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Cheap Car Insurance in Nebraska (With Quotes, August 2022)

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Maria Sanchez

By: Maria Sanchez

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated July 5, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Nebraska

If you want to check out universities in Nebraska’s capital, Lincoln, or maybe explore the Durham Museum in Omaha, make sure you have the insurance coverage you need to get around this massive state safely. Right in the heart of the U.S., this expanse of land captures the prairies of the Great Plains, stunning rock formations, dunes of Sand Hills, and more.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Quick Facts

  • The average cost of car insurance in Nebraska is $199 per month, or $2,388 annually.
  • Travelers is the cheapest provider we found in Nebraska, with average premiums of $107 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Cheapest Car Insurance in Nebraska

How much is car insurance in Nebraska?

The average cost of car insurance in Nebraska is $199 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Looking for affordable car insurance? The state average of $199 per month is slightly higher than the national average, but there are lots of ways to save. The easiest way to get the best rates on Nebraska auto insurance is to shop around first and compare policies. With Insurify, you can get deals on the cheapest auto insurance in just a few minutes and all for free.

Car Insurance CompanyAverage Monthly Quote
Travelers$107
Progressive$116
Clearcover$132
Midvale Home & Auto$142
Stillwater$146
Safeco$161
Nationwide$171
Safeco$185
Liberty Mutual$206
Bristol West$245
Dairyland$286
The General$298
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Nebraska

Your auto insurance policy can be customized to fit your specific needs. If you’re prone to car accidents, you might want to consider purchasing more liability car insurance than is required. This specific type of policy helps when you’re responsible for bodily injury liability or property damage liability; it keeps you from paying out of pocket for medical bills or other expenses.

Car Insurance CompanyAverage Monthly Quote
Stillwater$70
Progressive$80
Safeco$90
Midvale Home & Auto$91
Clearcover$96
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Nebraska

If you need more than liability coverage, consider full-coverage car insurance. Going beyond minimum coverage limits, this type of policy offers a wider scope of protection. Nebraska drivers with full coverage can drive with more peace of mind knowing they have collision coverage, comprehensive coverage, and more add-ons that go beyond the state minimum requirements.

Car Insurance CompanyAverage Monthly Quote
Travelers$120
Stillwater$149
Progressive$150
Midvale Home & Auto$160
Clearcover$162
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Best Car Insurance in Nebraska

If your insurance options aren’t ruled by expenses, you might consider some highly ranked car insurance companies that cost a bit more than the lowest rates. Keep in mind that these are just average rates, and you might end up paying more or less than what’s stated here for your insurance policy. Either way, you can rest easy knowing you’re getting great quality coverage.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$132
Nationwide89$171
Safeco86$161
Liberty Mutual82$174
Travelers80$107
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify. Our methodology weighs multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Nebraska Car Insurance Rates by Driving and Accident History

While there are a number of factors that impact auto insurance rates and how much each person pays for their policy, one of the most significant is their unique driving record. Claims, collisions, and car accidents all impact your driving history and can cause rates to skyrocket. To insurance providers, these can all indicate that you may be more expensive for them to insure.

For example, teen drivers are typically very expensive to insure because insurance companies see them as much more likely to get into accidents. Even without any car accidents in their driving history, their limited experience on the road puts them at higher risk. Talk to an insurance agent to see what your options are if you have a driving history full of claims and collisions.

See More: High-Risk Car Insurance Nebraska

Cheap Car Insurance for Good Drivers in Nebraska

Nebraska drivers with clean driving records usually get cheaper rates. A “good driver” typically is someone without many driving violations. This can look like being free of speeding tickets, not being responsible for at-fault accidents, never getting a DUI, and more. Most insurers reward drivers with discounts if they have gone claims-free for a certain number of years.

Car Insurance CompanyAverage Monthly Quote
Travelers$98
Progressive$105
Clearcover$117
Midvale Home & Auto$119
Stillwater$130
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Nebraska

Getting caught driving under the influence, or with a DUI, can really hurt your driving record. On top of court fines and reinstatement fees, how much you pay for your insurance policy also suffers. One way to fix this and get discounts is by taking driving courses to reduce the charges. Be sure to ask an agent about insurance information and how you can reduce spikes in costs.

