Cheapest car insurance in Nebraska 2022

Cheapest car insurance in Nebraska 2022

Nebraska is a relatively affordable place for auto insurance, with a minimum coverage that costs less $216 per year. For full coverage policies, the Cheapest car insurance In Nebraska it can be found all over $1044 per year.

We at the Home Media Reviews team did a research of Nebraska auto insurance companies to discover which ones offer high quality, affordable policies. Here are our findings for the cheapest complete car insurance coverage for drivers across the state:

*These prices are based on a 35-year-old driver with good credit and a clean driving history. Your prices will vary depending on a number of factors.

We also looked at Best car insurance company in Nebraska and ranked our top five overall. Below, you’ll find price estimates for specific groups of drivers and details about the auto insurance coverage required in the state.

How much does car insurance cost in Nebraska?

The average cost of full coverage auto insurance in Nebraska is $1,622 per yearwho goes out to about $135 per month. That’s about 6% less than the national average of $1,730 per year or $144 per month.

Minimum cost of auto insurance coverage in Nebraska

The average minimum car insurance coverage in Nebraska is $417 per yearor about $35 a month. Drivers are once again finding some of the cheapest auto insurance in the country in Nebraska, as minimum liability insurance in Kornhusker costs about 34% less than the national average, which is $635 per year or $53 a month.

Below is the average Car insurance rates To cover the minimum state in Nebraska:

Factors that affect car insurance costs

Auto insurance companies use multiple factors to determine the cheapest car insurance rates in Nebraska.

Some of the most important factors that can affect auto insurance rates in Nebraska are listed below:

  • Site: Drivers in cities like Omaha and Lincoln may pay more than drivers in less populated areas of Nebraska.
  • age: younger and teen drivers You usually pay more than others for similar amounts of auto insurance coverage.
  • Driving record: Motorists who have recently had a car accident, speeding ticket, or DUI ticket are more likely to pay even for cheap Nebraska car insurance options.
  • Balance history: anyone who has a file bad credit The result can be expected to pay high rates for auto insurance in the state of Kornhauser.
  • sex: Young men often pay more than women of the same age, although the difference is not always significant.
  • Marital StatusSingle drivers usually pay higher rates than married drivers.
  • trolley: The make, model, age and mileage of your vehicle helps determine your prices.
  • deductibleDrivers with higher discounts are likely to get some of the cheapest car insurance in Nebraska. But they will have to pay more out of their pocket after the claim.

Cost of car insurance in Nebraska by city

Prices for the cheapest car insurance in Nebraska vary based on the city you live in. Drivers in Omaha and the western half of the state pay some of the highest prices.

* The above average prices apply to the three largest companies in each city.

Cost of car insurance in Nebraska by age

The cheapest car insurance in Nebraska comes at drastically different rates depending on your age. On average, 30-year-old drivers pay $1,749 per year For full car insurance coverage, the cost of coverage for 16-year-olds is on average $6,074 annually.

Cheapest car insurance in Nebraska for 16 year olds

While 16-year-olds won’t avoid paying high rates for Nebraska car insurance, they don’t need to pay more than $6,000 a year. Farmers Mutual of Nebraska charges a much more reasonable average annual rate $2,891.

Cheapest car insurance in Nebraska for 17 year olds

17-year-olds are also charged a higher fee Car insurance premiumsBut they tend to be a bit cheaper than those for 16-year-old drivers. The cheapest car insurance in Nebraska for 17 year olds also comes through Farmers Mutual of Nebraska and costs on average $2,812 per year.

Cheapest Car Insurance in Nebraska for 18 Year Olds

Eighteen-year-old drivers often find the cheapest car insurance in Nebraska from Farmers Mutual of Nebraska. Rates from the average provider around $2,536 per year.

Cheapest car insurance in Nebraska for 21 year olds

As drivers gain more experience on the road, their prices begin to drop significantly. This can be seen by the cheapest car insurance rates in Nebraska for 21-year-olds, which come to an average of $1,668 annually from USAA.

Cheapest car insurance in Nebraska for 25 year olds

USAA is also the best choice for the cheapest car insurance in Nebraska for 25-year-olds. Qualified motorists pay on average $1,298 per year For full coverage from the provider when they turn 25 years old.

Cheapest car insurance in Nebraska after speeding ticket

Drivers looking for the cheapest car insurance in Nebraska after a speeding ticket should consider Nationwide, which averages $1,155 per year.

Cheapest car insurance in Nebraska after an accident

A faulty accident will raise Nebraska’s auto insurance rates compared to people with clean driving records. Those who cause an accident are paid on average $1,331 per year For full coverage of Farmers Mutual of Nebraska.

Cheapest car insurance in Nebraska after DUI

Car insurance is expensive after a DUI violation in Nebraska, with average rates as high as $1,449 per year of American Family, which tends to be Cornhusker State’s cheapest option.

Here are the top five options for drivers looking for quality insurance policies as well as some of the cheapest car insurance in Nebraska:

* Our research team takes into account national factors when registering service providers. The ranking of providers in this table is for Nebraska auto insurance.

