Auto Insurance
BestAuto InsuranceAfter a DUIMoneyGeek’s research found that the cheapest car insurance company in Nebraska after a DUI for both full and state minimum coverage is State Farm. State Farm is also our pick as the state’s best auto insurance carrier for someone with a DUI.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Best full coverage after a DUI - State Farm
Cheapest minimum coverage after a DUI - State Farm
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
If you get a DUI in Nebraska, insurance companies can legally refuse to sell you car insurance. You can still find companies that cover drivers with a DUI, but your car insurance rate can increase by up to 79.78%.
Insurers consider drivers with DUIs to be high-risk, so they charge them higher rates. Aside from increased premiums, a DUI arrest or conviction in Nebraska can result in imprisonment, fines, license revocation and mandatory ignition interlock installation.
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Cheapest Car Insurance Companies in Nebraska After a DUI
State Farm and Progressive offer the cheapest car insurance for DUI offenders across the U.S. Drivers in Nebraska can look to these two companies for the lowest rates after a DUI. However, the most affordable carriers might be different in other states.
Cheapest Companies for Full Coverage in Nebraska After a DUI
The cost of your car insurance after a DUI arrest or conviction depends on various factors, such as your desired coverage level. While full coverage car insurance offers extensive protections, it is pricier than a state minimum policy.
If you’re buying full coverage auto insurance, MoneyGeek’s research shows that your cheapest options in Nebraska are:
- State Farm: $842 per year
- Progressive: $1,108 per year
Cheapest Car Insurance for Full Coverage After a DUI
Rank | Company | Annual Premium |
|---|---|---|
1 | State Farm | $842 |
2 | Progressive | $1,108 |
3 | American Family | $1,118 |
4 | Allstate | $1,226 |
5 | USAA | $1,338 |
Cheapest Companies for Minimum Coverage in Nebraska After a DUI
The coverage you choose affects the cost of your car insurance after a DUI. State minimum policies are more affordable than full coverage insurance, but they offer less protection in case of an accident.
MoneyGeek’s research shows that after a DUI conviction, the cheapest state minimum providers in Nebraska are:
- State Farm: $413 per year
- Progressive: $513 per year
Cheapest Car Insurance for Minimum Coverage After a DUI
Company | Minimum Annual Premium |
|---|---|
State Farm | $413 |
Progressive | $513 |
American Family | $562 |
Farmers Mutual of Nebraska | $613 |
USAA | $636 |
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State minimum policies are usually the most affordable car insurance options. Generally, they only include liability coverage, which pays for damages if you’re at fault in an accident. Since state minimum insurance doesn’t include comprehensive or collision coverage, it may not be enough for your needs.
Top Car Insurance Companies in Nebraska After a DUI
To help you find the best car insurance company in Nebraska post-DUI, MoneyGeek ranked the state’s insurers based on affordability, customer satisfaction, financial stability and more. Our analysis shows State Farm is the highest-scoring carrier in the state for both full and minimum coverage.
Best Companies for Full Coverage in Nebraska After a DUI
MoneyGeek’s research found that the best full coverage car insurance providers in Nebraska for people with DUI are State Farm and Allstate. The two carriers gained the highest scores among the eight companies we surveyed in the state. State Farm scored well for complaints, financial stability and discounts, while Allstate had high scores for customer satisfaction and complaints.
1
State FarmBest full coverage after a DUI
Score:4.3
State Farm offers the cheapest full coverage car insurance for DUI offenders in Nebraska for $842 per year. That rate is 8.86% higher than the $774 price for drivers without a DUI.
More About State Farm
State Farm has an excellent rating for complaints, financial stability and discounts, making it Nebraska’s best car insurance provider for someone with a DUI. It offers various discounts, such as good driver and student discounts, and it provides rideshare insurance as an add-on. Although this company services all 50 states and Washington, D.C., it doesn't offer unique coverages, such as OEM coverage.
2
Allstate
Score:4.3
Allstate’s full coverage car insurance for drivers with DUI convictions costs $1,226 per year, versus $933 for motorists with clean records, a 31.38% difference.
More About Allstate
With high scores for customer satisfaction and complaints, Allstate is our runner-up pick for car insurance after a DUI in Nebraska. It’s cheap for young drivers and offers custom parts and sound system coverage. However, drivers can’t get common discounts like multiple car and defensive driving, and the company also has below-average ratings for affordability.
Best Companies for Minimum Coverage in Nebraska After a DUI
In Nebraska, State Farm and Progressive are our top picks for drivers with a DUI who want minimum coverage car insurance. Keep in mind that despite their affordability, state minimum policies usually don’t offer enough protection for most people in case of an accident.
1
State FarmBest minimum coverage after a DUI
Score:4
State Farm’s minimum insurance for DUI offenders is the cheapest in Nebraska at around $413 per year. However, that amount is still 8.86% higher than the $373 drivers with clean records pay.
