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Cheap Auto Insurance in Nebraska: Best Companies & Quotes
Joanna Johnson
Car Insurance Expert
Updated: 04/2021
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in Nebraska
- Nebraska Farm Bureau
- State Farm
- American Family
- Nationwide
- Progressive
- Allstate
| Nebraska Farm Bureau | State Farm | American Family | Nationwide | Progressive | Allstate | |
|---|---|---|---|---|---|---|
| AM Best Financial Strength Rating | A | A++ | A | A+ | A+ | A+ |
| JD Power 2019 Overall Customer Satisfaction score | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| Avg Annual Premium | $344 | $389 | $509 | $595 | $611 | $682 |
| Consumer Reports Reader Score | N/A | 78 | 89 | N/A | 75 | 72 |
| BBB Rating | A+ | A+ | A | A+ | A+ | A+ |
Auto Insurance Statistics in Nebraska
Auto insurance rates in places like Omaha, Nebraska have been significantly lower than the national average for many years. Drivers in the state can enjoy taking advantage of these low auto insurance rates when taking out car insurance policies.
Top 10 Cheapest Car Insurance Companies in Nebraska
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Safeco | $496 |
| 2 | American National P&C | $641 |
| 3 | The Hartford | $856 |
| 4 | General Casualty | $1,043 |
| 5 | Farm Bureau Mutual (IA Group) | $1,138 |
| 6 | Allied | $1,161 |
| 7 | Nationwide | $1,165 |
| 8 | Farmers Mutual of Nebraska | $1,233 |
| 9 | USAA | $1,264 |
| 10 | Cal Casualty | $1,283 |
Drunk Driving Fatalities
Drinking and driving is not only dangerous, it is often deadly. To avoid fatalities from drinking and driving, it is essential that drivers consider abstaining from operating a vehicle when under the influence of alcohol. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Nebraska vs. nationwide.
Drunk driving fatalities in Nebraska from 2013 to 2017
Source: The National Highway Traffic Safety Administration
Teen Drinking and Driving
Teen drinking and driving in Nebraska has been quite lower than the national average. This data shows that fewer teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of Nebraska drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Nebraska vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Nebraska
If you live in Nebraska and your license is revoked, the DMV will most likely request that you submit SR-22 insurance if you want to be reinstated as a legal driver. This form of insurance will need to cover basic liability and property damage requirements for the state for a predetermined amount of time (depending on your offence). If you cancel the policy, your insurance company will tell Nebraska’s DMV.
But don’t worry, SR-22 insurance doesn’t need to be as difficult as it sounds. As long as you commit to comparing multiple insurance providers around the country, you’ll be well-positioned to find an affordable policy that provides the basic level of coverage that you need to get back on the road.
Car Theft in Nebraska
Car theft in Nebraska has fluctuated over the past few years with some years being higher or lower than the national average. By finding out about the rate of car theft in Nebraska, drivers will have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank nationwide vs. Nebraska
Source: www.FBI.gov
Uninsured Motorists in Nebraska
Driving without sufficient auto insurance is risky yet many drivers continue this practice in the state of Nebraska. If you are in an accident with an uninsured or underinsured driver, you will need to pay out of pocket for the accident related expenses. For this reason, it is beneficial to have uninsured and underinsured motorist coverage. The below data shows how well Nebraska ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
The average cost of car insurance in Nebraska is around $701, but you can get a policy for a lot less if you know where to look. Not everyone can get the same insurance policy as their neighbors or friends, but there are ways you can lower your own policy to either beat this or at least beat what you’re paying now. Nebraska drivers want to pay less for their car insurance, but they aren’t always positive where to look and how to achieve a lower rate. There are always options available for drivers, but you might not be able to lower your rates as much as you’d like if you have bad credit or a poor driving history.
Your credit is one of the most important factors a car insurance company considers when offering you a policy. Your bill payments, your credit utilization, and many other factors found on your credit report tell insurance companies a story about how reliable and responsible you are. If you can’t make your bill payments on time, there is a greater chance you will cost the company more money. This is why they charge you more money for insurance if your credit is poor. You won’t be denied an insurance policy, but you will pay far more for one than many other drivers in the same area.
Your driving history is the other most important thing insurance companies look for when offering you a rate, and that’s just common sense. They want to know if you have a long history of speeding, causing accidents, or being involved in accidents. If you have good credit and a clean driving record, you might be able to get a much lower rate for your insurance premium using a few of these tips.
