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Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
There are over in Nebraska, but each driver pays a unique amount for car insurance rates based on their own characteristics. The average cost of car insurance in Nebraska is $335 per year for minimum coverage and $1,531 for full coverage. Rates might vary tremendously from one person to the next - even one carrier to the next - since auto insurance rates are based on numerous personal factors for each driver. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Compare rates and save on auto insurance today! Get quotes Close X How much does car insurance cost in Nebraska
Car insurance rates in Nebraska are based on a variety of factors, which is why rates vary from person to person. Factors such as age, gender, marital status, ZIP code, vehicle type, driving history and credit score are all to quote your rate. Drivers in Nebraska of $335 per year for a minimum coverage policy, and $1,531 annually for full coverage options. This is well-below , where the average driver in the U.S. pays $565 per year for minimum coverage and $1,647 for full. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Nebraska car insurance rates by company
Comparing multiple car insurance carriers is the most effective way to ensure you are choosing the least expensive rates in Nebraska, but also the for your driving lifestyle. CAR INSURANCE COMPANY AVERAGE ANNUAL PREMIUM FOR MINUMUM COVERAGE AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE $426 $2,414 $254 $1,365 EMC $167 $1,204 $479 $1,386 Farmers Mutual of Nebraska $224 $1,386 IMT $284 $1,850 $284 $1,850 $668 $2,037 Motorists $472 $1,906 $242 $1,000 North Star Mutual $242 $1,605 $382 $1,630 $301 $1,438 $258 $1,079 Nebraska car insurance rates by city
Not only does the state you live in impact the average cost of insurance in Nebraska, but the exact city and ZIP code where you live influences how much you pay in auto insurance. CITY AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE % INCREASE IN AVERAGE ANNUAL PREMIUM Omaha $1,594 4% Lincoln $1,334 -13% Grand Island $1,412 -8% Bellevue $1.472 -4% Kearney $1,442 -6% Fremont $1,450 -5% Papillion $1,416 -8% North Platte $1,659 8% Hastings $1,420 -7% Norfolk $1,426 -7% Columbus $1,431 -7% South Sioux City $1,568 2% La Vista $1,439 -6% Scottsbluff $1,699 11% Beatrice $1,499 -2% Lexington $1,588 4% Blair $1,549 1% McCook $1,735 13% Nebraska City $1,473 -4% Seward $1,479 -3% Nebraska car insurance rates by age
Age is a large determining factor in how much you pay for in Nebraska. While most may assume a 16-year old pays the most, the table shows 18- and 20-year olds experience the highest rates based on age. AGE AVERAGE ANNUAL FULL COVERAGE PREMIUM IN NEBRASKA $1,627 $4,448 $3,401 $1,837 $1,626 $1,555 $1,384 $1,319 Age 70 $1,383 *16 year old calculated on parent's policy disclosure Nebraska car insurance rates by driving record
Your driving record has a major impact on . While a speeding ticket increases your annual premium an average of 15%, drivers with accidents and DUIs are susceptible to much higher rate increases. DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MINNESOTA % INCREASE IN AVERAGE ANNUAL PREMIUM $1,767 15% $2,253 47% $2,755 80% How to save on car insurance in Nebraska
Saving on car insurance in Nebraska is highly possible thanks to a numerous amount of . Common discounts include: Multi-policy: One of the most common discounts available is the multi-policy, if you purchase your auto insurance coverage from the same carrier as your homeowners or renters insurance. Safety equipment: If your car is equipped with safety equipment, you should be eligible for further discounts. Safety equipment examples include anti-lock brakes, an anti-theft system, driver and passenger or side airbags or regular seatbelt use. Defensive driving: Most carriers offer a discount if you enroll and complete a defensive driving course. These courses can be taught online or in-person, and teach you valuable driving safety skills. The key to earning this discount is to make sure you take a course approved by the carrier so you earn credit and receive your discount. Paid-in-full: If you pay your annual or semi-annual premiums in full, instead of in monthly installments, then you are likely eligible for additional savings. Not only do you receive a discount, but you might avoid extra fees carriers sometimes tack on to the installment payments. Frequently asked questions
No, Nebraska is not considered a no-fault state. This means Nebraska follows the at-fault laws, which means whichever driver is ruled at-fault is financially responsible for medical payments and property damage to the other other party.
Nebraska has minimum liability insurance requirements, including: $25,000 liability coverage for bodily injury or death per person $50,000 liability coverage for total bodily injury or death liability per accident $25,000 liability coverage for property damage per accident However, only purchasing the minimum requirements may not provide enough financial protection for you. The best course of action is to review with a licensed insurance agent to choose the maximum amount of coverage that fits within your budget. 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. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 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 Sara Coleman Insurance Contributor Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.