Nebraska Auto Insurance (2024)

Nebraska auto insurance costs are 4% higher than average, but finding cheap auto insurance in Nebraska isn’t usually difficult, especially if you shop at companies like USAA or Nationwide. However, since many factors affect your Nebraska insurance rates, it’s important to familiarize yourself with Nebraska auto insurance laws, requirements, coverages, and more.

Read on to explore the types of auto insurance you need in Nebraska and see how much it might cost for car insurance in Omaha, NE. Then, enter your ZIP code into our free quote comparison tool above to compare Nebraska auto insurance costs with as many companies as possible to find the best policy for you.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Auto Insurance Companies in Nebraska

Nebraska requires all drivers to carry a minimum amount of insurance before driving. As an at-fault state, having the right coverage is vital to avoid financial hardship after a car accident.

There are various factors that affect auto insurance rates, so comparing quotes is integral to finding the most affordable coverage. However, you can see what insurance companies charge Nebraska drivers below.

Minimum Auto Insurance Rates in Nebraska

States require car insurance to protect both you and other drivers. The most commonly required insurance type is liability auto insurance coverage, but some states include others. Nebraska requires the following insurance types:

• Bodily injury liability — $25,000 per person
• Bodily injury liability — $50,000 per accident
• Property damage liability — $25,000 per accident
• Bodily injury uninsured motorist — $25,000 per person
• Bodily injury uninsured motorist — $50,000 per accident

Liability insurance is an important part of your policy because it protects you from expensive bills if you cause an accident.

Uninsured motorist insurance pays for repairs and medical expenses when someone without enough insurance hits you. According to the Insurance Information Institute, 9.3% of Nebraska drivers are uninsured, so having uninsured motorist (UM) coverage can save you thousands.

Buying minimum state insurance is the cheapest option for Nebraska car insurance. Below, you can get an idea of how much minimum insurance costs in the Cornhusker State.

Liability Auto Insurance Average Rates From Top Providers

Geico auto insurance offers the cheapest average rates in Nebraska, followed by USAA. USAA often has the lowest rates for drivers throughout the country but has strict membership requirements. Only military members and their families are eligible for USAA coverage. Check out our USAA auto insurance review for more information.

While liability-only insurance will keep your rates low, it comes with a financial risk. With the rising cost of car repairs and medical bills, Nebraska’s minimum insurance might not cover all the damage you cause in an accident. If you reach your liability limits, you’ll have to pay for anything left over.

Full Coverage Auto Insurance Rates in Nebraska

Full coverage auto insurance refers to a suite of insurance products offering nearly complete protection for your car. It includes liability, comprehensive, collision, uninsured motorist, and medical payments insurance.

Full coverage costs more than minimum insurance, but the extra coverage is usually worth it if it fits your budget. The exact amount you’ll pay depends on factors unique to you, but you can get an idea of what rates you might see below.

Full Coverage Auto Insurance Rates From Top Providers

Nationwide and USAA offer the cheapest average full coverage rates in Nebraska, each costing about $100 a month. These companies are much more affordable than competitors, with the next cheapest company being Geico at about $143 a month. Read more about Nationwide by visiting our Nationwide auto insurance review.

Still, various other factors, such as location, affect your Nebraska insurance rates. For example, rates are usually higher in big cities, so you’ll pay more expensive premiums if you need auto insurance in Omaha, Nebraska.

Nebraska Auto Insurance Rates by Age

Various factors affect insurance rates, but age is one of the most impactful. Statistically speaking, young, inexperienced drivers file more claims, get into more accidents, and engage in reckless behaviors more often than other age groups.

Due to this increased riskiness, young people pay some of the highest rates for car insurance. So while there are ways to find cheaper auto insurance for teens, young drivers should still expect higher rates.

Full Coverage Auto Insurance Monthly Rates by Age and Gender

Once again, Nebraska drivers will probably find the cheapest rates with USAA and Nationwide. The average teen driver pays more than $400 monthly for coverage, but you won’t be stuck with high rates forever. If you keep your driving record clean, your rates will drop in your mid-twenties.

Nebraska Auto Insurance Rates by Credit Score

You might wonder how credit scores affect auto insurance rates in Nebraska. In some states — including Nebraska — your credit score affects your car insurance rates because insurers view auto insurance policyholders with low credit as more likely to miss payments and file claims.

Drivers in Nebraska pay up to 170% more for car insurance when they have low credit scores. However, you can lower your rates by increasing your credit score.

Full Coverage Auto Insurance Monthly Rates by Credit Score

In Nebraska, Nationwide offers the cheapest average rates for drivers with poor credit scores by a large margin. Car insurance quotes in Omaha and other Nebraska cities average just $141 a month with Nationwide but can be nearly $1,000 with State Farm.

Nebraska Auto Insurance Rates After an Accident

Insurance companies look at many factors to determine your rates, but it all comes down to the risk level you represent. The higher the chance you’ll file a claim, the more you’ll pay for insurance.

One of the most telling risk factors for your chance of filing a claim is having previous incidents on your driving record. Having an at-fault accident on your record can increase your rates significantly, making it difficult to find affordable auto insurance for drivers with accidents.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

As you can see, some companies are more forgiving than others when you have an accident on your record. Nationwide and USAA are once again some of the cheapest insurance companies in Omaha and other Nebraska cities.

Although your rates will be higher after an at-fault accident, an incident will only affect your rates for about three years. If you keep your record clean, your rates will eventually return to normal.

Nebraska Auto Insurance Rates After a DUI

DUI convictions have one of the most significant impacts on your car insurance rates and can increase your rates drastically.

