Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
Nebraska has over 500 miles of interstate highways. This makes Nebraska a great place to road-trip. Could you be saving money on your car insurance?
We compared the estimated car insurance rates of several Nebraska insurance companies. We then calculated the average car insurance cost and the best-priced insurers for various driver profiles and needs.
You’ve probably been shopping around for car insurance. There are many factors that can affect your car insurance costs. These include your age, vehicle type and mileage. Coverage options also depend on your driving record. We used a fairly neutral driver profile to compare insurers. This means that our Nebraska driver has not been in any accidents, tickets or claims. Our cost estimates are for minimum coverage, unless noted otherwise. This means that your rates may be different. We know that not everyone is equal so we did the math for drivers with different credit scores and ages, as well as coverage options.
Find out the average Nebraska car insurance rate and what our findings are about the best options.
Car insurance costs in Nebraska
The average monthly premium for basic Nebraska car insurance is just over $35. It can go up to $85, depending on what type of coverage you choose and who the driver is.
Monthly average auto insurance premiums in Nebraska
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Nebraska’s minimum state-minimum auto insurance | $35.49 |
| Nebraska drivers with bad credit | $64.90 |
| Multiple claims drivers in Nebraska | $84.73 |
| Young drivers in Nebraska | $59.23 |
Based upon our standard driver profile, minimum coverage, and unless otherwise noted
The cheapest car insurance in Nebraska
We found that American National Insurance and Auto-Owners Insurance had the best rates for different driver profiles. The rates shown below were based on a Nebraska driver profile that required minimum coverage. Except where noted, the following characteristics are required: a credit score of 680 to 719; a driver aged between 36 and 45 years; a clean history without tickets or coverage gaps; and a car valued between $20,000 and $30,000.
1. American National P&C
American National offers basic car insurance starting at $11.33 per month for Nebraska drivers. American National provides car insurance through local agents. It offers standard coverage, as well as optional roadside assistance, gap and replacement parts insurance.
2. Auto-Owners insurance
Our Nebraska driver profile can find minimum-coverage insurance with Auto-Owners Insurance for as low as $17.58 per monthly Auto-Owners Insurance is also sold through local agents, just like American National. In addition to state-mandated minimum coverage, optional coverages including collision, comprehensive, uninsured/underinsured motorist and medical payments are also available.
See reviews about Auto-Owners car coverage.
3. Farmers Mutual of Nebraska
Farmers Mutual of Nebraska could offer basic coverage to Nebraska drivers for $22.33. Choose from optional add-on coverages like medical payments, collision, comprehensive and uninsured/underinsured motorist coverage, and see if you qualify for discounts for bundling, being a good driver and going through a driver safety course.
4. IMT Insurance Company
IMT Insurance could offer minimum coverage for a Nebraska driver’s profile. A $22.83 monthly policy is available through IMT Insurance. Independent agents offer a variety of coverage options including identity recovery, lock replacement, new-car replacement, lock repair, and protection for theft of clothing and luggage.
5. North Star
For as little as $25 per month, a Nebraska driver profile could be eligible for basic-coverage auto coverage through North Star. North Star provides bodily injury liability as well as property damage liability. You can also add on optional options like medical payments, collision coverage, uninsured driver, rental reimbursement, and safety glass coverage.
The cheapest state-minimum auto insurance in Nebraska
State-minimum insurance, as its name implies, is the minimum coverage that drivers can have as required by the state. This coverage option is usually the cheapest. Nebraska requires that you have a minimum of 25/50/25 coverage.
These companies offer the lowest rates for drivers who are interested in coverage beyond state minimums.
The cheapest Nebraska car insurance companies for state-minimum coverage
|
1 |
American National P&C | $11.33/month |
|
2 |
Auto-Owners Insurance | $17.58/month |
|
3 |
Farmers Mutual of Nebraska | $22.33/month |
|
4 |
IMT Insurance Company | $22.83/month |
|
5 |
North Star | $25.00/month |
Based upon our standard driver profile, seeking minimum coverage in Nebraska
Best car insurance for people with good credit in Nebraska
You may be able to pay less for car insurance if you have good credit than someone with bad credit. This can lower your car insurance costs.
