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.
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.
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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An agricultural state known for its cornfields, tourist attractions including an air and space museum, and the Reuben sandwich, Nebraska also has 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 $146 for liability insurance and $253 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’s average car insurance costs are 6% lower than the national average.
About 5% of all licensed drivers in Nebraska are teen drivers 19 years old and younger.[1]
Nebraska car insurance companies can use credit scores when underwriting policies.[2]
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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.
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
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.
$89/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++ rating from A.M. Best and has been in business for more than 165 years. Along with basic liability-only and full-coverage policies, named non-owner, new-car replacement, rideshare, and gap insurance are available.
Pros
Highest A.M. Best rating
Named non-owner insurance available
Cons
Rideshare insurance not available in Nebraska
Telematics app use could increase premiums
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
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.
$54/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.
$80/mo
Clearcover is a tech-focused company that allows you to edit your policy and make claims via an easy-to-use 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 seven minutes but states it pays most claims within a week.
Pros
Easy-to-use app for claim filing
Roadside assistance available
Cons
Limited optional coverages
No other insurance products available
The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.
BAYRON - July 23, 2023
Verified
I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.
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
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
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.
$72/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.
$126/mo
Midvale Home & Auto 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. Although the company doesn’t offer other insurance products like life insurance, its 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
No NAIC complaints in Nebraska
Cons
No other insurance products
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.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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 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.
A driver without a garage may want full-coverage car insurance for their vehicle if they’re concerned about weather-related damage. 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.[3]
Here are the cheapest Nebraska car insurance companies for full coverage.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
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]
Coverage
Minimum 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:
Collision
This coverage pays for physical damage when you collide with an object or another vehicle, even in an at-fault accident.
Comprehensive
This coverage pays for non-collision physical damage, like falling objects, weather events, theft, vandalism, fire, or hitting an animal.
Medical payments (MedPay)
MedPay covers the medical bills and funeral expenses for yourself, household members, and others in your vehicle.
Rental reimbursement
This pays for a temporary vehicle while yours is in the shop for covered repairs.
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.
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 may pay more money 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. Drivers with clean records typically have the lowest car insurance rates.
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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 sometimes raise your rates after getting a 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 Nebraska charges different fines based on how fast you were driving.
Here are the cheapest car insurance companies in Nebraska for drivers with a speeding ticket.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
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: Thursday, November 30 at 11:00 AM PST.
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.
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 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.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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 75. That’s because older adults are more likely to be involved in intersection, merging, and angle crashes. Their medications and physical, cognitive, or visual impairments may also increase crash risk.[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: Thursday, November 30 at 11:00 AM PST.
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.
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 10 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.
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: Thursday, November 30 at 11:00 AM PST.
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.
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. 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 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 score when underwriting your auto insurance policy.[2] Increasing your score or maintaining good credit will help you get the best rate.
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Nebraska car insurance quotes by credit tier
Nebraska allows insurers to use credit information when underwriting policies, which means your credit score can influence your car insurance rate.[2] Drivers with excellent or good credit scores 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 $146 a month for liability-only insurance and $253 a month for full coverage.
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.
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 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.
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.
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.
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.
Travelers
Clearcover
Midvale Home & Auto
