Best Car Insurance in Nebraska

Last Updated on May 15, 2021

Nebraskans pay cheaper car insurance premiums than the average American. The average driver in Nebraska pays around $1,389 per year for full coverage car insurance, while the average American pays around $1,450 per year.

Many Nebraskans pay significantly less than that by taking advantage of discounts, shopping around, and choosing the best insurer. Different insurers specialize in insuring different types of drivers. Some welcome older drivers who live in rural areas, for example, while others charge low rates to young drivers in urban areas.

What is the best car insurance in Nebraska? How much should you pay for car insurance in Nebraska? Today, we’re telling you everything you need to know about the best auto insurance in Nebraska.Best Car Insurance in Nebraska

Table of Contents:

Top 10 Auto Insurance Companies in Nebraska

Nebraska isn’t the largest or most populous state in America, but Nebraskans have plenty of options for car insurance. From homegrown insurers to nationwide providers, the best Nebraska insurance companies provide good car insurance at a reasonable rate.

  1. USAA: USAA serves members of the military and their families, providing affordable car insurance, home insurance, and other insurance products. The company is one of the country’s best-rated providers for claims satisfaction and customer service. If you qualify for membership, then you can get some of the best car insurance in Nebraska with USAA. Expect to pay around $1,101 per year for full coverage car insurance with USAA in Nebraska.
  2. GEICO: GEICO is the second-largest car insurance company in the United States. They insure thousands of drivers across Nebraska. Originally founded to serve government employees, GEICO is now available to anyone. GEICO’s rates are relatively cheap in Nebraska, with drivers paying around $1,139 per year for full coverage car insurance.
  3. State Farm: State Farm is America’s largest car insurance company, so it makes sense they have a strong presence in Nebraska. Although rates aren’t quite as cheap, on average, as the two providers above, State Farm combines competitive prices with strong claims satisfaction. Expect to pay around $1,161 per year for full coverage car insurance.
  4. Progressive: Progressive has excellent and unique coverage options you won’t find from other providers, including gap coverage (also known as lease coverage), custom parts and equipment coverage, diminishing deductible policies, and more. With above-average scores for claims satisfaction, Progressive charges rates of around $1,193 per year for full coverage car insurance in Nebraska, according to our model driver profiles.
  5. Auto-Owners: Auto-Owners insures drivers across the country, including drivers in Nebraska. Popular and well-rated, the company’s rates compete with its biggest competitors above. Our model driver profiles received an average estimate of around $1,241 per year from Auto-Owners in Nebraska.
  6. Nationwide: Known for its catchy jingles and countrywide coverage, Nationwide offers the amenities of a large insurer while maintaining competitive rates and above-average claims satisfaction. Expect to pay around $1,264 per year with Nationwide in Nebraska.
  7. Farmers Mutual of Nebraska: Available to farmers and non-farmers alike, Farmers Mutual of Nebraska is one of the state’s most popular insurance companies. It’s also the only insurer on this list based in Nebraska. Farmers Mutual of Nebraska charges rates of around $1,301 per year, according to our model driver profiles.
  8. American Family: American Family Insurance sells policies through independent agents across Nebraska. The company has low rates, good customer service, and above-average claims satisfaction, among other perks. Drivers in Nebraska can pay approximately, $1,331 per year with American Family.
  9. Farmers: Not to be confused with Farmers Mutual of Nebraska, Farmers is one of America’s top 10 largest car insurance companies. The company offers the amenities of a large insurance company along with competitive rates, strong claims satisfaction, and good customer service. Expect to pay approximately $1,402 per year with Farmers in Nebraska.
  10. The Hartford: The Hartford is the right choice for safe drivers, including experienced drivers or those with other factors that lower risk. The Hartford’s rates can be as low as $1,000 per year if you take advantage of discounts, with most drivers paying around $1,421 per year.

Nebraska Insurance Requirements

Drivers in Nebraska are required to carry a certain minimum amount of bodily injury liability coverage, property damage liability coverage, and uninsured/underinsured motorist coverage. You cannot legally drive on the road in Nebraska unless you carry proof of insurance.

Nebraska requires drivers to carry minimum car insurance of 25/50/25, which includes:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage
  • $25,000 of uninsured/underinsured motorist bodily injury coverage per person, $50,000 of uninsured/underinsured motorist bodily injury coverage per accident

These are the minimum insurance requirements from the state of Nebraska. If you are leasing or financing your vehicle, then your lender may require additional coverage. Many drivers also choose to carry added coverage for peace of mind.

Driving Without Insurance in Nebraska

It’s illegal to drive without insurance in Nebraska. If you are caught driving without insurance, then you could face serious penalties, including license suspension, SR-22 requirements, and more.

First Offense: SR-22 requirement for a maximum of 3 years, $100 fine

Second & Subsequent Offenses: SR-22 requirement for a maximum of 3 years, $100 fine

If you are caught without proof of insurance but can later prove you had valid coverage on that date, then you will not face any fines, SR-22 requirements, or other penalties.

