In 2017, Nebraska had more 1.4million licensed drivers. Over 17.600 people were injured in automobile accidents, and 228 were fatally hurt. Car insurance can help you avoid financial stress in the event of an accident. Full coverage insurance costs in Nebraska are $1,531 on average per year. On average, minimum coverage costs $335 per annum.
Bankrate knows that finding the right car insurance can be difficult. We have examined the average premiums, customer service scores and coverage options for various insurance companies to help you choose the best Nebraska car insurance. This knowledge may help you make an informed decision about the auto insurance company best suited to your needs.
The best car insurance companies in Nebraska
Nebraska drivers should consider many factors when searching for the best auto insurance company. While price is important for most drivers, it’s also important to consider the company’s customer service scores and online tools, as well as coverage options.
Quadrant Information Services was used by Bankrate to obtain current premium information from multiple Nebraska insurance companies. J.D. We also reviewed J.D.
| Provider | Average premium for full coverage annually | J.D. J.D. (Central region). |
|---|---|---|
| Allstate | $2,302 | 832/1,000 |
| Auto-Owners | $1,395 | 868/1,000 |
| Progressive | $1,545 | 849/1,000 |
| State Farm | $1,453 | 849/1,000 |
| USAA | $1,176 | 905/1,000 |
*USAA does not qualify for J.D. Due to eligibility restrictions, power is not possible.
Allstate
Allstate delivers below-industry-average customer satisfaction scores from J.D. The company is powerful but provides excellent coverage. There are options to customize such as sound system insurance, roadside assist, personal injury protection (PIP), and rental car insurance. Local agents are also available to assist. This company is a great choice for accessibility.
Auto-Owners
Auto-Owners provides standard auto insurance protections as well as additional coverages such gap insurance coverage, diminished car replacement coverage, and additional expenses coverage. J.D. also gave it the highest score. The Central region is a powerhouse for customer satisfaction.
Progressive
Progressive offers excellent coverage options, including loan/lease payment, custom parts, and equipment value. Progressive also received above-industry-average scores from J.D. Power for customer satisfaction. The policyholders can take advantage of a variety of discounts and digital tools.
State Farm
State Farm provides multiple insurance options that allow you to consolidate all of your policies into one place. You can also get discounts for multiple policies and for students who insure multiple vehicles or take part in one of the two driving programs offered by State Farm. Although the company provides standard coverage options such as collision, comprehensive, and liability coverage, policyholders have the option to add endorsements, such as ridesharing coverage.
USAA
USAA is a great choice for auto insurance if you are a veteran or a member of the military. The company offers many discounts that will help policyholders to save even more on top of its low rates. J.D. consistently gives the company high marks. Power, but it is not eligible to be ranked because of its eligibility restrictions.
Average cost of Nebraska car insurance
Each state is unique in its insurance situation, which can impact the premiums drivers pay. Nebraska drivers pay an average $1,531 per year for full coverage car insurance. This is slightly lower than the national average full coverage premium, $1,674. In Nebraska, minimum coverage costs just $335 per annum, compared to the $565 national average.
Nebraska’s low population density may make it less likely for vehicle-to-vehicle collisions. This could help explain the low premiums.
| Minimum coverage in Nebraska: Average annual premium | Nebraska’s average annual premium for full coverage |
|---|---|
| $335 | $1,531 |
While finding cheap car insurance is a priority, it’s not the only thing to think about when looking for car insurance. Before making a decision, you might also consider the company’s discounts and coverages, financial strength, and digital tools.
Nebraska’s minimum insurance requirements
Nebraska, like most other states, requires drivers to have at least minimum coverage for certain types of car insurance in order to legally drive. The following coverage requirements must be met by Nebraska drivers:
- $25,000 per person for bodily injury
- $50k bodily injury per accident
- $25,000 property damage per accident
While purchasing minimum coverage can help keep your insurance costs down, insurance professionals recommend that higher liability limits be purchased if possible. The minimum state limits may not be sufficient to cover all damages in an accident at fault. If you finance your vehicle through a loan or lease, your lender may require that you have full coverage insurance.
How to get the best car coverage
There are steps you can take before shopping for Nebraska auto insurance.
- Assess your needs. Insurance companies will use your driving record (especially tickets and accidents) to determine the premium cost. Companies will also take into account where you live, how you drive and your credit rating. It is also important to know whether you are interested in low-priced digital tools, 24/7 customer support, or any other factors.
- You should also consider state factors. Although Nebraska law requires you to have at least the minimum state required limits in order to drive legally in Nebraska, there may be other factors that you might want to take into consideration. You may need to purchase comprehensive coverage for your Nebraska vehicle to protect it against the damage caused by wind and snowfall. You may need to have high-level roadside assistance coverage if you are frequently on the road.
Nebraska offers car insurance discounts
Ask about discounts such as multi-car, safe drivers, and driver education discounts when you shop for car insurance. This will help you save as much as possible. Many insurance companies offer discounts that can help drivers cut down on their premium.
| Get Discount | Allstate | Auto-Owners | Progressive | State Farm | USAA |
|---|---|---|---|---|---|
| Anti-lock brakes | X | X | X | ||
| Anti-theft devices | X | X | X | ||
| Paperless billing/automatic payment | X | X | X | X | |
| Driving course for defensive driving | X | X | |||
| Sign up early | X | X | X | ||
| Full payment | X | X | X | ||
| Good student | X | X | X | X | X |
| Green vehicle | |||||
| Loyalty | X | X | X | ||
| Low mileage | X | X | X | X | |
| Military | X | ||||
| Multiple policies | X | X | X | X | X |
| Multiple vehicles | X | X | X | X | X |
| Organizations or occupational jobs | |||||
| Safe driver/accident free | X | X | X | X | X |
| Safety features | X | X | X |
Questions frequently asked
Which is the best Nebraska car insurance?
Every person has different needs and the best company for you will differ. Geico may offer cheaper insurance for someone who has been in multiple accidents, while State Farm may be more affordable for someone who is a teenager. It is a great way to get quotes from several companies and find the right insurance coverage at a price that suits your budget.
What information are you required to obtain Nebraska car insurance?
Although every company will ask for different information you will most likely need the name, birth date, and driver’s license number of each driver in your household. It is likely that you will also need information about your driving record, such as the year, make, and model of each vehicle, VINs for each vehicle, and details about your driving record.