How To Save on Car Insurance in Nebraska
Join Professional Organizations
Are you part or a professional organization such as AAA or the farm bureau? If you are and you live in Nebraska, you might qualify for lower rates for your insurance premiums. All you have to do is let your insurance company know and provide them with proof of your membership to ensure you get the discount offered.
Pay Your Bills Upfront
Rather than making the decision to pay your insurance using a monthly payment method, pay it six months or a year in advance. This is a great way to save for several reasons. The first is most insurance companies offer a discount for these people. You get a discount for paying upfront because they’re getting their money without worrying you won’t pay one month.
Additionally, may insurance companies charge you a monthly fee to bill you and debit your fee from your bank account. You can also opt to have all your statements and communication sent to you via email rather than standard mail. This is a savings to you. You could save hundreds each year by offering to have your paper correspondence ended and by paying upfront.
Check Rates Everywhere
You needn’t call every single one of the dozens of insurance companies in Nebraska to find the one with the lowest rates, but you should find several and compare prices at all of them. Some have different requirements and stipulations than others, and this means they offer different rates. You can also ask your own insurance company for a discount simply because you’re a good customer. If they know you’re looking around for some lower rates, they might offer to match those or beat them so they can keep you on board if you’ve been a loyal customer to them.
Finding the best rates isn’t always difficult, but it’s more of a challenge for those who have a negative credit history or a poor driving record. You can’t change the rates offered to you with these, but you can start making better life decisions and hopefully pay lower rates in later years as a result. Now is the time to get serious about finding lower rates and paying smaller bills. Talk to your insurance company to find out if there are any options available to you for a lower rate, and you might be surprised how many are.
Types of Auto Insurance Coverage in Nebraska:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Nebraska
There are minimum requirements for car insurance in the state of Nebraska. According to The Nebraska Department of Insurance, it is mandatory to have liability coverage for every registered driver who is operating a vehicle in the state.
Liability Coverage minimums for the state of Nebraska:
$25,000 per individual to cover bodily injury or death
$25,000 for property damage
$50,000 per accident involving bodily injuries or deaths
Source: Nebraska Department Insurance
New Driver Licensing Requirements
Residents in the state of Nebraska will have 30 days in which to get an official state driver license. Nebraska requires all new drivers that are under 18 years of age to take part in its Graduated Driver License (GDL) program. The Graduated Driver License program has three levels before the applicant can get their driver’s license.
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to help you save as much as possible on your auto insurance rates. This is why we have gathered a list of the most common types of auto insurance discounts available. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in Nebraska each year.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
FAQ
General Auto Insurance in Nebraska
This frequently asked question sections answer all questions pertaining to general auto insurance in the state of Nebraska.
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How old do you have to be to get insurance in Nebraska?
In the state of Nebraska, you have to be a minimum of 18 years of age or older in order to have insurance. However, if you have your license, a vehicle and are under the age of 18, you can still have insurance but may have to go on your parent’s insurance policy.
When buying a new car in Nebraska, how long do you have before you have to have insurance on it?
In Nebraska, when you are buying a new car, you have only a few hours to put insurance on the car. You cannot leave the car dealership without having existing insurance on the car. If you don’t already have a policy you can purchase auto insurance online through our site. There are plenty of fast car insurance options available out there including through our site.
What is the legal age for someone to apply for car insurance in Nebraska?
The legal age for someone to apply for car insurance in Nebraska is 18 years old. However, if a teenager owns a vehicle and is under the age of 18, they can be placed under their parent’s or guardian’s insurance policy.
When did auto insurance in Nebraska become mandatory?
Auto insurance in Nebraska became mandatory around the same time most states in the United States made it mandatory to insure vehicles: 1927, even though the first state to require insurance was Connecticut in 1925.
When does my kid need car insurance in Nebraska?
Your kid will need car insurance in Nebraska the moment they have a car to drive, whether it is their own or yours. You will also need your kid to be put on car insurance the moment they have their learner’s permit or driver’s license.
In Nebraska, can an auto insurance company tell you where you have to go for repairs?
Yes and no. While most auto insurance companies have a list of repair shops that they recommend in your area, as it will helps save on labor and parts, it is ultimately up to you which repair shop you use.
What is the legal age for someone to pay for car insurance in Nebraska?
