Looking for Cheap Car Insurance in Nebraska?
With a mostly rural population, low cost of automotive repair, and a relatively low percentage of uninsured drivers on the road, insurance in Nebraska is quite affordable. The location of your home doesn't always determine the cost of your insurance. So no matter where you live—Lincoln, Omaha, or a smaller town—you can find affordable rates by comparing different providers to land the best premium.
Carlay, a licensed insurance broker, has made it easier than ever to shop around for new insurance policies. With Carlay, you can get quotes, cancel your old insurance, and even handle the switchover effortlessly. Did you know as a Carlay customer, you can save up to $879 per year?
Here are some actual quotes from real Carlay customers in Nebraska:
How Much Does Car Insurance Cost in Nebraska?
Carrying basic liability car insurance in the state of Nebraska will cost you an average of $1,783 per year. If you go for full-coverage car insurance, the annual cost will be $2,485 on average.
In comparison, the average annual cost to purchase liability car insurance is $1,783 and the average cost to purchase full coverage car insurance is $2,485 for a 12 month period.
What contributes to the insurance rates in Nebraska?
People living in Nebraska can find car insurance more affordable because of a few factors:
- Rural population
The sparsely populated state of Nebraska is one where car insurance rates are generally lower than the national average. While rates depend on your own car insurance history and the car you drive, residents of our 23rd largest state commonly pay less than other areas of the country for their car insurance.
- Uninsured drivers
Nebraska drivers have a low rate of uninsured drivers, and insurance companies love them. That's good news for drivers, too - making Nebraska one of the nation's most affordable states for car insurance.
- Affordable auto repair costs
The average costs of car repairs in Nebraska are low compared to other states, which is good news for drivers looking to save money. If you can't afford an unexpected costly repair bill, you might want to consider purchasing an extended auto warranty that covers most mechanical and electrical breakdowns. It's more affordable than you think!
Here are the average premium costs for Carlay in Nebraska compared to the national average:
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,242||$2,489|
|All Coverage AfterCarlay||$1,384||$1,671|
|Minimum Coverage BeforeCarlay||$1,295||$2,360|
|Minimum Coverage AfterCarlay||$913||$1,390|
|Full Coverage BeforeCarlay||-||$2,761|
|Full Coverage AfterCarlay||-||$1,963|
Top auto insurance providers in Nebraska
When shopping for Nebraska car insurance, customers have a plethora of reputable companies to choose from—so many, in fact, that it can be tricky to decide who to go with. State Farm, Progressive, and Farmers are some of the most well-known. But finding the right insurance company for you isn't as simple as picking a card out of a hat.
And it may seem like a chore. When you get car insurance quotes, remember that each insurance company weighs factors differently—so the rates you get from calling three companies will probably be different.
The price you pay for auto insurance varies based on a number of factors, including your age and where you live. And your car affects how much you pay for your premium. If you drive an Audi A6, you'll pay more for full-coverage insurance than you would if you drove a Honda Accord because more expensive cars cost more to insure.
Check out how Carlay customers in Nebraska have saved with insurance deals from a variety of companies:
What Car Insurance Do You Need in Nebraska?
In the vast majority of states, all drivers are required to carry a certain amount of car insurance. If you live in Nebraska, your policy should include the following:
|Bodily injury liability||$25,000 per person / $50,000 per accident||Covers the costs associated with injuries you cause to others|
|Property damage liability||$25,000 per accident||Covers the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist coverage||$25,000 per person / $50,000 per accident||Reimburses you for your expenses from an accident caused by an uninsured driver|
If you don't purchase enough coverage, you risk getting hit with severe penalties:
- Fine of up to $100
- Immediate driver's license suspension and vehicle registration suspension
- Financial liability in the event of an accident
In addition to purchasing the minimum amount of insurance required by law, you may want to consider adding collision and/or comprehensive coverage for your vehicle:
|Collision insurance||Covers damages that are the result of a collision with a vehicle or stationary object|
|Comprehensive insurance||Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster|
|Personal injury protection||Covers medical expenses, lost wages, and rehabilitation costs after an accident|
|Rental reimbursement||Reimburses you for your rental car expenses while your car is being repaired after a claimable accident|
Carlay can show you the ropes when you're ready to start shopping.
Carlay is the super app that saves you time and money on your car expenses—insurance included. We'll tell you about the top deals from 50+ providers, like Allstate and AAA, so you can make an informed decision. And when you're ready for a change, we'll handle all the paperwork so you can cancel your old policy. Carlay customers save an average of $879 a year!
