How to find the cheapest car insurance quotes in Nebraska

With plenty of car insurance companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to shop around and compare car insurance quotes before committing to a policy—you can guarantee you’re not overpaying.

With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Nebraska drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free!

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
Progressive	$124	Cameron, 23, Omaha, NE	Chevrolet Cruze Lt	State Minimum	No
Progressive	$183	Cynthia, 46, Omaha, NE	Nissan Altima 2.5	State Minimum	Yes
The General	$202	Myrtle, 20, Omaha, NE	Pontiac Grand Prix	State Minimum	No
The General	$486	Stanley, 25, Omaha, NE	Subaru Impreza Premium Awd	State Minimum	Yes
Progressive	$58	Luella, 59, Omaha, NE	Jeep Liberty Sport	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance companies in Nebraska

If you’re looking for the best car insurance policy for the best price, Jerry conducted a national insurance survey to uncover the best providers for Nebraska drivers.

Study results showed no “best” or “cheapest” insurance provider for every driver. Every insurance company uses different algorithms to calculate rates, meaning not every company will offer a driver the same rate.

In Nebraska, customers rated Dairyland, Progressive, and ROOT the highest for customer satisfaction, claims processing, and policy cost, but Clearcover, Safeco, and State Farm also scored well.

Here’s what drivers have to say about these insurance providers.

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Encompass	August 23, 2024	3	“I haven’t interacted with them much i just get cringey texts”-Tom
Safeco	August 22, 2024	4	“Good service but need lower cost.”-Robert
Safeco	August 20, 2024	5	“I just chose them to replace Progressive with every 6-month rate increases.” -Joel
National General	August 16, 2024	5	“🔥🔥” -Rosetta
Allstate	August 9, 2024	4	“Overall with AllState, I just have a plan with them for my car insurance and I would say it is a little pricey on ful…(read more)” -Nora

If you want to find cheap car insurance but don’t want to deal with the hassle of back and forth emails or hours on the phone, the most convenient method is to use a comparison app or website.

Jerry is the country’s leading car insurance comparison app that makes finding and comparing car insurance quotes online easy. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents ready to help you find the best coverage for the best rate, 24/7.

Minimum car insurance requirements for liability and full coverage in Nebraska

Nebraska state laws require that all drivers carry minimum coverage car insurance before getting behind the wheel of a car. In Nebraska, you must purchase liability coverage and Nebraska uninsured/underinsured motorist coverage (UM/UIM). But if you’re looking for more financial protection, you can also choose to purchase full-coverage auto insurance that covers collision and non-collision incidents.

Cheapest minimum liability coverage in Nebraska

Nebraska’s car insurance laws require drivers to carry minimum liability insurance that follows a 25/50/25 pattern.

Here’s what drivers are required to have:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Before registering your vehicle in the state, you must meet these requirements.

Buying a policy that meets the minimum state limits is generally the cheapest option for car insurance, but if you’re not convinced, comparing quotes is the way to go.

Do you need more than the minimum liability insurance coverage in Nebraska?

The stress of being involved in an accident isn’t the only problem you’ll have—take a look at the resulting bills. Nebraska law states that all drivers must have liability insurance and UM/UIM that meet the minimum requirements, but accident bills can quickly exceed state minimums.

While meeting the 25/50/25 rule might seem like enough, it’s typically recommended to purchase insurance that exceeds the state minimums. Nebraska drivers might want to consider doubling up, purchasing a policy that’s 50/100/50 or more.

Cheapest full coverage Nebraska auto insurance quotes

Buying liability insurance is a good way to protect others if you’re involved in an accident, but it doesn’t cover you. That’s where a full coverage auto insurance policy comes into play. Opting for full coverage is one of the best ways to protect yourself against vehicle repair or replacement costs.

A full coverage policy in Nebraska includes liability coverage and UM/UIM, as well as comprehensive and collision coverage:

• Collision insurance pays for the cost of vehicle repairs or, in the event of a total loss, will give you the fair market value of your car before the accident. Collision coverage is subject to a deductible.
• Comprehensive insurance: Covers the cost of damages to your car resulting from almost everything except a collision—theft, vandalism, falling objects, glass breakage, or animal damage. This coverage is also subject to a deductible.