#1 USAA: Low rates for the military

JD Power Regional Ranking: 879 / 1,000

AM Best Financial Strength Rating: A++

Better Business Bureau (BBB) ​​rating: A +

USAA offers affordable car coverage exclusively to military members, veterans, and their immediate families. The company has high customer satisfaction scores, and the highest scores for its financial health.

Read on: USAA Insurance Review

#2 Farmers Mutual of Nebraska: Cheap for basic coverage

JD Power Regional Ranking: unclassified

AM Best Financial Strength Rating: a

BBB . rating: A +

While Farmers Mutual of Nebraska does not have a wide range of coverages, people in the basic auto insurance market should consider this company. The Lincoln-based provider offers cost-effective policies to drivers throughout the state of Cornhusker. In addition, it has a solid financial position and receives relatively good reviews from clients.

#3 State Farm: Most Popular Provider

JD Power Regional Ranking: 843 / 1,000

AM Best Financial Strength Rating: A++

BBB . rating: a

State Farm has some of the cheapest auto insurance in Nebraska for those considering full coverage. While it is the largest auto insurance company in the United States, State Farm adds a local touch by spreading agents throughout the area. The company has above-average customer service scores, indicating the satisfaction of many Nebraska drivers.

Read on: State farm insurance review

#4 North Star Mutual: Great Customer Service

JD Power Regional Ranking: unclassified

AM Best Financial Strength Rating: A +

BBB . rating: A +

North Star Mutual isn’t huge, but they are known for providing outstanding customer service to their clients throughout the upper Midwest. The company also has an exceptional financial strength rating from A.M. Best, particularly given its relatively limited scope.

#5 Progressive: Low rates for high-risk drivers

JD Power Regional Ranking: 820 / 1,000

AM Best Financial Strength Rating: A +

BBB . rating: F

Progressive is a great option for those who have been linked as high-risk drivers, such as those with fault or DUI crashes on their records. as progress Car Insurance Discounts To help policy holders save on coverage.

Keep in mind that Progressive is rated F by the BBB and has a score below average in JD Power 2022 التأمين US Insurance Shopping Study℠. Our review team contacted Progressive for comment on the BBB and JD Power scores but received no response.

Read on: Progressive Insurance Review

Car Insurance Requirements in Nebraska

Nebraska has auto insurance standards that every vehicle must meet. Below is an overview of the minimum limits for coverage in the state.

  • Bodily injury liability coverage$25,000 per person and $50,000 per accident
  • Property damage liability coverage$25,000 per accident
  • Covering insured and uninsured drivers$25,000 per person and $50,000 per accident

Note that drivers must purchase Covering uninsured and uninsured drivers As part of the minimum requirements of the state. Although Nebraska has more comprehensive auto insurance limits than many other states, their average rates are on the lower end.

Additional types of car coverage

It is recommended that drivers look beyond the cheapest car insurance in Nebraska, as basic policies rarely provide adequate protection after an accident. Here are some optional auto insurance covers that are popular:

  • collision insuranceLiability auto insurance only covers damage to other cars, so you’ll need collision coverage If you want to protect your car.
  • Comprehensive coverage: full insurance It will cover damage to your vehicle in the event of theft, vandalism or extreme weather conditions such as floods.
  • Covering medical payments: MedPay It takes care of your medical bills after an accident, no matter which driver was at fault. It is similar to Personal injury protection (PIP) but is mainly served in bug states such as Nebraska.

If you rent or finance a car, many lenders will require you to carry it comprehensive and collision insurance.

An excellent way to save money on Nebraska auto insurance is to bundle car coverage with your other policies, such as homeowner and renters insurance.

How to get auto insurance in Nebraska

easy to Compare car insurance Quotes from providers while searching for the best coverage options. This is usually the best way to find the cheapest car insurance in Nebraska, regardless of coverage or budget needs.

We highly recommend visiting USAA, Farmers Mutual of Nebraska, State Farm and North Star Mutual and Progressive. Each of these providers typically offers affordable coverage and excellent customer service to drivers throughout the state of Kornhusker.

our methodology

Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to craft our ratings for the best auto insurance companies. We have collected data from dozens of auto insurance providers to rank companies according to a wide range of rating factors. The end result was an overall rating for each provider, with the insurance companies that scored the most points at the top of the list.

Here are the factors our ratings take into account:

  • Cost (30% of the total degree)Estimates of auto insurance rates generated by Quad Information Services and discount opportunities have been taken into account.
  • Coverage (30% of the total score)Companies that offer a variety of options for insurance coverage are more likely to meet consumer needs.
  • Reputation (15% of all scores): Our research team considered market share, ratings from industry experts, and years in business when giving this result.
  • Availability (10% of the total score)Car insurance companies with the highest availability in the country and few eligibility requirements scored the highest in this category.
  • Customer Experience (15% of the total score): This score is based on the volume of complaints reported by NAIC and customer satisfaction ratings reported by JD Power. We have also taken into consideration the responsiveness, friendliness and assistance of each insurance company’s customer service team based on our shopper analysis.

* Accuracy of data at time of publication.

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