Nebraska Car Insurance Guide (Cost + Coverage)

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Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in...

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Chris Harrigan has an economy degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise...

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Reviewed byChris Harrigan
Former Insurance Claims Managerhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cicompaniescom-live/1f43458a-chris-harrigan23.jpg

UPDATED: Jun 9, 2020

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Nebraska Stats SummaryStats
Miles of Roadway94,481
Vehicles Registered in the State1,925,361
State Population1,929,268
Most Popular VehicleF150
Uninsured Rates6.80%
Total Driving Related Deaths230
Speeding Fatalities29
Alcohol-Related Fatalities66
Average Annual Premiums$831.02
Liability Avg Premium$364.64
Collision Avg Premium$237.13
Comprehensive Avg Premium$229.25
Cheapest ProvidersUSAA and American Family Mutual
Get Your Rates Quote Now

When most people think of Nebraska they think of corn, but the state has given so much more to our country than just a tasty side dish. The 911 system was created and developed in Nebraska, along with center pivot irrigation and Kool-Aid, proving that some truly amazing things have come from the Cornhusker State.

Nebraska is also home to mandatory vehicle insurance laws, so you are required by law to maintain minimum liability coverage on your vehicle at all times. Although it is clearly a necessity, searching for insurance can be difficult. It is time-consuming to call multiple companies to compare quotes on auto insurance, but luckily, there are other options.

If you need to compare rates for your auto insurance, simply enter your zip code now to find a quote.

Table of Contents

Nebraska Car Insurance Coverage & Rates

One of the good things about insurance in Nebraska is that the state’s average premium of $831.02 is significantly lower than the national average premium of $1,009.38.

Nebraska’s Car Culture

People in Nebraska love their cars. Nebraska was the first state in the union to finish its section of the interstate, and they have even built an homage to Stonehenge made completely out of cars.

Even though people in Nebraska love their cars, they don’t spend as much time in them as others in the nation. Nebraska has an average commute time of 17.6 minutes, which is almost nine minutes lower than the national average of 25.5 minutes.

Nebraska Minimum Coverage

Like the large majority of the nation, Nebraska is an at-fault state. This means the driver who is at-fault for an accident is financially responsible for any damages caused, including both property damage and bodily injury. This is where your liability coverage comes into play.

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In Nebraska, all drivers are required to carry minimum liability coverage. The minimum liability coverage levels in the state are:

  • Property Damage – $25,000
  • Bodily Injury – $25,000 per person, $50,000 per accident
  • Uninsured/Underinsured Motorist – $25,000 per person, $50,000 per accident

Nebraska sometimes refers to uninsured/underinsured motorist coverage as hit-and-run insurance. This is the coverage that helps you when someone without insurance hits your car, causing property damage or bodily injury, and is unable to pay for the damages.

While insurance is required by law, almost 8 percent of Nebraska residents don’t have insurance coverage on their vehicles.

This means you need to protect yourself in the event of a catastrophe, which is why the law requires you to have uninsured/underinsured motorist coverage as part of your insurance policy.

Forms of Financial Responsibility

Whether you print ID cards at home or use your phone to access your insurance policy electronically, the state of Nebraska requires you to carry some form of proof of financial responsibility.

An insurance policy isn’t the only way to cover your legal requirements. You can have a surety bond, a certificate of self-insurance, a cash bond, or an insurance policy, but no matter what option you choose, you will be required to provide proof you are adequately covered.

Many insurance companies offer their customers the option to access their proof of coverage electronically through their smartphones, so be sure to check with your provider to see if they give you that option.

Premiums as a Percentage of Income

StatesFull Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
Kansas$850.79$41,634.002.04%$815.82$41,140.001.98%$785.72$40,424.001.94%
Nebraska$805.99$43,277.001.86%$773.64$41,110.001.88%$751.18$41,599.001.81%
Oklahoma$985.58$40,879.002.41%$931.41$38,623.002.41%$902.90$37,298.002.42%
South Dakota$744.28$41,825.001.78%$717.30$40,747.001.76%$690.95$41,402.001.67%
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Many different factors impact your insurance premiums. Everything from your age to your driving record to your zip code can have a big effect on your rates. This makes determining your premium as a percentage of your income difficult.