The legal age for someone to pay for their car insurance in Nebraska is 18. A person over the age of 18 can purchase their own insurance policy with the use of a valid driver’s license and a working vehicle. Some of our visitors have asked about getting car insurance with no deposit and we discuss this in another article. Related: Can I get car insurance without a license?
How long do you have to get insurance on a Nebraska car?
Upon registering a new vehicle or purchasing a used car, you only have a few hours to add insurance onto the car. It is illegal to drive any car on Nebraska roads without current proof of insurance. Complete our form above to get local car insurance quotes fast.
How soon do I have to get auto insurance after buying a car in Nebraska?
You will have to get auto insurance for a new car that you have purchased in Nebraska before you leave the dealership with it. Most dealership will not let a car leave the lot without the correct amount of insurance coverage on a vehicle.
How to shop for car insurance without agents contacting me in Nebraska?
The best way to shop for car insurance without agents contacting you in Nebraska is by using online sources. When searching, be wary of websites that have a contact box which asks for your phone number.
How do I locate what insurance a Nebraska car has?
The best way to locate what insurance a car in Nebraska has is to ask for proof of insurance directly or to contact the Department of Insurance in Nebraska directly with the license plate of the car and model of car.
What is the rule in Nebraska for sharing the cost of auto insurance in a divorce?
The rule for sharing the cost of auto insurance in a divorce in Nebraska is that both parties are supposed to share the cost of the insurance if they are both on the same policy. However, one party member can remove themselves from the insurance policy if desired.
In Nebraska, is car insurance cheaper for someone who is under 25 when the parent owns the car?
No. In Nebraska, the price of car insurance for someone who is under the age of 25 even if their parent owns the car is still the same if you were to own the car yourself. The price of insurance will drop after you reach the age of 25.
What do I need in Nebraska for car insurance?
What you need in Nebraska for car insurance is a valid state of Nebraska driver’s license, the VIN number of the vehicle to be insured and the money to cover the first month’s premium payment. If you are asking about a collectors car then you would want to get classic car insurance quotes for that since it costs less.
When to transfer a vehicle onto insurance policy after buying a used car in New Hampshire?
To transfer a vehicle onto an insurance policy after buying a used car in New Hampshire, you will want to do it immediately as you will not be able to leave the dealership without adding insurance to the car you have purchased.
How does car insurance work in Nebraska for new drivers?
Car insurance in Nebraska works for new drivers by covering them in the case of an accident or for damages that occurs if not in an accident. This insurance typically provides collision and comprehensive coverage for damages. To get the best car insurance for young drivers its going to take a little shopping around and you can start by entering your zip code above.
How to cancel an auto insurance policy in Nebraska?
The best way to cancel an auto insurance policy in Nebraska is to contact the insurance company directly via their customer service number. Keep in mind that the insurance company may have cancellation fees associated with terminating your policy.
Who can drive my car under my insurance in Nebraska?
You can have anybody drive under your insurance in Nebraska. However, it is important to remember, that if a person is not on your insurance policy, you may not be covered for damages in the case of an accident.
How long do you have to file an auto insurance claim in Nebraska?
In Nebraska, you will have approximately 7 to 30 days to file an auto insurance claim. However, the sooner you can file a claim, the faster you can receive money to cover for damages received in an accident.
Auto Insurance in Nebraska Coverage
In this section, you will find commonly asked questions pertain to the coverage of auto insurance policies in Nebraska.
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In Nebraska, if someone is driving your car and gets into an accident, whose insurance covers it?
In Nebraska, if someone is driving your car and gets into an accident, nobodies’ insurance will cover it. The costs associated will have to come out of pocket. Most insurance companies will not cover damages on a vehicle if it is not on the driver’s insurance policy.
How much comprehensive insurance do I need for a car in Nebraska?
In Nebraska, the minimum comprehensive insurance coverage that you need for a car is as much as you want. In the state of Nebraska, comprehensive auto insurance coverage is not required by state law.
What are the minimum car insurance requirements in Nebraska?
The minimum car insurance requirements in Nebraska is liability coverage. This coverage must have a $25,000 limit per person, $50,000 limit per accident and a $25,000 limit for property damage protection.
In Nebraska, whose insurance pays in a car accident?
Since Nebraska is considered a “fault” state, the driver who is responsible for causing the accident will have to have their insurance cover all of the bodily and property damages caused by the accident.
What is full coverage auto insurance in Nebraska?
