Best Auto Insurance Rates in Nebraska

Compare Auto Insurance in Nebraska

Tuesday, May 28 2019 By Steve Bowen

The common image of Nebraska to outsiders is flat corn fields stretching to the horizon. However, there’s much more to Nebraska. Big cities, rolling hills, and a mountain over a mile high in elevation, for example. These are all landscapes that can be treacherous for drivers, which is why Nebraska drivers should be concerned about car insurance.

This page will show you which types of coverage are legally required in Nebraska. It also provides information about the cost of driving including average rates and shares some insights about insurance risk.

Average Nebraska Car Insurance Rates

How much is car insurance in Nebraska? Drivers here are helping their pocketbooks by driving defensively. Insurance premiums in Nebraska are much lower than the national average. The average cost of auto insurance in Nebraska is $681.54 a year. The national average price is $889.01.

Prices will vary depending on your limits, coverage, and the total number of claims filed in your zip code.

Nebraska (NE) Average Annual Car Insurance Rates

Coverage	Rates
Liability	$364.64
Collision	$237.13
Comprehensive	$229.25
Total Cost Per Year	$681.54
Price Per Month	$56.79
Source: Insurance Information Institute (iii)

The graph below shows the change in average Nebraska rates from 2011 to 2015, the most recent year the data is available. According to the III, Nebraska car insurance rates increased from $602 in 2011 to $681 in 2015, a jump of $79 dollars, or 13.14 percent.

Source: Insurance Information Institute (iii)

When it comes to car insurance in Nebraska, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.

With QuoteWizard, you can compare quotes from top car insurance companies and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need.

Most Popular Auto Insurance Companies in Nebraska

These are the most frequent car insurance companies reported by QuoteWizard users in Nebraska in 2018. Out of the 28,966 Nebraskan drivers who used QuoteWizard to request cheap auto quotes last year, 4,812 were uninsured.

Top 10 Vehicles

These are the most common cars owned by QuoteWizard users in Nebraska:

Nebraska Car Insurance Factors

Nebraska’s average auto insurance is lower than the national average. Some factors that go into your final rate that have more to do with where you live than your personal history, including number of uninsured drivers, regional driver history, and auto theft rates.

Uninsured Drivers

6.8 percent of Nebraska drivers are uninsured. This is the sixth lowest percentage of uninsured drivers in the country. A low rate of uninsured drivers keeps the insurance rates low for all drivers.

Best and Worst Drivers

Our recent national study found that Nebraska is the third worst state for drivers in the country. This ranking is based on Nebraska’s DUI, speeding ticket, citation, and crash data from last year. We applied the same formula to cities within the country and Omaha came in No. 1 for worst cities for drivers in the United States.

Stolen Vehicles

Auto thieves find some vehicles more enticing than others. If your car is one of them, your insurer may consider it high risk. Check the list below and see if your car is on it.

Source: National Insurance Crime Bureau: 2017 Hot Wheels Report

1. 1997 Honda Civic
2. 1996 Honda Accord
3. 1994 Chevrolet Pickup (Full Size)
4. 2006 Ford Pickup 2006 (Full Size)
5. 2001 Dodge Pickup (Full Size)
6. 1999 GMC Pickup
7. 2006 Chevrolet Impala
8. 2000 Jeep Cherokee/Grand Cherokee
9. 2001 Toyota Camry
10. 2002 Dodge Pickup

Car Insurance Discounts in Nebraska

Insurers offer a variety of discounts to encourage lower risks on the road and to help save you money. Here are some discounts that Nebraskans may be interested in:

1. The average Nebraska household owns two cars. If you or your family has more than one car, check with your provider for a multi-car discount.
 
2. Do you already have a home or life insurance policy? Ask your insurer if you can bundle it with an auto policy. Bundling lets you save money on both policies.
 
3. The average Nebraskan commute is 17.6 minutes. Insurers sometimes have a short commute discount, usually for drives around 15 minutes. If this sounds like you, ask your insurance company what’s available.
 