If you lease your vehicle, most lenders in Nebraska will require you to purchase a full coverage policy that includes collision and comprehensive coverage.

Even if you don’t lease your car, a full-coverage policy can be tremendously beneficial for Nebraska Drivers—and Jerry can help you find the best rate for the best coverage!

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	No	Progressive	$124	Cameron, 23, Omaha, NE	Chevrolet Cruze Lt
State Minimum	Yes	Progressive	$183	Cynthia, 46, Omaha, NE	Nissan Altima 2.5
State Minimum	No	The General	$202	Myrtle, 20, Omaha, NE	Pontiac Grand Prix
State Minimum	Yes	The General	$486	Stanley, 25, Omaha, NE	Subaru Impreza Premium Awd
State Minimum	Yes	Progressive	$58	Luella, 59, Omaha, NE	Jeep Liberty Sport

Last Updated Dec 17, 2024

Average rates for minimum liability coverage and full coverage car insurance in Nebraska

Sorting through plenty of Nebraska insurance providers, we found that the average cost of minimum liability coverage is $117 per month or $1,406 per year. The average cost for full coverage insurance in Nebraska is $188 per month or $2,256 per year.

Looking at the average rates in Nebraska can give you a good idea of what you can expect to pay, but that’s just an estimate. Car insurance premiums are determined by several factors—age, vehicle make and model, coverage needs, location, driving record, and more—meaning that rates will vary between drivers and providers.

Nebraska car insurance: Additional coverages

In some states, liability coverage is the only state-mandated coverage, but in Nebraska, you’ll also need to purchase uninsured/underinsured motorist coverage.

According to the Insurance Research Council, 6.8% of drivers in Nebraska are insured. With 1.4 million people licensed in the state, roughly 97,357 drivers don’t have the insurance required by law. If you’re involved in an accident with one of them, UM/UIM coverage protects you.

At a minimum, Nebraska drivers must have $25,000 bodily injury per person and $50,000 bodily injury per accident.

On top of liability and UM, here are some other coverage options Nebraska drivers should consider:

• Medical payments (MedPay) or personal injury protection (PIP)
• Rental reimbursement
• Towing and labor (roadside assistance)
• Transportation expense

For drivers who drive a leased car, consider buying gap insurance—it will pay the difference between the car’s actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.

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Learn more: Types of insurance

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Car insurance premium by rating factors

As we mentioned, rates aren’t consistent from driver to driver or from providers. Each insurance company uses different factors to determine premiums, including:

• Age and demographics: Teens and seniors tend to pay the highest insurance premiums, while men generally pay more.
• Driving record and claims history: Speeding, reckless driving, a DUI, or other driving violations can all cause major increases in premiums.
• Vehicle location: Rates for drivers in cities like Omaha are usually higher than in rural areas. Rates can also vary based on zip code, even within the same city.
• Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than non-luxury and less expensive cars.
• Driving habits: Cars driven for work or in heavy traffic have a higher chance of being involved in an accident and tend to see higher rates than vehicles driven for leisure or minimal mileage.

Cheapest Nebraska car Insurance after a driving violation

Whether it’s an at-fault fender bender or street racing with your buddy, driving offenses can have big impacts on your car insurance rates. Insurers pay a lot of attention to your Nebraska driving record because they don’t want to insure a high-risk driver. A high-risk driver means a higher risk of a claim and a big payout.

Cheapest car insurance for Nebraska drivers with a speeding ticket

Nebraska speeding tickets come with different penalties based on how fast you were driving over the posted speed limit. Here’s a breakdown of what you can expect:

• 1-5 mph over speed limit: $10
• 5-10 mph over speed limit: $25
• 10-15 mph over speed limit: $75
• 15-20 mph over speed limit: $125
• 20-35 mph over speed limit: $200
• 35+ mph over speed limit: $30

Keep in mind that fines double if you’re caught speeding in a school or construction zone. On top of insurance increases, you may also be on the hook for additional court costs, online processing fees, or other fees.

