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Average cost of car insurance in Nebraska for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Nebraska?
If you have ever wondered how much car insurance is in Nebraska, Bankrate has the answers. Based on data sourced from Quadrant Information Services, the average annual cost of car insurance in the Cornhusker State is $608 for state-mandated minimum coverage and $2,316 for full coverage. These numbers are well below the national averages, which are $678 for minimum and $2,458 for full coverage.
Your own rate is likely to differ from the average, since it is based on a range of factors that are unique to you and your circumstances, such as ZIP code, driving record and credit history. You may be able to find a policy for less than the average by comparing quotes from several companies; it's not difficult to switch carriers if you find a cheaper rate.
Key takeaways
- Nebraska full coverage auto insurance rates are 6 percent less than the national average.
- Drivers with a speeding ticket conviction in Nebraska pay 18 percent more for auto insurance on average, while drivers with DUI convictions pay 88 percent more on average.
- The average cost of car insurance in Nebraska for drivers with poor credit is 119 percent more than rates for those with good credit.
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Nebraska car insurance rates by city
Nebraska's average car insurance rates are lower than the national average, but your individual city and ZIP code play an important role in determining how much you pay for your policy. Factors like crime statistics, population density, weather and cost of vehicle repairs can cause rate differences, even within the same city. Below are average rates for some of Nebraska's largest cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Wauneta | $221 | $2,649 | +13% |
| Brady | $211 | $2,529 | +9% |
| Ashby | $211 | $2,535 | +9% |
| Bridgeport | $214 | $2,572 | +10% |
| Harrisburg | $212 | $2,550 | +10% |
| Mitchell | $211 | $2,535 | +9% |
| Scottsbluff | $214 | $2,572 | +10% |
| Elwood | $195 | $2,338 | +1% |
| Trumbull | $186 | $2,229 | -4% |
| Culbertson | $220 | $2,646 | +13% |
| Imperial | $217 | $2,604 | +12% |
| Indianola | $214 | $2,568 | +10% |
| Unadilla | $191 | $2,289 | -1% |
| Waverly | $179 | $2,143 | -8% |
| Western | $191 | $2,292 | -1% |
| Lincoln | $172 | $2,062 | -12% |
| Ames | $189 | $2,273 | -2% |
| Belgrade | $189 | $2,273 | -2% |
| North Bend | $187 | $2,246 | -3% |
| Petersburg | $190 | $2,281 | -2% |
| Beemer | $187 | $2,242 | -3% |
| Hershey | $211 | $2,536 | +9% |
| Paxton | $216 | $2,595 | +11% |
| Seneca | $214 | $2,569 | +10% |
| Valentine | $213 | $2,560 | +10% |
| Cody | $212 | $2,541 | +9% |
| Hemingford | $212 | $2,545 | +9% |
| Mcgrew | $214 | $2,563 | +10% |
| Naper | $206 | $2,478 | +7% |
| Newman Grove | $187 | $2,239 | -3% |
| Royal | $186 | $2,236 | -4% |
| Hazard | $206 | $2,466 | +6% |
| North Platte | $210 | $2,516 | +8% |
| Lodgepole | $211 | $2,531 | +9% |
| Purdum | $213 | $2,553 | +10% |
| Sidney | $208 | $2,494 | +7% |
| Stapleton | $212 | $2,546 | +9% |
| Venango | $215 | $2,585 | +11% |
| Kilgore | $211 | $2,527 | +9% |
| Long Pine | $211 | $2,529 | +9% |
| Crawford | $216 | $2,594 | +11% |