Car Insurance CompanyAverage Monthly Quote
Travelers$118
Progressive$122
Clearcover$139
Liberty Mutual$145
Midvale Home & Auto$152
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Nebraska

SR-22 Insurance in Nebraska

If you get a DUI, you may end up needing an SR-22. This form is usually required if your license has been suspended or revoked, and it helps prove that your auto insurance policy meets the minimum liability coverage required by the state or by a court order. Even though it is not a type of insurance, it is a legal requirement that ultimately helps you prove financial responsibility.

The insurance companies listed below offer SR-22 in Nebraska:

Cheap Car Insurance for Drivers with an At-Fault Accident in Nebraska

No matter how cautious you are, accidents happen. For this reason, be sure you’re not an uninsured motorist in the case of something unexpected. If you’re at fault for causing damage or a collision, this will likely cause your deductible or auto insurance rates to go up. If someone else is at fault, check that they have a policy or that you have uninsured motorist coverage.

Car Insurance CompanyAverage Monthly Quote
Travelers$120
Progressive$127
Stillwater$150
Clearcover$188
Nationwide$204
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Nebraska

Don’t let a need for speed turn into a need for a new insurance provider. Racking up speeding tickets can do some major damage to your driving record, especially if it happens repeatedly. The higher the number of miles per hour you go over the limit, the more points you add to your license. More points means more money, so keep an eye on the speed limit and stick to it.

Car Insurance CompanyAverage Monthly Quote
Travelers$133
Progressive$149
Clearcover$173
Stillwater$174
Midvale Home & Auto$181
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nebraska Car Insurance Rates by Credit Tier

Insurance companies take a number of factors into account when calculating auto insurance rates, and financial health is one of them. Some insurers use your credit score as an indicator to figure out the type of driver you are. For example, good credit can signal responsibility and respect for authority. Unfortunately for some, poor credit might mean the opposite, spiking rates.

Credit TierAverage Monthly Quote
Excellent$162
Good$173
Average$201
Poor$250
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nebraska Car Insurance Rates by Driver Age

While we can control speeding tickets and driving under the influence, age is one factor that’s completely out of our control that still, unfortunately, impacts how much you pay for your policy. Young drivers usually have very little experience behind the wheel, meaning they’re more prone to accidents and much more expensive to insure. Luckily, this dips once drivers reach their 20s.

Age GroupAverage Monthly Quote
Teenagers$347
Under 25$282
20s$220
30s$160
40s$165
50s$152
60s$130
70s$126
80+$126
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Nebraska Cities

Just as your financial history and unique driving record are important when determining how much you pay for your insurance policy, your ZIP code is also important. Car insurance costs in Nebraska can vary from city to city, depending on how risky your area is. For example, highly populated areas (like capital cities) might lead to more drivers and a higher chance of accidents.

CityAverage Monthly Quote
Omaha$200
Lincoln$169
Bellevue$190
Grand Island$156
Kearney$151
North Platte$155
Hastings$144
Norfolk$145
Fremont$155
Papillon$176
Scottsbluff$149
Nebraska City$143
Gretna$182
Blair$168
Alliance$148
Seward$142
Bennington$196
Falls City$113
Auburn$121
Schuyler$190
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nebraska Driving Facts

Every state has minimum insurance requirements, and Nebraska is no exception. Additionally, all drivers in Nebraska will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Nebraska.

Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorists
  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Nebraska DMV Information

The Nebraska Department of Motor Vehicles (DMV) allows state residents to access a variety of services, like renewing or replacing their driver’s license and/or identification card, paying traffic tickets, registering their vehicles, and more. A number of their services are completely free, like requesting a handicap parking permit and even taking a practice driver exam for standard cars.

