Cheap Nebraska Car Insurance Quotes
Compare and Buy Auto Insurance in NE for 2024
| Companies | Name | Quotes |
|---|---|---|
 |
State Farm | $52 /mo |
 |
The General Insurance | $65 /mo |
 |
GEICO | $108 /mo |
 |
Nationwide | $123 /mo |
How to Get Cheap Car Insurance in Nebraska?
Nebraska is at the 40th rank for average expenditure drivers make for auto insurance in the state. This implies that auto insurance in Nebraska is cheaper than in 39 states of the country. But still, it is not affordable for most of the drivers in the state and hence we need cheap auto insurance rates in Nebraska. Below is the list of some of the top companies in the state that provides affordable car insurance for Nebraska drivers:
Which are the Best Car Insurance Companies in NE?
There is a difference between cheap car insurance policies and the best car insurance policies. Cheap insurance policies might not include the best options for you and you might get limited options. On the other hand, a customized best policy will be generated based on the requirements. The cost of the best or good car insurance policy will be higher so you will have to check the quotations from different companies.
RateForce has the list of all the top auto insurance companies in Nebraska to help you get the best policies as per your requirements:
| Companies | Name | Quotes |
|---|---|---|
|
State Farm | $52 /mo |
|
The General Insurance | $65 /mo |
|
Geico Insurance | $108 /mo |
|
Nationwide | $123 /mo |
 |
Auto-Owners | $128 /mo |
How To Get Best Car Insurance Coverage in Nebraska?
Minimum Car Insurance Requirements in Nebraska
Now let’s talk about the rules, regulations, and requirements related to car insurance. Every state has its own minimum car insurance requirements that are mandatory to buy for every driver. If you want to drive or even park your vehicle on the road of your state then this insurance is required. The limits and coverage vary from state to state. Here are the minimum Nebraska auto insurance requirements for each driver of the state.
- Bodily Injury Liability(BIL) Coverage:
Bodily injury liability or BIL refers to the coverage you will get to pay for the medical expenses of the victim. If you have caused an accident and another driver or pedestrian got injured in it then you will be responsible for the medical expenses of the victims. Hence, if you are at fault in an accident then your insurance company will pay for the hospital bills.
$25,000 per person, this is for the case if only another driver was present in the car.
$50,000 per accident if there are other passengers that got injured in the other car. - Property Damage Liability(PDL) Coverage:
Another coverage is for the physical damage caused to the property of another person. It can be another car, shop, fence, or building. If your car hits another person’s property then your insurance company will be responsible to pay for the damages.
In Nebraska also the coverage limit for PDL is higher than in other states; it is $25,000 per accident. On the other hand, the average limit of PDL coverage is $15,000 in most of the states. - Uninsured/ Underinsured Motorist Coverage:
What if you get hit by another driver and that driver does not have enough insurance to cover all your expenses? Who will pay for the extra expense of medical bills or damage repair? This is when Uninsured/Underinsured motorist coverage comes into the picture. This is not mandatory in most states, but in some states like Nebraska, it is mandatory. The minimum state’s liability is $25,000 per person and $50,000 per accident.
Cheapest Minimum Liability Car Insurance Companies in Nebraska
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Nebraska:
- StateFarm: $52 per month
- American Family: $63 per month
- Progressive: $76 per month
- Nationwide: $84 per month
- Allstate: $91 per month
Cheap Basic Full Insurance Coverage in Nebraska
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in NE. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Nationwide: $152 per month
- StateFarm: $166 per month
- Auto Owners: $175 per month
- Progressive: $183 per month
- Allstate: $197 per month
Cheap Premium Full Insurance Coverage in Nebraska
Here is the list of top auto insurance carriers that provide the cheapest full coverage in NE. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Nationwide: $198 per month
- StateFarm: $217 per month
- Auto Owners: $234 per month
- Progressive: $249 per month
- Allstate: $261 per month
Additional Car Insurance Coverage in Nebraska:
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases. - Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs. - Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle. - Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses. - Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company. - Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car. - Personal Injury Protection (PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed.
Cheapest Car Insurance Quotes in Nebraska on Ticket Profile
We know that there are a lot of different factors that affect the car insurance cost for every driver in any state, city, or area of the country. Insurance companies create profiles of different drivers by using these factors or keeping these factors into consideration. Each driver will then be categorized into these profiles and their car insurance cost will be generated according to this ticket profile. Let’s have a look at the different types of ticket profiles we have in Nebraska for the drivers:
Cheap Car Insurance for Speeding Drivers in Nebraska
Speeding our vehicles over the limit can be thrilling but it is extremely dangerous for others as well. A small mistake can change the lives of several people. In 2022; almost 12,000 people died in road accidents because of a speeding vehicle. And that is why car insurance companies consider these drivers as risky.