| Hyannis | $214 | $2,572 | +10% |
| Whiteclay | $212 | $2,546 | +9% |
| Cedar Creek | $192 | $2,298 | -1% |
| Elkhorn | $186 | $2,228 | -4% |
| Decatur | $193 | $2,316 | -0% |
| Fremont | $186 | $2,229 | -4% |
| Homer | $193 | $2,314 | -0% |
| Elba | $192 | $2,309 | -0% |
| Gibbon | $185 | $2,220 | -4% |
| Kennard | $196 | $2,346 | +1% |
| Valparaiso | $192 | $2,307 | -0% |
| Weston | $190 | $2,286 | -1% |
| Omaha | $201 | $2,418 | +4% |
| Offutt A F B | $189 | $2,262 | -2% |
| Grand Island | $182 | $2,187 | -6% |
| Amherst | $186 | $2,230 | -4% |
| Kearney | $180 | $2,165 | -7% |
| Ord | $209 | $2,506 | +8% |
| Pleasanton | $185 | $2,225 | -4% |
| Rockville | $206 | $2,468 | +6% |
| Sumner | $195 | $2,342 | +1% |
| Bladen | $186 | $2,235 | -4% |
| Edison | $194 | $2,329 | +1% |
| Glenvil | $181 | $2,171 | -6% |
| Holbrook | $195 | $2,343 | +1% |
| Minden | $181 | $2,176 | -6% |
| Mc Cook | $217 | $2,607 | +12% |
| Benkelman | $224 | $2,683 | +15% |
| Cambridge | $207 | $2,489 | +7% |
| Tobias | $188 | $2,251 | -3% |
| Union | $193 | $2,321 | +0% |
| Columbus | $185 | $2,226 | -4% |
| Cedar Rapids | $194 | $2,327 | +0% |
| Ericson | $205 | $2,456 | +6% |
| Leigh | $185 | $2,225 | -4% |
| Morse Bluff | $192 | $2,299 | -1% |
| Snyder | $191 | $2,290 | -1% |
| Trenton | $224 | $2,687 | +15% |
| Bushnell | $215 | $2,576 | +11% |
| Dalton | $210 | $2,525 | +9% |
| Keystone | $215 | $2,576 | +11% |
| Thedford | $214 | $2,565 | +10% |
| Johnstown | $211 | $2,530 | +9% |
| Merriman | $210 | $2,517 | +8% |
| Lakeside | $212 | $2,544 | +9% |
| Minatare | $214 | $2,570 | +10% |
| Whitman | $211 | $2,537 | +9% |
| Linwood | $191 | $2,286 | -1% |
| Malmo | $193 | $2,319 | +0% |
| Alexandria | $188 | $2,256 | -3% |
| Stockville | $212 | $2,549 | +10% |
| Arnold | $209 | $2,511 | +8% |
| Broadwater | $213 | $2,554 | +10% |
| Sparks | $211 | $2,529 | +9% |
| Chadron | $212 | $2,545 | +9% |
| Gordon | $215 | $2,579 | +11% |
| Melbeta | $214 | $2,570 | +10% |
| Whitney | $211 | $2,537 | +9% |
| Clarkson | $186 | $2,235 | -4% |
| Elgin | $190 | $2,282 | -1% |
| Lindsay | $188 | $2,259 | -2% |
| Saint Edward | $191 | $2,290 | -1% |
| Stromsburg | $185 | $2,214 | -5% |
| Ulysses | $186 | $2,235 | -4% |
| Bloomfield | $187 | $2,243 | -3% |
| Carroll | $186 | $2,227 | -4% |
| Inman | $200 | $2,403 | +4% |
| Saint Helena | $186 | $2,235 | -4% |
| Stanton | $187 | $2,241 | -3% |
| Alda | $181 | $2,171 | -6% |
| Arcadia | $206 | $2,478 | +7% |
| Cairo | $183 | $2,192 | -6% |
| Callaway | $210 | $2,518 | +8% |
| Lexington | $198 | $2,378 | +3% |
| Cedar Bluffs | $189 | $2,272 | -2% |
| Gretna | $184 | $2,206 | -5% |
| Herman | $194 | $2,323 | +0% |
| Weeping Water | $196 | $2,349 | +1% |
| Genoa | $189 | $2,266 | -2% |
| Bristow | $205 | $2,462 | +6% |
| Butte | $207 | $2,490 | +7% |
| Virginia | $190 | $2,275 | -2% |
| Wilber | $194 | $2,326 | +0% |
| Wymore | $191 | $2,290 | -1% |
| Fullerton | $190 | $2,286 | -1% |
| Schuyler | $187 | $2,248 | -3% |
| Allen | $184 | $2,214 | -5% |
| Belden | $186 | $2,236 | -4% |
| Oshkosh | $217 | $2,606 | +12% |
| Tryon | $217 | $2,599 | +12% |
| Wallace | $217 | $2,599 | +11% |
| Wellfleet | $217 | $2,599 | +11% |
| Nenzel | $214 | $2,573 | +11% |
| Wood Lake | $208 | $2,500 | +8% |
| Alliance | $208 | $2,500 | +8% |