More About State Farm
State Farm scored excellent for complaints, financial stability and discounts, and it’s MoneyGeek’s choice as the top car insurance company for someone with a DUI. Policyholders get good driver and student discounts from this provider. Although it offers rideshare insurance as an add-on coverage, it lacks unique coverages like OEM.
2
Progressive
Score:4
Progressive has minimum coverage policies for drivers with a DUI at roughly $513 per year. Although that’s the second most affordable in Nebraska, it’s still $466 higher than what drivers without a DUI pay, a difference of 10.34%.
More About Progressive
Progressive scored excellent in complaints, financial stability and discounts, but has an average customer satisfaction score. It offers discounts such as bundling, multiple car, good student, safe driving, pay-in-full and paperless. This provider also offers unique add-ons like custom parts and equipment coverage. However, Progressive is expensive for young drivers and lacks common discounts, like anti-theft system, defensive driving and airbag.
How Much Does Car Insurance Cost in Nebraska After a DUI?
If you’ve had a DUI conviction in Nebraska, MoneyGeek found your car insurance rates can increase by 79.78%. On average, full coverage car insurance for DUI offenders in the state costs $1,622. The chart below shows how car insurance prices in Nebraska change before and after a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$902
Average Cost with DUI
Full Coverage
$1,622Full coverage policy premiums after a DUI cost::$720 more
This is 80% more expensive.
Your car insurance rates will likely go up after a DUI conviction. Driving under the influence of alcohol or drugs is dangerous, so insurance companies will now see you as a high-risk driver. MoneyGeek’s auto insurance calculator can help you get a personalized estimate based on your profile.
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You’ll suffer various financial losses if you get a DUI. Aside from higher car insurance rates, you’ll also incur the following costs:
- Fines, court and attorneys’ fees: You’ll have to settle fines and court fees after a DUI conviction on top of paying for a lawyer.
- Towing or impound fee: Your car can get towed and impounded after you’ve been arrested. You’ll have to pay fees to reclaim your vehicle.
- Drug education and treatment: After your conviction, you may have to attend an alcohol or drug education program.
- DMV reinstatement fee: To regain your driving privileges, you’ll have to pay a fee.
Getting Car Insurance in Nebraska After a DUI
You may find it difficult to get car insurance after a DUI conviction. Many insurance companies are private businesses, and they can legally deny your application since you’ll be risky for them to insure. Nevada’s lengthy look-back period makes getting auto insurance post-DUI more challenging since a DUI offense stays on your record for 15 years.
Insurance companies that accept your application will charge you higher rates. In this case, MoneyGeek recommends that you shop around and compare prices to find the lowest offers available to you.
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In Nevada, you’re legally required to secure an SR-22 form after a DUI violation. It’s a document from your insurance provider indicating that your car insurance meets your state’s requirements. The coverages in SR-22 insurance are virtually the same as those found in regular car insurance policies, but are more expensive. SR-22 forms also come with added fees.
Nebraska DUI Laws
You may face severe legal consequences if you’re caught driving under the influence of alcohol or drugs. Penalties vary from state to state, but they can include license revocation, fines, alcohol treatment program enrollment, ignition interlock installation and imprisonment. MoneyGeek breaks down Nebraska’s DUI laws in the table below.
Driving with a BAC of 0.08% or higher is considered a DUI
Blood alcohol concentration (BAC) refers to the percentage of alcohol in your bloodstream. In Nebraska, driving with a BAC of 0.08% or higher is considered a DUI. Moreover, you can still get arrested even though you haven’t exceeded the BAC threshold if it appears you can’t drive safely.
Driving with a BAC of 0.15% or higher will result in increased penalties
You’ll suffer heavier penalties from a DUI conviction if you’re caught driving with a BAC of 0.15% or more.
180-day administrative license suspension on first offense
Law enforcers can confiscate your driver’s license if you’re arrested for DUI. Your license can get revoked for 180 days after your first offense.
Ignition interlocks are mandatory during license revocation
Following a DUI arrest, you’ll be issued a 15-day temporary license. You may apply for an ignition interlock permit afterward, which requires you to prove that you have an ignition interlock device installed in your vehicle. This device prevents you from starting your engine if you are intoxicated.
Has open container laws
In Nebraska, you’re prohibited from possessing an opened or partially-consumed alcoholic beverage inside a vehicle.
Has repeat offender laws
Nebraska driving laws state that repeat DUI offenders receive increased fines and longer durations of imprisonment and license revocation.
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Frequently Asked Questions
To help you know more about what happens to your car insurance after a DUI conviction in Nebraska, MoneyGeek answered some frequently asked questions about the topic.
Methodology
To determine the top companies for individuals with DUIs in Nebraska, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
sources
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.
- Insurance Institute for Highway Safety. "Alcohol and Drugs." Accessed April 25, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.
- Nebraska Department of Motor Vehicles. "Administrative License Revocation (ALR)." Accessed April 25, 2022.