Motorcycle Insurance in Nebraska: The Cheapest Quotes and Best Companies

Motorcycle insurance in Nebraska is the best way to keep riders safe on the road and protect their bikes from theft or damage. MoneyGeek gathered and evaluated average premiums across coverage levels from multiple companies to help you find the cheapest motorcycle insurance in Nebraska. To rank the best motorcycle insurance in Nebraska, a unique rating system that includes affordability, products and services offered and financial stability was used. Review the average rates below to find the best and most affordable policy based on your needs and circumstances.

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The Cheapest Motorcycle Insurance in Nebraska

The least expensive option in the state is a policy that only has the minimum liability coverage limits based on Nebraska motorcycle insurance laws and requirements. However, the cheapest policy may not be the best option for everyone. That is because it only includes bodily injury and property damage liability insurance. For riders who need more protection, getting comprehensive and collision coverage with higher liability limits is the best choice. The coverage used for this analysis was a good Nebraska rider with 50/100/25 liability-only coverage.

Cheapest Liability-Only Motorcycle Insurance Quotes in Nebraska

The cheapest motorcycle insurance in Nebraska on average for a good rider with liability-only coverage are from:

  • GEICO: $99 per year
  • Markel: $133 per year

On the other hand, the most expensive insurance company for a liability-only coverage policy in the state is Dairyland. Its average rate for this type of policy is $241 per year, making GEICO 58.8% less.

Average Annual Premium for Liability Coverage

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  • Company
    Annual Premium
  • 1.
    GEICO
    $99
  • 2.
    Markel
    $133
  • 3.
    Nationwide
    $140
  • 4.
    Progressive
    $154
  • 5.
    Harley-Davidson
    $234

Cheapest Full Coverage Motorcycle Insurance Quotes in Nebraska

Choosing a full coverage policy with comprehensive and collision insurance will provide riders with more protection. It will cover damages caused by collisions with another vehicle or other structures. It also covers expenses due to damages or the loss of your bike after a non-collision incident like fire, theft or vandalism. You will likely need full coverage if you are making payments on your bike.

Based on average rates, the cheapest motorcycle insurance carriers for good riders with a full coverage policy that includes 50/100/25 coverage and a $500 deductible are, on average:

  • GEICO: $284 per year
  • Dairyland: $297 per year

Meanwhile, the most expensive company for full coverage motorcycle insurance in Nebraska is Nationwide. The company’s average rate is $424 per year, which means riders can save as much as 32.9% per year by shopping around.

Average Annual Premium for Comprehensive and Collision

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  • Company
    Annual Premium
  • 1.
    GEICO
    $284
  • 2.
    Dairyland
    $297
  • 3.
    Progressive
    $319
  • 4.
    Harley-Davidson
    $344
  • 5.
    Markel
    $394
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What Is the Average Motorcycle Insurance Cost in Nebraska?

There are many factors that impact motorcycle insurance rates in Nebraska, such as coverage amounts, motorcycle model, riding record, age and years of riding experience. MoneyGeek collected average premiums for different rider profiles from insurance providers offering coverage in Nebraska.

The average cost of a full coverage policy in the state is $344 per year or approximately $29 monthly. That means Nebraska riders typically pay $20 or 5% less than the national annual average of $364.

A liability-only coverage in the state costs $167 per year on average or around $14 monthly. In comparison, Nebraska riders pay $25 more than the $141 national average. This type of motorcycle insurance policy does not cover your motorcycle or injuries if you caused the accident.

The sample policy coverage used to determine Nebraska averages were $50,000/$100,000 bodily injury coverage with $25,000 property damage, a $500 deductible for full coverage policies and uninsured and underinsured motorist minimum coverage.

Car Insurance Costs by Coverage Type

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  • Policy Type
    Average 12-Month Cost in Nebraska
    Average 12-Month National Cost
    Variance
  • Full Coverage
    $344
    $364
    -$20
  • Liability Only
    $167
    $141
    $25
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The Best Motorcycle Insurance Companies in Nebraska

Cost is important, but it’s not the only factor to consider when choosing an insurance company. In rating insurance carriers in Nebraska, MoneyGeek used a unique scoring system that evaluates products and services, affordability and financial stability. To learn more about the calculation, please review our methodology section. Based on the final scores, the best motorcycle insurance company in Nebraska is GEICO.

