Auto insurance for high-risk drivers in Nebraska

1
Ryan McGinnis/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Drivers with multiple at-fault accidents, tickets or a DUI may have a harder time finding affordable rates for car insurance. In addition, reckless or high-risk driving in Nebraska could lead to your license being suspended, restricted or revoked. Nebraska high-risk auto insurance is an alternative coverage option when your traditional vehicle insurance is no longer available or affordable.

High-risk car insurance rate in Nebraska

The cost of your Nebraska vehicle insurance depends on your driving record, vehicle and level of coverage, as well as various other factors. Nebraska high-risk auto insurance is often cheaper than traditional coverage. Each insurance carrier has its own threshold of risk when pricing your vehicle insurance. One company may provide affordable insurance for a driver with speeding tickets but could raise premiums sharply after an accident or claim.

Insurance rates after a speeding ticket

Speeding tickets could increase your auto insurance rates slightly or significantly, depending on the insurance carrier. No formula can determine which insurance company will be cheapest after a speeding ticket. However, Bankrate’s analysis found Nationwide, USAA and Farmers to be the most affordable carriers on average.

Car insurance company Nebraska average annual premium for full coverage before a speeding ticket Nebraska average annual premium for full coverage after a speeding ticket % difference
Nationwide $1,047 $1,588 52%
USAA $1,138 $1,352 19%
Farmers $1,282 $1,698 32%

Rates after an accident

In Nebraska, being held responsible for a car accident will raise your premiums more than a speeding ticket. However, high-risk auto insurance Nebraska rates vary dramatically from one insurance company to another.

Car insurance company Nebraska average annual premium for full coverage before an accident Nebraska average annual premium for full coverage after an accident % difference
Nationwide $1,047 $1,893 81%
USAA $1,138 $1,593 40%
Farmers $1,282 $1,826 42%

Nationwide car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums by 81%. Meanwhile, USAA’s rates increase by 40% after an accident and Farmers’ rates increase by 42% after an accident, on average. It is worth noting that USAA is only available to military and qualifying family members.

Insurance rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and safety-wise.

Here’s how getting a DUI can impact auto insurance rates.

Car insurance company Nebraska average annual premium for full coverage before a DUI Nebraska average annual premium for full coverage after a DUI % difference
Nationwide $1,047 $2,356 125%
USAA $1,138 $2,230 96%
Farmers $1,282 $1,756 37%

Drivers convicted of a DUI in Nebraska will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.

Car insurance rates for teen drivers

Car insurance premiums for parents who add their teens to their policies in Nebraska are higher than average.

Car insurance company Average annual premium for full coverage
Nationwide $1,927
USAA $2,715
Farmers $2,676

*16-year-old on their parent’s policy

Getting quotes from several carriers is the best way to find the most affordable car insurance.

Who is a high-risk driver?

High-risk drivers come in all ages and experience levels. Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk.

Many states may suspend or revoke your license after you accumulate six points. Nebraska could suspend your license after getting four points in one year. Considering that one at-fault crash may cost you three points for driver negligence, your license could be suspended after a second accident or ticket.

How to lower your rate if you’re a high-risk driver

High-risk drivers have limited carrier options and higher premiums. One way to offset the limited options is by finding ways to decrease the cost of coverage:

  • Compare multiple carriers to find the cheapest coverage based on your current needs.
  • Apply as many discounts as possible. Some examples are accident forgiveness and multi-line discounts, as well as discounts for low-mileage drivers and student drivers.
  • Increase your deductible to the highest amount you can afford.

Saving as little as 5 to 10% on your car insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf.

Do I need extra auto insurance if I’m a high-risk driver?

All Nebraska drivers are required to have liability insurance with minimums of $15,000 in bodily injury and death per person, $30,000 total per accident and $5,000 in property damage. You should consider speaking with a licensed agent to determine what levels of car insurance coverage are right for your situation.

How many points do I get in Nebraska if I cause an accident?

Nebraska assigns zero to three points if you’re a negligent operator (responsible for a car crash). The DMV may suspend or revoke your accident after you have four points on your record.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

High-risk drivers

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor