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Car Insurance in Nebraska (Updated May 2024)

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Nebraska Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Nebraska however, drivers are paying 19% less for car insurance than the national average, with Full Coverage costing Nebraska drivers an average of $153 per month

Similar to other states, the rates in Nebraska can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Nebraska. Read on to learn more about properly insuring your car in Nebraska. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Nebraska Car Insurance Laws

All motor vehicle operators in Nebraska must show proof of financial responsibility for their vehicles. Acceptable proof includes car insurance, a surety or property bond of at least $75,000, a certificate of deposit, money, or securities valued at $75,000, or a certificate of self-insurance. However, self-insurance is only viable if the driver owns at least 26 registered vehicles. 

Nebraska’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

Proof of Insurance

“ Any individual must obtain car insurance ... before operating the vehicle on Nebraska public roads. ” 

Driving without insurance in Nebraska is a Class II misdemeanor that could result in an automatic suspension of the operator's driver's license, motor vehicle registration, and license plates. The driver can only reinstate their driving privileges after obtaining the requisite proof of financial responsibility. They will need to demonstrate continuous evidence of financial responsibility for three years following the reinstatement.

Nebraska does not have a new car insurance grace period. Any individual who relocates to Nebraska or buys a new or used vehicle within the state must obtain car insurance or other proof of financial responsibility before operating the vehicle on Nebraska public roads.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Nebraska?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Nebraska?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Nebraska?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.