Whenever a driver is caught speeding he or she gets some points on his or her driving record. These points will be decided by the officer based on the speed of the vehicle at the time you get caught. Now your insurance company will check these points and based on these points they will decide the premium for your policy. If you are looking for affordable car insurance for speeding drivers then here are some companies that you can try:
| Insurance Company | Quote |
|---|---|
| GEICO | $78 /mo |
| State Farm | $94 /mo |
| Farm Bureau | $102 /mo |
| Progressive | $125 /mo |
| American Family | $157 /mo |
| USAA | $95* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| Allstate | $182 /mo |
| State Farm | $210 /mo |
| Farmers Mutual | $248 /mo |
| Nationwide | $261 /mo |
| Auto-Owners | $304 /mo |
| Progressive | $325 /mo |
Cheap Nebraska Car Insurance Rates for Drivers with an At-Fault Accident
Getting into an accident is already bad and if you are at fault in that accident then it gets worse. Plus your car insurance rates will increase by 30-50 percent and some companies even increase it by 80 percent. Even if it was a small collision your premium will increase for sure.
In 2021, more than 220 people in Nebraska died due to traffic crashes. All the drivers that were involved in these accidents were declared as high-risk drivers. The best way At-fault drivers can get affordable car insurance rates is by getting quotes from different companies and comparing them. Hence we have the list of all the car insurance companies that provides cheap rates to the drivers with an at-fault accident on record:
Cheapest Car Insurance for Drivers with a DUI in Nebraska
Driving under the influence also known as DUI includes drugs, alcohol, or other elements that can mess with the brain of the driver. DUI drivers are considered as one of the riskiest drivers as they can put the lives of others in danger as well. As a result, insurance companies provide higher rates for the insurance policy for this category. DUI drivers can try for the fallout process to get away from the DUI profile.
But the process of filing the DUI is a bit time-consuming and can take weeks or months or even more. That is why most of the drivers avoid this process and decide to go for the higher premium rates option. DUI drivers find it almost impossible to get an affordable car insurance company. But our experts have created the list of most affordable companies for you:
| Insurance Company | Quote |
|---|---|
| State Farm | $140 /mo |
| American Family | $185 /mo |
| GEICO | $224 /mo |
| Progressive | $241 /mo |
| Nationwide | $265 /mo |
| USAA | $125* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| GEICO | $174 /mo |
| Progressive | $202 /mo |
| Allstate | $230 /mo |
| Farm Bureau | $265 /mo |
| American Family | $270 /mo |
Cheap Car Insurance for Young Drivers in NE
Do you know in 2018, almost 250 people died in road accidents that involved distracted teen drivers? Young drivers or popularly known as teen drivers are also considered risky by most insurance companies. And this is the reason why teen drivers get higher car insurance rates as compared to other ticket profiles.
There are some options for young drivers to get affordable car insurance rates like students discount and comparing quotes. With some deep research and analysis, these drivers can get quotations from different companies and compare them for the best price. Also, they can apply for a student’s discount if they have a grade point of B or higher. Below we have a list of all the top car insurance companies that provides affordable rates to young drivers:
Best Auto Insurance for Good Drivers in NE
If you have a clean driving record with good experience on the road then you can get affordable car insurance rates or even a discount on your present policy. Do you know why? Because drivers in this profile are considered as more reliable than any other drivers. The chances of filing a claim are lesser with good drivers.
By adding some other discounts clean drivers can get much lower rates and the difference can increase to many folds. All you need is the right company that can provide you the best rates. Here are some companies for the best Nebraska automobile insurance plan that provide cheap rates for good drivers:
| Insurance Company | Quote |
|---|---|
| GEICO | $55 /mo |
| Allstate | $63 /mo |
| Progressive | $69 /mo |
| IMT | $72 /mo |
| Auto-Owners | $77 /mo |
| Insurance Company | Quote |
|---|---|
| Allstate | $157 /mo |
| Farmers | $171 /mo |
| Nationwide | $195 /mo |
| GEICO | $218 /mo |
| North Star | $235 /mo |
| USAA | $135* /mo |
(*USAA only available to current and former military members and their families.)
