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Cheap Auto Insurance Quotes in Nebraska (January 2022)
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Last Updated: January 2022
From Tree-Planters to Cornhuskers, All Nebraskans Can Save on Car Insurance
With population growth down across the country, it may surprise some coastal folks to know tha Nebraska is growing—about as fast as California and much faster than New York. The state overall has a lot of promise, like low crime rates, low cost of living, and growing job opportunities. If you’re moving to the state or a lifetime Cornhusker, inexpensive insurance compared to the national average is in your future. Read on to learn the many ways to save big when it comes to buying car insurance in Nebraska.
Cheapest Car Insurance in Nebraska
Here are the cheapest companies in Nebraska for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Nebraska.
| Cheapest Companies | |
|---|---|
Progressive | $28/mo |
 State Farm | $33/mo |
 Allstate | $42/mo |
 Nationwide | $86/mo |
 Travelers | $88/mo |
Best Car Insurance in Nebraska
The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Nebraska. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $86/mo | |
 American Family | $141/mo | |
State Farm | $33/mo | |
GEICO | $99/mo | |
Allstate | $42/mo | |
 Liberty Mutual | $144/mo | |
Progressive | $28/mo | |
Travelers | $88/mo |
Car Insurance in Nebraska
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Nebraska to find you the cheapest quotes in each of these metropolitan areas.
Omaha is Nebraska's most populous city. Omaha drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.
Quotes by Top Companies
Quotes ($/mo)
$67
$82
$98
$107
$147
$198
$233
AllstateState FarmProgressiveTravelersNationwideAmerican FamilyThe General
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Omaha |  Allstate | $67/mo |
| Lincoln | Progressive | $28/mo |
| Bellevue | Progressive | $36/mo |
| Grand Island | Progressive | $33/mo |
| Kearney |  Clearcover | $110/mo |
| Fremont |  State Farm | $53/mo |
| Hastings | State Farm | $43/mo |
| Norfolk | Progressive | $31/mo |
| North Platte | Progressive | $35/mo |
| Papillion | Progressive | $33/mo |
| Columbus | Progressive | $29/mo |
| La Vista | Progressive | $33/mo |
| Scottsbluff |  Liberty Mutual | $120/mo |
| South Sioux City | Progressive | $34/mo |
| Beatrice | Progressive | $32/mo |
| Lexington | State Farm | $37/mo |
| Alliance | Progressive | $30/mo |
| Gering | Progressive | $33/mo |
| Blair | Progressive | $34/mo |
| York | Progressive | $30/mo |
Cheapest Liability Auto Insurance in Nebraska
For drivers in Nebraska, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Nebraska. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Nebraska.
| Cheapest companies | |
|---|---|
Travelers | $63/mo |
 Midvale Home & Auto | $91/mo |
 Safeco | $93/mo |
 Clearcover | $93/mo |
Liberty Mutual | $115/mo |
Cheapest Full Coverage Auto Insurance in Nebraska
For drivers in Nebraska, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Nebraska. The following are the best insurance rates from carriers that offer full coverage auto insurance in Nebraska.
| Cheapest companies | |
|---|---|
Travelers | $119/mo |
Clearcover | $158/mo |
Midvale Home & Auto | $158/mo |
Nationwide | $164/mo |
Safeco | $176/mo |
Nebraska Driving Facts
Minimum Car Insurance Requirements in NE
Minimum car insurance laws are as varied as the U.S. states. With each state enforcing different rules and regulations, it can be confusing to know what’s required from what’s recommended from what’s only going to make your premium more expensive. Let us help you with that.
In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
- $25,000/$50,000 uninsured and underinsured motorist bodily injury protection
Uninsured and underinsured motorist coverage cannot be waived. Its minimums can be increased for drivers with families or those looking for added peace of mind. For increases, drivers typically need to notify their insurance company in writing.
Cheapest Car Insurance Quotes in Nebraska by Profile
Here are the cheapest insurance companies in Nebraska based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Nebraska drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Nebraska, at $28 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $28/mo |
State Farm | $33/mo |
Allstate | $42/mo |
Nationwide | $86/mo |
Travelers | $88/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
EMC Insurance | $20/mo |
American National | $23/mo |
State Farm | $32/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
American National | $19/mo |
EMC Insurance | $19/mo |
Auto Owners | $28/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
American National | $17/mo |
EMC Insurance | $20/mo |
USAA | $24/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Nebraska, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. American National offers the cheapest car insurance rates for young drivers, averaging $14 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Nebraska 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Nebraskans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
American National | $14/mo |
USAA | $19/mo |
EMC Insurance | $20/mo |
SR-22 Insurance in Nebraska
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Nebraska on your behalf.
NE DMV Information
If you’re moving to Nebraska, there are a few things you’ll need to know. You’ll have 60 days to surrender your out-of-state license and exchange it for a Nebraska license. While you cannot do this online, you can set an appointment online for completing these errands. On another positive note, you won’t be required to take a driving test so long as you have your license and it hasn’t expired longer than one year ago.