Now that you know what sort of insurance you want, let's look at how the factors that impact your premium work.
How is Your Cost of Car Insurance Determined in Nebraska?
Among the things that affect your car insurance rate is your age, driving record, location, and choice of vehicle.
- Cost to insure your car in Nebraska by age
Experienced drivers typically enjoys lower insurance rates than young drivers. This can be bad news for young drivers, whose inexperience and riskier driving tendencies make them an expensive risk to insure.
What young drivers in Nebraska need to know
Nebraska has adopted a graduated licensing system that helps reduce motor vehicle crashes involving teens. The GDL program is designed to keep new drivers out of high-risk situations until they have the skills and experience to handle them.
As a young driver in Nebraska, you can help maintain your good grades to avail a good student discount or reminding yourself of the rules of the road by taking a defensive driving course.
Whether you're a teenager, middle-aged parent, or senior citizen, comparison shopping is the first step toward finding the best auto insurance rates. Here are the average rates for each group offered by Carlay:
|Age Group||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Nebraska with a poor driving record
When you get a Nebraska car insurance policy, your driving record can affect your premium. If you have multiple accidents and traffic violations on your record, you could be paying higher Nebraska car insurance rates than someone with a clean record.
So, can you reduce your car insurance rates if you have a few tickets in your past? If you compare your current rates with Carlay—and we make it effortless to do so—you might be surprised at how much you could save.
Here are the deals we've found for customers who have accidents on their records:
|Driving Violation||Average Cost||Annual Savings withCarlay|
|Failure to Obey Traffic Sign||$4,585||$3,031|
|Leaving scene of an Accident/Hit and Run||$4,452||$2,296|
|Speeding over 15||$3,600||$2,160|
|Driving on Sus. License||$3,647||$2,034|
|Speeding under 15||$2,698||$1,266|
- Cost to insure your car in Nebraska based on where you live
Nebraska is a state that is home to almost 2 million people. Much of the population, however, lives in urban areas. When it comes to insurance, this can be important.
For auto insurance purposes, city drivers generally pay higher rates than those living in rural areas, mainly because accidents tend to happen more often and claims are filed more frequently in cities. As a Nebraskan, you'll most likely pay more for car insurance if you live in larger cities like Lincoln and Omaha but less in smaller towns.
Here are the top 10 cheapest cities in Nebraska for car insurance:
|City||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Nebraska based on the type of car you drive
When it comes to insurance, the vehicle you drive matters. When you insure a standard vehicle like a Toyota Corolla or Buick Enclave, you'll likely get affordable rates. Generally, it's true that insurance rates for cheaper cars are lower because they cost less to repair or replace in case of an accident.
When you drive less frequently, you can save on car insurance because your chance of getting into an accident is reduced. If you drive a Volvo S60 or BMW X3, you may find your insurance premiums higher than those of other drivers.
Here's some information on insurance costs for popular makes and models with and without Carlay:
How to Save Money On Car Insurance in Nebraska?
Reducing the cost of your insurance is a good thing. Even if you've already found affordable insurance, see how easy it can be to save a little more money.
- Shop around for quotes
When you compare car insurance prices from different companies, you might be surprised at how much money you will save. However, it's no fun spending hours at a time doing paperwork, making calls, and trying to ensure you're meeting the minimum requirements. You can always count on Carlay.
Carlay helps you save time and money on your car expenses by finding the best insurance policies for you based on coverage needs and price. We'll help you fill out a quick form, and the app will automatically compare policies from over 50 major insurers. Switch to Carlay, and when you're ready, Carlay will handle all the paperwork and phone calls so that you get all the savings with none of the usual hassles.
- Look for discounts
Rates for Nebraska car insurance reflect the state's relatively low rates of vehicle accident injuries and fatalities, which result in lower medical costs for insurers. But companies may still calculate your premium based on a number of factors, from your age and the type of car you drive to the neighborhood where you live. However, if you drive in Nebraska, you can lower your car insurance premium by taking advantage of discounts offered by most insurance companies. Here are some common ones:
- Increase your deductible
Your deductible is the amount you have to pay out of pocket for a claim before your insurance company starts to kick in. You might decide to increase your deductible, which could lessen how much you pay for insurance. However, to be on the safe side, pay the deductible each time you make a claim. Otherwise, you might find yourself in big trouble financially and legally.
Registering Your Car in Nebraska
When you register a car in Nebraska, you will need to bring the following to the DMV:
- Valid driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
In Nebraska, one has to register their vehicle every year. You may complete the process online or in person.