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Nebraska Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Nebraska?

On average, car insurance rates for drivers in Nebraska are $199 per month, and $2389 per year. The average rates make Nebraska the 29th most expensive state in the country for car insurance rates and 12% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $19950%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Nebraska Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Nebraska and has selected the following providers and quotes as the best rates for drivers in Nebraska.

Cheapest CompaniesQuotes
Progressive$28
State Farm$33
Allstate$42
Nationwide$86
Travelers$88

Nebraska Car Insurance Rates by City

For drivers in Nebraska, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Nebraska.

CityAvg. Monthly Rate
Bellevue$187
Elkhorn$177
Fremont$156
Grand Island$155
Kearney$145
Lincoln$167
North Platte$151
Omaha$195
Papillion$177
Scottsbluff$146

What Is the Average Cost of Car Insurance in Nebraska by Age?

As is the case in most states, Nebraska’s teenagers pay the most for car insurance—a steep $364 per month, to be exact. Luckily, prices will trend closer to the state average once you reach your 20s, with this age group paying $230 per month.

Average rates fall comfortably below the state average for drivers in their 30s and beyond. And the oldest drivers in Nebraska actually pay the least for car insurance: $108 per month, which is almost half the state average.

AgeAvg. Monthly Rate
Teens$364
20s$230
30s$157
40s$179
50s$157
60s$134
70s$136
>80s$108

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What Is the Average Cost of Car Insurance in Nebraska by Gender?

Men pay $15 more for car insurance than women do, on average. If you’re a man, you’ll likely pay above the state average at $207, while the average woman will pay under the state average.

GenderAvg. Monthly Rate
Male$207
Female$192

Does Marital Status Influence the Average Cost of Car Insurance in Nebraska?

In Nebraska, getting married will help you save an average of $19 on car insurance. While this isn’t a massive difference in price, it’s still a solid amount to save on car insurance. Single drivers pay $203 per month on average, which is just $4 above the state’s average monthly price for car insurance.

Marital StatusAvg. Monthly Rate
Married$184
Single$203

What Are the Minimum Car Insurance Requirements in Nebraska?

Nebraska requires a fairly standard amount of car insurance: $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident. Nebraskans also cannot waive their uninsured/underinsured insurance, so they must have a minimum of $25,000 in coverage per person and $50,000 per accident in the event that they’re involved in an accident with an uninsured driver or a driver who has low policy limits.

nebraska

How Does Credit History Affect Nebraska Car Insurance Rates?

Nebraska allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, drivers with an excellent credit history actually pay the same amount, on average, as those with a poor credit history ($182 per month). Drivers with an average or good credit history pay even more for car insurance, at $200 per month and $193 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$182
Average$200
Good$193
Excellent$182

What Is the Average Cost of Car Insurance in Nebraska for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Nebraska will pay $19 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $38. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$186
At-Fault Accident$223
Speeding$204

Tips for Researching Nebraska Car Insurance Rates

When it comes to car insurance rates, you never quite know what you’re going to get. Prices fluctuate wildly between companies, based on a whole host of factors. With many trusted carriers offering their services in Nebraska, drivers will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Nebraska Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Nebraska. 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.

  • The way to find the carrier with the best auto insurance ratings in Nebraska and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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