Not Every State Saw Decreased Car Insurance Rates During the Pandemic

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Last year during the pandemic, most states saw sizable decreases in car insurance rates.
After all, when COVID-19 infection rates were high in 2020, many businesses closed and more employees began working from home. With fewer people on the road, there were also fewer car accidents and claims—allowing car insurance rates to decrease.
But even so, not every state saw decreases in car insurance rates in 2020. In fact, car insurance rates in Nebraska actually rose about 5%during the pandemic. It was even worse in the city of Omaha.
A view of a Nebraska highway taken from the passenger seat of a car on a cloudy day.
Nebraska drivers saw increasing car insurance costs in 2020 | Twenty20

Car insurance rates over recent years

According to The Wall Street Journal, 2020 marked the first national decline in car insurance rates since 2013.
After 2013, rates increased because lower gas prices during an economic recovery in the U.S. reportedly led to more drivers on the road. Some insurers even say that during these years, there was an increase of crashes caused by distracted driving, as well as an increase in adverse weather conditions.
Finally, car insurance rates decreased by nearly 4% on average nationally in 2020 because traffic volume decreased by about 50% during the course of the pandemic.
In addition, many policyholders even received 15 to 20% a month premium refunds from insurance companies in the spring of 2020.
Last year, some companies took other steps to help customers during that unprecedented time, such as suspending cancellations for non-payment for a period of time and allowing payment arrangements for past due balances.
There were even special programs for low-mileage drivers and temporary price reductions put in place.

Nebraska’s car insurance rates

When calculating car insurance rates, insurance companies look at a few factors, including how many miles you drive annually, accident history, age and your zip code.
So even with all these methods put in place by companies to help consumers in 2020, interestingly, car insurance rates still increased in Nebraska. Also in Omaha, residents are paying even more, simply because of where they live, according to KMTV 3 News Now.
In fact, some residents in the downtown area of Omaha are paying $600 more per year for the same car insurance as those who live in more rural or suburban areas, according to the report.
Car insurance rates increase when there are more accidents or claims made in a certain area. Now that insurance rates are rising again with more people out on the road, Omaha residents may see their car insurance rates increase further.

Save no matter what state you live in with Jerry

If you live in Ohama or anywhere else and are worried you are paying too much for car insurance, Jerry can help.
Without long forms, Jerry’s free app compares quotes from up to 45 different insurance companies for you in under a minute, helping you save as much money as possible, despite increased car insurance costs.
As a licensed broker, Jerry also takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis.

Compare Car Insurance for Your Car

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free

Compare Car Insurance for Your State