| Bingham | $210 | $2,515 | +8% |
| Gering | $214 | $2,563 | +10% |
| Hay Springs | $213 | $2,554 | +10% |
| Lyman | $213 | $2,554 | +10% |
| Bellevue | $192 | $2,301 | -1% |
| Coleridge | $183 | $2,198 | -5% |
| Dixon | $185 | $2,214 | -5% |
| Emerson | $186 | $2,236 | -4% |
| Hubbard | $192 | $2,301 | -1% |
| Mclean | $185 | $2,221 | -4% |
| Meadow Grove | $185 | $2,223 | -4% |
| Oakdale | $189 | $2,262 | -2% |
| Pierce | $184 | $2,208 | -5% |
| Randolph | $187 | $2,243 | -3% |
| West Point | $186 | $2,230 | -4% |
| Maywood | $214 | $2,568 | +10% |
| Elsie | $218 | $2,613 | +12% |
| Gurley | $210 | $2,524 | +9% |
| Ainsworth | $211 | $2,532 | +9% |
| Crookston | $211 | $2,535 | +9% |
| Rushville | $212 | $2,550 | +10% |
| Blair | $195 | $2,334 | +1% |
| Fort Calhoun | $194 | $2,329 | +1% |
| Arlington | $187 | $2,250 | -3% |
| Ashland | $195 | $2,335 | +1% |
| Bennington | $187 | $2,249 | -3% |
| Boys Town | $187 | $2,247 | -3% |
| Lyons | $191 | $2,288 | -1% |
| Nickerson | $191 | $2,289 | -1% |
| Scribner | $189 | $2,263 | -2% |
| La Vista | $183 | $2,196 | -5% |
| Moorefield | $215 | $2,576 | +11% |
| Dickens | $217 | $2,607 | +12% |
| Lisco | $212 | $2,548 | +10% |
| Mullen | $212 | $2,542 | +9% |
| Bayard | $214 | $2,570 | +10% |
| Eddyville | $198 | $2,370 | +2% |
| Elyria | $208 | $2,491 | +7% |
| Maskell | $185 | $2,219 | -4% |
| Archer | $187 | $2,247 | -3% |
| Boelus | $191 | $2,289 | -1% |
| Broken Bow | $206 | $2,468 | +6% |
| Farwell | $190 | $2,278 | -2% |
| Saint Libory | $188 | $2,258 | -3% |
| Wolbach | $188 | $2,253 | -3% |
| Beaver City | $199 | $2,392 | +3% |
| Edgar | $187 | $2,243 | -3% |
| Franklin | $191 | $2,296 | -1% |
| Harvard | $184 | $2,207 | -5% |
| Oak | $186 | $2,236 | -4% |
| Republican City | $191 | $2,287 | -1% |
| Ruskin | $189 | $2,266 | -2% |
| Smithfield | $194 | $2,329 | +1% |
| Upland | $190 | $2,283 | -1% |
| Big Springs | $218 | $2,616 | +12% |
| Lemoyne | $213 | $2,560 | +10% |
| Chambers | $201 | $2,409 | +4% |
| Jackson | $190 | $2,279 | -2% |
| Neligh | $192 | $2,307 | -0% |
| Oneill | $202 | $2,421 | +4% |
| Page | $199 | $2,390 | +3% |
| South Sioux City | $198 | $2,379 | +3% |
| Springview | $213 | $2,559 | +10% |
| Riverton | $191 | $2,297 | -1% |
| Curtis | $220 | $2,644 | +13% |
| Stratton | $223 | $2,682 | +15% |
| Arthur | $214 | $2,569 | +10% |
| Cozad | $200 | $2,398 | +3% |
| Dix | $213 | $2,553 | +10% |
| Willow Island | $200 | $2,398 | +3% |
| Creighton | $189 | $2,274 | -2% |
| Newcastle | $185 | $2,219 | -4% |
| Ponca | $187 | $2,247 | -3% |
| Winnetoon | $188 | $2,258 | -3% |
| Central City | $188 | $2,250 | -3% |
| Litchfield | $208 | $2,498 | +8% |
| Ithaca | $194 | $2,324 | +0% |
| Pender | $188 | $2,254 | -3% |
| Tekamah | $193 | $2,312 | -0% |
| Adams | $194 | $2,333 | +1% |
| Auburn | $185 | $2,221 | -4% |
| Benedict | $185 | $2,222 | -4% |
| Bennet | $179 | $2,149 | -7% |
| Miller | $187 | $2,242 | -3% |
| Odessa | $185 | $2,218 | -4% |
| Campbell | $189 | $2,273 | -2% |
| Guide Rock | $185 | $2,224 | -4% |
| Red Cloud | $190 | $2,279 | -2% |
| Max | $221 | $2,649 | +13% |
| Oconto | $208 | $2,493 | +7% |
| Alma | $193 | $2,318 | +0% |
| Hendley | $195 | $2,341 | +1% |
| Inland | $186 | $2,238 | -3% |
| Oxford | $197 | $2,367 | +2% |
