Auto Insurance in Nebraska
Nebraska’s auto insurance rates are on the low side — on average $1,111 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Nebraska’s population of 1.8 million isn’t just focused in its vibrant cities. The wide, expansive countryside of this landlocked Midwestern state is full of picturesque country roads — and drivers eager to get to their destination. With good auto insurance coverage, you’re protected if one of these hurried drivers runs into you or if your car is damaged by the area’s frequent tornadoes.
Nebraska Minimum Liability
While the minimum amount of liability insurance you’re legally required to carry in Nebraska is only $25,000 for bodily injury and $50,000 per accident, it may not be enough to protect you. Most insurance companies would recommend you carry a minimum of $50,000 bodily injury and $100,000 accident insurance, also called 50/100 coverage. You need at least that much to ensure you’re covered if the unthinkable happened so you won’t be personally liable to pay out-of-pocket.
In fact, the best amount of coverage to seek out is 100/300. While that may sound like a high amount now, medical bills and property damage can add up quickly. In 2013, the average property damage auto liability rate was $3,231. Bodily injury claims were even higher, at $15,443. These are only averages, and any one collision can cost you thousands of dollars if you’re not carrying enough car insurance.
Just because you need a good amount of coverage doesn’t mean you have to spend a lot on your auto insurance premium. Seek out a variety of car insurance quotes from multiple companies to find the best rate for your insurance coverage needs. Each company considers the various factors of your driving history in a different light, so you can snag a great rate if you take the time to consider all of the options.
Cheapest Car Insurance in Nebraska
- $1,136Farm Bureau Mutual
- $1,066State Farm
- $1,136American Family
- $876Farmers Mutual of Nebraska
If finding a low-cost auto insurance company is your top priority, then you can choose from these Nebraska insurance providers. You can find an affordable rate by taking the time to get a quote from each company and comparing their available discounts.
However, the trade-off of choosing the cheapest insurance company can be high in the long run. If you only make your decision based on price, you may discover that customer service isn’t up to quality standards. Processing claims can be a lengthy and cumbersome process, with little idea of when you’ll be reimbursed. While national companies can offer a better rate, you lose out on that personal connection of an auto insurance agent who knows your situation well.
Most Popular Companies by Marketshare
- Farm Bureau Mutual
- State Farm
- American Family
- Farmers Mutual of Nebraska
The most popular auto insurance agencies in Nebraska have gained a good reputation among Nebraska’s drivers. Through inviting advertising campaigns and word of mouth references, these insurance providers have amassed a following of loyal customers.
While these companies are a popular choice, this doesn’t necessarily mean they’re the right choice for you. Your personal driving situation is unique, and it’s up to you to do the necessary research to choose the right car insurance provider.
Choosing the Best Car Insurance in Nebraska
When shopping for the top car insurance company, you want to consider more than just the best rate. You’ll be dealing with your insurance company for years, if not for a lifetime, so you want to be comfortable with the way it operates and takes care of its customers. Find out how friendly and personable the insurance agents are, and see if they take the time to explain your coverage options thoroughly. The claims process should be smooth and effortless, providing you with their best assessment of the situation.
Look for a top-rated auto insurance company with a strong financial standing that has been in business for a long time serving customers like you. Find a good but reasonable premium that gives you the best coverage for your situation. Check to see if there are any special discounts that you may qualify for, such as a good driving record or a multi-vehicle discount.
Where is car insurance most affordable?
Insurance rates in the larger cities tend to run higher than what you can find in smaller towns.
Omaha is usually the highest, followed by Lincoln. Expect a more affordable car insurance premium in cities like Bellevue and Grand Island.
All of the larger cities are located in the eastern half of Nebraska, and the rates are higher accordingly. Living in a smaller town in the less populated areas of Nebraska could get you a better insurance rate, as there are fewer drivers on the road.
Lincoln Auto Insurance
The capital of Nebraska, Lincoln is the second-largest city in the state, with 272,996 residents. Lincoln is home to many service and manufacturing companies and is known for its high level of technological development. Despite having a low unemployment rate and being home to the University of Nebraska, its car insurance rate is only slightly higher than the national average.
Omaha Auto Insurance
Sitting both on the Missouri River and the border of Iowa, Omaha is the largest city in Nebraska. Likewise, its insurance rates are higher than the state average, as you navigate among its 446,599 inhabitants. Known as the Gateway to the West, Omaha is home to five Fortune 500 companies and has a strong economy built on the inventions and innovations of its citizens.
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