Within 30 days, you will need to retitle and register your vehicle, the fees for which vary. This can be done easily through the mail. You won’t be required to get an emission test, but you will be required to get a vehicle inspection at the cost of $10. Lastly, you’ll be required to provide proof of liability insurance.
Once you’ve transferred your title and license, you will be able to do many things through the online system. This includes:
- Change of address
- License and registration renewal or replacement
- Pay tickets
- Apply for permits
- Access your driving record
For more detailed rates on specific personas and driving histories, use our Nebraska insurance rate resources.
Insurify Insights: How Nebraska Drivers Measure Up
Moving Violations Rank
Nebraska
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Nebraska drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Nebraska
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. Among all fifty states, Nebraska drivers rank 1 in the number of car accidents per driver.
- Rank of States: #1
- Percent of drivers in Nebraska with an accident: 13.49%
- Drivers in NE with an accident in their driving history paid on average 47.26% more than drivers with a clean record
Speeding in Nebraska
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Nebraska drivers rank 8 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #8
- Percent of drivers in Nebraska with a speeding ticket: 12.97%
- Drivers in NE with a speeding ticket in their driving history paid on average 40.41% more than drivers with a clean record
DUI/DWIs in Nebraska
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nebraska drivers rank 3 in the number of DUI’s per driver across all fifty states.
- Rank of States: #3
- Percent of drivers in Nebraska with a DUI: 4.15%
- Drivers in NE with a DUI in their driving history paid on average 21.92% more than drivers with a clean record
Most Popular Vehicle in Nebraska
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Nebraska is the Ford F-Series Pickup.
Rude in Nebraska
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Nebraska drivers rank 5 in rude driving infractions.
- Rank of States: #5
- Percent of drivers in Nebraska with a reckless driving violation: 3.07%
- Drivers in NE with a reckless driving violation in their driving history paid on average 49.32% more than drivers with a clean record.
Safest Drivers in Nebraska
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Nebraska drivers rank 49 in clean driving records across all fifty states.
- Rank of States: #49
- Percent of drivers in Nebraska with clean record: 74.31%
Street Racing in Nebraska
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Nebraska drivers rank 7 in street racing violations per driver.
- Rank of States: #7
- Percent of drivers in Nebraska with a street racing violation: 0.02%
Failure to Yield the Right of Way in Nebraska
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nebraska drivers rank 6 in failure to yield violations per driver across all fifty states.
- Rank of States: #6
- Percent of drivers in Nebraska with a failure to yield violation: 0.79%
- Drivers in NE with a failure to yield violation in their driving history paid on average 47.95% more than drivers with a clean record
Reckless Drivers in Nebraska
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. Among all fifty states, Nebraska drivers rank 4 in the number of reckless driving offenses per driver.
- Rank of States: #4
- Percent of drivers in Nebraska with a reckless driving offense: 0.34%
Hybrid/Electric Vehicle Ownership in Nebraska
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Nebraska drivers rank 38 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #38
- Percent of drivers in Nebraska with a hybrid/electric vehicle: 0.61%
Greenest Cities in Nebraska
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Nebraska offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.
Lincoln
% of Hybrids / Electrics
1%
Most Patriotic City
Lincoln
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Bellevue won Insurify's Most Patriotic Cities Award for the state of Nebraska. Bellevue is widely purported to be Nebraska's oldest city, and is adjacent to Offutt Air Force Base.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Nebraska is vital for all car insurance shoppers hitting the road in The Cornhusker State.
Road Rankings
8%Rural Roads in
Poor Condition
#20
Ranked
16%Structurally Deficient
Rural Bridges
#4
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#20
Ranked
FAQs - Nebraska Car Insurance
What’s the cheapest car insurance in Nebraska?
It depends. What is cheaper for you may not be cheaper for your neighbor next door, even if you drive the same vehicle. This is because many factors influence the price you pay, including: -Driving history -Credit score -Marital status -Profession -Additionally, eligibility for discounts will be different for each driver. Be sure to research what discounts are available to you.
How do I find affordable car insurance in Nebraska?
There are three easy steps to buying affordable car insurance no matter who you are. First: begin with what you need. Your situation may call for higher-than-minimum coverage limits, collision coverage, or other riders to protect you from loss. It’s important to be honest about what you can reasonably afford should you cause an accident or damage your vehicle. For example, for people with older vehicles, replacing the vehicle without insurance may be less expensive than paying for coverage. Second: make a list of all your eligible discounts. Some are more lucrative than others, and it is usually in your best interest to choose a company that offers you the most lucrative discounts. Finally: shop around and shop often, at least every six months. Prices vary greatly company to company, and what’s cheapest now may not be the cheapest option for long. Seeing as switching your car insurance company is easy and typically won’t incur any added fees, it's a good idea to keep your eye out for new deals.
What’s the best cheap car insurance in Nebraska?
Just as the cost of premiums can be vastly different between neighbors, so can needs and preferences. For example, one driver may prefer to have a user-friendly mobile application to access insurance information. This driver is likely willing to pay a little more to have that app over a driver who doesn’t need one. On the other hand, a driver who likes to meet with an insurance agent in person would be willing to pay a little more for that level of service. The key is to know what’s right for you and make your decision based on your preferences and budget.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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