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Cheap DUI Car Insurance in Nebraska (With Quotes)

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Nebraska (2022)

For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.

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 a DUI in Nebraska.

DUI Car Insurance Costs in Nebraska

In Nebraska, a DUI or DWI offense will on average have drivers paying $335 per month and $4,020 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 80% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$186
Avg. Monthly Cost - After DUI
$335
$149 ▴
80.11% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Nebraska?

A DUI charge will have a negative impact on your life for some time. It will be a mark on your driving record; it might affect your ability to get a job (or cost you your current one); and from a financial standpoint, a lot of your money will go toward fines, legal fees, and a higher car insurance premium.

Maintaining a clean driving record is a good way to keep your car insurance rates low. In Nebraska, drivers without a DUI pay $148.52 less a month on their car insurance than those with a conviction. One lapse in judgment could raise your insurance costs almost 80 percent, to $334.52 a month. Hopefully this significant rate hike will make you think twice about getting behind the wheel after you've been drinking.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$186$33580.11%

What Are the Average Car Insurance Prices After a DUI in Nebraska?

Your individual circumstances will dictate your car insurance rate after a DUI. However, most Nebraska drivers with a DUI on their record pay $334.52 a month to remain insured.This makes Nebraska the 35th most expensive state for car insurance after a DUI.

Choosing car insurance is a big decision for someone with a clean driving record. Having a DUI charge makes the decision an even bigger one. Take your time when comparing insurance companies' prices. Also, be sure to see what other insurance products they cover and what types of discounts you might be eligible for. Insuring your vehicle after a DUI will be expensive—every dollar you can save helps.

Nebraska After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$33535th

How Long Is the Lookback Period for a DUI in Nebraska?

A lookback period is how long a DUI remains on a driver's record. Nebraska's DUI lookback period is 15 years. That means if you were charged with another DUI within 15 years of the first one, it would be deemed a second offense and result in a harsher penalty. One the other hand, if a subsequent DUI came after the lookback period expired, it would be considered a first offense. Car insurance companies typically only look back three to five years regarding your DUI when determining your premium price.

Hopefully, you'll never have to deal with the fallout from a subsequent DUI. The first is damaging enough to your life and wallet. Maintain a clean driving record after your DUI charge to keep your insurance rates from increasing too much higher. Over time, your insurance premium should decrease as long as you avoid any more traffic violations.

Nebraska DUI Penalties

First-time offenders typically face 7–60 days in jail, a $500 fine, and a six-month license revocation (one year if BAC is .15 or more) and could be eligible for an ignition interlock permit rather than having their vehicle(s) immobilized.
Nebraska DUI penalties for underage drivers are similar to what an adult DUI offender would face. The underage driver could also face criminal penalties if they're convicted in court and go through an alcohol assessment and treatment. Probationary penalties for underage, first-time DUI offenders include up to 60 days in jail with a minimum of two days or 120 hours of community service (if BAC is .15 or more), a $500 fine, license revocation of 60 days to a year, and alcohol assessment and treatment.

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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.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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