Cheapest Car Insurance In Nebraska For 2024

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Written by Bob Phillips
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In Nebraska, finding affordable car insurance can be challenging, but there are viable solutions. Farmers offers competitive rates and reliable service, providing coverage from basic to comprehensive.

With the cost of living increasing and numerous options available, it’s vital to obtain car insurance that suits your budget and requirements. Whether you’re a new driver, a daily commuter, or a family seeking to reduce insurance expenses, understanding the factors affecting your premiums and where to find the best deals is crucial. Drawing from over ten years of research on car insurance policies, I’ve compiled insights to assist you in navigating this complex market.

This guide explores the specifics of car insurance in Nebraska, analyzes the factors influencing prices, and offers practical advice on obtaining affordable coverage without compromising protection. Let’s embark on this journey to savings and uncover strategies for securing the cheapest car insurance in Nebraska.

Cheapest Car Insurance Companies In Nebraska

farmers mutual nebraska
Cheapest For Young Drivers - Farmers Mutual of Nebraska
farmers mutual nebraska
Cheapest For Drivers With Poor Credit - Farmers Mutual of Nebraska
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Cheapest For Full Coverage - American National
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Cheapest For Seniors - American National
Cheapest Car Insurance, Nebraska

Our Methodology

My investigation involved a systematic gathering and analysis of data concerning various car insurance companies and their products. Initially, I identified key metrics for assessment, including the range of coverage offered, pricing details, customer satisfaction ratings, and the financial stability of insurers. Subsequently, I acquired data from credible sources such as insurance company websites, consumer review platforms, and industry analyses.

Upon compiling the data, I structured it and evaluated each insurance provider based on defined criteria, comparing factors such as coverage options, pricing models, available discounts, and customer sentiments to discern the merits and demerits of each company.

160

Quotes Analyzed

15+

Years Of Industry Experience

37

Brands Reviewed

35+

Research Hours

Cheapest Car Insurance In Nebraska For Young Drivers

In Nebraska, car insurance is generally cheaper for young adults than for teenagers. This is because as people age, they usually drive more carefully, resulting in fewer accidents and lower insurance costs. Insurance companies take this into consideration and offer reduced rates to young adults who have a history of safe driving.

Cheapest Nebraska Car Insurance For 16-Year-Olds

Farmers Mutual of Nebraska got some solid insurance options for 16-year-olds, with prices hovering around $320 per month.

Provider Average Monthly Cost Average Annual Cost
North Star Mutual $410 $4,918
USAA $455 $5,458
Shelter $500 $5,998
Farmers Mutual of Nebraska $320 $3,838
Auto-Owners $372 $4,462

Cheapest Nebraska Car Insurance For 17-Year-Olds

For 17-year-olds, Farmers Mutual of Nebraska offers the most budget-friendly insurance rates, averaging about $236.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $270 $3,238
North Star Mutual $272 $3,262
Iowa Farm Bureau $300 $3,598
Farmers Mutual of Nebraska $236 $2,830
USAA $268 $3,214

Cheapest Nebraska Car Insurance For 18-Year-Olds

Farmers Mutual of Nebraska has insurance packages suited for 18-year-olds at competitive rates, averaging around $215 monthly.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $245 $2,938
North Star Mutual $270 $3,238
Allstate $272 $3,262
Farmers Mutual of Nebraska $215 $2,578
USAA $234 $2,806

Cheapest Nebraska Car Insurance For 21-Year-Olds

Those who are 21 can get the lowest rates from USAA, paying around $142per month on average.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $182 $2,182
Iowa Farm Bureau $190 $2,278
Allstate $210 $2,518
USAA $142 $1,702
Farmers Mutual of Nebraska $173 $2,074

Cheapest Car Insurance In Missouri For Good Drivers

In Nebraska, how much you shell out for car insurance is dependent on factors such as your driving history, age, and the type of coverage you’re after. Typically, if you’ve maintained a clean driving slate with no accidents, you’ll likely qualify for lower rates because insurers see you as less of a liability.

Plus, if you’ve consistently upheld a good driving record, you could be in line for extra discounts. For safety-conscious drivers, it’s wise to scout for quotes from different insurance companies to lock in the best coverage for your needs.

