How Much Is Car Insurance in Nebraska? Rates by Coverage Level, Age, Driving History and Location

Nebraska is the 13th cheapest state for auto insurance in the U.S. On average, Nebraska car insurance rates start at $923 annually, cheaper than the $1,424 national average. MoneyGeek averaged these rates from various companies and locations for one sample driver. We also analyzed coverage level, age, driving history, credit score and location.

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On average, Nebraska drivers pay $923 annually for car insurance. This rate is for a 40-year-old driver with a full coverage policy and clean driving record.

If the same driver purchased a minimum coverage insurance policy in Nebraska, it would cost an average of $472 annually. Actual insurance costs differ depending on various individual factors, such as the driver’s age, coverage needs and credit score. For example, if a 16-year-old driver purchased a full coverage policy, they would pay an average of $2,148 annually.

MoneyGeek broke down the average Nebraska car insurance rates to help you understand how bad costs fluctuate based on driver circumstance.

Average Cost of Car Insurance in Nebraska: Summary

Average car insurance costs in Nebraska can vary vastly based on various factors including the driver’s age, driver history, coverage and credit score.

In Nebraska, the most significant factor affecting car insurance rates is the driver’s age — specifically teen drivers. Poor credit scores can also increase your annual insurance costs by several hundred dollars.

You can learn more about how your individual factors impact your average cost of car insurance and how rates vary by insurance carriers, demographics, vehicle type and more.

Learning more about how individual factors impact the average cost of car insurance can help you find the best coverage and price for your needs.

Average Costs of Car Insurance in Nebraska

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Why Are Car Insurance Rates Cheap in Nebraska?

Based on MoneyGeek’s auto insurance rates by state data, Nebraska ranked 13th cheapest in the U.S. The state’s car insurance rates remain inexpensive because of low averages in traffic density, percentage of uninsured motorists and disaster risk.

Nebraska is ranked 46th in the country for low traffic density at three percent. The state also boasts a low nine percent rate of uninsured motorists, ranking it 34th across the states. These factors help keep Nebraska car insurance rates affordable.

Average Cost of Car Insurance in Nebraska: Full Coverage vs. Minimum Coverage

Choosing a policy that meets the state minimum coverage requirements is typically the cheapest option in the city. On average, the cost of a minimum coverage policy is $472 per year. A full-coverage policy, as defined in MoneyGeek’s methodology, costs an average of $923 annually. That is a difference of $451 per year.

The average car insurance costs in Nebraska will be based on the coverage level. Aside from liability coverage, you can also get comprehensive and collision coverages. If you select a policy with full coverage, you will pay more for the additional features.

Average Cost of Car Insurance in Nebraska by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in Nebraska - By Company

Your Nebraska car insurance rates will also depend on the insurance company that you choose. You will get a different rate per company.

If you are looking for cheap full coverage car insurance, the most affordable options are USAA and GEICO. However, USAA policies are only for military families. For affordable liability-only insurance, GEICO and Farmers Mutual of Nebraska are the most inexpensive in the state.

Based on average rates, MetLife offers the priciest plans for both the state minimum coverage and full coverage.

Average Annual Costs of Car Insurance in Nebraska - By Company

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How Much Is Car Insurance in Nebraska by Age

Your age will have a significant impact on your insurance premiums. In Nebraska, young drivers are considered risky and more likely to have accidents. Therefore, insurance companies tend to charge higher insurance prices to young drivers.

The average insurance rate for a 16-year-old’s policy is $2,148 per year, $1,225 more than the average cost for a 40-year-old driver.

First-time drivers in Nebraska are treated as young drivers and will be getting similar car insurance rates as teenagers.

Young drivers can save money by choosing to be included in their parent’s auto insurance plan.

Average Costs of Full Coverage Car Insurance in Nebraska - By Age

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How Does Driving History Affect Car Insurance Costs in Nebraska?

Insurance providers consider drivers with multiple violations or who have been in road accidents as high-risk individuals. Because of this, they have higher auto insurance expenses. That said, you can still find affordable insurance for individuals with a bad driving record in Nebraska by shopping around.

Based on MoneyGeek’s data, having a speeding ticket can increase your average car insurance cost in Nebraska to $1,055 per year. That is $131 more than the average rate for individuals with a clean driving record. The cost difference will increase if you have more severe violations like a DUI or an at-fault accident.

Average Costs of Full Coverage Car Insurance in Nebraska - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $923
  • Speeding Ticket
    $1,055
  • At-Fault Accident
    $1,444
  • DUI
    $1,648

Credit Scores and the Cost of Car Insurance in Nebraska

Nebraska drivers with a poor credit score pay an average of $1,442 annually, which is $640 more than the average annual rate for those with good credit scores. If you have an excellent credit score, you will be paying an average of $141 less than drivers with a good credit score. That means you can save on insurance premiums if you maintain a good to excellent credit score.

While drivers with poor credit scores pay more, there are still affordable car insurance plans for individuals with bad credit in Nebraska.

Average Costs of Full Coverage Car Insurance in Nebraska - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $661
  • Good
    $802
  • Fair
    $1,002
  • Below Fair
    $1,195
  • Poor
    $1,442

How Much Is Car Insurance in Your City?

Auto insurance premium prices can vary greatly between states. Rates can also differ within states, depending on the city you live in.

In Nebraska, Lincoln has the cheapest average rate at $822 per year. On the other hand, Omaha has more expensive annual premiums with an average of $999 per year.

Areas that are more densely populated, those with a higher chance of road accidents or cities more prone to natural disasters tend to have more expensive auto insurance rates.

Average Costs of Full Coverage Car Insurance in Nebraska - By City

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Frequently Asked Questions About Nebraska Car Insurance Rates

To help you better understand Nebraska car insurance rates, here are some of the frequently asked questions (FAQs).

Methodology

The car insurance quotes MoneyGeek used in this guide were collected in collaboration with Quadrant Information Services across Nebraska. These rates are for a full coverage policy for a 40-year-old driver with a clean driving record, unless altered by the factors described above including coverage levels, age, driving violations and credit score. Policy limits can be found on MoneyGeek’s methodology page.

MoneyGeek also collected and analyzed data on highway traffic density, percentage of uninsured motorists, urban share of population and motor vehicle theft rate

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.