Both teens and adults with poor driving records could be spending 30 percent or more of their income on their coverage, whereas someone in their late 30s with an excellent driving record might be spending less than 5 percent of their income on car insurance premiums.

Take a look at these 6 major factors affecting auto insurance rates in Nebraska.

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To determine what percentage of your income is spent on car insurance, take the amount of your premium divided by your income (either gross or net) then multiply by 100.

For example, if a single, 25-year-old woman is earning $39,960 and paying $6,671.15 for insurance each year, she spends 16.69 percent of her gross income on her car insurance each year.

As she gets older, her insurance rates will change, but other factors such, as her zip code and credit history, will also impact her rates, which means she may not be able to predict whether her rates will go up or down over time.

You can use our calculator below to determine the percentage of income you are spending on your car insurance.

Average Monthly Car Insurance Rates in NE (Liability, Collision, Comprehensive)

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Insurance Costs in Nebraska20152014201320122011Average
Collision$237.13$229.70$220.74$218.30$211.63$223.50
Comprehensive$229.25$223.03$205.36$192.56$181.00$206.24
Full Covg$831.02$805.99$773.64$751.18$732.21$778.81
Liability$364.64$353.26$347.54$340.33$339.58$349.07
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While liability coverage is required in Nebraska, there is a lot more to insurance than just liability. Insurance is about protecting all of your financial interests, so you may want to consider purchasing some or all of these coverages as well:

  • Liability Liability insurance protects your financial welfare by paying for damages to the other driver’s vehicle if you are at fault in an accident. It also covers medical bills in the event of injuries caused in an accident where you were at fault.
  • Uninsured Motorist CoverageUninsured motorist coverage, often referred to as UM, is mandatory in Nebraska. Sometimes called hit-and-run coverage, it covers you if you are in an accident where an uninsured driver was at fault. It matches your liability levels, so if you want extra UM coverage you need to increase your liability levels to match.
  • CollisionCollision insurance protects you financially by paying for damages to your vehicle if you are at fault in an accident, whether you hit a stationary object or someone else’s vehicle. Sometimes lenders require you to have collision coverage if you are paying off a car loan, so keep that in mind when choosing your coverages.
  • ComprehensiveComprehensive insurance covers damage to your car that isn’t caused by an accident. Some things that might be covered under a comprehensive policy include weather-related damage, vandalism, and theft.

Each insurance company can have their own guidelines as to what is and is not covered under your comprehensive and collision policies, so make sure you do your research when choosing an insurance provider.

Additional Liability

When it comes to additional liability coverage you will want to consider Personal Injury Protection (PIP). Despite the fact that some states require PIP coverage as part of a basic liability plan, Nebraska does not have that requirement.

Where uninsured motorist/underinsured motorist coverage (UM/UIM) takes the place of the liability insurance the other person should have (or should have more of, depending on the situation), PIP is different because it applies no matter who was at fault in the accident.

PIP is usually a smaller amount of coverage, often as low as $2,000, provided to cover your most basic needs if you have to go to the doctor or hospital due to an injury during the accident.

But PIP is about your medical needs. What about the needs of the people in the other car if you are at fault in an accident?

While the state minimum might be $25,000/$50,000 for bodily injury and $25,000 for property damage, that is the minimum, not the maximum, for your liability coverage. You can always increase your liability levels, and most people should give some serious thought to carrying more than the state minimum.

You can choose to purchase more than the legal minimum of insurance. Most companies offer higher coverage levels, typically $100,000 in property damage and $100,000 per person/$300,000 per accident bodily injury, for which you will pay a higher monthly premium.

If you are lucky, in an at-fault accident the damage you cause will be minimal and nobody will get hurt. But what if you aren’t so lucky?

You could hit someone in a pricey, newer model vehicle. They might have three passengers in the car, all of whom need medical attention. A mother of three could easily have all of her children in the car, so keep that in mind when looking at that $50,000 bodily injury cap.

If your insurance only covers $25,000 for property damage and $25,000/$50,000 for bodily injury, you may still be required to pay for any damages beyond what your insurance policy covers, so choose your coverage levels carefully.

When you are choosing a policy, you should consider the loss ratio of the company, as well. The loss ratio is the amount paid out in claims by a company versus the amount of premium taken in by the company.

According to the NAIC, a loss ratio in the 60s or 70s is appropriate — it means they aren’t charging too much premium and they are regularly paying out claims to their customers. Below, you can see the average loss ratios for companies in Nebraska.