4. 9.1 percent of Nebraskan commuters carpool. If you’re letting someone else do the driving, your provider may have a discount. The less you’re behind the wheel, the less of a risk you are.
 
5. Are you a student at a Nebraska university? If you’re pulling a B average or higher, there’s your insurer might have a Good Student Discount.

Nebraska Car Insurance Laws

Minimum Car Insurance Requirements in Nebraska.

Drivers registered in Nebraska are required to carry the minimum required insurance of:

• Bodily injury liability per person: $25,000
• Bodily injury liability per incident: $50,000
• Property damage liability per incident: $25,000
• Uninsured bodily injury liability per person: $25,000
• Uninsured bodily injury liability per incident: $50,000

Recommended Coverage Levels

Nebraska winters make driving dangerous. Between the low visibility and slick roads, a snowstorm is an accident waiting to happen. Make sure you have adequate collision insurance  in case those snow-slicked roads cause you to hit another car.

It’s a mistake to think that minimum liability insurance is all you need. It covers damages you cause to other drivers, but it does nothing for your own repairs. Also, look into increasing your liability coverage limits. It doesn’t take much for a serious accident to exceed a minimum liability payout limit. To be safe, we suggest:

• Individual body injury liability: $100,000
• Total bodily injury liability: $300,000
• Property damage liability: $100,000

Required Proof of Insurance

The law requires you to be able to provide proof of insurance to law enforcement upon request. You may get an insurance ID card from your insurer.

SR-22

Should your license get suspended, Nebraska law requires you to file an SR-22. An SR-22 shows that you maintain the minimum amount of liability coverage required by the state.

You are required to carry the SR-22 for 36 consecutive months. If you do not renew your policy 15 days before expiration, your insurer will notify the state, resulting in resuspension of your license.

Totaled Cars with Salvage or Rebuilt Titles

If your car is damaged and the cost of repairs is more than the car’s value, it is totaled. Totaled cars get a salvage title. If it’s repaired to road-worthy status, it gets a rebuilt title.

States have different criteria for judging rebuilt cars. In Nebraska, total loss is calculated by a set percentage (75 percent). This means if the damage equals at least 75 percent of the car’s actual cash value, your insurer will deem it totaled.

Finding insurance for a rebuilt or salvage title in Nebraska can be a challenge. You will more than likely wind up paying a high premium. Some insurers won’t insure these titles.

Nebraska Traffic Safety Laws

Distracted Driving

All drivers in Nebraska are forbidden from any texting while driving. Novice drivers may not use cellphones for any reason while driving.

DUI Law

If you are found driving in Nebraska with a blood alcohol concentration (BAC) of 0.08 percent or more, you’re guilty of driving under the influence (DUI). Depending on how many offenses you have, penalties include:

• $500 to $1,000 in fines
• Seven days to one year in jail
• 60 days to 15 years license suspension
• Possible ignition interlock device installation

On top of criminal penalties, you can expect your insurance rates to go up. Our studies show that you can expect to pay an average of $830 more a year after a DUI. This works on the assumption you can find coverage after a conviction.

Implied Consent Law

Nebraska state law requires any driver to submit to blood, breath, or urine test if law enforcement suspects the driver is driving under the influence. Each offense carries a 90-driver’s license impoundment.

Senior Drivers

Around the time you turn 65, you’ll probably see an increase in your auto rates. If you’ve kept a clean driving record, the initial increase should be small. However, as you get older, your rates will continue to rise.  

Nebraska requires drivers age 72 and up to renew their license in person at the local DMV.  

Cars Registered in Other States

If you drive in Nebraska with a car registered in another state, you must have the insurance required by the home state. You must also have valid proof of insurance.

Nebraska Department of Insurance

Website:

Homepage

Insurance Commissioner:

Bruce R. Ramge

Insurance Hotline:

(877) 564 – 7323

Office Hours:

Monday - Friday
8:00 am to 5:00 pm

File a Consumer Insurance Complaint

Complaint Page

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