Luckily, Jerry can help you find savings on insurance—even if you don’t have a clean driving record.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Progressive	$183	Cynthia, 46, Omaha, NE	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$207	Wesley, 35, Omaha, NE	State Minimum	No
Speeding Violation-Major	Progressive	$67	Evan, 31, Omaha, NE	State Minimum	No
Speeding Violation-Minor	Progressive	$56	Louise, 32, Omaha, NE	State Minimum	No
Speeding Violation-Minor	Progressive	$100	Brent, 28, Lincoln, NE	State Minimum	No

Last Updated Dec 17, 2024

How to find cheap Nebraska auto insurance after a DUI

As with most states, the DUI laws in Nebraska are tough. Fines start at $400, but depending on your blood alcohol content (BAC), you may also be required to complete an alcohol treatment program, community service, jail time, and license suspension.

A DUI on your record categorizes you as a “high-risk driver,” and insurers aren’t too fond of those. As a result, you’ll see a sharp increase in your premium until it’s cleared from your record—if it does get cleared.

The best way to secure an affordable rate with a DUI on your record is to shop around for car insurance quotes from various providers. Jerry has helped Nebraska drivers find savings, even with a DUI.

Nebraska SR-22 insurance

If you have a major violation like a DUI or reckless driving on your Nebraska driving record, it’s a big no-no for insurance providers. Being a high-risk driver doesn’t just come with the nametag but also the need to file a Nebraska SR-22. Insurance providers issue SR-22s to high-risk drivers to prove they carry Nebraska’s minimum required car insurance. In other words, it’s support from your insurance provider stating that you can still pay your premium despite legal and financial punishment.

If you keep a clean driving record for three years after your conviction, you won’t need SR-22 insurance anymore.

SR-22s are usually required for the following violations:

• Driving without insurance
• Driving without a valid driver’s license
• DUI or DWI conviction
• Hit-and-run
• Reckless driving
• Distracted driving
• Repeated driving violations
• An at-fault collision leading to death or injury

Cheapest Nebraska auto insurance after an at-fault accident

If your driving record is full of at-fault accidents, it signals to insurers that you’re not a careful driver, and you’re more likely to file a claim and cost the insurer money—i.e., you’re a high-risk driver. As a result, you likely have a higher-than-average insurance premium.

If you’re not keen to break the bank because of a fender bender, there are simple ways to find the cheapest rates, like discounts and keeping a clean driving record. Here’s how Jerry helped Nebraska drivers find affordable rates:

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Not At Fault	Progressive	$183	Cynthia, 46, Omaha, NE	State Minimum	Yes
At Fault With No Injury	The General	$486	Stanley, 25, Omaha, NE	State Minimum	Yes
At Fault With No Injury	Progressive	$359	Jean, 38, North Platte, NE	State Minimum	Yes
Not At Fault	Progressive	$72	Mamie, 32, Omaha, NE	State Minimum	No
At Fault With No Injury	The General	$167	Sadie, 20, Tekamah, NE	State Minimum	No

Last Updated Dec 17, 2024

Cheapest auto insurance after other violations in Nebraska

A DUI or speeding ticket can lead to a spike in car insurance rates for Maryland drivers. However, it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.

Check out some examples of how Jerry helped drivers with violations find affordable insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Driving on Sus. License	Progressive	$63	Harriet, 26, La Vista, NE	State Minimum	No
Other Minor	Progressive	$359	Jean, 38, North Platte, NE	State Minimum	Yes
Careless Driving	The General	$247	Randall, 23, Omaha, NE	State Minimum	No
Failure to Obey Signal	The General	$301	Nell, 37, Lincoln, NE	State Minimum	No
Driving on Sus. License	The General	$198	Alma, 25, Omaha, NE	State Minimum	No

Last Updated Dec 17, 2024

Cheapest Nebraska auto insurance based on insurance history

Your insurance history also influences how much you’ll pay for insurance. If you had insurance for several years but spent a few months without it because you lost your job, you’ll pay higher insurance rates when you re-apply for a premium. Simply put, the longer you’ve been continuously insured, the lower your insurance rate will be.

