Auto Insurance with Bad Credit in Nebraska

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance if you have bad credit. Auto insurance companies rely on credit tier as a major rating factor, assigning their premiums based in part on drivers’ credit histories. Because car insurance companies use data that show drivers with low credit scores are more apt to file car insurance claims, they account for for the additional risk by charging more expensive rates.

Car insurance rates with bad credit depends on which company you choose, where you live, and a few other rating factors. See on this page average insurance prices for drivers with bad credit in primary Nebraska cities and rates from large car insurance companies, , along with tips on saving on auto insurance if you have bad credit in Nebraska.


Car insurance for drivers with bad credit in Nebraska:

  1. Average rates
  2. Prices by city
  3. Costs by carrier

Car insurance rates with bad credit in Nebraska

Nebraska drivers pay a penalty of $988 each year for having a "worst"-tier credit score. Drivers in either the “poor” or “below fair to poor” credit tier will also pay above-average rates for a car insurance policy.


NEBRASKA CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Nebraska
Worst$2,172
Poor$1,991
Below Fair to Poor$1,849
Average — All Credit Tiers$1,184

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Car insurance rates with bad credit in Nebraska cities

Your car insurance prices will also depend on the specific area in which you drive. Insurance companies look at your address to better understand your likelihood of filing a claim: the denser and claim-prone your immediate area is, the more expensive your rates.

Listed below are major Nebraska cities and their average car insurance costs for drivers with low credit scores.


BAD CREDIT CAR INSURANCE RATES IN NEBRASKA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Omaha$2,383$2,198$2,047
Lincoln$2,018$1,864$1,735
Bellevue$2,175$2,006$1,868
Grand Island$1,967$1,810$1,683
Kearney$2,093$1,915$1,778

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Best auto insurance companies for bad credit in Nebraska

Another factor that contributes to your premium is the company you select. Each and every auto insurance company prices its policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a major pricing differentiator between otherwise-similar insurance companies. In Nebraska, the most affordable insurance company with bad credit is Allied, which offers average savings of $43 yearly versus the second-cheapest company, Farmers Mutual of Nebraska.

See below rates from popular auto insurance companies in Nebraska for drivers with bad credit.


NEBRASKA CAR INSURANCE PREMIUMS WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit
Allied$1,491
Farmers Mutual of Nebraska$1,534
Nationwide$1,555
American Family$1,964
Farm Bureau$2,143

If you're having a hard time finding auto insurance with a bad credit history, remember these tips:

  1. Get auto insurance quotes
  2. Be smart with your claims
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.