These companies offer drivers with good credit the lowest rates.
The cheapest Nebraska car insurance companies for people with good credit
|
1 |
American National P&C | $7.67/month |
|
2 |
Auto-Owners Insurance | $12.63/month |
|
3 |
Farmers Mutual of Nebraska | $20.89/month |
|
4 |
IMT Insurance Company | $21.11/month |
|
5 |
North Star | $21.56/month |
Based upon our standard driver profile, adjusted for Nebraska drivers with a credit score of at least 720
Lowest auto insurance in Nebraska for people with poor credit
Lower credit scores could lead to higher car insurance premiums. Your credit score is only one factor that determines the price of your premium. Your driving record, as well as your credit score, can impact the cost of your monthly payments.
These are the five companies that offer the lowest rates for drivers with bad credit.
Nebraska’s cheapest car insurance for people with bad credit
|
1 |
Geico | $31.27/month |
|
2 |
Farmers Mutual of Nebraska | $32.17/month |
|
3 |
American National P&C | $34.67/month |
|
4 |
Allied | $34.77/month |
|
5 |
IMT Insurance Company | $34.92/month |
Based upon our standard driver profile, adjusted for Nebraska drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Nebraska
Insurers also consider your personal claims history when determining the price of your premium. You’ll pay more for car coverage if you have multiple claims.
These companies offer the lowest rates for drivers who have multiple insurance claims.
Five of the cheapest Nebraska car insurance companies for multiple claims
|
1 |
American National P&C | $20.67/month |
|
2 |
Auto-Owners Insurance | $31.38/month |
|
3 |
North Star | $32.00/month |
|
4 |
Farmers Mutual of Nebraska | $32.00/month |
|
5 |
Geico | $53.50/month |
Based upon our standard driver profile, adjusted to show rates for a Nebraska driver who has two claims and not zero
Cheapest car insurance for young drivers in Nebraska
The cost of car insurance can be affected by your age. Insurance for younger drivers is often more costly, regardless of whether they are bundled with others or on their own. Your rates will decrease as you age and have a safer driving record.
These insurance companies may be of interest to drivers between the ages 18 and 21.
Top 5 Cheapest Car Insurance Companies in Nebraska for Young Drivers
|
1 |
American National P&C | $21.17/month |
|
2 |
Auto-Owners Insurance | $32.50/month |
|
3 |
Geico | $33.07/month |
|
4 |
North Star | $33.67/month |
|
5 |
Farmers Mutual of Nebraska | $34.33/month |
Based upon our standard driver profile, adjusted for Nebraska drivers aged 18-21 instead 36-45
Nebraska auto insurance requirements
Nebraska’s minimum requirements for bodily injury liability are $25,000 per person, $50,000 per accident and $25,000 per household. For property damage liability, it requires that you have at least $25,000 Your coverage obligations may be greater if you have a car lease or loan.
Nebraska has usage-based insurance.
Usage-based vehicle insurance allows customers to pay premiums according to their driving habits. Nebraska drivers might be eligible for UBI programs to lower their premiums.
FAQs regarding the lowest car insurance rates in Nebraska
What is Nebraska’s minimum auto insurance?
Nebraska has 25/50/25 requirements for auto insurance. This means that a policy must cover $25,000 per person, $50,000 per accident for bodily injuries liability and $25,000 property damage.
Is Nebraska a no-fault state?
Nebraska is considered an at-fault State. This means that if you are found responsible for an accident, your insurance provider will cover most of the financial damage for you and any other victims.
What happens to you if there is no Nebraska insurance?
Your license will automatically be suspended if you are caught driving in Nebraska without insurance. For three years, you will need to file proof of financial responsibility (usually in the form an SR-22) with the DMV.
Methodology
Based on a profile of a Nebraska driver aged 36-45, the estimated rates shown in this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value of $20,000 to $30,000 Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors, including vehicle driving habits and past history.
Full coverage car insurance covers bodily injury, property damages, collision, and comprehensive coverages. The Nebraska-mandated 25/50/25 policy is included in the average monthly premium for minimum car insurance.