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Cheap Nebraska Car Insurance

Enter your Nebraska zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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Wouldn’t it be so easy if you could just know one specific company that has the lowest rates in Nebraska? Regrettably, it’s not quite that easy, as there are a whole slew of unknowns such as your annual mileage driven, how safe your vehicle is, what coverage limits you need, and if you have a spouse, that all have an effect on the price of a policy. This article goes into detail about the things that influence insurance rates and should give you a jump start in finding the best auto insurance in Nebraska.

We all like different vehicles, and the type of vehicle requiring coverage is probably the biggest factor when shopping around for cheap Nebraska car insurance. Vehicles with economical engines, a great safety record, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.

The data below illustrates car insurance prices for a handful of the most budget-friendly vehicles to buy insurance for.

Car Insurance Rates for Popular Cars in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $790 $395 $66
Ford Focus SES 4-Dr Sedan $816 $408 $68
Ford Fusion Sport AWD 4-Dr Sedan $918 $459 $77
Honda Civic LX 2-Dr Coupe $958 $479 $80
Hyundai Elantra Blue 4-Dr Sedan $816 $408 $68
Nissan Altima 2.5 S 4-Dr Sedan $836 $418 $70
Toyota Camry XLE $836 $418 $70
Toyota Corolla XRS $854 $427 $71
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific Nebraska garaging location which can lower or raise prices considerably.

Car Insurance Rates for Popular SUVs and Crossovers in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $734 $367 $61
BMW X5 3.0I AWD $872 $436 $73
Buick Enclave XL 2WD $854 $427 $71
Chevrolet Traverse LT AWD $752 $376 $63
Ford Escape XLS 2WD $666 $333 $56
Ford Explorer Limited 2WD $808 $404 $67
GMC Acadia SL 2WD $722 $361 $60
Honda CR-V EX 2WD $666 $333 $56
Honda Pilot EX-L 2WD $808 $404 $67
Jeep Grand Cherokee Laredo 4WD $790 $395 $66
Lexus RX 350 4WD $968 $484 $81
Nissan Pathfinder LE 4WD $808 $404 $67
Toyota Highlander 2WD $742 $371 $62
Toyota RAV4 Limited 2WD $790 $395 $66
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in zip code location which can revise rates considerably.

Insurance Rates for Popular Pickup Trucks in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LT Regular Cab $840 $420 $70
Dodge Ram Crew Cab Laramie 2WD $922 $461 $77
Ford F-150 STX Regular Cab 2WD $722 $361 $60
Ford F-350 Super Cab Cabela Turbo Diesel 2WD $936 $468 $78
GMC Canyon SLE Ext Cab Z71 2WD $770 $385 $64
GMC Sierra 2500HD SLT Crew Cab 2WD $968 $484 $81
GMC Sierra 3500HD SLT Crew Cab 4WD $1,014 $507 $85
GMC Sierra SLE Extended Cab 4WD $854 $427 $71
Toyota Tacoma Double Cab TRD Sport Package 4WD $808 $404 $67
Toyota Tundra Limited Crew MAX 4WD $922 $461 $77
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can change coverage prices noticeably.

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Figuring out which insurers offer the cheapest insurance rates in Nebraska will involve a little more work in order to find the best price.

Each auto insurance company uses their own calculation to determine premium rates, so we’ll take a look at the most competitive insurance companies in Nebraska.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $873
3 Allied $911
4 Auto-Owners $932
5 Nationwide $997
6 Farmers Mutual of Nebraska $1,019
7 Farm Bureau Mutual $1,020
8 State Farm $1,043
9 General Casualty $1,081
10 American National $1,098
11 USAA $1,150
12 American Family $1,246
13 California Casualty $1,257
14 MetLife $1,332
15 Iowa Mutual $1,334
16 EMC $1,354
17 GEICO $1,362
18 Progressive $1,402
19 Farmers $1,602
20 North Star $1,659
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Safeco may have some of the cheapest car insurance rates in Nebraska at around $788 per year. The Hartford, Allied, Auto-Owners, and Nationwide would also make the list of some of the more affordable Nebraska auto insurance companies.