| Champion | $219 | $2,625 | +12% |
| Eustis | $209 | $2,512 | +8% |
| Colon | $190 | $2,279 | -2% |
| Avoca | $193 | $2,319 | +0% |
| Bee | $188 | $2,257 | -3% |
| Sargent | $212 | $2,542 | +9% |
| Shelton | $185 | $2,216 | -4% |
| Atlanta | $186 | $2,231 | -4% |
| Kenesaw | $179 | $2,153 | -7% |
| Orleans | $194 | $2,322 | +0% |
| Roseland | $179 | $2,148 | -8% |
| Haigler | $216 | $2,594 | +11% |
| Lewellen | $213 | $2,551 | +10% |
| Potter | $213 | $2,551 | +10% |
| Sutherland | $213 | $2,552 | +10% |
| Angora | $212 | $2,542 | +9% |
| Ellsworth | $210 | $2,515 | +8% |
| Harrison | $213 | $2,554 | +10% |
| Blue Springs | $191 | $2,293 | -1% |
| Brock | $187 | $2,242 | -3% |
| Fairmont | $186 | $2,226 | -4% |
| Filley | $191 | $2,288 | -1% |
| Friend | $187 | $2,245 | -3% |
| Gilead | $187 | $2,245 | -3% |
| Hallam | $188 | $2,254 | -3% |
| Otoe | $190 | $2,279 | -2% |
| Staplehurst | $188 | $2,261 | -2% |
| Talmage | $189 | $2,267 | -2% |
| Walton | $179 | $2,143 | -8% |
| Clarks | $187 | $2,250 | -3% |
| Silver Creek | $190 | $2,286 | -1% |
| Brunswick | $186 | $2,238 | -3% |
| Tecumseh | $192 | $2,303 | -1% |
| Clatonia | $190 | $2,276 | -2% |
| Gresham | $187 | $2,245 | -3% |
| Murray | $195 | $2,338 | +1% |
| Pleasant Dale | $189 | $2,270 | -2% |
| Rulo | $187 | $2,242 | -3% |
| Table Rock | $192 | $2,302 | -1% |
| Bancroft | $186 | $2,232 | -4% |
| Bruno | $189 | $2,267 | -2% |
| Prague | $194 | $2,325 | +0% |
| Walthill | $195 | $2,336 | +1% |
| Winnebago | $198 | $2,371 | +2% |
| Beatrice | $190 | $2,280 | -2% |
| North Loup | $210 | $2,519 | +8% |
| Phillips | $186 | $2,232 | -4% |
| Ravenna | $188 | $2,251 | -3% |
| Scotia | $194 | $2,334 | +1% |
| Heartwell | $182 | $2,188 | -6% |
| Holstein | $181 | $2,168 | -7% |
| Loomis | $185 | $2,226 | -4% |
| Naponee | $192 | $2,306 | -0% |
| Bartley | $215 | $2,585 | +11% |
| Howells | $187 | $2,246 | -3% |
| Albion | $190 | $2,274 | -2% |
| Dodge | $189 | $2,271 | -2% |
| Duncan | $187 | $2,239 | -3% |
| Osceola | $188 | $2,262 | -2% |
| Polk | $185 | $2,220 | -4% |
| Bassett | $210 | $2,517 | +8% |
| Battle Creek | $186 | $2,230 | -4% |
| Bruning | $188 | $2,259 | -2% |
| Burchard | $192 | $2,307 | -0% |
| Burr | $190 | $2,283 | -1% |
| Byron | $185 | $2,224 | -4% |
| Chester | $187 | $2,240 | -3% |
| Cortland | $193 | $2,314 | -0% |
| Crab Orchard | $189 | $2,272 | -2% |
| Henderson | $183 | $2,198 | -5% |
| Mc Cool Junction | $182 | $2,188 | -6% |
| Ohiowa | $188 | $2,254 | -3% |
| Seward | $188 | $2,256 | -3% |
| Craig | $189 | $2,274 | -2% |
| Davenport | $186 | $2,228 | -4% |
| Liberty | $189 | $2,267 | -2% |
| Martell | $187 | $2,239 | -3% |
| Milford | $188 | $2,261 | -2% |
| Raymond | $180 | $2,162 | -7% |
| Strang | $185 | $2,226 | -4% |
| Deshler | $188 | $2,256 | -3% |
| Diller | $189 | $2,264 | -2% |
| Hickman | $182 | $2,180 | -6% |
| Hubbell | $186 | $2,236 | -4% |
| Julian | $188 | $2,257 | -3% |
| Nemaha | $187 | $2,242 | -3% |
| Peru | $186 | $2,232 | -4% |
| Reynolds | $189 | $2,265 | -2% |
| Carleton | $189 | $2,264 | -2% |
| Elk Creek | $188 | $2,253 | -3% |
| Fairbury | $193 | $2,315 | -0% |
| Grafton | $185 | $2,225 | -4% |
| Jansen | $189 | $2,266 | -2% |
| Milligan | $186 | $2,233 | -4% |
| De Witt | $193 | $2,313 | -0% |
| Falls City | $186 | $2,236 | -4% |
