Car Insurance in Nebraska

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Table of Contents
  • How Much is Car Insurance in Nebraska?
  • Real Quotes for Jerry.ai Customers in Nebraska
  • The Cheapest Car Insurance in Nebraska
  • Most Popular Insurance Companies in Nebraska
  • Cost to Insure Different Cars in Nebraska
  • Car Insurance Laws in Nebraska
  • Car Registration Information in Nebraska

Looking for car insurance in Nebraska? Here you’ll find all the information you need on driving a car in The Cornhusker State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Omaha or Bellevue, Lincoln or Grand Island — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Nebraska car insurance.

How Much is Car Insurance in Nebraska?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Nebraska, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Nebraska pay $2,005.68 each year for car insurance. This means drivers in Nebraska pay 34% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Nebraska? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Nebraska, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Nebraska

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-04
  • Mercedes-Benz C 300 4matic
28 year old maleProgressive$60.17$35.83Basic
2020-12-07
  • Nissan Sentra S
22 year old maleProgressive$85.33$264.67Basic
2020-12-26
  • Kia Forte Sx
33 year old maleProgressive$75.83$47.50Standard
2020-12-25
  • Jeep Wrangler Unlimited Sahara
27 year old femaleProgressive$117.67$82.33Standard
2020-12-20
  • Ram 1500 Slt
27 year old maleTravelers$100.25$84.75Preferred

The Cheapest Car Insurance in Nebraska

Which companies offer cheap car insurance in Nebraska? Below, we’ve ranked Nebraska car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Nebraska for Basic Coverage

There’s all kinds of auto insurance you can get in Nebraska, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Nebraska. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Nebraska, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1Progressive$967.88
2CLEARCOVER$1,001.45

Real Jerry Quotes for Basic Coverage in Nebraska

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-10
  • Audi A8 Quattro
  • Ram 1500 Slt
  • Lexus Es 350
26 year old maleProgressive$70.17$93.83
2020-12-16
  • Chevrolet Colorado Z71
  • Ford Expedition El Eddie Bauer
  • Ford Explorer Sport Trac
  • Jeep Compass Limited
  • Ford Escape Se
  • Mazda Tribute Lx
26 year old maleProgressive$119.33$30.67
2021-01-25
  • Chevrolet Silverado K2500 Heavy Duty
18 year old maleProgressive$97.50$160.50
2021-02-08
  • Hyundai Elantra GT
  • Chevrolet Impala Ls
  • Volkswagen Tiguan S
  • Ford F150 Super Cab
51 year old maleProgressive$185.83$314.17
2021-01-10
  • Toyota Scion Fr-s
  • Ford Escape Hev
  • Toyota Highlander Le
39 year old femaleProgressive$91.17$228.83

Average Cheapest Car Insurance for Standard Plans in Nebraska

Most drivers will want more than the basic minimum coverage that Nebraska requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Nebraska, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,226.48
2CLEARCOVER$1,286.73
3Progressive$1,347.95
4Travelers$1,621.02

Real Jerry Quotes for Standard Coverage in Nebraska

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-22
  • Kia Forte Ex
  • Ram 1500 Classic Slt
32 year old femaleProgressive$155.50$84.50
2021-02-17
  • Toyota Tacoma Access Cab
28 year old maleProgressive$69.83$69.17
2021-01-04
  • Chevrolet Silverado C1500 Lt
  • Ford Focus Zx4
  • Chevrolet Monte Carlo Z34
56 year old maleSafeco$122.53$11.47
2021-01-22
  • Ford F150 Supercrew
  • Dodge Nitro Slt
24 year old femaleProgressive$82.67$369.33
2020-12-30
  • Buick Lesabre Limited
19 year old maleProgressive$120.50$46.50

Cheapest Car Insurance in Nebraska for Preferred Coverage

Preferred coverage protects Nebraska drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Nebraska, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,363.14
2Nationwide$1,435.72
3Progressive$1,491.85
4Travelers$1,778.84

Real Jerry Quotes for Preferred Coverage in Nebraska

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-25
  • Dodge Ram 1500
21 year old maleCLEARCOVER$153$36
2021-01-25
  • Ram 1500 Classic Slt
  • Jeep Compass Latitude
23 year old maleTravelers$189.75$70.25
2020-11-22
  • Dodge Charger R/t
30 year old maleProgressive$119$56
2021-02-19
  • Chevrolet Malibu Lt
21 year old maleNationwide$206.52$73.48
2021-02-20
  • Hyundai Accent Limited
40 year old femaleProgressive$115.33$21.67
Insurance companyAverage annual premium in Nebraska
Progressive$1,313.61
CLEARCOVER$1,403.24
Nationwide$1,397.07
Safeco$1,780.60

