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

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.

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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.

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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.

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.

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.

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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.

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.

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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.

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.

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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.

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.

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.

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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.

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.

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.

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!