Details201420132012
Pure Premium22.2222.1121.55
Loss Ratio80.3481.1778.34
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Add-Ons, Endorsements, & Riders

Just because you have all of the basic core coverages and higher-than-average levels of liability coverage doesn’t mean you won’t need other coverage. There are other types of coverage available you may need to keep yourself on solid financial ground.

  • Umbrella Policy – If you don’t think that $100,000/$300,000 in bodily injury and $100,000 in property damage would be enough to protect your assets in a serious accident, you may want to consider an umbrella policy. Umbrella policies provide a minimum of $1,000,000 in liability coverage that kicks in once the underlying policy has exhausted its limits.
  • Rental ReimbursementRental reimbursement covers the cost of a rental car while your vehicle is being repaired because of an insured loss. For example, if you woke up one day and found your car had been vandalized comprehensive insurance would cover the cost to repair it, but rental reimbursement coverage would pay for the cost of a rental car covered during repairs.
  • Roadside Assistance – If you find yourself in need of a tow truck or basic repair on the side of the road, roadside assistance coverage would help cover the cost of those services.
  • GAP InsuranceGAP insurance covers the gap between what your insurance policy pays and the amount still owed for the car. GAP insurance can help prevent you from being forced to make payments on a totaled vehicle, but the type of GAP coverage available varies widely from company to company and state to state, so research carefully before buying.
  • Non-Owner Insurance – If you don’t own your own car but you still drive semi-regularly, you might need a non-owner insurance plan to provide you with third party liability coverage so you are financially protected.
  • Classic Car Insurance – The value of a classic or vintage car is worth more than normal depreciation. If you have a classic car you will need classic car insurance to make sure your vehicle is protected at its full value.
  • Usage-Based/Pay-As-You-Drive Insurance – A device can be installed in your car or an app installed on your phone that records your driving information (speed, mileage, etc.) and reports it to your insurance company who offer you discounts based on your driving record. This has the potential for serious negative side effects though, so consider carefully before signing up.

Average Monthly Car Insurance Rates by Age & Gender in NE

While some states are now making it illegal for insurance companies to rate people based on their gender, Nebraska is not one of them. Your gender can and will impact your insurance premium, though the difference in premium in Nebraska between genders is not nearly as extreme as it is in other states.

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CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allied P&C$1,812.89$1,872.18$1,622.89$1,738.25$4,171.27$5,204.70$2,086.90$2,259.18
Allstate F&C$2,181.35$2,077.34$1,938.05$1,954.86$6,080.95$6,397.53$2,455.30$2,507.30
American Family Mutual$1,770.79$1,770.79$1,612.52$1,612.52$2,966.53$4,367.34$1,732.11$1,874.67
GEICO General$2,948.59$2,893.21$2,888.54$2,779.55$6,078.75$7,963.78$2,659.17$2,575.93
Mid-Century Ins Co$2,294.53$2,283.40$2,057.06$2,167.27$8,770.83$9,042.05$2,594.48$2,713.90
Progressive Northern$2,108.34$2,038.13$1,730.90$1,797.14$8,039.05$9,069.45$2,524.47$2,700.63
Safeco Ins Co of IL$3,285.67$3,565.82$2,594.19$3,158.12$14,111.65$15,859.09$3,448.52$3,821.47
State Farm Mutual Auto$1,595.00$1,595.00$1,395.53$1,395.53$4,288.72$5,477.80$1,760.67$1,993.40
USAA$1,386.59$1,384.24$1,260.17$1,299.75$4,333.52$5,190.05$1,795.93$2,005.79
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While your age, gender, and marital status all impact your rates, there is still a significant difference in price from company to company, which means it is in your best interest to receive multiple quotes before purchasing a policy. Shopping around for insurance could save you hundreds of dollars per year.

