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Best Cheap Car Insurance in Nebraska for 2017

February 22, 2016
Auto Insurance, Insurance
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Shopping around is crucial if you’re looking for cheap car insurance in Nebraska. Prices for the same coverages and limits can vary wildly depending on the company, your age and crash history and other factors.

To make things easier, NerdWallet gathered rates from the seven largest insurers in the Cornhusker State and found the three cheapest options for the following types of motorists:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Also in this article

Minimum car insurance requirements in Nebraska

Alternative car insurance in Nebraska

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $889/year

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price

  • $917/year

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price

  • $937/year

For good drivers, Farmers Mutual returned the cheapest average quote at $889 per year, which comes to roughly $74 a month. All three of the most affordable options for this group had annual prices within $48 per year of one another.

If you have a clean driving record, you may be able to save with discounts that reward your safety behind the wheel. It’s wise to compare perks that companies offer, such as those for avoiding claims or accidents, before making a final decision.

Cheapest for young drivers

For drivers in their early 20s.


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price

  • $451/year

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price

  • $452/year

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price

  • $488/year

Young drivers can often get by with relatively lean coverage since they typically don’t have pricey assets or significant savings to lose in a crash-related lawsuit. We collected quotes for motorists in their early 20s carrying the minimum coverage required.

The cheapest among the pack was Allstate, with an average cost of $451 per year. That’s $438 less than the lowest quote for 30-year-old good drivers who had higher coverage limits. All three of the most affordable companies were under $41 a month, so young Nebraskans should have a few decently priced options to pick from.

Cheapest for drivers with one at-fault crash


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price

  • $1,067/year

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price

  • $1,082/year

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price

  • $1,194/year

Causing a crash means your insurer will likely have to pay out for others’ injuries or property damage, and it typically means a rate increase for you. State Farm had the cheapest average quote in our findings, $1,067 per year. This was $178 higher than the best deal we found for motorists of the same age with no blemishes on their record.

There’s still plenty of incentive to shop around, however, even if you’ve caused a crash. The priciest rate overall for this group was over $2,900, which shows how much you stand to save by combing through several offers.

Cheapest for drivers with poor credit

For those placed in the “poor credit” tier.


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price

  • $1,283/year

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price

  • $1,350/year

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price

  • $1,355/year

Insurers in Nebraska can factor in your credit history when determining your rates. If you have poor credit, it can really ding your wallet, even more so than causing a collision.

For instance, Farmers Mutual had the best deal for this group at $1,283 per year. This was $394 more than the cheapest rate we found for drivers with good credit, and $216 higher than the best quote for motorists with an at-fault crash.

Cheapest for retired drivers

For those in their mid- to late 60s who no longer use their car for commuting.


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price

  • $700/year

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price

  • $715/year

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price

  • $754/year

Retirees can score relatively cheap car insurance in Nebraska when they give up the daily commute.

We sampled quotes for drivers in their 60s who drive half as much as other groups. The best deal available was from Farmers Mutual at roughly $58 per month — cheaper than the lowest estimate for good drivers half that age. State Farm and Farm Bureau Insurance had the next cheapest car insurance in Nebraska, respectively.

Minimum Nebraska car insurance requirements

Nebraska drivers must carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per crash.
  • $25,000 property damage liability coverage per crash.
  • $25,000 uninsured motorist bodily injury coverage per person.
  • $50,000 uninsured motorist bodily injury coverage per crash.

Because damages stemming from a crash could exceed the above limits, consider buying more than the bare minimum. You might also want common add-ons such as collision or comprehensive coverage, which pay for damage to your own car.

Check out NerdWallet’s guide to car insurance requirements by state for a better understanding of the coverages in your Nebraska auto policy.

Alternative car insurance in Nebraska

If you’re having trouble getting car insurance because of a bad driving record, poor credit or other factors, you can seek coverage through the Nebraska Automobile Insurance Plan.

For more help finding cheap car insurance in Nebraska, try our car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Nebraska

CategoryCheapest option
Good driversFarmers Mutual
Young driversAllstate
Drivers with one at-fault crashState Farm
Drivers with poor creditFarmers Mutual
Retired driversFarmers Mutual

METHODOLOGY

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per accident.
  • $50,000 property damage liability coverage per accident.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per accident.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used a 2013 Toyota Camry in all cases. Our sample retired driver was 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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