Full coverage auto insurance in Nebraska is auto insurance coverage that include not just the state minimum liability coverage, but an extended amount of cash protection for collision coverage and comprehensive coverage. It is possible to get full coverage car insurance cheap if you find the right company.
What is the best car insurance in Nebraska?
The best car insurance in Nebraska is State Farm auto insurance. State Farm auto insurance offers competitive rates for liability insurance at approximately $985 for a yearly premium and perfect for average American’s living in low-risk areas. You might also find it interesting to do a car insurance comparison by state to see how much you’re paying versus your neighbors.
Who is covered under Nebraska liability car insurance?
The people who are covered under Nebraska liability car insurance are those that are listed on the insurance policy. Keep in mind, if a driver not on your policy drives your car and gets into an accident, you will be responsible for covering damages. While liability car insurance only is cheaper it may not be enough coverage depending on your circumstances.
What coverage should I choose for Nebraska car insurance?
The type of coverage you should choose for Nebraska car insurance will depend on your budget. If you don’t want to spend too much money, it is best if you purchase the state mandatory minimum auto insurance. For example check out the average car insurance cost for 23 year old male drivers.
In Nebraska, with a car that is 15 years old, what type of insurance do you need?
In Nebraska, if you have a car that is 15 years old or older, the type of insurance that you need is classic car insurance. This type of insurance includes the state mandatory minimum plus additional monetary protection in the case of an accident.
What is Nebraska state law in regard to having car insurance?
Nebraska state law in regard to having car insurance states that all drivers must have a minimum liability insurance protection on any vehicle they drive with a minimum bodily injury protection amount of $25,000 and property damage protection of $50,000.
What is personal injury protection on auto insurance in Nebraska?
Personal injury protection on auto insurance in Nebraska means that in the case of an accident, you will personally be covered under your insurance for up to a certain amount. This can also pertain to other drivers that are injured in an accident you have caused.
How to buy motorcycle insurance in Nebraska?
You can buy motorcycle insurance through insurance company websites. Compare motorcycle insurance to see different prices and make sure you get the best rate.
Car Insurance Company Specific
In this section, you will find commonly asked questions pertaining to specific car insurance companies in Nebraska.
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Which insurance companies are the cheapest in Nebraska for auto and home?
The best insurance companies with the cheapest rates in Nebraska for both auto and home insurance are:
- State Farm Insurance
- Farm Bureau Mutual
- Nationwide Insurance
- Farmers Mutual of Nebraska
- MetLife Insurance
- American National Insurance
What insurance company has the cheapest auto insurance in Nebraska?
The auto insurance company with the cheapest auto insurance rates in Nebraska is State Farm. State Farm offers the lowest rates for the state minimum coverage with a cost of $350 for a yearly premium. See which state has the cheapest car insurance.
If there is a lien on your car, what type of insurance is required in Nebraska?
If there is a lien on your car, the type of car insurance that is required in Nebraska is full coverage auto insurance if that is what the bank requires on a vehicle. If not, driver’s can insure their car with the state minimum liability insurance.
Who governs auto insurance companies in Nebraska?
The body that governs auto insurance companies in Nebraska is the Nebraska Department of Insurance. The Department of Insurance is responsible for investigation consumer complaints against insurance companies and regulates insurance companies and insurance agents operating in Nebraska.
What are auto insurance companies who can sell in Nebraska?
The auto insurance companies that are allowed to sell insurance in the state of Nebraska include:
- State Farm Insurance
- GEICO Insurance
- Farm Bureau Financial Services
- American Family Insurance
- Farmers Mutual Insurance of Nebraska
- Nationwide Insurance
- Allstate Insurance
- Progressive Insurance
- General Casualty Insurance
- Auto Club Group
- Allied Insurance
- North Star Insurance
Read more about renewing car insurance with your current company or a new one if you’re looking for better rates.
What car insurance companies in Nebraska have accident forgiveness?
Car insurance companies in Nebraska that offer accident forgiveness as part of their regular insurance policies are:
- GEICO insurance
- Liberty Mutual Insurance
- Nationwide Insurance
- Progressive Insurance
- State Farm Insurance
- Allied Insurance
What violations are reported to insurance companies in Nebraska?
The type of violations that are reported to insurance companies in Nebraska are:
- DUI or other drug related driving offenses
- Speeding tickets
- Accidents that you have caused
- Reckless driving tickets
Insurance Rates in Nebraska
In this frequently asked question section, you will find common questions pertaining to the price of insurance rates in Nebraska.