DUIs are a red flag to insurance companies, and some will drop drivers after a conviction. Drivers with multiple convictions will probably need to find high-risk auto insurance, but even a single DUI will increase your rates. Finding the best auto insurance for drivers with a DUI can be a challenge.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Farmers offers the lowest rates after a DUI in Nebraska, with USAA and Nationwide close behind. However, higher insurance rates aren’t the only consequence of a DUI.

Nebraska state laws impose the following penalties after a DUI charge:

• First offense: Up to 60 days in jail, a $500 fine, and a license suspension of six months.
• Second offense: Up to 90 days in jail, a $500 fine, and a license suspension of one year.
• Third offense: Up to one year in jail, a $1,000 fine, and a license revocation of 15 years.
• Fourth offense: Up to five years in jail, a $10,000 fine, and a license revocation of 15 years.
• Fifth offense: Up to 20 years in jail, a $25,000 fine, and a license revocation of 15 years.

Nebraska imposes steeper penalties if your blood alcohol content is over .15 or you get too many convictions within a short period. However, a DUI won’t affect your rates forever. If you don’t add more infractions to your record, your rates will drop after about seven years.

Nebraska Auto Insurance by City

Whether you’re looking for Omaha, NE auto insurance or Scottsbluff, NE auto insurance, auto insurance is only slightly more expensive than the national average.

Insurance companies carefully track claim numbers by location, meaning you could see different rates by moving even one ZIP code. 

Cities with higher theft rates, heavier traffic, and more claims will have higher insurance rates. For example, car insurance in Lincoln, NE, is typically cheaper due to lower car theft rates and a smaller population. Insurance companies in Lincoln, NE, consider that drivers have a smaller chance of filing a claim.

On the other hand, even the most populated cities in Nebraska can have low rates. For example, auto insurance in Omaha, NE, is often cheaper than in other cities despite having the largest population.

Other Nebraska Auto Insurance Laws

Aside from the Nebraska auto insurance minimum requirements, there are a few other laws you should know about in the Cornhusker State.

All drivers must keep proof of insurance with them whenever they drive. Nebraska accepts physical copies of your card and digital downloads.

Driving without car insurance in Nebraska is a class II misdemeanor. If you get caught without car insurance, your license will be suspended until you provide proof that you have the minimum coverage. Other penalties include:

• $50 license reinstatement fee
• $50 registration reinstatement fee
• SR-22 insurance for three years

You’ll also face increased insurance rates when you buy a new policy. Insurance companies consider it a red flag if you have gaps in your coverage policy.

However, not all vehicles require insurance. For example, you don’t need coverage for snowmobiles, dealer-plated cars, boats, and campers on the back of trucks in Nebraska.

Optional Auto Insurance Options in Nebraska

Nebraska doesn’t require more insurance beyond the minimum liability requirements. However, purchasing additional insurance is a great way to increase the protection of your car, especially if full coverage doesn’t cover everything.

Most insurance companies offer various add-ons, but the most popular in Nebraska include:

• Loan/lease payoff or gap insurance coverage
• Rental car reimbursement
• Roadside assistance
• Custom parts and equipment
• New car replacement

While adding more coverage to your policy increases your car’s protection, it also increases your rates. So only buy what you need to keep your rates as low as possible.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Nebraska SR-22 Auto Insurance

Some states require drivers to prove financial responsibility with an SR-22 form after certain traffic violations. While you’ll see SR-22 auto insurance advertised, it’s not an actual coverage type. Instead, it’s a form you must submit to your state’s DMV saying you meet minimum insurance requirements.

Nebraska requires drivers to submit SR-22 forms if any of the following apply to you:

• 12 or more points on your license within two years
• Driving without car insurance
• Court-ordered driver’s license revocation
• Reckless driving
• DUI conviction
• Driving with a suspended license

While circumstances vary, most drivers must carry SR-22 insurance for three years. However, you won’t have to figure out how to file by yourself. Instead, an insurance company will file on your behalf.

How to Get SR-22 Auto Insurance in Nebraska 

Getting SR-22 car insurance is especially easy if you already have an insurance policy — all you have to do is contact a representative.

There is a risk that your insurance company will drop you as a customer if you need SR-22 insurance. However, most companies are willing to work with you.

If you need a new policy, getting a quote is a simple process, even when you need SR-22 insurance. Inform any company you shop at that you’ll need SR-22 insurance.

You’ll need to submit SR-22 insurance to reinstate your license when the state suspends it. It’s simple enough to get SR-22 insurance when you have a car, but what happens if you don’t own a vehicle?

In this situation, a non-owner auto insurance policy can help. Non-owner insurance covers you in any car you drive and allows you to meet Nebraska’s minimum requirements. Read more about how to get non-owner SR-22 auto insurance.

Finding SR-22 insurance is relatively easy, but expect higher rates. Your insurance company will likely charge you a filing fee for submitting your SR-22 form, which will also increase your monthly expenses.

Find Cheap Auto Insurance in Nebraska Today

Nebraska drivers pay about 4% more than the national average for insurance, but you can find cheaper insurance by shopping with the right company. Overall, USAA and Nationwide auto insurance are your best bet for affordable coverage.

One of the highest-rated insurance providers in the U.S. limits its customer base to military 🪖and families. If eligible for a policy, you'll want to check out USAA auto insurance. https://t.co/27f1xf1ARb has researched and shared its review here👉: https://t.co/uR2RQsZKJP pic.twitter.com/bv69cDQk8O

— AutoInsurance.org (@AutoInsurance) July 31, 2023

While Nationwide and USAA are often the most affordable companies in Nebraska, you might find better rates elsewhere. The easiest way to ensure you find the best Nebraska auto insurance quotes is to compare rates with as many companies as possible. Enter your ZIP code into our free quote comparison tool below to get started on finding cheap car insurance in Nebraska.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption