Car Insurance in Nebraska

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  • Here’s what Jerry customers are paying for car insurance in Nebraska.
  • How much does it car insurance cost in Nebraska?
  • How much does it car insurance cost in Nebraska?
  • How much does car insurance cost in your city?
  • How Much is Car Insurance in Nebraska?
  • Real Quotes for Jerry Customers in Nebraska
  • The Cheapest Car Insurance in Nebraska
  • Most Popular Insurance Companies in Nebraska
  • Cost to Insure Different Cars in Nebraska
  • Car Insurance Laws in Nebraska
  • What Car Insurance is Required by Law in Nebraska?
  • Can You Drive a Car without Insurance in Nebraska?
  • Car Registration Information in Nebraska

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annually Premium: $1,730.48
annually Premium For FullCoverage: $2,003.54
national Annually Premium For BasicCoverage: $1,691.02
national Annually Premium For FullCoverage: $2,448.31
annually Premium For 18: $2,325.67
annually Premium For 35: $1,606.73
difference Between 18And35: 44.75%

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Here’s what Jerry customers are paying for car insurance in Nebraska.

Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
February 8, 2021GMC YukonOmaha37SafecoStandard$165$79
May 28, 2021Nissan Rogue SLincoln28NationwideCurrent$177$81
June 11, 2021Chevrolet Trax LSOmaha31
Assurance America
Current$309$85
July 3, 2021Acura ILX 20Omaha20ProgressiveBasic$232$108
July 3, 2021Acura ILX 20Omaha20ProgressiveBasic$232$108

How much does it car insurance cost in Nebraska?

All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
NE$2,184$1,385$1,169$914$3,429$1,198
National Average$2,524$1,697$2,409$1,430$2,840$2,029

How much does it car insurance cost in Nebraska?

Insurance Company
Before Jerry
After Jerry
Nationwide$2,427$1,390
Kemper
$4,452$1,666
Travelers$2,398$1,710
Dairyland
$4,390$1,718
Safeco$3,784$2,303
Allstate$3,367$2,352

How much does car insurance cost in your city?

City
Before Jerry
After Jerry
Lincoln$2,304$1,599
Omaha$3,069$1,883

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Looking for car insurance in Nebraska? Here you’ll find all the information you need on driving a car in The Cornhusker State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Omaha or Bellevue, Lincoln or Grand Island — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Nebraska car insurance.

How Much is Car Insurance in Nebraska?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Nebraska, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Nebraska pay ${averageAnnualPremium} each year for car insurance. This means drivers in Nebraska pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Nebraska? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Nebraska, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Nebraska

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
November 19, 2020
  • Nissan Rogue S
  • Ford Mustang Gt
  • Chevrolet Gmt-400 K1500
31 year old maleProgressive$121.17$43.07Preferred
January 31, 2021
  • Chevrolet Impala Lt
  • Ford F250 Super Duty
  • Ford F250
23 year old maleProgressive$65.83$209.17Basic
December 10, 2020
  • Toyota Camry Le
36 year old femaleNationwide$89.26$19.07Preferred
January 24, 2021
  • Hyundai Elantra Touring Gls
31 year old femaleCLEARCOVER$71.83$29.17Standard
December 10, 2020
  • Ram 1500 Classic Slt
  • Jeep Compass Latitude
23 year old maleTravelers$189.75$70.25Preferred

The Cheapest Car Insurance in Nebraska

Which companies offer cheap car insurance in Nebraska? Below, we’ve ranked Nebraska car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Nebraska for Basic Coverage

There’s all kinds of auto insurance you can get in Nebraska, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Nebraska. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Nebraska, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1Progressive$968
2CLEARCOVER$1,001

Real Jerry Quotes for Basic Coverage in Nebraska

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
November 19, 2020
  • Chevrolet Colorado Z71
  • Ford Expedition El Eddie Bauer
  • Ford Explorer Sport Trac
  • Jeep Compass Limited
  • Ford Escape Se
  • Mazda Tribute Lx
26 year old maleProgressive$119.33$30.67
January 21, 2021
  • Kia Rio Lx
22 year old maleProgressive$62$94
December 24, 2020
  • Toyota Avalon Base
19 year old femaleProgressive$85$215
December 21, 2020
  • Chevrolet Cobalt Lt
50 year old femaleProgressive$57.33$81.67
December 12, 2020
  • Pontiac Grand Prix
25 year old maleCLEARCOVER$52.33$249.67

Average Cheapest Car Insurance for Standard Plans in Nebraska

Most drivers will want more than the basic minimum coverage that Nebraska requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Nebraska, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,226
2CLEARCOVER$1,287
3Progressive$1,348
4Travelers$1,621

Real Jerry Quotes for Standard Coverage in Nebraska

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 12, 2021
  • Nissan Altima Sr
20 year old femaleProgressive$267.33$32.67
December 10, 2020
  • Chevrolet Cruze Ls
27 year old maleProgressive$100.67$73.33
January 31, 2021
  • Kia Optima Hybrid
36 year old maleProgressive$71.67$48.33
February 1, 2021
  • Chevrolet Equinox Lt
  • Ford Focus Sel
26 year old maleProgressive$144.17$123.83
December 2, 2020
  • Kia Forte Ex
  • Ram 1500 Classic Slt
32 year old femaleProgressive$155.50$84.50

Cheapest Car Insurance in Nebraska for Preferred Coverage

Preferred coverage protects Nebraska drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Nebraska, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Nebraska

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,363
2Nationwide$1,436
3Progressive$1,492
4Travelers$1,779