Cost to Insure Different Cars in Nebraska

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Nebraska drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Nebraska. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-03
  • Ford Focus S
22 year old maleProgressive$58.67$36.33Basic
2020-12-26
  • Dodge Dart Sxt Sport
23 year old maleCLEARCOVER$187.83$79.50Preferred
2021-02-10
  • Ford Fusion S
34 year old maleTravelers$99.25$55.75Standard
2021-02-08
  • Hyundai Tucson Limited
34 year old femaleProgressive$50$41.67Standard
2021-01-03
  • Chevrolet Impala Ltz
19 year old maleProgressive$256.17$243.83Standard
2020-12-27
  • Mini Cooper Countryman
24 year old femaleCLEARCOVER$60$115Basic
2021-01-23
  • Dodge Avenger Express
22 year old maleCLEARCOVER$64.83$168.03Basic

Car Insurance Laws in Nebraska

In recent years, Nebraska roads have been flagged as some of the riskiest to drive in America. In fact, the state’s drivers are ranked as the sixth worst in the country by some estimates, and Omaha was named the worst driving city in 2018.

Naturally, poor driving leads to car accidents, which in turn contribute to elevated car insurance rates. Nebraska sets minimum insurance requirements for motor vehicles to cover both the offender and the offended in an accident. Here’s what you need to know about the auto insurance coverage minimums administered by the state of Nebraska.

What Car Insurance is Required by Law in Nebraska?

When you’re registering a motor vehicle in Nebraska, one of the requirements is to have Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage.

Nebraska is a “comparative fault” state, which is another way of saying it’s an at-fault state when it comes to assessing responsibility for damage and injuries in a car accident. Nebraska’s PIP insurance requirements are intended to cover the medical costs related to the injury of another driver or bystander when you’re at fault. It may also cover emergency transportation and follow-up doctor’s visits as well as lost wages resulting from the accident.

Like PIP, PDL covers expenses related to an accident, but rather than for people, it’s for property damage. Whether you’ve hit someone’s home or business, damaged a fence or tree, or hit city property like a light standard, your insurance policy covers the cost up to the level set out in your plan.

Other mandatory minimum insurance coverages required in Nebraska include uninsured motorist coverage and underinsured motorist coverage. If you’re involved in a collision and the other driver is at fault, underinsured motorist coverage protects you if the other driver doesn’t have any insurance. Likewise, underinsured motorist coverage provides an extra cushion from unexpected costs if the other driver is at fault and doesn’t have enough liability insurance.

Can You Drive a Car without Insurance in Nebraska?

In Nebraska, state law requires that any vehicle be registered and insured to legally operate on the roads. It’s a Class II misdemeanor to drive without current liability insurance, and if you’re convicted, it will result in an automatic driver’s license and vehicle registration suspension.

Reinstating your license and registration requires that you file proof of financial responsibility with the DMV in the form of an SR-22 certificate that your insurer can provide. You’ll also need to pay a $50 reinstatement fee to the DMV in Nebraska.

What Are the Minimum Car Insurance Requirements in Nebraska?

It’s no surprise that minimum auto insurance coverage levels are required to drive in Nebraska. It affords a level of protection for both you as a driver as well as anyone else around you on the road, not to mention property that might become damaged in an accident.

To legally operate a vehicle in Nebraska, you must carry these minimum coverages. Minimum Insurance Requirements in Nebraska

  • Bodily injury per person per accident: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
  • Underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident

Car Registration Information in Nebraska

Car insurance isn’t the only thing to be concerned with in Nebraska. You’ll also need to register your vehicle to legally operate it on the roadways in the state. When you either move to Nebraska or purchase a vehicle, you must register it within 30 days.

In Nebraska, registration is completed with the county treasurer in the county where the vehicle is most often parked. That’s likely going to be the county where your primary residence is, or if it’s a company vehicle, it could be the county where the business is.

For a first-time registration, you’ll need to submit proof of insurance that meets minimum coverages, proof that the sales tax has been paid in the state, and for leased vehicles, a copy of the lease agreement. That’s in addition to your proof of ownership that clearly identifies the vehicle identification number, or VIN.

If you’re renewing your registration, the easiest method is through the online registration renewal portal, although it’s possible to renew by mail or by visiting the county treasurer’s office in person.

Once you register your vehicle for the first time, you’ll be issued a license plate that has to be affixed to your car at all times.

Costs to register a vehicle in Nebraska are as following:

  • An initial registration fee of $15 for passenger vehicles, then every year afterward
  • A $0.50 fee collected as an Emergency Medical System Operation Fund
  • $2 fee that goes toward the Department of Motor Vehicles Cash Fund
  • $1.50 fee collected for the Department of Roads
  • $1.50 County General Fund fee for residents ($5 for non-residents)
  • $3.30 Plate Fee whenever new license plates are issued.
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