Car Insurance in Nebraska

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Looking for cheap car insurance in Nebraska?

Thanks to its largely rural population, affordable repair costs, and low percentage of uninsured drivers on the road, insurance in the Cornhusker state is quite affordable and typically falls below the national average.
Location is only one of the many things that insurance companies consider when setting rates, though. So whether you’re in Lincoln, Omaha, or a smaller town, comparing rates between providers can help you find the best deal.
Comparison shopping has never been easier than with Jerry, a licensed broker that compiles quotes, handles your switchover from start to finish, and even helps cancel your old policy. The average Jerry customer saves $879 per year with Jerry!
Finding that hard to believe? Here are some quotes from real Jerry customers in Nebraska:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
October 4, 2021Honda Odyssey EXOmaha26Progressive$202/mo.$93/mo.
August 4, 2021Subaru Impreza SportBellevue26Progressive$193/mo.$110/mo.
July 14, 2021Ford Focus SELOmaha25Progressive$220/mo.$121/mo.
September 26, 2021Lincoln MkxOmaha48ClearCover$150/mo.$124/mo.
January 1, 2021Ford Focus SELOmaha23Progressive$168/mo.$141/mo.
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How much does car insurance cost in Nebraska?

The average cost of basic liability car insurance in Nebraska is $1,584 per year. Opting for full coverage car insurance in Nebraska will leave you with an average cost of $2,351 per year.

How does the annual cost in Nebraska compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Car insurance in Nebraska tends to be affordable thanks to a few main factors:
  • A mainly rural population with low population density and low accident risk
  • A low rate of uninsured drivers
  • Affordable auto repair costs across the state
That said, severe weather like thunderstorms and tornadoes can cause claims to spike and drive rates up a bit.
Here’s how the insurance savings with Jerry in Nebraska compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
NE$2,172$1,372$1,294$861--
National Average$2,491$1,672$2,359$1,390$2,763$1,962
NENational Average
All Coverage Before Jerry
$2,172$2,491
All Coverage After Jerry
$1,372$1,672
Minimum Coverage Before Jerry
$1,294$2,359
Minimum Coverage After Jerry
$861$1,390
Full Coverage Before Jerry
-$2,763
Full Coverage After Jerry
-$1,962
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Top auto insurance providers in Nebraska

Nebraska has a fairly healthy insurance sector, and reputable companies like State Farm, Progressive, and Farmers are popular picks among drivers here.
That said, finding the right insurance company for you might take a little more work.
Each insurance company has its own formula for setting premiums. This means that if you request quotes from four different insurers, you’ll end up with four different rates—even for identical coverage.
Factors that they consider include your age, driving record, and location. But your car plays a role, too. If you drive an Audi A6, for example, you’ll pay more for full-coverage insurance than you would for a Honda Accord because more expensive cars cost more to insure.
Check out some of the great prices that Jerry customers have found with various insurance companies in Nebraska:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$5,027$3,320Compare Prices
Kemper$4,452$2,786Compare Prices
Safeco$4,315$1,846Compare Prices
Allstate$2,708$881Compare Prices
Nationwide$2,606$879Compare Prices
Travelers$2,123$822Compare Prices
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What car insurance do you need in Nebraska

All but two states have mandatory minimum insurance requirements that all drivers must adhere to. In Nebraska, you need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person / $50,000 per accidentReimburses you for your expenses from an accident caused by an uninsured driver
If you fail to purchase the minimum coverage, you could face severe penalties:
  • Fine of up to $100
  • Immediate driver’s license suspension and vehicle registration suspension
  • Financial liability in the event of an accident
If you want to truly protect yourself and your vehicle, you’ll want to purchase additional coverage. Here are some good options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
When you’re ready to start shopping, get Jerry on your side.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry will find you the best deals across 50+ providers, including top names like Allstate and AAA. And when you’re ready to switch, Jerry will handle all the paperwork and help you cancel your old policy.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in Nebraska?

Some of the main factors that affect your insurance rates are your age, driving record, location, and vehicle.