CompanyDemographicAverage Annual Rate
USAAMarried 60-year old female$1,260.17
USAAMarried 60-year old male$1,299.75
USAAMarried 35-year old male$1,384.24
USAAMarried 35-year old female$1,386.59
State Farm Mutual AutoMarried 60-year old female$1,395.53
State Farm Mutual AutoMarried 60-year old male$1,395.53
State Farm Mutual AutoMarried 35-year old female$1,595.00
State Farm Mutual AutoMarried 35-year old male$1,595.00
American Family MutualMarried 60-year old female$1,612.52
American Family MutualMarried 60-year old male$1,612.52
Allied P&CMarried 60-year old female$1,622.89
Progressive NorthernMarried 60-year old female$1,730.90
American Family MutualSingle 25-year old female$1,732.11
Allied P&CMarried 60-year old male$1,738.25
State Farm Mutual AutoSingle 25-year old female$1,760.67
American Family MutualMarried 35-year old female$1,770.79
American Family MutualMarried 35-year old male$1,770.79
USAASingle 25-year old female$1,795.93
Progressive NorthernMarried 60-year old male$1,797.14
Allied P&CMarried 35-year old female$1,812.89
Allied P&CMarried 35-year old male$1,872.18
American Family MutualSingle 25-year old male$1,874.67
Allstate F&CMarried 60-year old female$1,938.05
Allstate F&CMarried 60-year old male$1,954.86
State Farm Mutual AutoSingle 25-year old male$1,993.40
USAASingle 25-year old male$2,005.79
Progressive NorthernMarried 35-year old male$2,038.13
Mid-Century Ins CoMarried 60-year old female$2,057.06
Allstate F&CMarried 35-year old male$2,077.34
Allied P&CSingle 25-year old female$2,086.90
Progressive NorthernMarried 35-year old female$2,108.34
Mid-Century Ins CoMarried 60-year old male$2,167.27
Allstate F&CMarried 35-year old female$2,181.35
Allied P&CSingle 25-year old male$2,259.18
Mid-Century Ins CoMarried 35-year old male$2,283.40
Mid-Century Ins CoMarried 35-year old female$2,294.53
Allstate F&CSingle 25-year old female$2,455.30
Allstate F&CSingle 25-year old male$2,507.30
Progressive NorthernSingle 25-year old female$2,524.47
GEICO GeneralSingle 25-year old male$2,575.93
Safeco Ins Co of ILMarried 60-year old female$2,594.19
Mid-Century Ins CoSingle 25-year old female$2,594.48
GEICO GeneralSingle 25-year old female$2,659.17
Progressive NorthernSingle 25-year old male$2,700.63
Mid-Century Ins CoSingle 25-year old male$2,713.90
GEICO GeneralMarried 60-year old male$2,779.55
GEICO GeneralMarried 60-year old female$2,888.54
GEICO GeneralMarried 35-year old male$2,893.21
GEICO GeneralMarried 35-year old female$2,948.59
American Family MutualSingle 17-year old female$2,966.53
Safeco Ins Co of ILMarried 60-year old male$3,158.12
Safeco Ins Co of ILMarried 35-year old female$3,285.67
Safeco Ins Co of ILSingle 25-year old female$3,448.52
Safeco Ins Co of ILMarried 35-year old male$3,565.82
Safeco Ins Co of ILSingle 25-year old male$3,821.47
Allied P&CSingle 17-year old female$4,171.27
State Farm Mutual AutoSingle 17-year old female$4,288.72
USAASingle 17-year old female$4,333.52
American Family MutualSingle 17-year old male$4,367.34
USAASingle 17-year old male$5,190.05
Allied P&CSingle 17-year old male$5,204.70
State Farm Mutual AutoSingle 17-year old male$5,477.80
GEICO GeneralSingle 17-year old female$6,078.75
Allstate F&CSingle 17-year old female$6,080.95
Allstate F&CSingle 17-year old male$6,397.53
GEICO GeneralSingle 17-year old male$7,963.78
Progressive NorthernSingle 17-year old female$8,039.05
Mid-Century Ins CoSingle 17-year old female$8,770.83
Mid-Century Ins CoSingle 17-year old male$9,042.05
Progressive NorthernSingle 17-year old male$9,069.45
Safeco Ins Co of ILSingle 17-year old female$14,111.65
Safeco Ins Co of ILSingle 17-year old male$15,859.09
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In the tables above, the rates are determined by actual purchased coverage by drivers in Nebraska. It also includes rates for high-risk drivers and drivers who choose to carry higher-than-minimum levels of coverage, so these numbers may be higher than normal in your situation.

Cheapest Rates by Zip Code

Your zip code is a determining factor in your insurance rates. Everything from the number of accidents to the number of cars stolen in a particular zip code goes into determining the rates for an area, which means that moving a block or two could dramatically change your annual premiums if it puts you in a different zip code.

