Car Insurance for Good Drivers in Nebraska

The Zebra
July 15, 2019

Car insurance for low-risk drivers in Nebraska

Some of the factors contributing to car insurance rates are out of your control, including your gender, age, and location. But there are a few factors you can control if you're looking for more affordable rates.

If you want to find the lowest possible car insurance rates, try to keep your driving record cleaen, your credit score solid, and your monthly mileage low. Auto insurance companies provide premium price cuts to customers who present relatively little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Nebraska.

Car insurance rates for drivers with no citations in Nebraska

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Car insurance companies view good drivers as less risky customers and assign them more affordable rates. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your insurance comparison journey with American National P&C, offering an average annual premium of $474. That comes out to $913less than the average car insurance rate for drivers without driving violations in Nebraska.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NEBRASKA
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$474
EMC Insurance$635
Nationwide$986
Allied$987
General Casualty$998
State Farm$1,012
Farmers Mutual of Nebraska$1,053
Iowa Mutual$1,081

Auto insurance rates for drivers with above-average credit in Nebraska

Car insurance companies reward clients who maintain a solid credit history. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score is between 670 and 739, your best option for car insurance might be American National P&C, offering average rates of $474. If your credit score is in the “excellent” range, American National P&C might be a smart place to start your search. American National P&C's rates for clients with "excellent" credit average are $766 per year less than the average car insurance rate for drivers with excellent credit in Nebraska.

Find below a breakdown of auto insurance rates in Nebraska for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NEBRASKA
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$474
EMC Insurance$635
Nationwide$986
Allied$987
General Casualty$998
State Farm$1,012
Farmers Mutual of Nebraska$1,053
Iowa Mutual$1,081

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NEBRASKA
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$387
EMC Insurance$605
State Farm$893
Allied$939
Nationwide$939
Farmers Mutual of Nebraska$951
General Casualty$965
Progressive$1,049

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NEBRASKA
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$316
EMC Insurance$578
State Farm$789
Allied$878
Nationwide$878
Progressive$915
General Casualty$932
Farmers Mutual of Nebraska$951

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Car insurance for low-mileage drivers in Nebraska

If you drive infrequently, you're less likely to get into a collision. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Nebraska resident who doesn't rack up major mileage, consider American National P&C, which offers average annual savings of $960 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NEBRASKA
Insurance CompanyAvg. Annual Auto Insurance Rate
American National P&C$427
EMC Insurance$510
State Farm$910
General Casualty$943
Nationwide$986
Allied$987
Farmers Mutual of Nebraska$1,053
Iowa Mutual$1,081

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Rates for good drivers in Nebraska — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurers price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a summary of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Lincoln$1,395$1,395$1,243$1,135$1,511
Bellevue$1,494$1,494$1,330$1,216$1,625
Kearney$1,537$1,537$1,360$1,245$1,837
Grand Island$1,570$1,570$1,390$1,272$1,856
Omaha$1,640$1,640$1,460$1,333$1,790

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