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How Much is Auto Insurance for Drivers Requiring a SR22 in Nebraska?

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 11, 2019

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Life would sure be easier if we could just tell you the one auto insurance company that has the best car insurance rates in Nebraska. Unfortunately, it’s not that simple as there are a whole bunch of unknowns such as the amount of driving experience you have, if you have any chargeable driving offenses, and the amount of liability insurance you need, that all go into determining the rate you pay. We are going to cover these topics and will hopefully give the reader a good start in finding the cheapest car insurance.

Establishing which company quotes the lowest-priced auto insurance rates for drivers requiring a SR22 will involve more time in order to find the lowest price. Each company has a unique approach for determining rates in each state, so we will examine the most budget-friendly auto insurance companies in Nebraska.

Keep in mind that Nebraska auto insurance rates are impacted by many things that will increase or decrease the price you pay. Improving your credit rating, having a claim, or getting into an accident can cause premium changes resulting in some companies being cheaper than before.

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 $839
3 Auto-Owners $905
4 Allied $911
5 Farmers Mutual of Nebraska $989
6 Farm Bureau Mutual $990
7 Nationwide $1,027
8 State Farm $1,033
9 American National $1,065
10 General Casualty $1,114
11 USAA $1,162
12 California Casualty $1,257
13 American Family $1,284
14 MetLife $1,293
15 Iowa Mutual $1,295
16 GEICO $1,348
17 EMC $1,354
18 Progressive $1,417
19 North Star $1,642
20 Farmers $1,650
Compare Rates Now Go

Safeco normally has some of the cheapest car insurance rates in Nebraska at around $788 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the cheapest Nebraska auto insurance companies.

In the above example, if you currently have coverage with The Hartford and switched to Safeco, you could realize an annual savings of roughly $51. Customers with Auto-Owners could save as much as $117 a year, and Allied customers might lower prices by up to $123 a year.

It’s important to note that these policy prices are averaged across all drivers and vehicles in Nebraska and are not factoring in a rate surcharge for drivers requiring a SR22. So the car insurance company that has the lowest price for you may not even be included in the above rate chart. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

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

The vehicle you are trying to insure is probably the largest consideration when trying to find low-cost car insurance for drivers requiring a SR22. Vehicles with higher performance, a lack of safety features, or a track record of large liability claims will cost more to insure than more modest models.

The next table ranks insurance rates for a handful of the most cost-effective automobiles to insure.

Cheapest Auto Insurance Rates for Drivers Requiring a SR22 in Nebraska
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $2,332
Honda CR-V LX 2WD $2,433
Ford Escape XLT 4WD $2,470
Chevrolet Traverse LT 2WD $2,506
Toyota Prius $2,540
Hyundai Tucson GLS 2WD $2,589
Dodge Grand Caravan CV $2,621
Ford Explorer XLT 2WD $2,628
Kia Forte LX 4-Dr Sedan $2,723
Chevrolet Malibu Hybrid $2,766
Chevrolet Equinox LS AWD $2,774
Hyundai Santa Fe GLS 4WD $2,766
Subaru Forester XT Limited Edition AWD $2,851
Jeep Grand Cherokee Laredo 2WD $2,878
Toyota Tacoma Double Cab 4WD $2,887
Ford Focus SES 4-Dr Sedan $2,879
Toyota RAV4 Limited 4WD $2,885
Toyota Sienna LE $2,890
Hyundai Elantra SE 4-Dr Sedan $2,912
Subaru Outback 3.6R Premium $2,921
Ford F-150 Lariat King Ranch 2WD $2,942
Chevrolet Silverado LTZ Crew Cab 4WD $2,952
Nissan Rogue S 2WD $2,989
Start Your Quote Go

Data variables include married female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Estimates do not factor in Nebraska location which can impact price quotes greatly.

By looking at the data, we can infer that models like the Honda Accord, Honda CR-V, Ford Escape, and Chevrolet Traverse are most likely going to be a few of the more affordable vehicles to insure for high risk drivers. Rates will tend to be higher because of the fact that there is more inherent risk for drivers requiring a SR22, but in general those particular vehicles will probably have the best rates available.