Based on MoneyGeek’s study, the best motorcycle insurance carriers in Nebraska are:


1
GEICO
Score:90

5/5

Affordability

3.3/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Mobile app and online quoting tool
  • Convenient payment channels and methods
  • Competitive rates and discounts

Cons

  • Average product offering and service ratings
  • Discounts may not be available in all states
  • Hard to find local agents
More About GEICO

The top-ranking company in Nebraska is GEICO, which garnered a MoneyGeek score of 90 out of 100. It has high ratings across categories, including perfect scores in affordability and stability. On average, liability-only motorcycle insurance costs $99 per year for Nebraska riders. Meanwhile, the rate for full coverage averages $284 annually. Motorcycle riders in Nebraska that value convenience may consider GEICO. It has an online quoting tool and a mobile app that allows users to get proof of insurance, find the lowest gas prices nearby, pay bills and change coverage. There are also various payment channels and methods available. Policyholders with comprehensive or collision coverage automatically have accessories coverage, which protects all the extra accessories in the bike like CB radios, chrome pieces, helmets and saddlebags. You can also get towing and labor coverage, which will be useful if you need an emergency tow or jump start. GEICO policyholders also have access to discount opportunities

2
Progressive
Score:89

4.4/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Mobile app available
  • Free online quotes
  • Wide range of extra coverage options

Cons

  • Offerings vary by state
  • Discounts may not be available in all states
  • Large Accident Forgiveness has strict eligibility requirements
More About Progressive

Progressive received a MoneyGeek score of 89.36 out of 100. Its liability-only policy in Nebraska costs an average of $154 per year, while a full-coverage policy averages $319 annually. The company offers a wide range of coverage options for various types of motorcycles. You can customize the features of the policy to fit your needs. Progressive also has many discounts. Responsible drivers who remain accident-free for three years can get a discount. Paying on time automatically makes you eligible for a discount on every renewal. Policyholders get automatic coverage for custom parts and original equipment manufacturer (OEM) parts. The insurer also offers two types of accident forgiveness. If your claim costs less than $500, you will not experience a premium hike. There is even a Large Accident Forgiveness feature that covers the first accident of the year for eligible members. Riders who want extra coverage can get a disappearing deductible, which takes 25% off the deductible for every claim-free policy term.

3
Dairyland
Score:84

3.9/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Mobile app and online quoting tool
  • Flexible payment options
  • Wide range of coverage options

Cons

  • Not available in all states
  • More expensive than other insurers in the state
  • Fewer discounts than other companies
More About Dairyland

Dairyland has a MoneyGeek score of 83.94 out of 100. Its liability-only motorcycle insurance in Nebraska costs an average of $241 per year. Meanwhile, the company’s full coverage policy has an average rate of $297 annually. Dairyland offers different motorcycle insurance coverage for different types of bikes. The company also offers extra coverage options like trip interruption, which will cover incidents even when you are far from home. If your motorcycle gets damaged due to an accident while you are more than 100 miles away from home, this coverage will pay for certain expenses like food, lodging, lost deposits, transportation and towing. The company even offers emergency roadside assistance coverage that includes emergency roadside service for flat tires, bad battery, mechanical breakdown and electrical breakdown. If repairs are necessary, this coverage will take care of the tow service to the nearest qualified facility. Dairyland’s roadside services are available 24/7.

How to Get a Motorcycle Insurance Quote in Nebraska

Insurance carriers consider various factors when calculating motorcycle insurance quotes in Nebraska. Shopping around will help you find the best accurate policy for your needs. Most insurers in the state offer online quoting tools. To get a personalized quote, you will need the following information:

  • Personal information, including your birthdate and riding record
  • Vehicle year, make and model
  • Nebraska address where the bike will be located
  • Insurance coverage elections (for more information on this, see below)
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How Much Motorcycle Insurance Coverage Do You Need in Nebraska?

Nebraska motorcycle insurance laws and requirements state that all bikers should have at least a minimum liability-only coverage policy with:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $25,000 property damage liability
  • Uninsured motorist coverage
  • Underinsured motorist coverage

How Much Insurance Coverage Is Required in Nebraska?

All motor vehicles in Nebraska should have at least a 25/50/25 liability-only coverage. These refer to at $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. These will be the limits for the amount your insurer will pay in an at-fault accident.

Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Nebraska?

Nebraska riders are also required to have uninsured motorist coverage with liability limits of at least $25,000 per person and a total of $50,000 per accident.

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MONEYGEEK EXPERT TIP

For most riders in Nebraska, MoneyGeek recommends a full coverage policy of at least 50/100/25 and preferably 100/300/100 because of the small incremental cost for a large increase in coverage. Nebraska requires uninsured motorist coverage. To ensure enough protection, MoneyGeek recommends you match this coverage with the policy coverage stated above.

Frequently Asked Questions About Motorcycle Insurance in Nebraska

Various factors affect motorcycle insurance quotes in Nebraska. Here are some of the most frequently asked questions about motorcycle insurance in the state.

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Methodology

MoneyGeek collected motorcycle insurance quotes directly from insurance providers based on varying coverage amounts and driver profiles to help our users determine which is the least expensive provider in Nebraska. The best motorcycle insurance companies in Nebraska were determined using three factors, including policy cost in Nebraska (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). The most recent license laws and insurance coverage requirements in Nebraska were gathered from the state Department of Motor Vehicles and Nebraska Legislature to ensure accurate and up-to-date information.

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.


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