Nebraska Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

Compare Top Auto Insurance Companies

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