Best Cheap Auto Insurance in Nebraska (2024)

Nebraska drivers can find the cheapest car insurance through Auto-Owners, with liability rates as low as $24 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated April 15, 2024

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An agricultural state known for its cornfields, tourist attractions including an air and space museum, and the Reuben sandwich, Nebraska also has severe weather hazards like tornadoes and blizzards that may increase the rate of car accidents and raise average insurance rates. The average cost of car insurance in Nebraska is $89 for liability-only coverage and $213 for full coverage, which is near the national average rate.

Drivers in the Cornhusker State can find cheap car insurance by comparing quotes, maintaining a clean driving record, and qualifying for discounts.

Quick Facts
  • Nebraska had 244 fatal accidents in 2022 (the most recent data available), with the majority of them taking place in rural areas, according to Nebraska Department of Transportation data.

  • About 5% of all licensed drivers in Nebraska are teen drivers 19 years old and younger.[1]

  • Nebraska car insurance companies can consider credit history when underwriting policies.[2]

Best car insurance companies in Nebraska

Dozens of auto insurers offer policies to Nebraska drivers, including American Family, State Farm, Auto-Owners, and American National. But the best auto insurance policy for you will be the one that caters to your unique needs. 

For example, you may consider Clearcover for the lowest liability-only rates, Travelers for customizable coverage, or Midvale Home & Auto for bundling policies. Here’s how these insurers stand out.

Insurance CompanyBest ForAverage Monthly Quote: Full CoverageInsurify Quality (IQ) Score
TravelersFull coverage$${AUTO_CARRIER_TRAVELERS_FULL_STATE_NE_PRICE}4.3
ClearcoverMinimum coverage$763.2
Midvale Home & AutoBundling$125N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$198/mo

Whether you’re a single adult searching for the lowest rates or a parent who wants specific coverage for your teens, Travelers offers Nebraska drivers an opportunity to customize their policy extensively. Travelers has an A++ (Superior) financial strength rating from AM Best, the highest level possible. Along with basic liability-only and full-coverage policies, named non-owner, new-car replacement, rideshare, and gap insurance are available.

Pros
  • Highest AM Best rating

  • Named non-owner insurance available

Cons
  • Rideshare insurance not available in Nebraska

  • Usage-based telematics program could increase rates for policyholders with risky driving habits

Read our Travelers review
Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-time customer with a slight rate reduction

The premium is too much for what I need.

Best insurer for liability-only coverage: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.1
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo

Clearcover is a tech-focused company that allows you to edit your policy and make claims via an easy-to-use mobile app. Although it doesn’t offer extensive optional coverages, the ability to access roadside assistance from the app is a convenient perk. Clearcover also boasts a record claim-payout time of just seven minutes, but states its typical average claim processing time is "within a week."

Pros
  • Easy-to-use app for claim filing and policy management

  • Roadside assistance available

Cons
  • Limited optional coverages

  • Only sells car insurance, so no bundling discount available

Read our Clearcover review
Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Larry - February 9, 2024
Verified

Excellent

No problems.

Best insurer for bundling: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$125/mo

Midvale Home & Auto, a wholly owned subsidiary of American Family Insurance, has some of the lowest rates available in Nebraska for full-coverage policies. Drivers have the opportunity to save more if they bundle their auto insurance with either homeowners, renters, or condo insurance. Midvale's lack of complaints in the state through the National Association of Insurance Commissioners (NAIC) should give Nebraska drivers confidence in the company’s customer service and claims process.

Pros
  • Homeowners, renters, and condo insurance available for bundling opportunities

  • No NAIC complaints in Nebraska

Cons
  • No accident forgiveness coverage

  • Fewer discounts than some competitors

Cheapest liability-only car insurance in Nebraska

Liability-only car insurance is a minimum-coverage policy that meets the specific insurance requirements in Nebraska. Though it may change from state to state, minimum insurance usually includes bodily injury coverage, property damage coverage, and uninsured motorist coverage. Bodily injury and property damage coverage pay for medical expenses and damages you cause, not those you sustain.

Here are the cheapest liability-only insurance companies in Nebraska to start your search for affordable coverage.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Nebraska

Full-coverage car insurance goes beyond offering liability-only coverage to provide protection for the policyholder’s injuries and property damages. A full-coverage policy usually includes comprehensive and collision coverages. Comprehensive can help pay for damage from non-collision events, like severe weather.

An average of 52 tornadoes strike Nebraska each year; comprehensive insurance under a full-coverage policy typically covers the wind, rain, and impact damage these tornadoes cause to vehicles.[3]

Here are the cheapest Nebraska car insurance companies for full coverage.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Nebraska

The state requires all drivers to maintain proof of financial responsibility through an auto insurance policy with the following minimum coverage levels, according to the Nebraska Department of Motor Vehicles:[4] [5]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident
Uninsured motorist coverage
  • $25,000 per person
  • $50,000 per accident

Bodily injury coverage and property damage coverage are mandatory, though not the only coverages available. These additional coverage options provide more protection for you, your passengers, and your vehicle:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This coverage pays for physical damage when you collide with an object or another vehicle, even in an at-fault accident. Collision also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This coverage pays for non-collision physical damage, like falling objects, weather events, theft, vandalism, fire, or hitting an animal.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments (MedPay)

    MedPay covers the medical bills and funeral expenses for yourself, household members, and others in your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

    This pays for a temporary vehicle while yours is in the shop for covered repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing or emergency road service

    Also called roadside assistance coverage, this pays for the expenses of transporting your car to a repair shop or a service call for a flat tire or dead battery.

