Nebraska, the birthplace of the Reuben sandwich, Kool-Aid, and Carhenge. If you call Nebraska home, you know that driving in some bigger cities can be more dangerous and more expensive. Finding cheap car insurance in Nebraska is definitely possible, you just need to know where to look. CheapInsurance.com offers cheap insurance that allows you to drive legally without overpaying for fluff.

Cornhusker State Cruising: Updates & Insights on Cheap Car Insurance in Nebraska for 2024

Get ready to explore vast farmlands and charming towns in Nebraska with these key updates for drivers in 2024

Nebraska Vehicle Code Changes:

  • No major changes to distracted driving laws: Existing prohibitions on texting and holding phones while driving remain in place. (Source: Nebraska Revised Statutes Chapter 60-4)
  • Increased penalties for speeding: Expect harsher fines and potential driver’s license suspension for excessive speeding violations. (Source: Nebraska Revised Statutes Chapter 60-6)
  • Simplified motorcycle endorsement testing: New written and skills test replaces former endorsement permit process. (Source: Nebraska Department of Motor Vehicles)

As mentioned, these are just highlights, and other changes may apply. Visit the Nebraska Department of Motor Vehicles website for complete information. (Source: Nebraska Department of Motor Vehicles)

Cheap Auto Insurance Quotes in Nebraska (2024):

(Sources: The Zebra, ValuePenguin)

Company

Full Coverage

Minimum Coverage

State Farm

$1,589

$392

GEICO

$1,453

$355

Progressive

$1,595

$340

Farmers

$1,644

$378

Liberty Mutual

$1,753

$407

Remember: Individual rates in Nebraska can vary significantly based on driving history, location, vehicle type, and desired coverage. Consider factors like the mandatory 25/50/25 liability coverage limit when comparing automobile insurance quotes.

Quick Car Insurance in Nebraska Facts

A few facts about car insurance and driving in Nebraska: 

  • There are over 2.2 million registered vehicles in Nebraska, at the same time, 1.3 million licensed drivers.
  • The more populated cities, such as Omaha (476,000 residents) and Lincoln (284,000) are going to have the highest  vehicle insurance quotes, on account of more vehicles on the road. The rest of the state will have cheaper insurance, not to mention, next biggest city after Lincoln only has around 50,000 residents.
nebraska-cheap-car-insurance

Minimum Liability Car Insurance Coverage

Having car insurance can be pricey, but it’s for your own protection. Even if you drive safely and are never the cause of an accident, someone else’s reckless driving could impact you and your finances. 

To protect you and everyone else on the road, the state government requires all Nebraskans to have at least the minimum amount of car insurance coverage to drive. 

Here are the requirements that drivers must have according to Nebraska state law: 

  • The mandatory minimum for bodily injury coverage per person in Nebraska is $25,000.
  • The mandatory minimum for bodily injury coverage per accident in Nebraska is $50,000.
  • The mandatory minimum for property damage coverage in Nebraska is $25,000.

Getting Inexpensive Car Insurance Quotes In Nebraska

Trying to find cheap car insurance quotes in Nebraska? Here are some pointers, for example:

  1. Start with minimum requirements: If you want to pay the least possible amount each month, getting car insurance that just fulfills your state’s mandatory minimums is a way to keep the prices low. 
  2. Shop, shop, shop: With the ease and convenience of the internet at your fingertips, you can get auto insurance quotes from many different companies. Use car insurance quote comparing websites to find deals and get an idea of the average prices paid in Nebraska.
  3.  Drive defensively: Drivers with clean driving records get offered inexpensive auto insurance quotes. Avoid speeding tickets and accidents to get lower insurance quotes.

Discounts For Cheap Auto Insurance quotes in Nebraska

There are cheap auto insurance discounts available to drivers in Nebraska, especially those who show themselves to be safe and responsible. Car insurance providers won’t always tell you when you’re eligible, with this in mind, be proactive and call. 

Here are a few common discounts: 

  • Good Driver: Driving safely pays off. You could get up to 20% off for having a clean driving record with no DUIs or recent insurance claims. 
  • Good Student: Student drivers can benefit too. Those who have a GPA of 3.0 or higher may get a vehicle insurance discount. 
  • Continuously Insured: If you have been insured for at least six consecutive months, you may be able to get cheaper insurance quotes.

Auto Insurance Frequently Asked Questions

What is the average car insurance cost in Nebraska?

Minimum coverage: $486 per year. Full coverage: $2,248 per year.

How much is car insurance per month in Nebraska?

Minimum coverage: $41 per month. Full coverage: $187 per month.

What is the penalty for driving without  automobile insurance in Nebraska?

If you drive without insurance in Nebraska, both your registration and your license can be suspended, and you’ll have to pay a fine of at least $100 for the first offense. 

What is driving like in Nebraska?

Compared to other states, Nebraska ranks somewhere near the middle regarding how dangerous it is to drive in the state. However, Nebraska does have a fairly high DUI rate, as 39% percent of car crashes involve alcohol.

How can I save money for my auto insurance quote in Nebraska?

Saving money on your insurance policy can be a breeze. Here are our top tips: 

  • Ask about multi-car discounts.
  • See if your auto insurance provider offers discounts for the installation of safety features. 
  • Consider paying with an installment plan. 
  • Increase your deductible. 

What do I need to do to register my car in Nebraska?

  • Registration can be done at your local county office of the Nebraska DMV. A full listing of county stations by map can be found here.
  • New registrations require passage of an emissions inspection program and clear title to the car. New residents have 30 days to transfer their vehicle registrations after establishing residency.

Other Types of Inexpensive Auto Insurance Quotes in Nebraska

There are many different types of inexpensive auto insurance quotes. While you’re only required to carry the legal minimum, you can add some of these  inexpensive insurance coverages to your policy: 

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Medical Payments Coverage
Physical Damage Coverage

Endorsements and Riders