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Jerry Data & Research
Cheapest Car Insurance in Nebraska (Apr 2024)
Cheapest Car Insurance in Nebraska (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Nebraska.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Nebraska
- Cheapest car insurance companies in Nebraska
- Nebraska Car Insurance Coverage Requirements
- Nebraska Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Nebraska?
- Car Insurance for High-Risk Nebraska Drivers
- Car Insurance for Nebraska Drivers With DUI
- Car Insurance for Nebraska Drivers With a Coverage Lapse
- Car Insurance for Nebraska Drivers With a Low Credit Score
- Nebraska Car Insurance Cost by Age
- Nebraska Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Nebraska Insurance Cost by Zip Code
- How to lower the cost of car insurance in Nebraska
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
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 |
|---|---|---|---|---|
| Travelers | $152 | Chase, 25 | RAM 1500 Classic Warlock | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $72 | Jesse, 66 | Jeep Compass Sport | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $129 | Andrew, 31 | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $110 | Gerald, 28 | Toyota RAV4 | • State Minimum Liability • Comp / Collision |
| Bristol West | $161 | Jesse, 35 | Chevrolet Silverado K1500 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 26, 2024Cheapest 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: |
|---|---|---|---|
| Safeco | April 25, 2024 | 4 | "Good service but need lower cost." -Joel |
| Founders | April 23, 2024 | 3 | "Rates were annual and cheaper
" -Scott |
| Dairyland | April 23, 2024 | 5 | "My Dairyland auto coverage has been great! Most importantly, as a single mom, it is affordable. They provide me with ...(read more)" -Alex |
| Allstate | April 16, 2024 | 3 | "They did great the first 6 months of my policy but after that I stopped using the drivers tracking system because it ...(read more)" -Evelyn |
| Mercury | April 16, 2024 | 5 | "Great coverage for a great price!" -Lena |
Last Updated Apr 25, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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:
- $50,000 bodily injury 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.
Here’s an example of how Jerry can help you find cheap car insurance in Nebraska:
Christine (25 years old)
$327
per month
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Safeco | $132 | Frances, 31 | Chevrolet Impala LT |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $150 | Alfred, 35 | KIA Sorento |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $146 | Lily, 26 | Toyota Corolla L |
• State Minimum Liability • Comp / Collision | Clearcover | $110 | Gerald, 28 | Toyota RAV4 |
• 50,000/100,000 Liability • Comp / Collision | Bristol West | $161 | Jesse, 35 | Chevrolet Silverado K1500 |
Last Updated Apr 25, 2024Average 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 $186 per month or $2,238 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:
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.How Do Different Factors Impact Your Car Insurance Costs in Nebraska?
How Do Different Factors Impact Your Car Insurance Costs in Nebraska?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Nebraska currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Nebraska:
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 | Insurance Coverage |
|---|---|---|---|---|
Speeding 6-10 | Progressive | $136 | Loretta, 37 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Bristol West | $112 | Katharine, 22 | • State Minimum Liability |
Last Updated Apr 27, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Great customer service response and reliable affordable costs for insurance rates.
Jamire
Very smooth and fast process
Kyle
Great services and fast responses
Denise
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.
Rose (26 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$177
per month
Willie (42 years old)
$75
per month
Clearcover
Rebecca (23 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$280
per month
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 DWIconviction
- Hit-and-run
- 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 |
|---|---|---|---|---|
At Fault With Injury | Progressive | $187 | Frank, 20 | • State Minimum Liability |
At Fault With No Injury | Nationwide | $129 | Cody, 31 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Nationwide | $92 | Nina, 35 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $234 | Keith, 35 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Bristol West | $392 | Myra, 33 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 27, 2024FAQs
Is Nebraska a no-fault state?
Nebraska’s car accident laws
designate it as an at-fault or tort state, meaning that the driver at fault for an accident is responsible for paying for the other party’s injuries and property damage resulting from the accident. Unlike in no-fault states, drivers can file lawsuits to seek compensation for even basic medical expenses.Nebraska also uses a comparative fault system where drivers cannot collect damages from the other parties if they are 50% or more at fault. If they were less than 50% at fault, they could collect damages minus the percentage they were at fault. For example, if a driver was 25% at fault for an accident, they could collect 75% of what they spent on damages after the crash.