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How much is car insurance in Nebraska?
The average cost of car insurance in Nebraska can range from the lowest amount of $978 for the year to as high as $1,264. This depends on various factors such as county you reside in, if you live in high-risk cities or personal driving record. Read more: How much is insurance for a car?
How can I estimate how much my car insurance will be in Nebraska?
The best way that you can estimate how much your car insurance will be in Nebraska is to request a quote from various insurance companies. Each insurance company will give you a ballpark estimate that is as close to the actual amount you will pay per month or per year. Learn more ways to get cheap auto insurance in Nebraska.
Who has the cheapest auto insurance in Nebraska?
The cheapest auto insurance in Nebraska is State Farm Insurance. State Farm Insurance offers the lowest auto insurance for low-mileage drivers, state mandatory minimum insurance, drivers with bad credit and drivers with a one at-fault crash on their driving record. You may want to get a AAA insurance quote too and compare.
How much does low mileage save on car insurance in Nebraska?
Low-mileage can help save you on your car insurance rates in Nebraska because the less you use your car, the less of a risk there is for you to get into an accident and the less money an insurance company will have to pay out of its own pocket for damages. However, if you qualify, auto insurance for military members can be rather cheaper.
How much is high risk car insurance in Nebraska?
Depending on the type of coverage you apply onto your car, car insurance in Nebraska can range in price from $795 a year to as high as $2,000 a year. This includes the state mandatory minimum insurance, full coverage insurance, collision coverage and comprehensive coverage.
How much does car insurance cost per month in Nebraska?
The cost of auto insurance per month in Nebraska can range in price from $65 for the mandatory state minimum liability coverage to as high as over $100 a month for full coverage including comprehensive and collision coverage. Some visitors have asked if there is car insurance for low income and we’ve been unable to confirm if such a product exists with any insurers. There is the possibility of getting month to month insurance depending on which company you talk to.
What county in Nebraska has the best car insurance rates?
The county in Nebraska that has the best and lowest car insurance rates is Saunders County. This is because Saunders County is a low-risk insurance area and low mileage areas in Nebraska.
How much will my auto insurance increase if I become an Uber driver in Nebraska?
Your auto insurance will increase if you become an Uber driver in Nebraska if you don’t have the minimum state required insurance. If your insurance does not increase, it is recommended that you look into purchasing supplemental commercial insurance auto insurance to cover potential damages while you are working. Also take a look at rideshare insurance cost which is something some drivers will carry in addition to what Uber provides.
In Nebraska, how long will a DUI affect car insurance price?
In Nebraska, a DUI can affect your car insurance price for up to 3 years. However, this depends if the state of Nebraska decides to keep the offense on your driving record for longer than 3 years. If so, your insurance rates may be higher for a longer period of time. Take a look at high risk insurance companies that may offer coverage if you have a conviction. Learn more: How much does sr22 insurance cost a month?
How does Nebraska insurance compare to Iowa?
Nebraska can be a little bit higher annually than Iowa. However this may be different for other policy types such as Iowa sr22 insurance or commercial vehicle coverage.
No Insurance in Nebraska
In this section, you will find commonly asked questions pertaining the lack of insurance in Nebraska.
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What is the fine for getting caught with no insurance in Nebraska?
The fine for getting caught driving with no insurance in Nebraska can range from $100 to $500. This depends on the number of no insurance offenses you have and whether or not your license was suspended at the time of getting caught. Related: How much is insurance on a salvage title?
What happens when you don’t have car insurance in Nebraska?
If you don’t have car insurance on your car in Nebraska, it is considered against the law. Driving with no insurance can result in serious fines, penalties and jail-time depending on how many no insurance offenses you have on your driving record.
In Nebraska, what happens when there is no auto insurance on a registered car?
In Nebraska, if there is no auto insurance on a registered car, you can receive serious fines or penalties if you are caught driving with no insurance. It is the driver’s responsibility to maintain a continuous proof of insurance during the entire time the car is registered in the state of Nebraska.
What would happen when you yourself have car insurance for another car, but have an uninsured car in Nebraska?
If you have car insurance for another car, but have an uninsured car in Nebraska, you can not drive the uninsured car on Nebraska roads. It is against the law to drive an uninsured vehicle and doing so can result in serious consequences.
Cheap Car Insurance Near Me in Nebraska
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