Provider Average Monthly Cost Average Annual Cost

American Family

$45

$538

Farmers

$30

$358

Nationwide

$60

$718

GEICO

$45

$538

State Farm

$43

$514

Cheapest Car Insurance In Nebraska For Drivers With Poor Credit

Nebraska drivers facing credit difficulties can access budget-friendly insurance through Farmers Mutual of Nebraska, starting at about $100 monthly.

Provider Average Monthly Cost Average Annual Cost

Shelter

$172

$2,062

Allstate

$182

$2,182

Farmers

$220

$2,638

American National

$135

$1,618

Farmers Mutual of Nebraska

$100

$1,198

The cost of car insurance is heavily influenced by your credit score, which serves as a gauge for insurers to evaluate your risk. A lower credit score suggests a higher probability of filing claims, which makes you a riskier customer to insure.

In Nebraska, drivers with poor credit may face increased insurance premiums compared to those with good credit. Insurers often factor in credit history when determining rates due to studies indicating a connection between credit score and claim frequency. Individuals with poor credit may struggle to find affordable insurance options but can explore discounts and obtain quotes from various insurers to secure better rates.

 

Cheapest Car Insurance In Nebraska For Minimum Coverage

Nebraska residents often choose Farmers for its inexpensive car insurance, with starting monthly rates usually around $30, making it a cost-effective option for many drivers.

Provider Average Monthly Cost Average Annual Cost

American Family

$45

$538

Farmers

$30

$358

Nationwide

$60

$718

GEICO

$45

$538

State Farm

$43

$514

Drivers in Nebraska must possess a specific level of car insurance to legally drive their vehicles. This fundamental coverage typically encompasses liability insurance, which includes two primary elements: bodily injury liability and property damage liability.

Bodily injury liability coverage aids in covering medical expenses, rehabilitation costs, and potential legal fees if you cause an accident that injures someone else. Property damage liability coverage, on the other hand, helps with the costs associated with repairing or replacing another person’s vehicle or property if the accident is your fault.

The minimum coverage requirements in Nebraska are determined by state law and can vary depending on factors such as your vehicle type and driving history. It’s crucial to carefully assess these requirements and ensure you have adequate coverage to meet legal standards and protect yourself financially in the event of an accident.

Cheapest Car Insurance In Nebraska For Full Coverage

American National presents the most budget-friendly rates for comprehensive car insurance in Nebraska, starting from around $50 per month on average.

Provider Average Monthly Cost Average Annual Cost

State Farm

$114

$1,366

GEICO

$87

$1,042

Shelter

$90

$1,078

American National

$50

$598

Progressive

$110

$1,318

Nebraska’s  full coverage auto insurance ensures thorough protection for drivers and their vehicles. Beyond the obligatory liability coverage, it encompasses collision and comprehensive insurance.

Collision coverage takes care of repair costs for your vehicle post-accident, regardless of who’s to blame. On the other hand, comprehensive coverage deals with damages caused by theft, vandalism, fire, or natural calamities.

This insurance type offers peace of mind by ensuring broad financial protection for various scenarios, covering both your vehicle and others involved in an accident. However, it’s vital to carefully assess your policy to understand coverage limits and deductibles for adequate protection.

Cheapest Car Insurance In Nebraska For Drivers With Prior Incidents

Finding cheap auto insurance in Nebraska can be tough for those with a history of accidents, speeding tickets, or DUIs. These incidents categorize them as high-risk drivers to insurance companies, increasing the probability of future claims.

This problem is intensified in Nebraska due to higher rates of traffic accidents. Insurers utilize data to determine premiums, recognizing a link between prior driving incidents and the probability of future claims.

Cheapest Car Insurance In Nebraska After A Speeding Ticket

If you’ve got a lead foot and need insurance that won’t break the bank, State Farm offers coverage for about $120 on average, making it a smart option for budget-minded drivers.

Provider Average Monthly Cost Average Annual Cost
Nationwide $194 $2,326
Progressive $175 $2,098
State Farm $120 $1,438
Allstate $210 $2,518
GEICO $190 $2,278

Cheapest Car Insurance In Nebraska After An At-Fault Accident

Priced at about $125, State Farm’s insurance option shines as the preferred choice for drivers with past accidents they caused. It’s the most economical fit for their situation.

