From 2013 to 2017, a study found Nebraska had one of the lowest rates of speeding-related deaths per capita. While this is good news for drivers in the Cornhusker State, the seriousness of speeding can not be ignored. Speeding is illegal and can result in tickets, which leads to fines and penalties. Long after the fines are paid, the effects of a speeding ticket in Nebraska are still felt with increased car insurance premiums — with an average increase of 21% to your annual full coverage auto insurance rates.

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How much is a speeding ticket in Nebraska?

The cost of a speeding ticket in Nebraska depends on how far over the speed limit you are caught driving. The fines are broken down into the following:

  • One to five miles over the speed limit is a $10 fine
  • Six to nine miles over is a $25 fine
  • 10 to 15 miles over is a $75 fine
  • 15 to 20 miles over is a $125 fine
  • 25 to 35 miles over is a $200 fine
  • Any ticket over 35 miles over the speed limit is a $300 fine

Fines are doubled when you are caught speeding in a road construction zone or school crossing zone.

How much does a speeding ticket increase your car insurance in Nebraska?

An increase in premiums is highly likely once a speeding ticket is on your driving record. The exact amount of the increase varies depending on the carrier, plus other factors. Teen drivers tend to see a smaller percentage increase since they pay the highest cost already for full coverage insurance.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $4,923 $5,557 13%
18-year-old female $3,973 $4,533 14%
40-year-old male $1,574 $1,840 17%
40-year-old female $1,537 $1,798 17%

Whether the driver is male or female, teen or adult, having a speeding ticket on a driving record makes the driver riskier to insure, which is why a speeding ticket causes an increase in premiums.

How to lower your car insurance after a speeding ticket in Nebraska

A speeding ticket may cause an increase in premiums, but there are still ways to potentially save money. With a bit of effort, you can find competitive prices on premiums while still keeping the coverage options you need.

Get quotes from other car insurance companies

Obtaining quotes from several car insurance companies is a simple but effective method for finding the lowest rates. The chart below illustrates how much the quotes can vary from one car insurance company to another.

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $2,302 $2,681 16%
Farmers $1,931 $2,416 25%
Nationwide $1,423 $1,696 19%
Progressive $1,545 $1,979 28%
State Farm $1,453 $1,688 16%

*Premiums are average annual full coverage premiums for 40-year-olds.

When getting quotes, it’s also important to find out the company’s customer service marks and financial strength ratings. You may be interested in how easy the mobile app and online portal are for everyday use. Understanding these other features helps you make a more well-rounded decision.

Enroll in a defensive driving course

A defensive driving course not only gives you beneficial driving and safety tips but may also help lower your premiums. Savings vary depending on the company, but as long as you are enrolled in an approved defensive driving course, you could earn a discount.

Change your current selections

Another tactic to save on premiums is to review and make changes to your current policy. Although Nebraska requires you to carry minimum liability coverage, along with uninsured/underinsured motorist coverage, there may be other selections you can modify. For instance, you may find the roadside assistance you pay for is no longer necessary since you could have coverage through another outlet, such as a credit card or cell phone carrier.

Other speeding ticket considerations

In addition to fines and penalties, Nebraska uses a point system for tracking moving violations against your driving record. In Nebraska, a ticket stays on your record for five years. If you accumulate 12 points within two years, you face automatic license suspension. Each speeding ticket is worth between one to four points, depending on how far over the limit you were speeding.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company for drivers with speeding tickets is the one offering the coverage options you need within your budget. Comparing multiple carriers is the most effective way to find the best choice. Having a speeding ticket on your record does not necessarily mean you do not have access to top companies; you may simply need to shop around to get more favorable rates.

Can I get points removed from my record if I get a speeding ticket in Nebraska?

Nebraska does allow drivers to have two points removed from their driving record. The driver must enroll in an approved, eight-hour defensive driving course at the driver’s expense to take advantage of this. This option is only available to drivers once every five years.

What is the average cost of insurance in Nebraska?

The average cost of car insurance in Nebraska is $335 per year for minimum coverage. A full coverage policy averages $1,531 annually, below the national average of $1,674 per year.


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.

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.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

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