Cheapest Insurance in Nebraska 2021
- Find cheapest car insurance Nebraska
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
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.
Find the cheapest car insurance in Nebraska with Jerry
The average premium in Nebraska is cheaper than the average cost nationwide.
Here’s how much Jerry customers were paying for car insurance in Nebraska before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Nebraska with Jerry
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:
Additional coverages you might want to consider when shopping for car insurance in Nebraska
|Risk factor||Coverage to consider|
|Vehicle theft||Comprehensive insurance protects you if your vehicle is stolen or damaged by vandals.|
|Winter weather||If you’re stuck in a winter storm, roadside assistance coverage can be extremely helpful. The coverage offers everything from tows and tire changes to battery boosts and locksmith services.|
|Roadside assistance||Nebraska is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.|
Nebraska is generally an affordable, safe place to drive. Before purchasing car insurance, make sure you consider additional coverage to protect you and your passengers from unexpected costs.
Best carriers for minimum coverage car insurance in Nebraska
Driving without insurance in Nebraska comes with some big penalties. If you’re caught, you’ll be subject to fines, suspension of your license and registration, and even potential imprisonment.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Nebraska:
Cheapest full coverage 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:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in Nebraska
Comparing premiums from multiple companies is the best way to ensure that you’re getting the best price for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Nebraska:
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:
Cost of insurance for drivers in Nebraska with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Nebraska’s lookback period is fifteen years, much higher than most states.
But there’s good news! Jerry can help Nebraska drivers find great car insurance even if there’s a blemish on your driving record.
|Failure to Obey Traffic Sign||$3,963||$1,729|
|Driving on Sus. License||$3,571||$1,771|
|Speeding under 15||$2,988||$1,843|
|Leaving scene of an Accident/Hit and Run||$4,452||$2,156|
Best carriers for drivers with infractions in Nebraska
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.
|Speeding under 15||$3,071||$1,704|
|Failure to Obey Traffic Sign||$3,301||$1,778|
|Driving on Sus. License||$4,493||$2,048|
|Leaving scene of an Accident/Hit and Run||$4,452||$2,156|
If you’re looking for the most affordable insurance for a young driver with a poor driving record in Nebraska, check out these top carriers.
Best carriers for young drivers with infractions in Nebraska
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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:
|Discount type||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:
Cheapest car insurance in Nebraska by city
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.
Additional ways to lower your car insurance
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.
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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).