Nebraska Car Insurance Rates

Estimated auto insurance rates in Nebraska for 2018 are $1,100 a year with full coverage. Comprehensive, collision, and liability cost on average $244, $448, and $284, respectively. Scottsbluff and Gering have the most expensive car insurance rates, and the two companies with the most written premium are State Farm and Progressive.

Average rate for full coverage: $1,100

Price estimates by type of insurance:

Comprehensive $244
Collision $448
Liability $284

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Auto Insurance in Nebraska

For a 40-year-old driver, insurance rates go from as cheap as $336 for basic liability insurance to a much higher rate of $2,376 for high-risk insurance.

Liability Only $336
Full Coverage $1,100
High Risk $2,376

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get accurate rates for your location.

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The chart above shows Nebraska auto insurance rates for different situations. The best rate after discounts is $630. Insureds who use higher $1,000 deductibles will pay about $942. The average rate for a 40-year-old male driver using $500 deductibles is $1,100. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,406. Drivers considered high risk could be charged up to $2,376. The price for full coverage insurance for a teen driver can be as high as $4,046.

Insurance prices in Nebraska also have a wide range based on your vehicle choice, your driving record, and policy deductibles and limits.

Where you choose to live in Nebraska has a huge impact on auto insurance prices. Less congested rural areas could have rates as low as $800 a year, whereas some areas in Scottsbluff and Gering may see prices closer to $1,400. Even different neighborhoods within a few miles of each other in the same city can have very different rates.

These rate differences emphasize the need to quote rates based on your location.

Your choice of vehicle makes a big difference in how much you will pay for insurance in Nebraska. Electing to drive a cheaper and lower horsepower model will save money on insurance thanks to cheaper replacement cost and lower medical and liability claims.

The next table shows premium estimates for the most popular vehicles on the road in Nebraska.

Nebraska Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,1625.3%
Dodge Ram$1,1947.9%
Ford Escape$916-20.1%
Ford Focus$1,064-3.4%
Ford Fusion$1,1685.8%
Ford F-150$1,036-6.2%
GMC Acadia$1,014-8.5%
GMC Sierra$1,1423.7%
Honda Accord$1,028-7%
Honda Civic$1,2048.6%
Honda CR-V$892-23.3%
Honda Pilot$1,046-5.2%
Hyundai Sonata$1,1161.4%
Kia Optima$1,1383.3%
Nissan Altima$1,1322.8%
Nissan Rogue$1,1060.5%
Toyota Camry$1,1201.8%
Toyota Corolla$1,096-0.4%
Toyota Prius$1,022-7.6%
Toyota RAV4$1,038-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 additional annually, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Your auto insurance company definitely affects your policy price. In Nebraska, every insurance company has a different rate structure, and prices can be substantially lower or higher based on your risk profile. In Nebraska, car insurance prices range from $1,076 with American National to as much as $2,626 with Auto Club Group. Companies like Safeco, The Hartford, and Auto-Owners fall somewhere in between.

These are probably not the exact rates you would pay, as the vehicle type, any driving violations, and your location in Nebraska all influence the price.

Nebraska Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm23.50%$1,054
2Progressive12.39%$1,431
3Farmers Mutual of Nebraska8.55%$999
4American Family7.72%$1,271
5Farm Bureau7.50%$1,000
6Nationwide6.01%$930
7Allstate4.87%$1,834
8Geico4.84%$1,335
9USAA3.95%$1,139
10Farmers Insurance3.91%$1,618
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $255 more each year. View Rates by Deductible or Liability Limit

With so much difference in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and rates will be substantially different between companies.

Nebraska Auto Insurance Articles

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Rates by Driver Age

Nebraska Insurance Rates by Driver Age
Driver AgePremium
16$4,046
20$2,538
30$1,150
40$1,100
50$1,006
60$986

Full coverage, $500 deductibles

Rates by Deductible

Nebraska Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,406
$250$1,262
$500$1,100
$1,000$942

Full coverage, driver age 40

Rates by Liability Limit

Nebraska Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,100
50/100$1,157
100/300$1,228
250/500$1,412
100 CSL$1,185
300 CSL$1,341
500 CSL$1,455

Full coverage, driver age 40

Rates for High Risk Drivers

Nebraska Car Insurance Rates for High Risk Drivers
AgePremium
16$5,780
20$4,030
30$2,432
40$2,376
50$2,266
60$2,244

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $153

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$59
Multi-vehicle$57
Homeowner$15
5-yr Accident Free$83
5-yr Claim Free$71
Paid in Full/EFT$52
Advance Quote$55
Online Quote$78
Total Discounts$470
Rate after discounts $630

Discounts are estimated and may not be available from every company or in every state.

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