Filling out applications is made easier through their online portal and lets you skip a trip to the DMV. Residents who are new to Nebraska must switch to a Nebraska license within 60 days of moving in order to access online services. This also includes registering their vehicles, paying the accompanying fees, getting a vehicle inspection, and providing proof of liability insurance.

Public Transportation in Nebraska

Lincoln, the state’s most populous city, offers public transportation to residents and visitors through the City of Lincoln Transportation and Utilities (LTU). StarTran is Lincoln’s bus system that connects areas of the city, from Monday to Saturday. Users can download the VANLNK microtransit phone app to book transportation in advance and plan their routes with StarTran.

Having access to public transportation can be incredibly helpful for those who do not have access to a car, do not have a license, or are unable to operate a vehicle. If you discover that your area doesn’t offer options for public transportation, you can also look into walking routes, getting a bike, rideshare opportunities, or transit options that can be reimbursed by employers.

How to Get the Cheapest Car Insurance in Nebraska

No matter your age, location, driving history, or credit score, there are still a ton of ways to save on your car insurance policy. The absolute easiest way to get the cheapest rate is by shopping around and comparing quotes before you commit to a policy. Insurify uses proven data tools to sift through millions of quotes to let you check rates side by side before buying one.

With more than 600 insurance companies in the market, it’s easy to feel overwhelmed when looking up average rates. You don’t need a big brand name like State Farm, Allstate, or USAA to get a quality policy. Let Insurify do all the work to find you a policy that you can trust, tailored to your individual needs, at a price you can afford. Safety shouldn’t mean breaking the bank!

Frequently Asked Questions: Cheap Car Insurance in Nebraska

  • Nebraska only requires liability car insurance for all drivers. This only covers the other car and/or that party’s drivers and passengers if you’re found responsible for an at-fault accident. In addition to liability coverage, the state also makes it mandatory for insurance companies to include uninsured motorist coverage in insurance policies. Be sure to check state minimums!

  • Getting an affordable car insurance policy is easy, no matter where you live! The best way to get started is by comparing quotes from different insurance companies. With more than 600 companies in the market and millions of quotes, let Insurify do all the hard work for you. Our tools sift through rates to provide you with side-by-side comparisons that you can choose from.

  • On average, car insurance in the state costs around $199 per month. A bit higher than the national monthly average of $140, note that this is just an average, and how much each person pays depends on their individual age, location, driving history, credit score, and more. There are plenty of ways to save, like shopping and comparing rates, looking for discounts, and more.

  • The best way to keep your car insurance costs low is by maintaining a clean driving record. We know that accidents happen—and encourage all drivers to have car insurance for this reason—but claims and accidents on your driving history can all contribute to high rates. If cost is a factor for you, consider taking driving classes or moving to a less-populated area.

  • No, PIP isn’t required in Nebraska, nor is it even an option. Instead of PIP, insurance companies in the state offer medical payments insurance, which can help cover hospital bills resulting from a car accident. Sometimes called “MedPay,” it is similar to PIP in that they both help take care of medical expenses, even if you cause the accident, but MedPay covers less than PIP.

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

#7

State with the Most Speeding Tickets Rank

#1

State with the Moving Violations Rank

#7

State with the Most DUIs Rank

#11

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 #5 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #5
    • Percent of drivers in Nebraska with an accident: 10.78%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nebraska is the #7 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #7
    • Percent of drivers in Nebraska with a DUI: 3.7%
  • 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 #3 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #3
    • Percent of drivers in Nebraska with a reckless driving offense: 0.3%
  • 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: 2.3%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Nebraska is the #7 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #7
    • Percent of drivers in Nebraska with a speeding ticket: 13.7%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nebraska is the #5 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #5
    • Percent of drivers in Nebraska with a failure to yield violation: 0.58%
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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Maria Sanchez
Maria Sanchez

Insurance Writer

Maria Sanchez is a personal finance writer specializing in auto, home, and renters insurance. With a special interest in educational content, Maria distills complex financial information to be more accessible to the greater public. She holds degrees from the University of Massachusetts and the London School of Economics.

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Sources

  1. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022