| Palmyra | $193 | $2,314 | -0% |
| Pickrell | $189 | $2,264 | -2% |
| Steinauer | $189 | $2,272 | -2% |
| Bradshaw | $181 | $2,175 | -6% |
| Denton | $184 | $2,210 | -5% |
| Endicott | $192 | $2,305 | -1% |
| Firth | $188 | $2,251 | -3% |
| Geneva | $186 | $2,228 | -4% |
| Lorton | $189 | $2,268 | -2% |
| Malcolm | $183 | $2,196 | -5% |
| Murdock | $195 | $2,342 | +1% |
| Plymouth | $192 | $2,304 | -1% |
| Sterling | $193 | $2,315 | -0% |
| Swanton | $190 | $2,275 | -2% |
| Syracuse | $191 | $2,286 | -1% |
| Cordova | $188 | $2,259 | -3% |
| Crete | $193 | $2,316 | -0% |
| Daykin | $188 | $2,252 | -3% |
| Dorchester | $189 | $2,267 | -2% |
| Dunbar | $189 | $2,270 | -2% |
| Elmwood | $194 | $2,327 | +0% |
| Humboldt | $189 | $2,272 | -2% |
| Lewiston | $189 | $2,274 | -2% |
| Manley | $194 | $2,324 | +0% |
| Odell | $192 | $2,299 | -1% |
| Roca | $178 | $2,139 | -8% |
| Salem | $187 | $2,242 | -3% |
| Stella | $187 | $2,244 | -3% |
| Papillion | $180 | $2,158 | -7% |
| Springfield | $182 | $2,185 | -6% |
| Wahoo | $192 | $2,305 | -0% |
| Yutan | $194 | $2,332 | +1% |
| Barneston | $189 | $2,262 | -2% |
| Emmet | $202 | $2,421 | +4% |
| Laurel | $182 | $2,184 | -6% |
| Magnet | $188 | $2,261 | -2% |
| Newport | $210 | $2,519 | +8% |
| Orchard | $191 | $2,291 | -1% |
| Wynot | $187 | $2,250 | -3% |
| Burwell | $213 | $2,553 | +10% |
| Bellwood | $187 | $2,250 | -3% |
| David City | $188 | $2,251 | -3% |
| Monroe | $185 | $2,221 | -4% |
| Rogers | $188 | $2,261 | -2% |
| Spalding | $201 | $2,410 | +4% |
| Norfolk | $184 | $2,207 | -5% |
| Verdigre | $192 | $2,309 | -0% |
| Doniphan | $182 | $2,185 | -6% |
| Giltner | $182 | $2,186 | -6% |
| Hampton | $184 | $2,204 | -5% |
| Palisade | $224 | $2,685 | +15% |
| Wilsonville | $201 | $2,412 | +4% |
| Brule | $215 | $2,578 | +11% |
| Elsmere | $208 | $2,498 | +8% |
| Gothenburg | $202 | $2,421 | +4% |
| Grant | $213 | $2,562 | +10% |
| Halsey | $215 | $2,575 | +11% |
| Kimball | $214 | $2,571 | +10% |
| Ogallala | $215 | $2,576 | +11% |
| Marsland | $211 | $2,536 | +9% |
| Crofton | $191 | $2,288 | -1% |
| Dakota City | $190 | $2,278 | -2% |
| Spencer | $207 | $2,480 | +7% |
| Tilden | $187 | $2,246 | -3% |
| Wakefield | $185 | $2,218 | -4% |
| Wayne | $187 | $2,239 | -3% |
| Winside | $187 | $2,241 | -3% |
| Ashton | $206 | $2,470 | +6% |
| Dunning | $214 | $2,566 | +10% |
| Elm Creek | $186 | $2,230 | -4% |
| Hordville | $182 | $2,185 | -6% |
| Parks | $217 | $2,605 | +12% |
| Madrid | $217 | $2,599 | +12% |
| Morrill | $212 | $2,546 | +9% |
| Uehling | $192 | $2,298 | -1% |
| Ayr | $180 | $2,157 | -7% |
| Holdrege | $184 | $2,211 | -5% |
| Juniata | $179 | $2,145 | -8% |
| Lawrence | $188 | $2,260 | -2% |
| Wilcox | $184 | $2,207 | -5% |
| Dawson | $189 | $2,269 | -2% |
| Hebron | $189 | $2,265 | -2% |
| Johnson | $187 | $2,243 | -3% |
| Nehawka | $192 | $2,306 | -0% |
| Panama | $180 | $2,165 | -7% |
| Shickley | $185 | $2,222 | -4% |
| Louisville | $196 | $2,353 | +2% |
| Memphis | $192 | $2,300 | -1% |
| Rosalie | $190 | $2,277 | -2% |
| St Columbans | $192 | $2,309 | -0% |
| Valley | $187 | $2,244 | -3% |
| Bartlett | $204 | $2,442 | +5% |
| Brainard | $187 | $2,250 | -3% |
| Platte Center | $185 | $2,218 | -4% |
| Rising City | $188 | $2,260 | -2% |
| Shelby | $187 | $2,248 | -3% |
