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Nebraska Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Nebraska (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Nebraska.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $113 |
| American Family Insurance | $182 |
| Safeco Insurance | $184 |
| Nationwide | $195 |
| Midvale Home & Auto | $203 |
| Clearcover Inc | $205 |
| Liberty Mutual | $212 |
| Dairyland Insurance | $238 |
| The General | $281 |
What Makes a Driver High-Risk in Nebraska?
When a car insurance company takes on a new customer, they ask a simple question: Does this customer have a high chance of filing a claim? If you have a driving record that includes certain concerning mistakes, like a DUI or speeding ticket, you might be considered likely to file a claim—and may face higher insurance rates.
In Nebraska, mistakes behind the wheel come with consequences. At-fault accidents, DUIs, speeding tickets, and reckless driving are just a few of the ways you can become a "high-risk driver." Fortunately, Nebraska has a diverse range of car insurance options, which means you can still find a fair rate even if providers deem you high-risk.
Nebraska Car Insurance Rates for High-Risk Drivers
No Violation$178
Reckless Driving$200
Speeding Ticket$216
At-Fault Accident$238
Failure to Stop$244
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Nebraska?
When you're on the road, you always want to be careful and avoid high-risk driving behaviors. After all, earning yourself a speeding ticket is a one-time mistake that can lead to years of higher car insurance rates.
According to data regarding high-risk driving, Nebraska drivers with a speeding ticket can see their rates go up by over 20 percent. Here is how some high-risk driving charges can affect your car insurance rates in Nebraska:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $178 |
| Speeding Ticket | $216 |
| At-Fault Accident | $238 |
| Reckless Driving | $200 |
| Failure to Stop | $244 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Nebraska?
Going too fast on the roads of Nebraska can result in a speeding ticket, add points to your driving record, and increase your monthly insurance premium by nearly $40. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$216
$38 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Nebraska?
It's just a reality of the roads: accidents happen. And when you find yourself at fault in an accident in Nebraska, you could see your car insurance rates increase by $60 a month on average. Here are the rates you can expect in Nebraska after an at-fault accident:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$238
$60 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Nebraska?
When you roll through a red light or stop sign in Nebraska, you might want to brace yourself for some steeper insurance rates. While this infraction could lead to a rate increase of nearly $66 per month, you can still find an affordable policy if you do your research. Here are typical rates for Nebraskans with this kind of offense on their record:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$244
$66 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Nebraska?
When a car insurance company takes on a new customer, they ask a simple question: Does this customer have a high chance of filing a claim? If you have a driving record that includes certain concerning mistakes, like a DUI or speeding ticket, you might be considered likely to file a claim—and may face higher insurance rates.
In Nebraska, mistakes behind the wheel come with consequences. At-fault accidents, DUIs, speeding tickets, and reckless driving are just a few of the ways you can become a "high-risk driver." Fortunately, Nebraska has a diverse range of car insurance options, which means you can still find a fair rate even if providers deem you high-risk.
Tips for Researching High-Risk Nebraska Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Nebraska draws a wide variety of choices when factoring high-risk driving insurance rates.
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
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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