Real Jerry Quotes for Preferred Coverage in Nebraska

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
November 26, 2020
  • Ford Expedition Eddie Bauer
34 year old maleProgressive$59.83$143.17
January 4, 2021
  • Chevrolet Equinox Lt
57 year old femaleProgressive$54.83$20.17
January 31, 2021
  • Subaru Legacy 2.5i
47 year old femaleProgressive$83.17$146.83
January 15, 2021
  • Ford Five Hundred Sel
  • Ford F350 Super Duty
  • Ford Taurus Limited
  • Chevrolet Malibu 1lt
42 year old femaleTravelers$337.75$262.25
December 18, 2020
  • Ford Crown Victoria Police Interceptor
19 year old maleTravelers$177.83$97.17
Insurance companyAverage annual premium in Nebraska
Progressive$1,623.74
ClearCover$1,671.16
Dairyland$2,423.19
Assurance America$1,023
Allstate$738.18
Safeco$2,213.90
Travelers$1,299

Cost to Insure Different Cars in Nebraska

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Nebraska drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Nebraska. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
December 18, 2020
  • Chevrolet Colorado Lt
26 year old maleProgressive$137.83$155.17Preferred
November 25, 2020
  • Nissan Sentra S
57 year old femaleProgressive$89.83$13.17Preferred
February 20, 2021
  • Kia Sedona Ex
43 year old femaleProgressive$60$149Standard
November 26, 2020
  • Ford Focus Zx4
23 year old maleProgressive$109.17$10.83Preferred
December 26, 2020
  • Ford Focus Zx3
19 year old maleProgressive$79$52.17Basic
November 26, 2020
  • Oldsmobile 88 Royale
36 year old femaleProgressive$57.17$29.83Preferred
December 9, 2020
  • Nissan Altima 2.5
22 year old maleProgressive$55.17$111.50Basic

Car Insurance Laws in Nebraska

In recent years, Nebraska roads have been flagged as some of the riskiest to drive in America. In fact, the state’s drivers are ranked as the sixth worst in the country by some estimates, and Omaha was named the worst driving city in 2018.
Naturally, poor driving leads to car accidents, which in turn contribute to elevated car insurance rates. Nebraska sets minimum insurance requirements for motor vehicles to cover both the offender and the offended in an accident. Here’s what you need to know about the auto insurance coverage minimums administered by the state of Nebraska.

What Car Insurance is Required by Law in Nebraska?

When you’re registering a motor vehicle in Nebraska, one of the requirements is to have Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage.
Nebraska is a “comparative fault” state, which is another way of saying it’s an at-fault state when it comes to assessing responsibility for damage and injuries in a car accident. Nebraska’s PIP insurance requirements are intended to cover the medical costs related to the injury of another driver or bystander when you’re at fault. It may also cover emergency transportation and follow-up doctor’s visits as well as lost wages resulting from the accident.
Like PIP, PDL covers expenses related to an accident, but rather than for people, it’s for property damage. Whether you’ve hit someone’s home or business, damaged a fence or tree, or hit city property like a light standard, your insurance policy covers the cost up to the level set out in your plan.
Other mandatory minimum insurance coverages required in Nebraska include uninsured motorist coverage and underinsured motorist coverage. If you’re involved in a collision and the other driver is at fault, underinsured motorist coverage protects you if the other driver doesn’t have any insurance. Likewise, underinsured motorist coverage provides an extra cushion from unexpected costs if the other driver is at fault and doesn’t have enough liability insurance.

Can You Drive a Car without Insurance in Nebraska?

In Nebraska, state law requires that any vehicle be registered and insured to legally operate on the roads. It’s a Class II misdemeanor to drive without current liability insurance, and if you’re convicted, it will result in an automatic driver’s license and vehicle registration suspension. Reinstating your license and registration requires that you file proof of financial responsibility with the DMV in the form of an SR-22 certificate that your insurer can provide. You’ll also need to pay a $50 reinstatement fee to the DMV in Nebraska.

What Are the Minimum Car Insurance Requirements in Nebraska?

It’s no surprise that minimum auto insurance coverage levels are required to drive in Nebraska. It affords a level of protection for both you as a driver as well as anyone else around you on the road, not to mention property that might become damaged in an accident. To legally operate a vehicle in Nebraska, you must carry these minimum coverages. Minimum Insurance Requirements in Nebraska
  • Bodily injury per person per accident: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
  • Underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident

Car Registration Information in Nebraska

Car insurance isn’t the only thing to be concerned with in Nebraska. You’ll also need to register your vehicle to legally operate it on the roadways in the state. When you either move to Nebraska or purchase a vehicle, you must register it within 30 days. In Nebraska, registration is completed with the county treasurer in the county where the vehicle is most often parked. That’s likely going to be the county where your primary residence is, or if it’s a company vehicle, it could be the county where the business is. For a first-time registration, you’ll need to submit proof of insurance that meets minimum coverages, proof that the sales tax has been paid in the state, and for leased vehicles, a copy of the lease agreement. That’s in addition to your proof of ownership that clearly identifies the vehicle identification number, or VIN. If you’re renewing your registration, the easiest method is through the online registration renewal portal, although it’s possible to renew by mail or by visiting the county treasurer’s office in person. Once you register your vehicle for the first time, you’ll be issued a license plate that has to be affixed to your car at all times. Costs to register a vehicle in Nebraska are as following:
  • An initial registration fee of $15 for passenger vehicles, then every year afterward
  • A $0.50 fee collected as an Emergency Medical System Operation Fund
  • $2 fee that goes toward the Department of Motor Vehicles Cash Fund
  • $1.50 fee collected for the Department of Roads
  • $1.50 County General Fund fee for residents ($5 for non-residents)
  • $3.30 Plate Fee whenever new license plates are issued.
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