Insurers want to know that you haven’t had a lapse in insurance coverage, which signifies you might be a “high-risk driver” and result in an increase to your insurance rate.

Luckily, Jerry helps keep your payments on track. Whether you have an upcoming payment or missed one by a day, Jerry keeps you up to date to avoid having a lapse in coverage.

Cheapest car insurance for drivers with poor credit

Your credit score is important if you’re trying to buy a house or a car, but in some states, it’s also important when it comes to insurance. States that look at your credit score, including Nebraska, use them to determine the likelihood of a driver filing a claim. As such, the lower your credit score, the higher your insurance rate.

On average, drivers with poor credit scores have a rate up to 70% higher than drivers with good credit scores.

If your credit score needs work and you’re looking for cheap car insurance, using a comparison app is the easiest way to rule out bank-breaking rates.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
550-659	Progressive	$124	Cameron, 23, Omaha, NE	Chevrolet Cruze Lt	State Minimum	No
550-659	Progressive	$183	Cynthia, 46, Omaha, NE	Nissan Altima 2.5	State Minimum	Yes
550-659	The General	$202	Myrtle, 20, Omaha, NE	Pontiac Grand Prix	State Minimum	No
550-659	The General	$486	Stanley, 25, Omaha, NE	Subaru Impreza Premium Awd	State Minimum	Yes
550-659	Progressive	$58	Luella, 59, Omaha, NE	Jeep Liberty Sport	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest Nebraska car insurance by age

Drivers 16 to 19 pay some of the highest rates for insurance thanks to a lack of experience behind the wheel. Those premiums will usually drop after age 25, but once you hit your 60s, your rates can still be high, thanks to slow reflexes and a higher risk of injury if you’re involved in an accident.

If you’re looking for the most affordable rates regardless of age, USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual, and Progressive should be your go-to—but it still pays to shop around.

Cheapest Nebraska car insurance for young drivers

Teen drivers aged 16-19 are subject to the highest insurance rate of any age bracket, regardless of their state. Less road experience and time behind the wheel mean a higher risk of being involved in an accident and, therefore, a higher insurance rate.

You may notice a slightly lower risk while you still have a Nebraska provisional license—that’s because you’re only allowed to under certain conditions. Once you’re free to drive with an unrestricted license, your rates will be higher.

That said, there are ways to decrease your insurance premiums. Taking a defensive driving course or maintaining a B+ average can earn you a discount with certain providers to lower your rates, as can being an add-on driver to a parent or guardian’s policy.

Still, because new and young drivers tend to be at a higher risk on the road, we recommend drivers under 19 purchase a full-coverage policy that offers more financial protection.

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Learn more: The best cheap car insurance for teens

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Cheapest Nebraska car insurance for senior drivers

Although senior drivers might have significantly more driving experience than a teenager, car insurance rates for seniors tend to be high as well.

Although that may seem counter to everything we just said, seniors are more fragile and are at a higher risk of mortality, hospitalization, and medical expenses if they’re involved in an accident—they also have slower reflexes that increase the risk of being involved in one. A higher risk on the road means higher costs for insurers and higher premiums for senior drivers.

How to find car insurance discounts in Nebraska for your motor vehicle

On top of everything we’ve mentioned, your vehicle’s make and model can have a big influence on how much you pay for car insurance. Something like a Bentley or Lamborghini that costs north of $150k comes with a heftier insurance bill than a safety-first Toyota Corolla or Honda Odyssey.

