Best car insurance in Nebraska for 2022
As of 2017, Nebraska had over 1.4 million licensed drivers on its roads. In that same year, over 17,600 people were injured in auto accidents and 228 were killed. Having car insurance in place can protect you from financial stress if you cause an accident. The average cost for full coverage insurance in Nebraska is $1,531 per year. Minimum coverage costs $335 per year on average.
Bankrate understands that finding the best car insurance for your needs can be a daunting task. To help you find the best car insurance in Nebraska, we have reviewed average premiums, customer service scores, coverage offerings and available discounts for several insurance companies. Armed with this knowledge, you may feel better equipped to choose an auto insurance company that suits your needs.
Best car insurance companies in Nebraska
When searching for the best car insurance company, Nebraska drivers may want to consider several factors. Although price is a factor for most drivers, you may also want to review a company’s customer service scores, online tools and coverage options.
Bankrate utilized Quadrant Information Services to acquire current premium information from several insurance companies operating in Nebraska. We also reviewed J.D. Power scores, as well as coverage and discount options, to determine the best auto insurance companies in Nebraska.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score
*USAA is not officially rank eligible with J.D. Power due to eligibility restrictions.
Allstate delivers below-industry-average customer satisfaction scores from J.D. Power but offers excellent coverage, with options for customization like sound system insurance, roadside assistance, rental car insurance and personal injury protection (PIP). The company is also an excellent choice for accessibility with local agents available to help.
Auto-Owners offers the standard auto insurance protections, in addition to extras like gap insurance coverage, diminished value, new car replacement coverage and additional expenses coverage. It also boasts the highest official scores from J.D. Power for the Central region for customer satisfaction.
Progressive provides excellent coverage options including loan/lease payoff, custom parts and equipment value, rideshare insurance and a deductible savings bank. Progressive also received above-industry-average scores from J.D. Power for customer satisfaction. It offers a wide range of discounts and digital tools for policyholders to take advantage of.
State Farm offers multiple types of insurance, which lets you consolidate your insurance policies in one place. The company also offers discounts for having multiple policies, as well as for good students, insuring multiple cars and participating in one of its two driving programs. The company offers standard coverage options like liability, comprehensive and collision coverage, but also allows policyholders the ability to customize their policies with endorsements like ridesharing coverage.
If you serve in the military or are a veteran, USAA may be an excellent choice for auto insurance. On top of its already low rates, the company offers numerous discounts to help policyholders save even more. The company also consistently receives high scores from J.D. Power, although it is not eligible for official ranking due to its eligibility restrictions.
Average car insurance cost in Nebraska
Every state has its own unique set of circumstances surrounding insurance, which affect the average premiums that drivers pay. On average, drivers in Nebraska pay $1,531 annually for full coverage car insurance, which is slightly less than the national average annual full coverage premium of $1,674. Minimum coverage is also cheaper in Nebraska than it is nationally, costing just $335 per year versus the national average of $565.
Because Nebraska has a relatively low population density, the risk of vehicle-to-vehicle crashes may be lower, which could contribute to its low average premiums.
|Average annual premium for minimum coverage in Nebraska||Average annual premium for full coverage in Nebraska|
Although finding a cheap car insurance company may be a priority, cost is not the only factor to consider when shopping for car insurance. You may also want to take into account a company’s available coverages and discounts, financial strength, customer service scores and digital tools before making a choice.
State minimum insurance requirements in Nebraska
Like most states, Nebraska requires that drivers carry at least minimum levels of certain car insurance coverages to legally drive. Nebraska drivers must carry at least the following coverage levels:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Although purchasing minimum coverage may keep your insurance costs low, most insurance professionals recommend that you purchase higher liability limits if you are financially able to. State minimum limits may not be high enough to pay for all the damages in an at-fault accident. Additionally, if you finance your vehicle with a loan or lease, it is likely that your lender will require you to carry full coverage insurance.
How to get the best car insurance
To find the best auto insurance in Nebraska, there are a few steps you should take to prepare, even before you start shopping for policies.
- Evaluate your needs: Know the status of your driving record, particularly tickets or accidents, because these are part of the rate factors that insurance companies use when assessing the cost of your premium. Companies will also consider where you live, what you drive and your credit score. You should also know if you are primarily interested in a low premium, digital tools, 24/7 customer service or any other factor.
- Consider state factors: Although you have to carry at least the state minimum required limits to legally drive in Nebraska, there are other factors you may want to consider. Wind and snowfall may damage your vehicle in Nebraska; you may want to add comprehensive coverage to your vehicle to protect it from these natural disasters. If you travel frequently, you may want to purchase a high level of roadside assistance coverage, since you may be stranded a long distance away from a repair facility.
Car insurance discounts in Nebraska
When shopping for car insurance, be sure to inquire about discounts, such as multi-car, safe driver or driver education discounts, so you can save as much money as possible on your policy. Most insurance companies offer a variety of discounts to help drivers save money on their premium.
|Automatic payment/paperless billing||X||X||X||X|
|Defensive driving course||X||X|
|Low annual mileage||X||X||X||X|
|Occupational or organizations|
|Safe driver/accident free||X||X||X||X||X|
Frequently asked questions
What is the cheapest car insurance in Nebraska?
Since everyone has different auto insurance needs, the cheapest company will be different for everyone. Someone with multiple accidents may find cheaper car insurance with Geico, for example, while someone with a teen driver may be able to find cheap insurance with State Farm. Obtaining quotes from multiple companies is one of the best ways to find the insurance coverage you need at a price that fits your budget.
What information is needed to get car insurance in Nebraska?
While every company asks for different information, you will likely need the name, date of birth and driver’s license number for every driver in your household. You will probably also need the year, make and model of each of your vehicles, the VINs from each of your vehicles and information about your driving record.
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 sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.