Cheapest car insurance in Nebraska in 2023

The cheapest car insurance in Nebraska

Car insurance in Nebraska is generally cheaper than the national average, but insurance rates depend on factors that are personal to you. For instance, your credit score, zip code, marital status, gender, age, driving record and more can all impact how much you pay for Nebraska car insurance. Because of this, you could be paying more or less than the average.

When shopping for new insurance, you might want to tailor your search based on your individual circumstances. Based on our in-depth study, EMC and Amco Insurance might offer the cheapest car insurance in Nebraska, depending on your needs and background:

Cheapest company for minimum coverage

Cheapest company for full coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company after a high-risk incident

The cheapest car insurance companies in Nebraska by coverage level 

Figuring out how much car insurance you need is a critical step in finding the most affordable car insurance in Nebraska. Although most insurance agents recommend purchasing the most robust policy you can afford, some risk-tolerant drivers carry minimum coverage to get the cheapest rates. However, minimum coverage may leave you vulnerable to a hefty out-of-pocket expense if you’re at fault in an accident. Speaking with a licensed agent could help you come up with a coverage package that’s just right for you. 

To help you get started, Bankrate found the companies that may offer the cheapest car insurance in Nebraska, based on coverage level:

Cheapest cities in Nebraska for car insurance 

In almost every state (Nebraska included), your car insurance company can use your zip code as a factor when determining your premium. Typically, car insurance is more expensive in urban areas since your risk of being in a car accident is higher due to population density. Theft and vandalism might be more common in bigger cities, too.

If you’re looking for cheap Nebraska car insurance and are planning to move, the cities below might be good places to research:

Factors that impact cheap rates in Nebraska

Car insurance rates can fluctuate after significant life events, so periodically shopping around can be an effective way to save on car insurance in Nebraska. Some life events — like getting married or purchasing a different car — may help lower your premium. However, adding a young driver or getting a mark on your driving record will likely do the opposite.

Below, we’ve showcased the companies that continue to offer cheap auto insurance in Nebraska, even after these such events:    

Insuring a teen driver

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

Minimum coverage requirements for Nebraska drivers

In Nebraska, like in most states, drivers are required to carry minimum levels of certain car insurance coverages. In Nebraska, you must carry at least the following coverages and levels to drive legally:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $25,000 underinsured motorist bodily injury per person
• $50,000 underinsured motorist bodily injury per accident

If you purchase minimum coverage, you might pay some of the lowest rates. However, if you cause an accident and the damages exceed your insurance limit, you will be responsible for the overage out of pocket. Most insurance professionals recommend that you purchase higher liability limits if you can afford to.

Additionally, minimum coverage does not include comprehensive or collision coverages, the options that provide coverage for damage to your own vehicle. Adding these coverages means you will be purchasing full coverage. If you have a loan or lease on your car, your lender likely requires you to carry full coverage.

How to get the cheapest car insurance in Nebraska

Although car insurance in Nebraska is lower than the national average, you might be able to save even more by following these tips: 

Shop around

Each insurance company offers different rates. Getting quotes for the same coverage limits from several companies might help you find a lower price for the coverage you need.

Maintain a clean driving record

If you have accidents, tickets or DUI convictions on your record, insurance companies will likely charge you a higher premium to offset the increased risk of you causing accidents in the future. If you can keep your driving record clean for several years, you may get a lower rate.

Increase your deductibles

If you have full coverage, you have two deductibles on your policy, one for comprehensive and one for collision. Your collision deductible generally has more of an impact on your premium than your comprehensive deductible. Typically, a higher deductible means a lower premium. However, choosing a deductible is a bit of a balancing act. Most insurance agents recommend that you choose a deductible amount that you can safely pay out of pocket with no warning. Otherwise, you run the risk putting yourself in a precarious financial situation if you need to file a claim. 

Car insurance discounts in Nebraska

Taking advantage of every discount you’re eligible for can be an easy way to find the most Nebraska car insurance savings. Every company offers its own set of unique discounts, but some of the most common ones include:

• Young driver discounts: Teens and young drivers pay some of the highest rates due to their elevated risk. To offset these higher premiums, companies often offer young driver discounts, including the good student discount, driver’s training discount and the distant student discount. 
• Safe driver discounts: Practicing safe driving habits and maintaining a clean record can grant you the best base rates, and you could also earn a safe driving discount. Each company sets its own rules for how long you must be ticket-and-accident-free to qualify, but typically, you must have a clean record for three to five years. For specifics, you may want to ask your agent. 
• Bundling discounts: If you’re in the market for another type of insurance (homeowners or renters, for instance), it could be worth your while to purchase it at the same time as your auto policy, especially if your company offers a bundling discount. 

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores 

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.