In general, the more expensive your car is, the more expensive your insurance will be. Other factors associated with your car that can increase insurance rates include:

• Repair or replacement costs
• Likelihood of theft
• Safety rating

Some of the cars that dominate Nebraska roads include:

• Ford F-150
• Ram 1500
• Chevrolet Malibu
• Chevrolet Silverado
• GMC Sierra
• Jeep Grand Cherokee

Driving a car that has good reliability, low repair costs, and a low to moderate price tag can help prevent your insurance payments from draining your wallet.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Chevrolet Malibu Ls	The General	$301	Nell, 37, Lincoln, NE	State Minimum	No
Dodge Ram 1500	Progressive	$78	Minerva, 27, Fairbury, NE	State Minimum	No
Chevrolet Malibu Ls	Progressive	$366	Genevieve, 46, Oakland, NE	100/300	Yes
Ford F-150	Dairyland	$80	Phillip, 52, Omaha, NE	State Minimum	No
Ford F-150	Dairyland	$119	Helena, 46, Scottsbluff, NE	State Minimum	No

Last Updated Dec 17, 2024

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Learn more: How to get car insurance before buying a car

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Is it cheaper to insure a new car or a used car?

Getting your hands on a mint condition 1960s Mustang GT350 might make you the star of the road, but it won’t do your insurance any favors. While the value of cars typically decreases with age—this isn’t the case for all cars—insurance doesn’t always follow suit.

Insurers determine premium rates based on how much they would have to pay if the car was damaged, so the higher the worth and the more it costs to repair, the higher the insurance rate will be.

On the other hand, newer cars don’t always equate to higher rates. Because newer vehicles are decked out with a plethora of features that keep you safe on the road—think lane change assistant, blind spot monitoring, and the like—they can help to reduce your rates by reducing the likelihood of a crash.

For example, we found that the average full coverage insurance cost in Nebraska for a car older than 10 years is $1,524 per year, while the average cost of car insurance for a car less than 4 years old goes up by to $2,304 per year.

How to find cheap car insurance in Nebraska in your city

It shouldn’t come as a surprise that where you live impacts your car insurance rate, but even drivers in the same city with different zip codes can pay a different rate, all other factors alike. That’s because certain areas have higher crime rates, which means a larger payout for insurance companies if your car is vandalized or stolen. And because population density is higher in cities, city-goers will see higher rates than rural residents.

On top of that, where you park your car also matters. Parking your car in a secure location like a home garage or parking garage decreases the risk of theft and damage than parking on the street. As a result, more security means more savings on car insurance.

Regardless of where you live, you don’t have to accept an annual premium that’s through the roof. With some shopping around, you can find savings—see for yourself!

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Omaha, NE	Cameron	Progressive	$124	Chevrolet Cruze Lt	State Minimum	No
Omaha, NE	Cynthia	Progressive	$183	Nissan Altima 2.5	State Minimum	Yes
Omaha, NE	Myrtle	The General	$202	Pontiac Grand Prix	State Minimum	No
Omaha, NE	Stanley	The General	$486	Subaru Impreza Premium Awd	State Minimum	Yes
Omaha, NE	Luella	Progressive	$58	Jeep Liberty Sport	State Minimum	Yes

Last Updated Dec 17, 2024

How to lower the cost of car insurance in Nebraska

Whether you’re a young driver, have a speeding ticket, or live in a bit of a sketchy neighborhood, finding affordable car insurance can seem like an endless battle. Luckily, knowing these hacks can help you find the best insurance rate without sacrificing coverage:

1. Shop around and compare insurance quotes between auto providers.
2. Look at insurance rates before buying a car.
3. Increase your deductible for full-coverage policies (comprehensive and collision insurance).
4. Reduce your coverage on older cars.
5. Bundle your car and homeowners insurance to get a discount.
6. Increase your credit score.
7. Take a defensive driving course.
8. Ask about car insurance discounts, such as good driver discounts, good student discounts, or low mileage discounts.

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Learn more: 11 Ways to lower car insurance

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Why is car insurance so expensive in Nebraska?

Maryland is the fifth-most expensive state for car insurance. Here are some contributing factors to high insurance rates:

• High urban population density
• Insurance rates are increasing nationwide
• Increasing healthcare costs
• High vehicle theft rate

Learn more about our editorial standards, and our expert review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.