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 | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $61 | Rosalie, 37 | Ford Explorer Sport | • 100,000/300,000 Liability |
Defective Equipment | Safeco | $74 | Rebecca, 36 | Ford F150 Supercrew | • State Minimum Liability |
Driving on Sus. License | Allstate | $234 | Lucas, 36 | Chevrolet Tahoe K1500 LTZ | • State Minimum Liability • Comp / Collision |
DUI | Clearcover | $65 | Maude, 43 | Ford Ecosport Titanium | • State Minimum Liability • Comp / Collision |
Eluding Police | Progressive | $94 | Myrtie, 36 | Lexus ES 330 | • State Minimum Liability |
Failure to Yield | Travelers | $119 | Sean, 54 | Jeep Compass Latitude | • 50,000/100,000 Liability • Comp / Collision |
Illegal Turn | Clearcover | $145 | Carrie, 37 | Chevrolet Tahoe K1500 LTZ | • State Minimum Liability • Comp / Collision |
Improper Passing | Bristol West | $159 | Dean, 37 Wilber, NE | Dodge Caravan SE | • State Minimum Liability |
Leaving scene of an Accident/Hit and Run | Bristol West | $193 | Olga, 39 | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | Travelers | $138 | Leila, 30 | Honda Accord EX | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Nationwide | $89 | Martha, 32 | Hyundai Santa FE GLS | • State Minimum Liability • Comp / Collision |
Suspension | Safeco | $74 | Lois, 36 | Ford F150 Supercrew | • State Minimum Liability |
Other Minor | Allstate | $191 | Mabel, 25 Crete, NE | Honda Accord Sport | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 26, 2024Cheapest 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.
Blake (66 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Morse Bluff, NE$64
per month
Ollie (47 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$190
per month
Carlos (47 years old)
$68
per month
Jeff (47 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$190
per month
Roy (45 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$118
per month
Eric (26 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$160
per month
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 | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $71 | Evelyn, 33 | Volkswagen Golf Sportwagen TDI S | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Clearcover | $104 | Elmer, 41 | Jeep Grand Cherokee L Limited | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Allstate | $138 | Bill, 46 | Lincoln MKS | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Bristol West | $197 | Chester, 24 | Pontiac G6 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 25, 2024Cheapest 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.
Amelia (22 years old)
$65
per month
Alberta (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$117
per month
Melvin (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$103
per month
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.
Jorge (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Morse Bluff, NE$60
per month
Mario (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$91
per month
Clearcover
Victor (69 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$74
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
So happy I found the Jerry app. My rates is $90.00 less a month couldn't be happier
Jody
Affordable and keeps me covered
Vanessa
Great coverage for a great price!
Jaime
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 Oddessy.
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 |
|---|---|---|---|---|
| RAM 1500 Sport | Progressive | $126 | Dustin, 63 Oshkosh, NE | • 50,000/100,000 Liability • Comp / Collision |
| Chevrolet Malibu 1LT | Safeco | $133 | Marvin, 48 | • 100,000/300,000 Liability • Comp / Collision |
| Chevrolet Silverado K1500 LT | Nationwide | $111 | Ada, 41 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 22, 2024Is 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 $1,519 per year, while the average cost of car insurance for a car less than 4 years old goes up by to $2,274 a year.
Estelle (24 years old)
2005 Chevrolet Suburban K1500
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$81
per month
Luke (56 years old)
$88
per month
Aiden (42 years old)
2003 Chevrolet Impala LS
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$85
per month
Ophelia (34 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$99
per month
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 |
|---|---|---|---|---|---|
| Omaha, NE | Lola, 29 | Progressive | $315 | Toyota Camry | • 50,000/100,000 Liability • Comp / Collision |
| Lincoln, NE | Henrietta, 25 | Travelers | $152 | RAM 1500 Classic Warlock | • 50,000/100,000 Liability • Comp / Collision |
| Omaha, NE | Teresa, 26 | Allstate | $146 | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
| Omaha, NE | Vincent, 27 | Safeco | $166 | Jeep Grand Cherokee Laredo | • State Minimum Liability • Comp / Collision |
| La Vista, NE | Alexander, 31 | Nationwide | $129 | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
| Omaha, NE | Christine, 25 | Bristol West | $327 | Jeep Grand Cherokee Laredo | • State Minimum Liability • Comp / Collision |
| Omaha, NE | Victoria, 33 | National General | $117 | Chevrolet Traverse LT | • 50,000/100,000 Liability • Comp / Collision |
| Omaha, NE | Gerald, 28 | Clearcover | $110 | Toyota RAV4 | • State Minimum Liability • Comp / Collision |
| Bellevue, NE | Milton, 45 | Mercury | $118 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
| Omaha, NE | Edith, 41 | Assurance America | $99 | Hyundai Santa FE GLS | • State Minimum Liability • Comp / Collision |
| Lincoln, NE | Leah, 57 | The General | $146 | Jeep Renegade Sport | • State Minimum Liability • Comp / Collision |
Last Updated Apr 27, 2024How 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:
- Shop around and compare insurance quotes between auto providers.