When shopping for auto insurance for high risk drivers, one of the many considerations that determine the price you pay for insurance is where you live. Areas with a lot of weather claims or more people like Scottsbluff, Alliance, and South Sioux City tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The information below ranks the most expensive areas in Nebraska for drivers requiring a SR22 to purchase auto insurance in.

Most expensive Nebraska cities for auto insurance
Rank City Annual Rate
1 Scottsbluff $1,374
2 Gering $1,343
3 Alliance $1,300
4 McCook $1,292
5 South Sioux City $1,264
6 Lexington $1,264
7 North Platte $1,262
8 Beatrice $1,259
9 Omaha $1,233
10 Seward $1,227
11 Nebraska City $1,212
12 Crete $1,210
13 Hastings $1,193
14 Blair $1,188
15 Kearney $1,188
16 York $1,180
17 Bellevue $1,179
18 Columbus $1,150
19 La Vista $1,150
20 Norfolk $1,147
Compare Prices Now Go

Price information shown is comparative as the specific area where the vehicle is garaged can decrease or increase auto insurance rates considerably.

Accidents and violations increase rates

One of the best ways to receive cheap car insurance for drivers requiring a SR22 in Nebraska is to drive safe and maintain a clean driving record. The diagram below illustrates how violations and at-fault accidents can affect insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of car insurance in Nebraska per year with a clean driving record and no accidents is $1,349. Add in two speeding tickets and the average cost swells to $1,860, an increase of $511 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for drivers requiring a SR22 jumps again to an average of $3,742. That’s an increase of $2,393, or $199 per month, just for not paying attention while driving!

The illustration below illustrates how your deductible choice can change premium costs when trying to find cheap insurance for drivers requiring a SR22. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

A 50-year-old driver could lower their policy premium by $236 a year by increasing from a $100 deductible to a $500 deductible, or save $358 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut as much as $602 annually by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Ratings for Nebraska auto insurance companies

Buying coverage from a highly-rated car insurance provider is hard considering how many companies sell insurance in Nebraska. The company ratings displayed below may help you select which car insurance providers to look at when comparing rate quotes.

These rankings only include companies that insure vehicles across America, so companies that only write business in Nebraska or surrounding areas will not be included in these rankings. To compare rates from these and other competitive companies, follow this link.

Top 10 Large Auto Insurance Providers in Nebraska Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Safeco Insurance
  7. Allstate
  8. 21st Century
  9. Travelers
  10. The General

Top 10 Large Auto Insurance Providers 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

Best cheap insurance quotes for high risk drivers

You have many ways to compare auto insurance prices in Nebraska, but the most preferred ways are using an exclusive agency like Allstate or Auto-Owners, an independent insurance agent, or direct either online or via phone.

They all have the same basic principle, but shoppers should understand the differences in how they price policies.

Independent insurance agencies have contracts with multiple insurance companies and can compare rates with every one. Independent agents are not limited to a single company and can give you more rates, which may provide you with the best shot at cutting your rates. If prices rise, the business is moved internally and you can keep the same agent.

Exclusive agencies are only able to quote rates from a single company, a couple examples are an Auto-Owners or Allstate agent. These agents normally cannot provide prices from multiple companies, so if rates are not competitive, they cannot give other choices.

The final way is buying direct, which means you do not use the middleman (the agent) and instead shop from a direct company like Progressive or Geico. Shopping for auto insurance direct may be a decent choice people who do not need high levels of coverage and know what coverage options they need.

So which of those three methods works best to find cheap car insurance for drivers requiring a SR22 in Nebraska? We would first guess that shopping direct results in the best prices since there is no need to pay agent commissions, but in reality, that is not the case. We could also assume that going through an independent agent results in the cheapest rates since they can quote with many companies, but that assumption is also not necessarily accurate. And sometimes, the exclusive agents have really good rates that are well below what direct and independents offer.

Because there are so many factors that make up auto insurance rates, the one way to get rock-bottom rates is to get quotes and compare the rates. Put in the effort to get price quotes from all three in order to have the best selection to choose from. For a list of auto insurance companies with low rates, click here to view.

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