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25 Most Expensive Zip Codes in NebraskaCityAverage Rate by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
68111OMAHA$4,516.91Liberty Mutual$8,012.92Farmers$5,835.26American Family$2,848.98USAA$2,964.35
68110OMAHA$4,497.63Liberty Mutual$8,012.92Farmers$5,558.40USAA$2,681.07American Family$2,837.43
68112OMAHA$4,344.39Liberty Mutual$8,012.92Farmers$5,287.85American Family$2,674.48USAA$2,681.07
68131OMAHA$4,264.14Liberty Mutual$7,296.02Farmers$5,345.45USAA$2,681.07American Family$2,837.43
68104OMAHA$4,209.21Liberty Mutual$7,729.84Farmers$5,299.50USAA$2,416.12American Family$2,621.32
68108OMAHA$4,201.70Liberty Mutual$7,604.48Farmers$5,481.70USAA$2,437.34American Family$2,674.48
68102OMAHA$4,192.38Liberty Mutual$7,604.48Farmers$5,397.70American Family$2,594.65USAA$2,615.07
68152OMAHA$4,092.93Liberty Mutual$7,729.84Farmers$5,261.63USAA$2,304.15American Family$2,621.32
68178OMAHA$4,014.67Liberty Mutual$7,604.48Farmers$4,857.30USAA$2,615.07American Family$2,837.43
68198OMAHA$4,007.06Liberty Mutual$7,012.93Farmers$5,384.31American Family$2,594.65USAA$2,615.07
68132OMAHA$3,991.16Liberty Mutual$6,980.02Farmers$5,252.67USAA$2,416.12American Family$2,621.32
68107OMAHA$3,974.93Liberty Mutual$7,044.94Farmers$5,092.82USAA$2,376.97American Family$2,569.72
68182OMAHA$3,958.14Liberty Mutual$6,980.02Farmers$5,109.38American Family$2,400.27USAA$2,615.07
68105OMAHA$3,956.07Liberty Mutual$7,044.94Farmers$4,760.64USAA$2,376.97American Family$2,594.65
69355MELBETA$3,886.61Liberty Mutual$6,654.50Progressive$6,594.26American Family$2,147.81State Farm$2,366.38
69365WHITECLAY$3,861.11Liberty Mutual$6,625.23Progressive$6,594.26American Family$2,073.09USAA$2,353.35
69353MCGREW$3,848.93Progressive$6,594.26Liberty Mutual$6,292.42American Family$2,170.84State Farm$2,366.38
68403MANLEY$3,751.17Progressive$6,594.26Liberty Mutual$6,328.83American Family$2,319.94USAA$2,443.16
68134OMAHA$3,750.51Liberty Mutual$6,928.75Farmers$4,689.88USAA$2,331.17American Family$2,400.27
68419PANAMA$3,741.84Progressive$6,594.26Liberty Mutual$6,328.83USAA$2,161.40American Family$2,294.57
68664SNYDER$3,733.70Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
68016CEDAR CREEK$3,731.42Progressive$6,594.26Liberty Mutual$6,328.83American Family$2,319.94USAA$2,443.16
68063UEHLING$3,727.61Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
68072WINSLOW$3,727.61Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
68117OMAHA$3,712.37Liberty Mutual$6,803.39Farmers$4,533.92USAA$2,376.97American Family$2,400.27
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Next, the cheapest zip codes.