- Look at insurance rates before buying a car.
- Increase your deductible for full-coverage policies (comprehensive and collision insurance).
- Reduce your coverage on older cars.
- Bundle your car and homeowners insurance to get a discount.
- Increase your credit score.
- Take a defensive driving course.
- Ask about car insurance discounts, such as good driver discounts, good student discounts, or low mileage discounts.
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
FAQs
What are the car insurance requirements in Nebraska?
If you’re planning to get behind the wheel of a car in Nebraska, you’ll need to meet the state’s minimum car insurance requirements—liability insurance and uninsured/underinsured motorist coverage. Here’s what you’ll need: $25,000
bodily injury liability
coverage per person, $50,000 bodily injury liability per accident, $25,000 property damage liability
per accident, as well as $25,000 bodily injury per person, and $50,000 bodily injury per accident of uninsured motorist coverage.What provider sells the best cheap car insurance in Nebraska?
As easy as having one provider with the best rates would be, that’s not the case. Because many factors influence insurance premiums, rates will fluctuate between drivers and insurance providers, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry.
That said, Jerry found that
Progressive
, Dairyland
, and ClearCover offer some of Nebraska's most competitive rates for auto insurance policies. Still, it pays to compare at least three insurance quotes using an app like Jerry to find the best rate. What age is car insurance the cheapest?
Drivers between the ages of 25 and 60 typically enjoy the lowest insurance rates. Teens and seniors tend to pay higher prices due to increased risk on the road.
How long do you have to insure a new car in Nebraska?
There’s no statewide grace period for insurance a new car in Nebraska—you’re required to have insurance before you drive a vehicle, no matter when you bought it. However, if you already have a car insurance policy, your provider may offer a grace period in which a new vehicle is covered under your existing policy for a set amount of time.
Can you get car insurance without a license in Nebraska?
Getting car insurance in Nebraska without a driver’s license is possible, but the process can be complicated. However, many auto insurance companies won’t offer policies to people who don’t have a license, as it’s illegal to operate a motor vehicle without a valid driver’s license.
Is it illegal to drive without insurance in Nebraska?
Yes, driving without insurance is illegal in Nebraska. Drivers are required to carry insurance that meets the minimum state requirements. If you’re caught driving without insurance in Nebraska, you’ll lose your driving privileges.
If you’re stopped and can’t provide
proof of insurance
, after 10 days, you’ll be on the hook for reinstatement fees to restore your driving privileges—that’s $50 each for your license and vehicle registration. You’ll also have to pay for the renewal of your license plates.What is the cheapest form of insurance in Nebraska?
The cheapest type of insurance is the state minimum liability insurance. But even though you’re only legally required to carry liability and UM/UIM at the state coverage limits, purchasing a higher coverage level is recommended to ensure you’re financially protected after a car accident.
Do you need insurance to register a car in Nebraska?
Before you can register a car in Nebraska, you’ll have to provide proof of insurance that meets the minimum insurance requirements. If you don’t already have car insurance, you’ll need to
buy an insurance policy before you buy a new car
.You can register by mail or in person for new registrations in Nebraska. You’ll need to present the following documents to the County Treasurer:
- Proof of Financial Responsibility (Insurance)—Must be an original document
- Proof of sales or excise tax payment
- A copy of the signed lease agreement (if the vehicle is leased)
Once the documentation is verified and the fees are paid, you’ll be issued your vehicle registration, license plates, and validation tabs.
Do I need uninsured/underinsured motorist protection in Nebraska?
Yes, UM/UIM is required in Nebraska. In addition to liability insurance, Nebraska drivers are required to have at least $25,000 per person and $50,000 total per accident for bodily injury.
What does full coverage car insurance consist of in Nebraska?
A full-coverage car insurance policy in Nebraska is a policy that exceeds the state’s minimum requirements for liability and UM/UIM coverage but also includes optional collision and comprehensive coverage. If you’re a young driver or have a new vehicle, we recommend purchasing a full-coverage policy for greater financial protection.
Does insurance follow the car or the driver in Nebraska?
Typically, standard
car insurance follows the vehicle
, not the driver. However, if you don’t own a car, you can purchase a non-owner policy that will follow you no matter what vehicle you’re driving.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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.
