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Best Cheap Nebraska Car Insurance

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There are plenty of options for cheap car insurance in Nebraska, but some policies are better than others. Depending on your situation and needs, you can weed out the better versus best and choose a policy that rewards you with discounts. Here are some policies and information on how to lower your car insurance in the Nebraska region. 

Best Nebraska Car Insurance:

Nebraska Car Insurance Overview

Homes in Nebraska tend to have an average of 2 cars per household, which means that a policy that benefits households with multiple vehicles is a good plan. Here are some of the minimum insurance requirements that Nebraska car owners should know:

  • $25,000 in bodily injury per person per accident
  • $50,000 in bodily injury for all persons per accident
  • $25,000 in property damage liability
  • $25,000 in uninsured motorist bodily injury coverage 
  • $50,000 in underinsured motorist bodily injury coverage

To break it down further, we’ll explain what all of these types of coverage mean for you and your passengers. 

Bodily injury coverage ensures you’re covered for the following after an accident:  

  • Medical expenses: After an accident, bodily injury coverage makes sure that anyone injured will be covered. If you or your passengers need hospitalization and subsequent follow-up care, like doctor appointments, prescriptions or aids, they’ll be covered.
  • Lost income and wages: If you’re injured and unable to perform the duties of your job or unable to return to work for a period of time, bodily injury insurance helps cover your wages. 
  • Legal fees: If you need to appear in court or have any other legal fees as a result of your accident, you’ll be covered.

Property damage liability helps pay for the following: 

  • When there is damage to someone else’s property as the result of your accident, for example, a car spinning out and hitting someone’s fence or parked car. 

Uninsured motorist coverage applies to the following:

  • If a driver doesn’t have car insurance and causes an accident, the person who isn’t at fault is covered, and therefore not responsible to pay for medical bills or the damages to their vehicle and property. 

Underinsured motorist coverage applies to the following:

  • If an at-fault driver has a liability limit in their insurance policy but it isn’t enough to cover outstanding expenses and damages, this coverage can ensure that the driver who isn’t at fault isn’t left to pay. 

Nebraska Car Insurance Law Explained

There is no requirement for drivers in Nebraska to carry additional coverage like personal liability or collision and comprehensive insurances. However, it could be helpful for drivers to purchase them if they have valuables that they want to protect or if they own property. 

  • Personal liability insurance: This coverage ensures you and your family are protected in the aftermath of an accident. It extends to provide financial compensation for medical bills, legal fees and more.
  • Comprehensive insurance: Your vehicle is covered in case it’s exposed to various types of damages outside of a car accident, such as theft, fire, vandalism, damage from natural disasters, falling objects, damage from animals and civil disturbances.
  • Collision insurance: This coverage ensures that accident repair is compensated.

Nebraska Car Insurance Rates Per Vehicle

The Ford F-150 is the most popular vehicle in Nebraska, and this is important to know because this or another model can affect your insurance premiums. If your insurer has recorded your car make or model to be more likely to get into accidents or have more claims filed, you’ll have a higher premium.

Additionally, if your car is one that is often stolen or has a higher purchase price, then you’ll also have higher rates. You can get benefits and discounts, however, if your car has features like anti-lock brakes and other safety devices. 

Auto Insurance Rates by Credit Score

When you keep your credit score high, you’ll be deemed as more financially sound and will be able to get more benefits from your insurer. But those who have lower credit scores will see higher premium rates.

That’s because the insurance company deems a driver with a low credit score as less trustworthy and more likely to file more claims, inflate claims and miss payments.

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579Nationwide$1,563
Fair 580–669State Farm$1,139
Good 670–739State Farm$984
Excellent 740+Progressive$956

Insurance for Drivers with a Clean Record

When you haven’t received many tickets or had points added to your license — not admitted to wrongdoing with a more severe infraction — you can be rewarded from your insurance policy with a safe driving discount or other benefits.

Your insurance company sees you as a lower risk driver: you’re more trustworthy and not as likely to get into an accident or file claims.

Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
Farmers$296 $365 $587
State Farm$349 $458 $569
Farm Bureau$383 $687 $1,023
Nationwide$875 $1,101 $1,345
American Family$1,587 $1,687 $1,897

Insurance Rates with Driving Infractions

Driving infractions include speeding, driving recklessly, driving under the influence or while intoxicated and ignoring a police officer, among others. If you disregard the law, you’ll receive a ticket and most likely receive points on your license. Points can leave more of a financial bruise than the ticket itself.

When you have a record with previous infractions, your rates could go up no matter the insurer you choose because of the risk you show.

Insurance CompanyAt-Fault Accident Speed Violation DUI
State Farm$1,139 $1,025$5,895
Farmers$1,362 $1,125$3,654
American Family$1,370 $1,125 $3,665
Nationwide$1,854 $1,598 $3,587
Farm Bureau$3,395 $2,858 $3,929

Best Car Insurance Providers in Nebraska

Out of the many options for Nebraska car insurance plans, we provided a list of the best and cheapest available.

Pros
  • Serves all states
  • Mobile App
  • Offers SR-22 coverage
Cons
  • No accident forgiveness

1. Best Overall: 21st Century

21st Century is the cheapest and best insurance provider for drivers in Nebraska, quoted at $1,054 for a 1-year policy. It includes roadside assistance and other benefits such as new car replacement.

There are discounts available for the following: anti-theft devices, multi-policies, defensive driving, good student, loyalty and safety devices. 

Pros
  • Serves all states
  • Mobile app
  • Online quote tool
Cons
  • Have to be an AAA member
  • No military discount

2. Cheapest Auto Insurance in Nebraska: AAA

AAA offers $1,101 for a 1-year policy, making it the cheapest option available for Nebraska drivers. For AAA members, perks like original equipment manufacturer (OEM) repair and replacement, roadside assistance and trip planning take the cake.

You can enjoy discounts on anti-theft devices, multi-policy, defensive driving, good student, loyalty, homeowners and safety devices.

Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

3. Best for Military Personnel: USAA

USAA is available for anyone who has military experience, from active military members to retired veterans. And at $948 for a 1-year policy quote, USAA is also the cheapest available insurance in Nebraska. Discounts through this policy are impressive and include anti-theft device, multi-policy, defensive driving, good student, loyalty, military, safety device, special employment and usage-based.

There is also rideshare coverage, SR-22 coverage, temporary and short term coverage, optional roadside assistance and accident forgiveness.

Choosing What’s Best for You

Outside of your research to discern the cheapest policies in your region, let’s look at the following tips to lower your policy rates:

  • Reduce your coverage rates on older cars in your household.
  • Raise your credit score. Keeping your credit score high will help you in other financial opportunities as well.
  • Rather than being on a policy by yourself, add yourself to a group policy to lower your rates.
  • Look into low mileage eligibility within your policy, and if applicable, keep your mileage low to apply. Keeping your mileage low will extend the life of your vehicle.

With the insurance options available to you in Nebraska — and the best-of companies presented here — you can dictate and maintain great coverage choices. 

Frequently Asked Questions

Q: Should I have just the minimum amount of car insurance required by my state?

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Q: Should I have just the minimum amount of car insurance required by my state?
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It’s a good idea to purchase more than the state minimum of any type of insurance. State minimums are set relatively low to keep insurance affordable, but in the case of an accident, you can deplete your minimums quickly with expensive medical and property damage costs. Once your bills extend past the minimums, you’ll personally be liable for additional costs and damage. Get the coverage that makes sense for you here.

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2) Q: How does my personal credit play a role?

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2) Q: How does my personal credit play a role?
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Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you’ll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now.

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3) Q: What kind of discounts are usually available?

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3) Q: What kind of discounts are usually available?
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The most common discounts available are multi-policy and auto-pay, but every company is different. Other discounts that are widely available are loyalty, good student and anti-theft device discounts. See our top providers with the best discounts and get a unique quote.

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