25 Least Expensive Zip Codes in NebraskaCityAverage Rate by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
68803GRAND ISLAND$3,133.81Liberty Mutual$5,687.29GEICO$3,804.61American Family$2,009.93State Farm$2,203.87
68319BRADSHAW$3,157.27Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,122.18
68512LINCOLN$3,162.55Liberty Mutual$6,398.07Farmers$3,872.42American Family$2,104.59USAA$2,109.42
68371HENDERSON$3,169.25Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,182.52
68810ALDA$3,173.24Liberty Mutual$5,687.29Farmers$3,825.14American Family$2,024.81State Farm$2,203.89
68801GRAND ISLAND$3,175.70Liberty Mutual$5,687.29Farmers$3,876.83American Family$2,009.93State Farm$2,277.68
68832DONIPHAN$3,185.76Liberty Mutual$5,687.29GEICO$3,804.61American Family$2,073.09State Farm$2,238.68
68924AXTELL$3,185.90Liberty Mutual$6,102.30GEICO$3,804.61American Family$2,073.09State Farm$2,106.56
68824CAIRO$3,186.01Liberty Mutual$5,687.29Farmers$3,891.05American Family$2,073.09State Farm$2,241.26
68375HUBBELL$3,186.96Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,172.01State Farm$2,224.06
68362GILEAD$3,193.92Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,155.82State Farm$2,224.06
68883WOOD RIVER$3,196.12Liberty Mutual$5,687.29GEICO$3,804.61American Family$2,088.52State Farm$2,184.64
68955JUNIATA$3,197.47Liberty Mutual$5,859.38GEICO$3,804.61American Family$2,088.52State Farm$2,212.44
68316BENEDICT$3,198.41Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,224.06
68956KENESAW$3,198.60Liberty Mutual$5,859.38GEICO$3,804.61American Family$2,088.52State Farm$2,214.02
68847KEARNEY$3,201.56Liberty Mutual$6,102.30GEICO$3,804.61American Family$2,088.52State Farm$2,118.29
68460WACO$3,202.39Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,122.41
68505LINCOLN$3,206.93Liberty Mutual$6,398.07Farmers$3,935.23USAA$2,094.78American Family$2,152.72
68522LINCOLN$3,208.14Liberty Mutual$6,328.83Farmers$3,932.98USAA$2,156.44American Family$2,222.31
68467YORK$3,209.02Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,095.08
68935EDGAR$3,209.28Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,172.01State Farm$2,269.63
68934DEWEESE$3,210.55Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,172.01State Farm$2,224.06
68950HOLSTEIN$3,215.34Liberty Mutual$5,859.38Farmers$3,828.42American Family$2,148.32State Farm$2,224.06
68601COLUMBUS$3,215.66Liberty Mutual$6,222.77GEICO$3,804.61American Family$2,190.28State Farm$2,193.71
68401MC COOL JUNCTION$3,216.69Liberty Mutual$5,983.46GEICO$3,804.61State Farm$2,140.69American Family$2,155.82
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Cheapest Rates by City

Just like your zip code, your city of residence can have a big impact on your insurance rates. Crime rates, street parking, and other variables in your town can impact the insurance rates for your city.

10 Most Expensive Cities in NebraskaAverage Rate by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Melbeta$3,886.61Liberty Mutual$6,654.50Progressive$6,594.26American Family$2,147.81State Farm$2,366.38
Whiteclay$3,861.11Liberty Mutual$6,625.23Progressive$6,594.26American Family$2,073.09USAA$2,353.35
McGrew$3,848.93Progressive$6,594.26Liberty Mutual$6,292.42American Family$2,170.84State Farm$2,366.38
Omaha$3,801.76Liberty Mutual$7,047.96Farmers$4,720.11USAA$2,396.10American Family$2,430.52
Manley$3,751.17Progressive$6,594.26Liberty Mutual$6,328.83American Family$2,319.94USAA$2,443.16
Panama$3,741.84Progressive$6,594.26Liberty Mutual$6,328.83USAA$2,161.40American Family$2,294.57
Snyder$3,733.70Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
Cedar Creek$3,731.42Progressive$6,594.26Liberty Mutual$6,328.83American Family$2,319.94USAA$2,443.16
Uehling$3,727.61Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
Winslow$3,727.61Progressive$6,594.26Liberty Mutual$6,308.53USAA$2,260.85American Family$2,312.43
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Melbeta is the most expensive city in Nebraska.

10 Least Expensive Cities in NebraskaAverage Rate by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Grand Island$3,154.75Liberty Mutual$5,687.29GEICO$3,804.61American Family$2,009.93State Farm$2,240.78
Bradshaw$3,157.27Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,122.18
Henderson$3,169.25Liberty Mutual$5,983.46GEICO$3,804.61American Family$2,075.97State Farm$2,182.52
Alda$3,173.24Liberty Mutual$5,687.29Farmers$3,825.14American Family$2,024.81State Farm$2,203.89
Axtell$3,185.90Liberty Mutual$6,102.30GEICO$3,804.61American Family$2,073.09State Farm$2,106.56
Cairo$3,186.01Liberty Mutual$5,687.29Farmers$3,891.05American Family$2,073.09State Farm$2,241.26
Hubbell$3,186.96Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,172.01State Farm$2,224.06
Gilead$3,193.92Liberty Mutual$5,827.38GEICO$3,804.61American Family$2,155.82State Farm$2,224.06
Wood River$3,196.12Liberty Mutual$5,687.29GEICO$3,804.61American Family$2,088.52State Farm$2,184.64
Juniata$3,197.47Liberty Mutual$5,859.38GEICO$3,804.61American Family$2,088.52State Farm$2,212.44
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Best Nebraska Car Insurance Companies