| Surprise | $187 | $2,240 | -3% |
| Atkinson | $207 | $2,489 | +7% |
| Waco | $184 | $2,210 | -5% |
| York | $181 | $2,169 | -7% |
| Verdon | $187 | $2,242 | -3% |
| Dwight | $187 | $2,247 | -3% |
| Humphrey | $183 | $2,198 | -5% |
| Amelia | $204 | $2,446 | +5% |
| Cook | $190 | $2,285 | -1% |
| Davey | $180 | $2,158 | -7% |
| Douglas | $195 | $2,340 | +1% |
| Eagle | $194 | $2,323 | +0% |
| Exeter | $187 | $2,241 | -3% |
| Garland | $190 | $2,282 | -2% |
| Goehner | $189 | $2,265 | -2% |
| Nebraska City | $186 | $2,236 | -4% |
| Pawnee City | $191 | $2,295 | -1% |
| Shubert | $186 | $2,236 | -4% |
| Beaver Crossing | $187 | $2,245 | -3% |
| Belvidere | $185 | $2,222 | -4% |
| Hadar | $186 | $2,237 | -3% |
| Hoskins | $186 | $2,234 | -4% |
| Mills | $211 | $2,533 | +9% |
| Plainview | $189 | $2,266 | -2% |
| Stuart | $207 | $2,488 | +7% |
| Wisner | $186 | $2,227 | -4% |
| Anselmo | $208 | $2,495 | +7% |
| Brewster | $212 | $2,550 | +10% |
| Comstock | $207 | $2,484 | +7% |
| Hooper | $188 | $2,258 | -3% |
| Macy | $199 | $2,383 | +3% |
| Alvo | $192 | $2,307 | -0% |
| Clearwater | $190 | $2,280 | -2% |
| Ewing | $202 | $2,419 | +4% |
| Hartington | $186 | $2,230 | -4% |
| Madison | $184 | $2,209 | -5% |
| Waterbury | $187 | $2,243 | -3% |
| Wausa | $187 | $2,240 | -3% |
| Concord | $183 | $2,200 | -5% |
| Fordyce | $186 | $2,229 | -4% |
| Lynch | $204 | $2,447 | +5% |
| Chapman | $189 | $2,271 | -2% |
| Greeley | $190 | $2,283 | -1% |
| Plattsmouth | $188 | $2,250 | -3% |
| Utica | $186 | $2,230 | -4% |
| Creston | $184 | $2,210 | -5% |
| Primrose | $189 | $2,263 | -2% |
| Center | $189 | $2,270 | -2% |
| Brownville | $187 | $2,240 | -3% |
| Du Bois | $189 | $2,265 | -2% |
| Greenwood | $190 | $2,279 | -2% |
| Sprague | $183 | $2,195 | -5% |
| Steele City | $189 | $2,263 | -2% |
| Ong | $186 | $2,233 | -4% |
| Niobrara | $193 | $2,311 | -0% |
| Osmond | $188 | $2,251 | -3% |
| Pilger | $186 | $2,235 | -4% |
| Ansley | $210 | $2,514 | +8% |
| Aurora | $182 | $2,185 | -6% |
| Dannebrog | $191 | $2,292 | -1% |
| Chappell | $217 | $2,601 | +12% |
| Maxwell | $210 | $2,515 | +8% |
| Washington | $196 | $2,357 | +2% |
| Waterloo | $185 | $2,220 | -4% |
| Winslow | $193 | $2,314 | -0% |
| Wood River | $181 | $2,166 | -7% |
| Hastings | $179 | $2,149 | -7% |
| Arapahoe | $199 | $2,392 | +3% |
| Ragan | $191 | $2,292 | -1% |
| Saronville | $186 | $2,229 | -4% |
| Westerville | $210 | $2,514 | +8% |
| Bertrand | $189 | $2,266 | -2% |
| Blue Hill | $185 | $2,221 | -4% |
| Clay Center | $186 | $2,238 | -3% |
| Fairfield | $186 | $2,230 | -4% |
| Hardy | $187 | $2,243 | -3% |
| Inavale | $187 | $2,249 | -3% |
| Saint Paul | $190 | $2,276 | -2% |
| Bloomington | $190 | $2,283 | -1% |
| Deweese | $186 | $2,235 | -4% |
| Funk | $185 | $2,226 | -4% |
| Hildreth | $189 | $2,263 | -2% |
| Stamford | $192 | $2,302 | -1% |
| Sutton | $185 | $2,219 | -4% |
| Farnam | $202 | $2,419 | +4% |
| Hayes Center | $227 | $2,723 | +16% |
| Loup City | $210 | $2,522 | +9% |
| Mason City | $207 | $2,489 | +7% |
| Riverdale | $185 | $2,222 | -4% |
| Taylor | $216 | $2,588 | +11% |
| Axtell | $183 | $2,192 | -5% |
| Marquette | $183 | $2,202 | -5% |
| Merna | $207 | $2,483 | +7% |
| Overton | $192 | $2,301 | -1% |
| Palmer | $188 | $2,258 | -3% |
| Nelson | $189 | $2,273 | -2% |
