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The average cost of basic liability car insurance in Nebraska is $2,214 per year. Opting for full-coverage car insurance in Nebraska will leave you with an average cost of $2,690 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare Best Car Insurance Quotes in Nebraska
The averages in the table above are just that—the average cost of car insurance from each company before and after Jerry. When you shop in the app, you might find quotes that are higher or lower than those average rates.
Remember, your profile matters. A bad credit score can raise your rate, and your driving history can also influence how much you pay. If you’ve got teen drivers or multiple insurance claims on your policy, that changes things, too. Every driver is different, and so is every quote.
Here are some real quotes and savings from customers in Nebraska who switched with Jerry:
USAA, State Farm, and GEICO are three of the best car insurance companies in Nebraska—but they don’t have the best rates for every driver in the Cornhusker State!
That’s because every auto insurance company uses a slightly different methodology to calculate every driver’s annual premium. Some companies care more about your credit history or your homeowners’ profile.
That’s why just comparing a couple of car insurance quotes might not get you the best rate. If you only look at Nationwide and Progressive, you’ll know which is better for you—but what if your lowest rate is actually with Allstate, or even a smaller regional company you’ve never heard of? You won’t know until you compare.
On average, drivers in Nebraska pay around $1,100 per year for full coverage car insurance. But remember—a number of individual factors go into calculating a driver’s car insurance premiums, so what’s “normal” for one driver may be extremely low or extremely high for another.
Is $200 a lot for insurance?
Since Nebraska car insurance prices run on the higher side, a $200 monthly rate is actually on the cheaper end of average.
Which month is car insurance cheapest?
Generally speaking, insurance providers charge the same rate per month for insurance. That said, many insurers offer discounts to drivers who choose to pay their policies in full or 6 months at a time rather than monthly.
Is it illegal to not have car insurance in Nebraska?
Yes. All car owners in Nebraska are required by law to carry the following minimum levels of auto insurance:
- Bodily injury: $25,000 per person and $50,000 per accident.
- Property damage: $25,000 per accident.
- Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
How much does car insurance cost in Nebraska?
Lucky for you, Nebraska car insurance costs are below the national average in most cases.
There are a few reasons for that. As a mainly rural state with low population density, Nebraska has a lower-than-average car accident rate. Nebraska also has a fairly low number of uninsured motorists—less than one in 10 drivers—making the roads safer and claims more affordable. Finally, Nebraska car repair costs are fairly affordable across the state, making claims smaller and annual rates manageable.
Here’s a rundown of what you need to know about car insurance in Nebraska.
In Nebraska, minimum insurance requirements are $25,000 for bodily injury liability per person, $50,000 of bodily injury liability for each accident, and $25,000 of property liability for each accident. These minimum requirements are known as the 25/50/25 rule.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Nebraska a no-fault state?
No, Nebraska is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
If you stick to the minimum requirements, you’ll be in compliance with the law but you might not be able to cover all your expenses. That’s because liability-only insurance won’t pay for damages to your vehicle—especially from anything other than an accident.
Enter collision insurance and comprehensive insurance, which together make a “full-coverage” policy when added to state minimum coverage. Collision insurance pays for damage to your vehicle caused by a collision—even if you’re at fault—and comprehensive covers repairs due to events like severe weather, vandalism, and theft.
Use the chart below to estimate the added cost of these important coverage options.
In Nebraska, those tickets will follow you for a long time. Nebraska insurance companies can look at the last 15 years of your record, meaning that you could be living with those high premiums long after that chapter of your life has closed.
So, what can you do if you’ve got a violation following you everywhere? Shop with Jerry. No matter what your record looks like, Jerry has the power to find you savings.
It’s an unavoidable fact: Nebraska drivers under age 25 pay some of the highest rates on insurance.
That might feel like discrimination, but it’s based on statistics. Because young drivers are less experienced, they’re more likely to have accidents and violations on their records. Those things will raise your rate no matter your age—but a teen driver with a clean driving record will still pay more than an adult due to the statistical risk they pose.
In Nebraska, the statistics are even worse. In fact, Nebraska ranks 37th out of all 50 states for teen driver safety, making Nebraska teenagers especially high-risk insurance prospects.
