Comprehensive/Collision$1,010
State Minimum — $500 Comprehensive/Collision$1,222

If your car insurance premiums cost more than average, consider shopping around to find cheap coverage that works for you.