How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

Cheapest car insurance for drivers with an incident

Multiple factors in different driver profiles influence auto insurance rates, but if you want to receive the most competitive prices, it’s a good idea to keep your driving record free of incidents. Even good drivers can make costly mistakes, such as getting a DUI, being at fault in an auto accident, receiving a speeding ticket, or getting another moving violation citation.

For example, high-risk drivers typically pay significantly higher premiums because of a driving under the influence conviction on their records. Similarly, any insurance claims you file for at-fault accidents may also raise your rate, unless you have accident forgiveness coverage. Drivers with clean records typically have the lowest car insurance rates.

Find Car Insurance in Nebraska

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Cheapest car insurance for drivers with a speeding ticket

Speed is a factor in many fatal car accidents, which is why insurers typically raise your rates for three to five years after you get fa speeding ticket, even if you didn’t cause an accident.[6] Car insurance rate increases may vary based on how much you exceeded the speed limit, and fines differ based on how fast you were driving.

The average cost of car insurance after a speeding ticket in Nebraska is $302 per month for full coverage, and $148 for liability only. Here are the cheapest car insurance companies in Nebraska for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners5532
American Family7645
USAA8350
GEICO8751
Allstate9054
State Farm9254
Clearcover10769
Nationwide12675
Progressive13883
Farmers15592
Safeco16171
Shelter173104
AssuranceAmerica17997
Liberty Mutual257135
Dairyland288119
The General343132
Bristol West373164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

In the event of an accident, you’ll need to report it to your insurer. If you’re at fault, you should expect your rates to rise.[7] How much they increase depends on the severity of the accident and resulting damages and injuries, but you may be able to avoid a car insurance rate increase if you included accident forgiveness in your auto insurance policy.

The average cost of full-coverage car insurance in Nebraska following an at-fault accident is $312 per month. Liability-only coverage averages $152 per month. If you don’t have accident forgiveness, here are the cheapest Nebraska car insurance companies for drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners5834
American Family8048
USAA8853
GEICO9255
Allstate9657
State Farm9858
Clearcover12581
Nationwide13480
Progressive14789
Farmers16598
Safeco17276
Shelter183110
AssuranceAmerica187101
Liberty Mutual273144
Dairyland303126
The General365140
Bristol West390172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

More than 1,000 alcohol-related car crashes have occurred every year in Nebraska since 2011.[8] Drinking and driving increases the likelihood of an auto accident, and having a DUI on your driving record could cause your insurer to not renew or even cancel your auto insurance policy.[7] Nebraska may even require drivers with DUIs to purchase SR-22 insurance, which may make it difficult to find cheap car insurance from some insurers.

A DUI in Nebraska pushes the average monthly cost of car insurance to $355 for full coverage and $173 for minimum coverage. The following table shows average monthly quotes for Nebraska drivers with a DUI.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners6840
American Family9556
USAA10463
GEICO10965
Allstate11468
State Farm11870
Clearcover12681
Nationwide15895
Progressive168101
Shelter187112
Safeco18783
Farmers196116
AssuranceAmerica212114
Liberty Mutual302159
Dairyland352146
Foremost413169
The General420161
Bristol West463204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

While middle-aged drivers start paying lower rates around age 35, senior drivers should expect their car insurance quotes to increase slightly around age 70. Insurance industry data shows senior drivers have an increased risk of accidents due to age-related changes in vision, reflexes, and cognitive abilities.[9]

Despite these increased risks, senior drivers still see lower-than-average quotes from the following Nebraska insurance companies.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners2012
American Family2716
GEICO3320
USAA3320
State Farm3319
Allstate3621
Progressive4125
Nationwide4225
Shelter4929
Clearcover5737
Farmers5834
AssuranceAmerica6133
Safeco7031
Liberty Mutual9751
Dairyland11849
The General14957
Bristol West15066
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Motor vehicle crashes are the leading cause of unintentional injury-related death for Nebraskans 15 to 19 years old, which is why teen car insurance rates are higher than other age groups.[10] However, teen drivers can lower their monthly premiums in a few ways.

“Shop around and get quotes from different insurers; that will help you get a better deal,” says Michael DeLong, research and advocacy associate at the Consumer Federation of America. “Also, high school- or college-aged teens looking for cheaper auto insurance should consider taking a defensive driving course.”

Young drivers may also try staying on their parents’ policies, purchasing a car with high safety ratings, and qualifying for good student discounts to lower their rates. Drivers younger than 18 may have to stay on their parents' insurance since minors can't legally buy their own policies without the written consent of a parent or guardian.