| Superior | $190 | $2,276 | -2% |
| Danbury | $213 | $2,559 | +10% |
| Enders | $220 | $2,641 | +13% |
| Lebanon | $213 | $2,559 | +10% |
| Mead | $193 | $2,311 | -0% |
| Oakland | $189 | $2,266 | -2% |
| Thurston | $188 | $2,251 | -3% |
| Abie | $190 | $2,283 | -1% |
| Ceresco | $191 | $2,291 | -1% |
Average car insurance costs by age and gender in Nebraska
Most states allow the use of age and gender as car insurance rating factors, including Nebraska. Young drivers with less experience typically pay more than seasoned drivers. Males also pay more, on average, as they tend to have higher rates of accidents and moving violations. The tables below reflect average Nebraska auto insurance rate variations by age and gender.
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Nebraska
$397
|
Avg. annual full coverage premium in Nebraska
$4,766
|
|
Age 18
|
Avg. monthly full coverage premium in Nebraska
$556
|
Avg. annual full coverage premium in Nebraska
$6,676
|
|
Age 20
|
Avg. monthly full coverage premium in Nebraska
$445
|
Avg. annual full coverage premium in Nebraska
$5,343
|
|
Age 25
|
Avg. monthly full coverage premium in Nebraska
$248
|
Avg. annual full coverage premium in Nebraska
$2,975
|
|
Age 30
|
Avg. monthly full coverage premium in Nebraska
$210
|
Avg. annual full coverage premium in Nebraska
$2,526
|
|
Age 40
|
Avg. monthly full coverage premium in Nebraska
$196
|
Avg. annual full coverage premium in Nebraska
$2,347
|
|
Age 50
|
Avg. monthly full coverage premium in Nebraska
$177
|
Avg. annual full coverage premium in Nebraska
$2,130
|
|
Age 60
|
Avg. monthly full coverage premium in Nebraska
$168
|
Avg. annual full coverage premium in Nebraska
$2,021
|
|
Age 70
|
Avg. monthly full coverage premium in Nebraska
$178
|
Avg. annual full coverage premium in Nebraska
$2,141
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Nebraska
$361
|
Avg. annual full coverage premium in Nebraska
$4,337
|
|
Age 18
|
Avg. monthly full coverage premium in Nebraska
$515
|
Avg. annual full coverage premium in Nebraska
$6,180
|
|
Age 20
|
Avg. monthly full coverage premium in Nebraska
$384
|
Avg. annual full coverage premium in Nebraska
$4,603
|
|
Age 25
|
Avg. monthly full coverage premium in Nebraska
$228
|
Avg. annual full coverage premium in Nebraska
$2,741
|
|
Age 30
|
Avg. monthly full coverage premium in Nebraska
$204
|
Avg. annual full coverage premium in Nebraska
$2,453
|
|
Age 40
|
Avg. monthly full coverage premium in Nebraska
$190
|
Avg. annual full coverage premium in Nebraska
$2,286
|
|
Age 50
|
Avg. monthly full coverage premium in Nebraska
$166
|
Avg. annual full coverage premium in Nebraska
$1,988
|
|
Age 60
|
Avg. monthly full coverage premium in Nebraska
$166
|
Avg. annual full coverage premium in Nebraska
$1,994
|
|
Age 70
|
Avg. monthly full coverage premium in Nebraska
$177
|
Avg. annual full coverage premium in Nebraska
$2,126
|
Bankrate’s take: Rates vary between genders because data shows that male drivers are more likely to be involved in accidents than female drivers. According to the Insurance Institute for Highway Safety, male drivers make up about 68 percent of the teen crash fatality rate. Insurers compensate for this higher risk by charging higher rates to male drivers, especially young ones.
