If you have a bad driving record, insurance companies will consider you a risky driver and charge more for a policy. The best way to get affordable high-risk car insurance rates in Nebraska is to shop around and compare quotes.
Based on MoneyGeek's analysis, State Farm is Nebraska's best and cheapest option for a high-risk auto insurance policy. The average cost is $865 a year.
Best Companies for High-Risk Drivers in 2023
Having a history of driving violations like at-fault accidents, speeding tickets, a DUI conviction or even being young can make you a high-risk driver. Insurance companies may consider insuring such drivers risky because they are more likely to file a claim.
MoneyGeek’s research shows high-risk drivers in Nebraska pay around 24% more for an insurance policy than clean-record drivers.
Many factors can cause insurance companies to consider you a high-risk driver and charge a higher rate for a policy. For instance, if you have a history of driving under the influence of alcohol or with a suspended license, you will pay a higher premium. Your insurance rates might also rise if you indulge in dangerous driving habits or drag racing.
The following are examples of drivers that insurers might consider high-risk:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in Nebraska for High-Risk Drivers
MoneyGeek analyzed different insurance companies and found that State Farm offers the most affordable car insurance for high-risk drivers in Nebraska. On average, the company charges $865 annually to insure a high-risk driver.
Read our review of State Farm auto insurance to understand its advantages, rates and other important information.
Nebraska’s law requires drivers with serious driving violations like a DUI conviction or reckless driving to file an SR-22 form to prove they have a policy that meets the state’s minimum insurance requirements. Your insurer files the form on your behalf.
Best Car Insurance in Nebraska for High-Risk Drivers
MoneyGeek’s research shows that State Farm offers the best insurance for high-risk drivers in Nebraska. The company received a MoneyGeek score of 91 out of 100. Our State Farm auto insurance review can help you learn more about this insurer.
Allstate, the second-best company for high-risk insurance in Nebraska, got a MoneyGeek score of 71 out of 100. Our review of its auto insurance can help you understand its pros and cons.
State Farm charges around $865 per year for high-risk car insurance in Nebraska. A high-risk driver pays roughly 11% more for a policy than a clean-record driver.
Based on MoneyGeek’s State Farm auto insurance review, the company offers several discounts and add-on coverages like rideshare insurance, rental car/travel reimbursement and roadside assistance.
However, it doesn’t provide unique add-on coverages like original equipment manufacturer (OEM).
Discounts high-risk drivers may get to help lower their policy cost with State Farm include airbag, anti-theft system, good student and new vehicle.
Allstate’s high-risk auto insurance policy in Nebraska costs an average of $1,122 per year. The company charges around 17% more to insure a high-risk driver than a clean-record driver.
Allstate’s auto insurance review shows that although the company offers custom parts and sound system add-on coverages, it doesn’t offer other unique coverages. Policyholders can get gap insurance, deductible modification and new car replacement.
Discounts that Allstate provides to help lower auto insurance costs include anti-lock brakes, automatic payment, good student and paperless.
It’s important to understand that you may pay a higher cost for more coverage and better service quality. However, MoneyGeek reviewed insurance options for low-income families and individuals in Nebraska and found that it’s possible to find sufficient coverage at an affordable cost.
Cheapest Car Insurance in Nebraska for Drivers With a DUI
If you’re looking for cheap car insurance with a DUI in Nebraska, State Farm may suit you best. The company charges an average of $842 annually, the lowest of all reviewed insurers, to drivers with a DUI conviction. MoneyGeek’s State Farm auto insurance review can help you decide if this company is the ideal option based on your needs.
Drivers with a military background and a DUI on their record may benefit the most budget-wise from a USAA auto insurance policy.
The look-back period refers to how long a DUI conviction will stay on your driving record. It varies depending on your state. However, look-back periods are generally long to make it easy to impose harsher sentences or penalties on regular offenders. The look-back period in Nebraska is 15 years.
Cheapest Car Insurance in Nebraska for Teenage Drivers
MoneyGeek analyzed different insurance companies and found that State Farm is the cheapest option for teenage drivers in Nebraska. The company's policy costs an average of $2,899 per year. Our analysis of its insurance will help you understand its pros and cons and other details.
Insurance companies charge higher rates to insure young drivers because they have less experience on the road. However, MoneyGeek recommends buying a full coverage policy since it offers more protection in an accident. We researched the cheapest insurance options for young drivers to help you find the insurer that fits your needs.
Cheapest Car Insurance in Nebraska for Drivers With Bad Credit
Drivers with bad credit usually pay a higher rate for a car insurance policy. Based on MoneyGeek’s analysis, GEICO offers the cheapest policy for drivers with bad credit in Nebraska. It charges around $905 per year.
Read our GEICO auto insurance review to understand what coverages and discounts it offers and whether this company will suit your needs.
Although insurance companies charge higher rates to insure drivers with bad credit, finding an affordable policy is still possible. MoneyGeek explored ways to get cheaper car insurance with a poor credit history and researched the best companies and options for such drivers.
How Much Does Car Insurance Cost for High-Risk Drivers in Nebraska?
Before giving you a quote, insurance companies analyze your driving record and profile. That’s one of the reasons why high-risk drivers get expensive quotes.
MoneyGeek’s data shows that Nebraska insurance companies charge an average of $893 annually to insure drivers with a clean record. However, the average insurance cost for a high-risk driver is $1,201 per year. A high-risk driver pays around $308 more for car insurance in Nebraska.
Annual Car Insurance Cost in NE for Low-Risk vs. High-Risk Drivers
This is 34% more expensive.
You can use MoneyGeek’s Nebraska car insurance calculator to estimate your monthly insurance payment. It can help you determine your insurance cost based on factors like age, driving record, coverage amount and other essential details. That way, you may uncover what is affecting the cost the most and whether it is adjustable to decrease your premium.
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Can You Still Get Car Insurance in Nebraska if Insurers Refuse to Insure You?
Since Insurance is a voluntary market, car insurance companies can deny you coverage if they deem you too risky to insure. For drivers unable to get coverage due to their record, buying a residual market plan through the Automobile Insurance Plan Service Office (AIPSO) is the best option. It’s a national, not-for-profit corporation that has helped high-risk drivers find suitable coverage for over 45 years.
Nebraska Automobile Insurance Plan
AIPSO has a database that can help you get a suitable residual market plan depending on your location. Based on AIPSO’s database, the residual market plan in Nebraska is called the Nebraska Automobile Insurance Plan. To get coverage, the driver must have a valid license or the ability to get one and certify that they could not buy insurance below plan rates in the state within the preceding 60 days before the application.
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Frequently Asked Questions
MoneyGeek researched the following frequently asked questions about high-risk car insurance in Nebraska to make it easier to understand and help you find a policy that fits your needs.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 15, 2022.