The table below shows the cheapest average quotes for teen drivers and young adults in Nebraska.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners6739
American Family9657
GEICO10260
USAA10262
Allstate11971
State Farm12071
Clearcover13486
Nationwide16096
Progressive178108
Safeco19988
Shelter203122
Farmers203120
AssuranceAmerica242130
Liberty Mutual303160
Dairyland339141
The General397152
Foremost439180
Bristol West457201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Nebraska

Even if you don’t qualify for a policy from the cheapest car insurance companies, you can still get affordable car insurance. Consider these tips for getting the cheapest car insurance in Nebraska:

  • Ask about discounts. Contact an insurance agent and ask which money-saving discounts you might be eligible for. Common discounts include multi-vehicle, good student, and bundling (auto with home or renters coverage). You may qualify for discounts by belonging to specific professional associations, taking a defensive driving course, or having a vehicle with certain safety features.

  • Increase your deductible. You may be able to get lower rates if you raise your collision or comprehensive deductible. Just be sure you can afford the up-front cost if you file a claim.

  • Bundle policies and coverage. Whether you have multiple vehicles or another insurance product, like life insurance, homeowners insurance, or agricultural insurance, you may receive discounts for an insurance bundle.

  • Increase or maintain your credit. Nebraska car insurance companies can use your credit history when underwriting your auto insurance policy.[2] Increasing your score or maintaining good credit will help you get the best rate.

Find Car Insurance in Nebraska

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Nebraska car insurance quotes by credit tier

Nebraska allows insurers to use credit information to generate credit-based insurance scores. Insurers use credit-based insurance scores to estimate your likelihood of filing a claim. In this way, credit can factor into your car insurance rate.[2] Drivers with excellent or good credit typically get lower rates, while drivers with poor credit scores pay higher premiums.

In Nebraska, it’s illegal for an insurer to base your premiums solely on your credit score; plus, it’s only one of many factors influencing your rate.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Nebraska car insurance FAQs

Understanding how your rates can increase after an accident may help you keep a clean driving record and insurance premiums low. Here’s some additional information that may help as you’re researching your insurance coverage options in Nebraska.

  • How much is car insurance in Nebraska?

    The average cost of car insurance in Nebraska is $89 per month for liability-only insurance and $213 per month for full coverage. By comparison, the national averages are $104 and $213, respectively.

  • What are the best car insurance companies in Nebraska?

    Some of the best car insurance companies in Nebraska include Travelers, Clearcover, and Midvale Home & Auto. These insurers have comparatively low average rates, plenty of discounts, and solid Insurify Quality Scores. The best auto insurer for you will depend on your specific needs. Make sure you compare quotes with at least three different companies to find the best rate for the coverage you need.

  • Which companies have the cheapest car insurance in Nebraska?

    Auto-Owners is the cheapest insurer in Nebraska, with liability-only policies starting at $24 per month. Nebraska drivers can also find affordable coverage through the state's second- and third-cheapest insurers, American Family and USAA. Their liability-only rates start at $34 and $38, respectively.

  • Is it illegal to drive without insurance in Nebraska?

    Yes, it’s illegal to drive without insurance in Nebraska. If you fail to show proof of coverage, Nebraska may revoke your license, which you can only reinstate after paying a $50 fee and filing SR-22 insurance with the state.[11]

  • Does insurance follow the car or the driver in Nebraska?

    Insurance typically follows the car in Nebraska, as the state’s motor vehicle department requires all vehicles to have insurance coverage.

Insurify Insights

How Nebraska Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Nebraska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Nebraska drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Nebraska

#17

State with the Most Speeding Tickets Rank

#4

State with the Moving Violations Rank

#2

State with the Most DUIs Rank

#9

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Nebraska is the #3 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #3
    • Percent of drivers in Nebraska with an accident: 11.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nebraska is the #2 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #2
    • Percent of drivers in Nebraska with a DUI: 2.8%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Nebraska is the #5 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #5
    • Percent of drivers in Nebraska with a reckless driving offense: 2%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Nebraska is the #6 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #6
    • Percent of drivers in Nebraska with a rude driving violation: 2.5%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Nebraska is the #17 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #17
    • Percent of drivers in Nebraska with a speeding ticket: 9.8%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nebraska is the #2 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #2
    • Percent of drivers in Nebraska with a failure to yield violation: 0.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Nebraska Department of Transportation. "Teen Drivers."
  2. Nebraska Legislature. "Nebraska Revised Statute 44-7705."
  3. National Weather Service. "Nebraska Tornado Information."
  4. Nebraska Department of Insurance. "Auto Liability Insurance."
  5. Nebraska Legislature. "44-6408. Motor vehicle liability policy."
  6. Insurance Institute for Highway Safety. "Speed."
  7. III. "Do auto insurance premiums go up after a claim?."
  8. Nebraska Department of Insurance. "Nebraska Alcohol-Related Crashes."
  9. Insurance Institute for Highway Safety. "Older drivers."
  10. Nebraska Department of Health and Human Services. "Motor Vehicle Crashes Among Nebraska Youth."
  11. Nebraska Department of Motor Vehicles. "No Proof of Insurance Conviction."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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