Overall, Nebraska has some of the weakest uninsured driving penalties in the country. While other states require jail time or hefty fines for driving uninsured, Nebraska simply requires an SR-22 (a certificate of financial responsibility from your insurer) and a $100 fine.

Car Insurance in Nebraska with DUI

Nebraska has one of America’s longest DUI lookback periods. If you are convicted of a DUI, then this DUI remains on your record for 15 years. If you receive a second DUI within this period, then you’ll face harsher penalties. Nebraska also has harsher punishments for DUI convictions where the driver’s BAC was 0.15% or higher. Penalties also increase for DUI convictions that caused injury or death.

However, different insurance companies treat DUIs in different ways. By shopping around, you can continue paying competitive rates for car insurance even after one or two DUI convictions:

  1. USAA: $1,752 per year
  2. GEICO: $1,890 per year
  3. Progressive: $1,913 per year
  4. Nationwide: $2,013 per year
  5. Farmers Mutual of Nebraska: $2,121 per year

Car Insurance in Nebraska with At-Fault Accidents

Insurance companies in Nebraska always check your driving record before assigning a policy. They use your driving record to predict your risk. If you have one or more at-fault accidents on your driving record, then you’ll pay more for car insurance.

However, some insurance companies treat at-fault accidents in different ways. Consider requesting a quote from any of the following insurers if you have at-fault accidents in Nebraska:

  1. USAA: $1,483 per year
  2. GEICO: $1,582 per year
  3. Allstate: $1,601 per year
  4. Farmers Mutual of Nebraska: $1,688 per year
  5. Progressive: $1,691 per year

Car Insurance in Nebraska with Speeding Tickets

A minor speeding ticket is unlikely to cause car insurance to skyrocket. However, multiple speeding tickets or a serious speeding ticket could lead to higher premiums. If you have a speeding ticket in Nebraska, then consider requesting a quote from any of the following insurers, which continue to charge competitive rates even after one or more speeding tickets:

  1. USAA: $1,188 per year
  2. GEICO: $1,282 per year
  3. State Farm: $1,324 per year
  4. Farmers Mutual of Nebraska $1,381 per year
  5. Progressive: $1,399 per year

Car Insurance in Nebraska for Young Drivers

Young drivers in Nebraska are statistically more likely to cause an accident than any other drivers on the road. As a young driver, you’ll always pay higher rates for car insurance than older, more experienced drivers.

However, that doesn’t mean you’re stuck paying $6,000 per year for car insurance as a driver under 25. Request a quote from any of the following insurers to get the best car insurance in Nebraska as a young driver:

  1. USAA: $2,083 per year
  2. State Farm: $2,091 per year
  3. GEICO: $2,109 per year
  4. Progressive: $2,163 per year
  5. Farmers Mutual of Nebraska: $2,291 per year

Car Insurance in Nebraska with Poor Credit

Your credit score impacts car insurance premiums. Every car insurance company checks your credit before assigning premiums. Drivers with bad credit or no credit could pay over $1,000 more per year for car insurance than drivers with average to good credit scores.

However, some insurers put less of an emphasis on credit score than others. Request a quote from any of the following insurers if you have poor credit:

  1. USAA: $2,029 per year
  2. GEICO: $2,111 per year
  3. Farmers Mutual of Nebraska: $2,290 per year
  4. Allstate: $2,334 per year
  5. State Farm: $2,409 per year

SR-22 Insurance in Nebraska

Nebraska uses the SR-22 system to manage high-risk drivers. If you have multiple at-fault accidents, multiple insurance lapses, or other incidents that increase your risk, then you may be required to obtain SR-22 insurance.

Nebraska’s Department of Motor Vehicles may require you to obtain SR-22 insurance if your driving license was suspended or revoked as a result of a court conviction, accumulation of points, or other administrative action. If you receive an SR-22 notification, then you need to prove you have valid insurance for all vehicles you own, including any cars, trucks, vans, motorcycles, and other vehicles.

The SR-22 is a certificate verifying you have insurance. Most insurance companies can submit an SR-22 to the state on your behalf. This form verifies you have valid coverage. Most insurers charge an SR-22 fee of around $30 to $50.

If you are a high-risk driver, then it can be tough to find the right car insurance at an affordable rate. Some companies will reject your business. You may need to use high-risk or specialty insurers. You may pay thousands of dollars more per year for car insurance, but these insurers can submit your SR-22 filing and get you back on the road.

SR-22 requirements don’t last forever. Typically, drivers need to maintain SR-22 filings for three years before they can resume buying normal car insurance.

Conclusion: How to Find the Best Auto Insurance in Nebraska

Finding the best auto insurance in Nebraska is easy: compare quotes online, enter your ZIP code, and discover the best car insurance based on your unique needs and demographic.

Some Nebraska insurers specialize in insuring rural and small-town drivers, charging cheap rates to drivers across the state. Others specialize in insuring city drivers, charging comparatively cheap rates.

To find the best car insurance for your unique needs in Nebraska, compare quotes online today.