With 1.5 million licensed drivers on the road, Nebraska’s population is primarily concentrated in urban centers. However, the state is considered 99.3% rural, this helps reduce car insurance prices for Nebraskan drivers.
In fact, Nebraska’s rates are among the 20 most affordable in the entire country.
That doesn’t mean Nebraska drivers don’t benefit from comparing car insurance prices.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Nebraska. If you want to learn more about Nebraska’s car insurance rates, then read on.
Cheapest minimum coverage car insurance in Nebraska
In Nebraska, people are required to have the following minimum coverages:
$[25,000] bodily injury liability per person
$[50,000] bodily injury liability per accident
$[25,000] property damage liability per accident
Failing to meet the required minimums while driving in Nebraska is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Nebraska:
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Although the state is classified as rural, the majority of Nebraska residents live in urban centers. Cities are associated with higher risk, especially Omaha and Lincoln. This risk can mean higher premiums.
Full coverage car insurance policies generally include:
While minimum coverage is enough to let you drive legally in Nebraska, full coverage offers stronger protection and can provide peace of mind. Look for a company that offers the protection you need and service you can rely on.
Cost to insure your car in Nebraska by age
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Nebraska or move to a city like Omaha—you should start by quote shopping with Jerry. Here are the prices Jerry offers drivers by age:
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Nebraska if you have a traffic violation on your record.
Cost of insurance for young drivers in Nebraska with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
As a young person, a minor offense on your record could significantly impact your car insurance rates for years to come. Some offenses stay on your record for many years—way past the time you’d be considered a ‘young driver.’
Fortunately, Jerry can help young drivers in Nebraska with prior incidents find the right coverage for the best price.
Types of discounts that might be available to you in Nebraska
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Nebraska. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Nebraska allows insurers to consider factors like sex, zip code, and marital status when calculating your car insurance premium. You might enjoy a reduced premium for being married and living in a less densely populated area, for example.
Some of the most common car insurance discounts in Nebraska include:
Who is eligible?
Paperless billing and automatic payments
Enroll in paperless billing and you could qualify for a discount between 2 and 25%.
Safe driver discount
Nebraska drivers who have been accident-free for several years can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount.
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
Driver education discounts
Older drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Good student discounts
If you’re under 25 and a full-time student, you could get a huge discount on your car insurance premium. There’s also a “student away at school” discount for families where a child under 25 lives away from home and only drives during vacations.
Safety features and anti-theft systems
By driving a vehicle with great safety features (anti-lock brakes, airbags), you can qualify for a discount on your premium. Steering wheel locks and car alarms could also trigger a discount.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Nebraska?
The most popular car in Nebraska is the Chevrolet Malibu. It received four out of five stars from the NHTSA safety assessment. It’s safety features combined with its affordable price tag make it inexpensive to insure.
If you drive a relatively inexpensive car, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common car than an expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what you can expect to pay to insure some other popular car makes/models with and without Jerry:
Generally, areas with lower population density tend to have lower insurance rates. This can help bring down the monthly payment for rural Nebraska drivers. However, urban dwellers—the majority of Nebraska drivers—can expect to pay slightly more.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.