Cost to insure your car in Nebraska by age

Experienced drivers are less of a risk to insurance companies and tend to enjoy the lowest rates. This is bad news for young drivers, who are some of the riskiest, most accident-prone drivers on the road—and face some of the highest rates.
What young drivers in Nebraska need to know
  • Nebraska has a graduated licensing system that helps reduce motor vehicle crashes involving teens by keeping them out of high-risk situations
  • Taking a defensive driving course can reinforce safe driving behaviors and help reduce insurance premiums
  • Maintaining a good average can qualify student drivers for a good student discount
Young drivers can further improve their chances of finding affordable car insurance rates by shopping around and maintaining a clean driving record.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,496$1,050
21-24$2,636$1,183
25-34$2,414$988
35-44$2,254$877
45-54$2,122$934
55-64$2,301$958
65+$1,860$390
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Cost to insure your car in Nebraska with a poor driving record

Your driving record plays a significant role in your insurance premium, too. It helps insurers determine how much of a risk you are to cover. And if your record has accidents, speeding tickets, and serious offenses like DUIs on it, you can expect to pay high Nebraska car insurance rates.
And since Nebraska insurance companies look at the last 15 years of your record, driving offenses can affect your premiums for a long time.
So, can you save money on car insurance if you have driving violations? If you shop around for rates—and there’s no easier way to do that than with Jerry.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,751$1,019
Failure to Obey Traffic Sign$4,695$3,165
Illegal Turn$4,271$2,656
Leaving scene of an Accident/Hit and Run$4,452$2,296
Speeding over 15$3,600$2,160
Driving on Sus. License$3,716$2,136
Speeding under 15$2,708$1,301
Improper Passing$2,500$1,057
DUI$2,300$881
Careless Driving$2,026$772
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Cost to insure your car in Nebraska based on where you live

Of the almost 2 million people who call Nebraska home, only about 665,000 live in rural areas. And this is important when it comes to insurance rates.
Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims. So, if you’re part of the majority of Nebraskans who live in places like Lincoln and Omaha, you’ll find that you pay more for your car insurance than those in less densely populated towns.
Check out the top 10 cheapest cities for car insurance in Nebraska:
City
Average Cost
Annual Savings with Jerry
Bellevue$1,930$790
Fremont$2,271$852
Grand Island$3,431$1,083
Kearney$2,448$1,692
La Vista$2,014$558
Lincoln$2,188$817
Norfolk$1,988$831
Omaha$2,566$1,094
Plattsmouth$2,100$477
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Cost to insure your car in Nebraska based on the type of car you drive

Surprise, surprise! Your car also matters for insurance purposes. If you drive a standard vehicle like a Toyota Corolla or Buick Enclave, you’ll likely find that your rates are very affordable.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And if you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
If, on the other hand, your car is something like a Volvo S60 or BMW X3, expect to pay higher-than-average premiums for insurance.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Chevrolet Equinox LS$1,521$1,045
Nissan Altima 2.5$1,947$993
Kia Optima LX$2,016$897
Honda Accord LX$1,729$806
Ford Taurus LX$1,956$718
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How to save money on car insurance in Nebraska

Saving money is always a good thing. So even if you’ve already found affordable insurance, check out how easy it can be to reduce your costs a little more.

Shop around for quotes

Shopping around is the best way to ensure you’re getting the best price for the coverage you need. But between long online forms and pushy salespeople, it can be a real chore. Enter Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. It takes less than a minute of your time to sign up and get started. Jerry will gather competitive quotes from more than 50 insurance companies and then help you make the switch—no paperwork, no phone calls, no hassles.

Look for discounts

Almost every insurance company offers discounts that can help you bring down your premium. Here are some of the most popular ones for drivers in Nebraska:
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Increase your deductible

Your deductible is the amount you’ll pay out of pocket for a claim before your insurance company kicks in. It’s not the right move for everyone, but increasing your deductible can bring down your insurance costs.
Make sure that you can afford to pay the deductible in full each time you have to make a claim. Otherwise, you could find yourself in some serious financial and legal trouble.

Registering your car in Nebraska

To register a car in Nebraska, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
In Nebraska, you need to renew your vehicle registration annually. You can complete the process online or in person at your local DMV office.

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