Cheapest Coverage for Drivers with Poor Credit in Nebraska
A credit score of the drivers plays an important role in deciding the cost of car insurance in any state. Even though the government has banned insurance companies to consider the credit score for calculating the cost; still it is considered as an important factor indirectly. According to most insurance companies, drivers with poor credit are less responsible and can file more claims. As a result; they try to avoid the risk of higher claims and processing money by increasing the cost of insurance for the drivers in this category.
We have created the list of top companies that can provide cheap car insurance rates in Nebraska for drivers with poor credit:
Which Car Insurance Discounts are available in Nebraska?
The easiest way to get affordable car insurance in Nebraska is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Nebraska State
Let’s talk about SR-22 car insurance in Nebraska. SR-22 stands for Safety Responsibility-22; an insurance that is mandatory for every driver that has a suspended license. The reason for the suspension of a driver’s license can be too many speeding tickets, parking tickets, DUIs, at-fault accidents or even driving without a license.
The cost of filing an SR-22 is not much; $15 to $35 in Nebraska. But the cost of buying an SR-22 policy is higher than almost all of the above tickets profiles. Not every insurance company provides SR-22 insurance. We have curated a list of the top companies that provides affordable SR-22 car insurance in Nebraska:
| Company | Average Annual Rate | Annual Average Premium with SR-22 and DUI |
|---|---|---|
| Allstate | $758 | $1,602 |
| GEICO | $689 | $1,535 |
| Progressive | $705 | $1,243 |
| Farmers | $848 | $1,879 |
| Auto-Owners | $740 | $1,358 |
| Farmers Mutual | $702 | $1,295 |
| Nationwide | $850 | $1,488 |
| American Family | $802 | $1,687 |
| Safeco | $905 | $1,750 |
Best Cities for Cheap Car Insurance in Nebraska
As discussed above there are a lot of factors that affect the car insurance rates for every driver. And the location of a driver is one of the most important factors. The state, city, and even area where a driver lives and drives his or her car affect final cost of the car insurance. If you are also searching for terms like “cheap auto insurance Omaha” or “cheap auto insurance Nebraska”. That means you are looking for affordable rates in your area. Try searching for “cheap car insurance in Texas” or “cheap car insurance in California“. You will realize the rates for each state can vary a lot. Not only states; car insurance rates also vary by city. Hence we have the list of some cities or Nebraska along with their car insurance rates:
| City | Avg. Annual Premium |
|---|---|
| Lincoln | $1,350 |
| Omaha | $1,423 |
| Norfolk | $1,378 |
| Columbus | $1,348 |
| Kearney | $1,496 |
| Bellevue | $1,538 |
| North Platte | $1,501 |
| Grand Island | $1,254 |
| Hastings | $1,178 |
FAQs About Car Insurance In Nebraska
Is it illegal to drive without carrying proof of auto insurance in Nebraska?
Yes, In Nebraska or in most of the states you can not drive without your license and proof of your car insurance. If you get caught driving without the evidence of current auto insurance then it will be considered a class II demeanor in Nebraska.
What are the penalties of driving without Insurance in Nebraska?
There are majorly two penalties for getting caught driving without insurance; fine and jail time. Yes, you will have to pay a fine that can go up to $500 or you will get jail time for a maximum of 6 months. The amount of the fine or the days in jail depends on your profile and how many times you have been caught in the past.
Is it possible to license my vehicle with another state’s insurance coverage?
Yes, you can buy car insurance coverage from another state. But the proof of insurance should mention that your policy covers Nebraska state’s minimum liability requirements. Moreover; the company you are buying your policy from should have a license to do business in Nebraska.
How much is the average cost of car insurance in Nebraska per Year?
The average car insurance cost in Nebraska is $339 per year for the state’s minimum liability. It is $1573 per year for full coverage car insurance. Please note this is an average car insurance premium rate. It can vary from driver to driver based on a lot of factors.
How can I find the cheapest car insurance in Nebraska?
There are two best ways to get affordable car insurance rates are in any city.
1. Combine different types of discounts on your current policy.
2. Ask for quotations from different companies in your city and compare them.
You can get affordable rates easily with these two methods.
Why is car insurance quotes Omaha is higher than most of the other cities in Nebraska?
The major reasons for the high rates of insurance in Omaha are the higher number of accidents and speeding vehicles. The city is at number 2 for the number of road accidents and speeding vehicles in the entire state.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.