Provider Average Monthly Cost Average Annual Cost
Allstate $290 $3,478
GEICO $300 $3,598
Nationwide $242 $2,902
State Farm $125 $1,498
Progressive $220 $2,638

Cheapest Car Insurance In Nebraska After A DUI

Looking for affordable car insurance after a DUI? American Family got you covered, with an average price of around $150.

Provider Average Monthly Cost Average Annual Cost
American Family $150 $1,798
GEICO $470 $5,638
Farmers $250 $2,998
Nationwide $305 $3,658
State Farm $415 $4,978

Cheapest Car Insurance In Nebraska For Seniors

American National introduces accessible insurance choices designed for seniors in Nebraska, with an average starting price of about $42 per month.

Provider Average Monthly Cost Average Annual Cost

AAA

$122

$1,462

Shelter

$75

$898

Progressive

$79

$946

State Farm

$100

$1,198

American National

$42

$502

Senior citizens could be entitled to reduced car insurance premiums because insurance companies see them as experienced and careful drivers, which decreases the likelihood of accidents. Additionally, since many seniors drive less frequently, their risk of accidents and insurance claims is lower.

Some insurance companies offer specialized discounts for older drivers, considering factors such as age, driving habits, and completion of safety programs for seniors. Many insurers promote defensive driving courses among seniors by providing discounts after course completion, aiming to enhance driving skills and foster safer driving habits in older adults.

 

Average Cost Of Auto Insurance In Nebraska – By Age

Age Average Monthly Cost Average Annual Cost
16 $526 $6,310
17 $400 $4,798
18 $358 $4,294
19 $275 $3,298
21 $208 $2,494
25 $185 $2,218
30 $148 $1,774
35 $158 $1,894
40 $140 $1,678
45 $150 $1,798
50 $128 $1,534
55 $135 $1,618
65 $125 $1,498
75 $135 $1,618

Average Cost Of Car Insurance In Nebraska – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,198
Male Single $1,230
Female Married $1,250
Male Married $1,300

Average Cost Of Auto Insurance In Nebraska – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $104 $1,246
Good $102 $1,220
Poor $155 $1,858

Cheapest Car Insurance In Nebraska By City

City Average Monthly Cost Average Annual Cost
Seward $200 $2,398
Beatrice $206 $2,470
Blair $208 $2,494
Scottsbluff $215 $2,578
Alliance $220 $2,638

Minimum Car Insurance Requirements In Nebraska

Nebraska has specific car insurance rules. It covers injuries and property damage in accidents. The standard is $25,000 for each person’s injury, $50,000 total for injuries in one accident, and $25,000 for property damage in one accident.

Nebraska also requires Personal Injury Protection (PIP). This helps with medical bills and lost wages after an accident, regardless of fault. It’s there to protect your finances.

Alternatively, you can choose “Health Insurance Primary” (HIP). This means your health insurance pays for accident-related medical costs first, instead of PIP. But not all health plans qualify for HIP, so check with your provider.

Car Insurance Discounts In Nebraska

When you’re on the hunt for car insurance, it’s smart to seek out providers that offer tailored discounts based on your specific needs. Having a conversation with your insurance agent can uncover potential discounts you might not be utilizing. Most major car insurance companies usually provide the following types of discounts:

  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for this discount.
  • Multi-Vehicle Discount: Insuring multiple vehicles under the same policy often earns you a discount, which can be more cost-effective than separate policies.
  • Bundling Discount: Many companies offer discounts to customers who bundle their car insurance with other policies like home or renters insurance.
  • Good Student Discount: Students who maintain good grades might be eligible for discounts on their car insurance.
  • Defensive Driving Course Discount: Completing a defensive driving course can qualify drivers for discounts on their premiums. These courses teach skills that help drivers avoid accidents and reduce risks on the road.
 

FAQs

How much is car insurance a month in Nebraska?

The price you pay for car insurance in Nebraska can fluctuate monthly, influenced by factors like your age, driving background, and the coverage you opt for.

What is the minimum car insurance one must have in Nebraska?

In Nebraska, it’s required that all car insurance policies include coverage for bodily injury and property damage, and they must also have Personal Injury Protection (PIP) coverage.

Which insurance is better in Nebraska?

Opting for the best insurance company in Nebraska is influenced by personal preferences, driving habits, and insurance needs. It’s a good idea to obtain quotes from various insurers to locate the suitable choice for your specific situation.

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