UPDATED: MARCH 13, 2023 | 3 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.
Local and Regional Car Insurance Carriers In Nebraska
Farmers Mutual of Nebraska
Farmers Mutual of Nebraska is a long-standing regional insurance carrier for Nebraskan farmers and residents. The insurer offers auto insurance for cars, trucks, and various vehicle types.
Coverage options include liability, medical payments, collision comprehensive, and uninsured/underinsured motorists. The carrier works well with you to determine what coverages fit your needs and budget and provide good ways to save.
Farmers Mutual of Nebraska features several discount options, such as multi-car, multi-policy, secondary vehicle, driver training, and good students.
Allstate
Allstate’s car insurance protects vehicles throughout Nebraska, from its rural plains to cityscapes. Known for a range of coverages, quality customer service, and quick claim response, Allstate is one of the most trusted Nebraska insurers.
Its coverages include collision, comprehensive, liability, medical payments, and personal injury protection. Umbrella protection, roadside, rental car reimbursement, and uninsured/underinsured motorist coverage round out its offerings.
Allstate’s ways to save include discounts for new cars, multiple cars, policies, good students, full payments, and various vehicle equipment.
North Star Mutual
One of the fastest-growing insurers in the midwest, North Star Mutual’s auto insurance protects various vehicles, including passenger cars, vans, trucks, motor homes, classic cars, and motor homes.
Its offerings include liability protection, including property damage and bodily injury, medical payments, and personal injury protection.
Customized policies are easy with North Star Mutual, with the ability to add coverages such as collision, comprehensive, uninsured/underinsured motorists, and safety glass.
North Star Mutual’s cost-saving discounts help reduce premiums, with discounts for passive restraining, companion policies, and defensive driver training.
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
Driving in Nebraska without insurance is illegal, and you must carry a policy meeting 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 a Nebraska SR-22. It’s a form issued by your insurance company to ensure 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
- A 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.
| City | Average 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 Company | Average 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.
| Age | Average 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.
| Gender | Average 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 Score | Average 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 Incident | Average Full-Coverage Premium (Annually) | % Increase In Average Full-Coverage Premium |
|---|---|---|
| Speeding Ticket | $1,770 | 18% |
| Accident | $2,255 | 49% |
| DUI | $2,755 | 83% |
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.
