Are Car Insurance Costs Going Up in Nebraska?

The Zebra
May 31, 2019

As most drivers can attest, auto insurance rates tend to rise every year. But there's a lot that goes into pricing auto insurance policies — and not every region experiences the same rate trends.

A client's location is one of the rating factors insurance companies use to set premiums. The state, city, and ZIP code in which a car is stored and operated help determine car insurance prices — this comes down to state law and the risks associated with insuring cars in varying areas.

Due to the multi-faceted nature of car insurance pricing, rate trends vary widely by state. Car insurance rates might be rising annually in one state while decreasing for drivers a single state over.

See below trending car insurance rates in Nebraska. If your policy isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison engine furnishes car insurance rates based on your specific profile — enter your ZIP below to get started.


Auto insurance rate trends in Nebraska


Average annual auto insurance premiums in Nebraska went up by $92 from 2017 to 2018. A typical Nebraska driver pays an average of $1,284 per year.

The year-over-year trend in Nebraska leans toward pricier auto insurance. From 2015 to 2018, rates grew more expensive by an average of $192 per year. Meanwhile, car insurance prices across the US have risen in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


NEBRASKA AUTO INSURANCE PRICE TRENDS
YearAvg. Annual Premium — NebraskaYearly Change — NebraskaAvg. Annual Premium — USAYearly Change — US
2018$1,284$92$1,470$32
2017$1,192-$4$1,437$69
2016$1,196$104$1,368$88
2015$1,092$52$1,280$51
2014$1,040-$102$1,229$34
2013$1,142$13$1,195-$80
2012$1,129$241$1,276$82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are car insurance rates trending in major cities in Nebraska?


Car insurance prices are set at the local level, with a variety of location-specific variables impacting how much you pay. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city.

See below annual rate changes in major Nebraska municipalities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.


CityAvg. Premium Increase — 2018 vs. 2017
Kearney5.8%
Omaha5.8%
Grand Island5.7%
Bellevue5.6%
Lincoln5.4%

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