So what can you do to find affordable coverage—other than waiting for your 25th birthday? Turns out, there are a lot of ways for young drivers in Nebraska to save money on auto insurance. Here are a few:
How can young drivers save money on car insurance in Nebraska?
Build a good credit score (remember, poor credit can raise your rates)
Where you live in Nebraska can have a significant impact on your insurance rates. For instance, you’re more likely to save on insurance in rural areas where accidents are infrequent—unless you live in an area with a high rate of car accident fatalities, such as near a major highway interchange.
As an example of how the location and population density of your ZIP code can affect insurance rates, let’s compare Omaha insurance costs and Lincoln insurance costs. Both cities are among the biggest in Nebraska, but Omaha’s population is close to twice the size of Lincoln’s, and Omaha sits on the state line at the intersection of multiple major highways. As a result, Omaha drivers pay higher rates—nearly $400 more a year, on average!
Here’s a more specific breakdown of insurance prices for Jerry across Nebraska:
Hickman has the longest commute time in Nebraska at 27.8 minutes, on average. Longer driving times means more risk of an accident, not to mention the miles you’ll be adding to your vehicle—all of which raise premiums.
It shouldn’t come as a surprise to you that insurance companies are also looking at your car when they set your rate—and owners of more expensive vehicles pay more for insurance. But the overall value of your vehicle isn’t the only thing that affects its insurance costs.
The cost of repairs, availability of parts, and specialized service needs of your vehicle also matter, as do theft rates, safety ratings, and vehicle usage. For example, your Ford Bronco Sport insurance costs will be lower if you don’t drive often than if you take it to work every day and off-road every weekend.
Check out the features below to see how what you drive could impact your insurance costs in Nebraska.
Do you need more than the minimum car insurance in Nebraska?
Most states have minimum insurance requirements that you must meet to hit the road. But meeting Nebraska’s minimum coverage limits is just the beginning. Most experts recommend opting for a higher coverage level and adding optional insurance such as personal injury protection (PIP), collision insurance, and comprehensive coverage.
Remember, liability insurance only covers costs for other drivers if you’re in an at-fault accident. And your uninsured/underinsured motorist coverage only kicks in if you’re hit by a driver without sufficient insurance. For everything else, you need a full-coverage car insurance policy. A full-coverage policy with collision and comprehensive will protect you in a wide variety of circumstances, and it’s almost always worth the investment.
For more ideas on the types of insurance to add to your policy, check out the features below!
Nebraska residents rate the state a 6.5/10 for road quality, which places Nebraska road quality slightly above average.It’s hard to avoid every pothole, so make sure you have help when you need it by having roadside assistance.
How to lower car insurance premiums in Nebraska
If you’re dealing with unmanageable insurance costs in Nebraska, it’s time to find a lower premium. Here’s how to do that—without spending hours comparing rates!
Shop around for quotes
Comparison shopping is still the best way to lower your premium—but it can take time if you do it on your own. It's a good idea to get quotes from at least three different insurance companies. To make things easier on yourself, work with an insurance broker or use a car insurance comparison app like Jerry.
Look for discounts
Just about every insurance company offers discounts, but you won’t always hear about them unless you go looking. Below are some common discounts worth looking for in Nebraska:
Car insurance customers who also get home or renters insurance with the same carrier can get a bundling discount.
Automatic Online Payments
Paying online consistently is an easier and more cost effective way of handling your payments and can help you see a reduction in your rates.
Safety Ratings and Anti-theft Discounts
Vehicles that have high safety ratings and anti-theft technology mean you’re safer in your car. Carriers will offer lower rates for safer vehicles.
Increase your deductible
Do you have collision or comprehensive coverage on your auto insurance policy? If you do, you’ve also got a deductible—the amount you agree to pay out of pocket before your insurance kicks in on a claim.
Most car insurance deductibles range from about $250 to $1,000, and the higher the deductible, the lower your month-to-month costs will be. You can always raise your deductible to unlock a lower monthly rate—but never choose a deductible that’s higher than what you could realistically pay out of pocket!