Cheap Car Insurance In Nebraska For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 17, 2022 | 2 MIN READ

It’s possible to find cheap car insurance in Nebraska. Annually, you should expect to pay $1,184, which is 17% less than the national average. Many factors come into play in determining your auto insurance cost in Nebraska. Below we’re walking you through everything you need to know to make an informed decision.

Best Nebraska Car Insurance Companies

Affordable car insurance in Nebraska is possible. Whether you’re looking for excellent customer service or affordable rates, we have great options. 

Cheapest Nebraska Car Insurance Company

The cheapest Nebraska auto insurance for full coverage is Nationwide. It costs $1,210 yearly or $100 monthly. The cheapest car insurance for teens is with USAA, but it’s only available for military members. Farmers offer the most affordable insurance if you have a DUI on your record.

Company With the Best Customer Service

USAA always tops the list for best customer service in J.D. Powers’ 2021 U.S. Auto Insurance Study. The upside is that they score 897 out of 1,000. The downside is it’s only available for military members and their families. Shelter Insurance is next in line for best customer service, scoring 856.

Company With the Best Premium-Reducing Programs

The cheapest car insurance in Nebraska is Farm Bureau, at $336 per year for minimum coverage. That’s 39% cheaper than Nebraska’s average cost of minimum liability coverage.

Company With the Best Discounts

GEICO is well-known for having lots of discounts available. They aren’t the cheapest car insurance in Nebraska at $1,227 yearly, but they offer many discounts to help lower the cost of Nebraska car insurance. 

Nebraska Insurance Demographics

Specific demographics are taken into consideration when determining car insurance rates. Below are some of the demographics used by insurers. 

  • Crime Rates: In Nebraska, the property crime rate decreased from 20.5 per 1,000 to 19.1.
  • Average Household Income: The average household income is $82,306. The median household income is $63,015.
  • Median Age Range: The median age range is 36.8 years of age. 
  • Education: About 26% of Nebraska residents over 25 had a high school diploma as their highest level of education. Roughly 22% of residents had a bachelor’s degree or higher.

Common Risk Factors In Nebraska

Common risk factors in Nebraska that increase car insurance rates:

  • Reckless driving
  • At-fault accidents
  • Racing
  • DUI
  • Speeding
  • Property damage
  • Distracted driving

Auto Insurance Laws In Nebraska

It’s illegal to drive in Nebraska without insurance, and you must carry a policy that meets the state minimum requirement of 25/50/25. Failure to comply with state laws leads to suspensions, fines, penalties, and even imprisonment.

What are the minimum car insurance requirements in Nebraska?

The minimum liability requirements in Nebraska are:

  • $25,000 liability coverage for property damage per accident
  • $25,000 liability coverage for bodily injury or death per person
  • $50,000 liability coverage for total bodily injury or death per accident

Am I required to carry uninsured motorist coverage in Nebraska?

Yes, you must maintain uninsured and underinsured motorist coverage of at least $25,000 for bodily injuries per person and $50,000 per accident.

Nebraska SR-22 policies

If you’ve had a DUI or another major conviction, you’re legally required to obtain an SR-22. It’s a form issued by your insurance company to make sure that you’re insured.

Is Nebraska a no-fault state?

Nebraska isn’t a no-fault state. This means whichever driver is considered at fault is financially responsible for medical payments and property damage to the other party.

What happens if my vehicle isn’t properly insured in Nebraska?

Failure to present car insurance in Nebraska results in the following:

  • Suspension of license
  • Reinstatement fee of $50

You face longer suspensions and jail time if it’s a second offense.

Does Nebraska accept digital insurance cards?

Proof of insurance may be displayed on an electronic device.

How Much Does Car Insurance In Nebraska Cost?

The cost of insurance varies depending on a variety of factors. The rates change depending on your insurer, where you live, gender, age, credit score, and driving record. 

Average Cost of Car Insurance By City

Not only does the state you live in impact your insurance, but the exact city and zip code influence it. Below are some examples of the differences in rates depending on your city.

CityAverage Nebraska Car Insurance Cost
Bellevue$1,475
Grand Island$1,415
Kearny$1,445
Lincoln$1,335
Omaha$1,600

Average Cost of Car Insurance By Company

Your insurer determines the cost of your insurance. Not all insurers are created equal and have different policies and rates. 

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
Allstate$2,415
MetLife$2.040
Nationwide$1,000
State Farm$1,440

Average Cost of Car Insurance By Age

Your age is a huge factor in determining your rates. The older and more experienced a driver you are, the cheaper your rates. Younger drivers typically pay more for car insurance in Nebraska. 

AgeAverage Full-Coverage Premium (Annually)
Age 16$1,627
Age 18$4,448
Age 20$3,401
Age 25$1,837
Age 30$1,626
Age 40$1,555
Age 50$1,384
Age 60$1,319
Age 70$1,383

Average Cost of Car Insurance By Gender

Nebraska doesn’t allow insurers to use gender to impact car insurance rates. Gender doesn’t play a role in how much your insurance.

GenderAverage Full-Coverage Premium (Annually)
Male$1,180
Female$1,180

Average Cost of Car Insurance By Credit Score

Insurers use credit scores to get an idea of a customer’s reliability. Historical data shows that drivers with excellent credit are less likely to file insurance claims. A driver with an unblemished record saves $1.014 yearly on car insurance in Nebraska.

Credit ScoreAverage Premium (Annually)
Poor$2,050
Fair$1,720
Good$1,435
Very Good$1,225
Great$1.035

Average Cost of Car Insurance By Driving Record

Your driving record has a significant impact on your auto insurance in Nebraska. A good driver always gets better rates than a poor driver. 

Driving IncidentAverage Full-Coverage Premium (Annually)% Increase In Average Full-Coverage Premium
Speeding Ticket$1,77018%
Accident$2,25549%
DUI$2,75583%

What Optional Nebraska Auto Insurance Coverages Should You Consider?

Nebraska car insurance has the following optional coverages available:

  • Roadside assistance
  • Medical payments
  • Underinsured motorist bodily injured
  • Collision
  • Rental car reimbursement
  • Loan/lease payoff
  • Limited collision
  • Optional bodily injury
  • Comprehensive

What Auto Insurance Discounts To Look For In Nebraska

There are many different discounts available for auto insurance in Nebraska. Discounts vary depending on the car you drive, your driving record, and your chosen insurer. Some deals include policy bundling, low mileage, driver education, good driver, multi-car, and new driver discounts.

FAQs

Is car insurance required in Nebraska?

To drive a motor vehicle in Nebraska, you must have at least the minimum car insurance. 

What is the minimum car insurance coverage in Nebraska?

The minimum liability requirements in Nebraska are:

  • $25,000 liability coverage for property damage per accident
  • $25,000 liability coverage for bodily injury or death per person
  • $50,000 liability coverage for total bodily injury or death per accident

Does insurance follow the car or the driver in Nebraska?

In Nebraska, auto insurance policies follow the car. Your insurer covers bodily injuries and property damage even if you’re not the one driving your car when an accident happens.

Can you get insurance without a license in Nebraska?

Yes, getting car insurance in Nebraska without a license is possible. However, not all insurers offer policies to those who don’t have a license.

How long do you have to get insurance on a new car in Nebraska?

Most insurers offer a 7 to 30-day grace period if you purchase a new vehicle.

How To Purchase Cheap Car Insurance In Nebraska

Purchasing car insurance in Nebraska is a simple process. Use our online quote form to compare rates and choose the best policy.