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Nebraska Car Insurance for Bad Credit Drivers
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Nebraska (2022)
For drivers with bad credit in Nebraska, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
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 car insurance for drivers with bad credit in Nebraska.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $111 |
| Stillwater | $145 |
| Midvale Home & Auto | $146 |
| American Family Insurance | $150 |
| Nationwide | $153 |
| Safeco Insurance | $154 |
| Clearcover Inc | $157 |
| Liberty Mutual | $166 |
| Dairyland Insurance | $183 |
| The General | $217 |
Bad Credit Car Insurance in Nebraska
Bad credit is something that plagues millions of Americans. If you live in Nebraska, bad credit could even have an impact on the car insurance rates you receive. While not the worst state to have bad credit in, Nebraska sees insurance carriers tack on about 11 percent to monthly premiums if you have bad credit.
One thing that plays a role in determining how much bad credit affects your rates is where you live in the state. Some communities are less stringent when it comes to credit history and offer affordable auto insurance options.
Nebraska Car Insurance Rates for Bad Credit Drivers
Excellent$168
Good$184
Average$188
Poor$203
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Nebraska?
In Nebraska, bad credit can significantly impact how much you pay each month for auto insurance. For example, a driver with a good credit rating will have premiums around $182 per month, while a motorist with bad credit will pay more than $200 for the same coverage.
This 11 percent increase in cost for coverage is about the average when compared to other states around the country. It also reflects the added risk that insurance providers take on when insuring drivers with poor credit.
Avg. Monthly Cost - for Drivers with Good Credit$182
Avg. Monthly Cost - for Drivers with Bad Credit$202
$20 ▴
10.99% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
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Can I Get Car Insurance With No Credit Check in Nebraska?
It is possible to get car insurance without a credit check in Nebraska, but it isn't often recommended or worth it. The average premium rates for a no-credit-check auto insurance policy tend to be much higher than for a policy you would get with bad credit.
The main reason for the increased price for these policies has to do with risk. By not knowing your credit history, providers are unable to tell how likely you are to pay your premiums on time. This in turn means that the insurance company has to assume more risk to offer you auto coverage.
Nebraska Car Insurance Rates by Credit Tier
What credit tier you are placed in can have a significant impact on how much you pay in monthly premiums. In fact, the difference between an excellent and poor rating in Nebraska can be as high as $35.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $168 |
| Good | $184 |
| Average | $188 |
| Poor | $203 |
Car Insurance Rates With Bad Credit in Nebraska Cities
In Nebraska, not all cities treat bad credit the same way. Some communities are a little more lenient when it comes to how bad credit affects insurance rates. For instance, the average for coverage in Lincoln is $173 per month, which is $36 lower than the average in cities such as Omaha.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Omaha | Poor | $209 |
| Lincoln | Poor | $174 |
Tips for Researching Bad Credit Nebraska Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Nebraska draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.
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
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.
Content Writer at Insurify
Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.
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