As depicted above, if you are a policyholder with The Hartford and switched to Safeco, you might achieve an annual premium reduction of approximately $85. Nebraska drivers with Allied may save as much as $123 a year, and Auto-Owners customers might lower prices by $144 a year.

To get a quick, customized rate comparison, click here to start your custom quote or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

These rates are averaged across all drivers and vehicles in Nebraska and and are not figured with a rate discount in Nebraska. So the car insurance company that can offer you the best price may not even be shown in the above list. That’s why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

One of the many factors that aid in calculating insurance cost is the neighborhood you call home in Nebraska. Regions with larger populations or more claims like Gering, McCook, and Lexington are more likely to have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The information below ranks the highest-priced places in Nebraska to purchase car insurance in.

Most expensive Nebraska cities for auto insurance
Rank City Annual Premium
1 Gering $1,357
2 Alliance $1,340
3 McCook $1,331
4 Scottsbluff $1,320
5 Lexington $1,303
6 North Platte $1,288
7 South Sioux City $1,264
8 Crete $1,246
9 Beatrice $1,235
10 Kearney $1,224
11 Omaha $1,220
12 Seward $1,191
13 Blair $1,188
14 Columbus $1,185
15 Hastings $1,182
16 Bellevue $1,179
17 Fremont $1,177
18 Nebraska City $1,176
19 Grand Island $1,170
20 York $1,156
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Prices are estimated as the garaging address in Nebraska can lower or raise rates noticeably.

Full coverage versus liability only rates

Finding cheap Nebraska car insurance should be important to the majority of vehicle owners, and one of the easiest ways to buy cheaper insurance is to buy liability only. The information below visualizes the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The information is based on no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Averaged for all ages 20 through 70, physical damage coverage costs an additional $1,889 per year over liability only. At some point, almost every driver questions if buying full coverage is worth the money. There is no definitive guideline for eliminating comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $7,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,500 after paying your deductible. If you are paying in excess of $650 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

How violations and accidents impact rates

The easiest method to get cheap Nebraska car insurance is to drive safely and avoid accidents and traffic violations. The example below illustrates how violations and accidents influence car insurance costs for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

In the example above, the average cost of car insurance in Nebraska per year with a clean driving record and no accidents is $1,618. Receive one speeding ticket and the average cost increases to $1,886, an increase of $268 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance in Nebraska increases to an average of $2,642. That’s an increase of $1,024, or $85 per month, just for not being more responsible behind the wheel!

Picking a high-quality car insurance company can be rather challenging considering how many companies are available to choose from in Nebraska. The ranking data listed below could help you decide which providers to look at shopping your coverage with. The rankings below only include companies that insure vehicles nationwide, so companies that only write business in Nebraska or surrounding areas are not factored into the list.

Top 10 Large Auto Insurers in Nebraska Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. The General
  10. Esurance

Low rates can quickly become overpriced

Nebraska insurance rates are based on many factors that can increase the price you pay. Simply having a birthday, having a claim, or getting a couple of tickets can trigger price changes resulting in some companies being much cheaper than others. Not only may things change on your end, but companies file new Nebraska car insurance rates at least once a year to adjust for heavy claims or excess profits. Unexpectedly high claims may cause increased policy costs, while a better claims history can produce lower-priced Nebraska car insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Nebraska for a 45-year-old female driver with no accidents or violations, and a good credit rating. Based on her current risk factors, Safeco might quote the cheapest car insurance rates in Nebraska at $804 a year. This is $512 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the remainder of the top five cheapest Nebraska auto insurance companies.

In this example, we will give the driver from the first example an accident claim, less-than-perfect credit, and a speeding citation. Since each company has their own process for filing rates in each state, comparing prices could result in a slightly different list of the cheapest companies as shown below.

Nationwide now has the best auto insurance rate in Nebraska with American National, State Farm, General Casualty, and USAA also being competitive. This example proves why it is so important to do a thorough rate comparison to get cheap insurance rates in Nebraska. Insurance prices are made up of many different factors and can increase or decrease at any time, so the lowest-price company the last time you compared rates may now be one of the more expensive options.

Use our FREE quote tool to compare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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