Cost considerations for young drivers in Nebraska
Because of their inexperience behind the wheel, teenagers notoriously pay higher rates than older drivers. But exactly how much is car insurance in Nebraska for teen drivers? That often depends on whether they strike out on their own for insurance. Young drivers typically get cheaper rates when covered on their parents' policy rather than their own. However, you may need to live in the same home as your parents to remain insured on their auto insurance policy.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in NE
$4,551
|
|
Age 17
|
Avg. annual premium for drivers in NE
$4,220
|
|
Age 18
|
Avg. annual premium for drivers in NE
$3,886
|
|
Age 19
|
Avg. annual premium for drivers in NE
$3,504
|
|
Age 20
|
Avg. annual premium for drivers in NE
$3,354
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in NE
$6,428
|
|
Age 19
|
Avg. annual premium for drivers in NE
$5,289
|
|
Age 20
|
Avg. annual premium for drivers in NE
$4,973
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 65 percent more |
| Age 19 | 51 percent more |
| Age 20 | 48 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Nebraska?
Average Nebraska car insurance rates increase significantly with accidents or moving violations on your record. Tickets and accidents may indicate to carriers that you are a riskier driver who is more likely to file a claim, so they typically increase rates accordingly. A DUI is one of the most severe driving infractions, and some carriers may deny coverage to high-risk drivers with DUI convictions.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in Nebraska
$2,316
|
Percentage increase from Nebraska avg. annual premium*
0%
|
|
Avg. annual premium* in Nebraska
$2,725
|
Percentage increase from Nebraska avg. annual premium*
18%
|
|
|
Avg. annual premium* in Nebraska
$3,564
|
Percentage increase from Nebraska avg. annual premium*
54%
|
|
|
Avg. annual premium* in Nebraska
$4,366
|
Percentage increase from Nebraska avg. annual premium*
88%
|
Car insurance rates in Nebraska by credit tier
Another factor Nebraska insurance companies use to determine rates is credit history, which is not a permitted rating factor in all states. While drivers with excellent credit page on average 19 percent less for car insurance in Nebraska, drivers with poor credit pay 119 percent more on average.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in Nebraska
$5,066
|
Percentage difference from Nebraska avg. annual premium*
119%
|
|
|
Average
|
Avg. annual premium* in Nebraska
$2,610
|
Percentage difference from Nebraska avg. annual premium*
13%
|
|
Avg. annual premium* in Nebraska
$2,316
|
Percentage difference from Nebraska avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in Nebraska
$1,884
|
Percentage difference from Nebraska avg. annual premium*
-19%
|
Nebraska car insurance rates by vehicle type
Choosing the make and model of a car carefully is one way Nebraska drivers may save on auto insurance. Vehicles with high safety ratings and low theft rates typically see lower rates than luxury vehicles or those that are costly to repair.
|
|
|
|---|---|
|
Avg. annual premium* in Nebraska
$2,316
|
|
|
Avg. annual premium* in Nebraska
$2,150
|
|
|
Avg. annual premium* in Nebraska
$2,001
|
|
|
BMW 330i
|
Avg. annual premium* in Nebraska
$2,746
|
|
Toyota Prius
|
Avg. annual premium* in Nebraska
$2,395
|
Estimate your car insurance cost in Nebraska
Insurance companies factor in many things when they decide if you qualify for coverage and offer you a rate. This can make it tough to know what you should expect to pay for a policy. That’s why Bankrate created the calculator tool below. Just enter some basic information about yourself and your vehicle, and you’ll be presented with a rough estimate of your insurance premium. While the calculator won’t deliver an exact quote, it will give you a general idea of how much you’ll need to budget for a premium.
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How to save on car insurance in Nebraska
Although Nebraska drivers usually pay less than the national average for auto insurance, there may still be opportunities to save even more. These tips may help you get the best deal on car insurance in Nebraska.
- Explore discounts: Taking advantage of potential discounts may help keep your car insurance costs low. Discounts can vary by insurance company, but some common options include safe driver discounts, good student discounts and bundling discounts.
- Maintain a clean driving record: Drivers with clean driving records and no accidents typically see the lowest car insurance rates. You might also be eligible for accident forgiveness, which may help protect your rates if you get into an at-fault accident.
- Improve your credit score: Nebraska car insurance companies can consider your credit history when determining premiums. Improving your score may earn you a lower rate.
- Shop around and compare quotes: The cheapest company for your neighbor may not offer you a great rate. Comparing quotes from various providers may show you which one has the lowest premium for your circumstances.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500