Determining which Nebraska car insurance company is the best for you can be difficult. Some insurance companies offer a wider variety of options, others provide more robust coverage, while others might be the most affordable option. How do you decide which is right for you?

It can be useful to have a surplus of data when choosing which insurance company should protect you and your vehicle. Below are a few of the points you might want to reference when making a decision. Read on to learn more:

The Largest Companies’ Financial Rating

One way you can determine the stability level of an insurance company is by its financial rating. Companies like A.M. Best rate each company based on their financial stability — whether they have the financial assets needed to pay out claims over the course of the year.

This shouldn’t be your only determining factor, however. After all, just because a company has excellent financial ratings doesn’t mean their customers are happy with their service.

It also doesn’t mean their rates are better (or worse) than any other company, so this is just one of many things to consider when choosing an insurance company.

Companies with Best Ratings

Geico, State Farm, and USAA are the companies with the highest A.M. Best ratings in Nebraska, but all of the insurance companies included in the table above scored very highly on the A.M. Best scale.

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Companies with an A rating or above are typically very financially stable, making them an excellent choice for anyone who may need to file a claim in the future. A company’s financial rating isn’t the only thing you should consider but is just one of the many pieces of information you should think about when choosing an insurance provider.

CompanyAM Best Rating
Allied P&CA+
Allstate F&CA+
American Family MutualA
GEICO GeneralA++
Mid-Century Ins CoA
Progressive NorthernA+
Safeco Ins Co of ILA
State Farm Mutual AutoA++
USAAA++
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Companies with the Most Complaints in Nebraska

In every state across the country, consumers are encouraged to report complaints regarding their insurance companies to the Attorney General’s office. But how do you know if your problem warrants filing an official claim?

The NAIC can help guide you through the process. They have apps for both Android and iPhone that can walk you through the steps to take after an accident, including reporting an issue to the state if necessary.

When in doubt, you can always contact the Attorney General’s office at 402-471-2683 and ask for clarification. You can also find their email, fax, and mailing address on the Attorney General’s website.

CompanyDirect Premiums WrittenCompany Complaint
Ratio 2017
Total Complaints
2017
State Farm Group$289,7630.441482
Progressive Group$156,3150.75120
Kentucky Farm Bureau Group$107,2970.021
American Family Insurance Group$101,2380.7973
Iowa Farm Bureau Group$85,2990.7732
Nationwide Corp Group$67,7490.2825
Allstate Insurance Group$60,8680.5163
USAA Group$53,9820.74296
Farmers Insurance Group$43,0840.597
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Cheapest Companies in Nebraska

These are the largest companies in Nebraska and their annual rates:

CompanyAverage RateCompared to State Average+/-
Allstate F&C$3,199.08-$200.77-6.28%
American Family Mutual$2,213.41-$1,186.45-53.60%
Mid-Century Ins Co$3,990.44$590.5814.80%
GEICO General$3,848.44$448.5811.66%
Safeco Ins Co of IL$6,230.57$2,830.7145.43%
Allied P&C$2,596.03-$803.82-30.96%
Progressive Northern$3,751.01$351.169.36%
State Farm Mutual Auto$2,437.71-$962.15-39.47%
USAA$2,332.01-$1,067.85-45.79%
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While the price is important, it is only one of the many factors you should consider when choosing a plan. You will want to be sure any policy you choose has the benefits you need, so check each policy carefully before you accept it.

Who are the largest car insurance companies in Nebraska?

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Also, keep in mind that not every policy is available to every person. USAA, for example, is an insurance company only available to members of the U.S. military and their families, which means not everyone can sign up through USAA, even though they typically have the lowest prices.

Commute Rates by Companies

Your commute is an important factor when determining your insurance rates. Often, companies break up their commute rates into categories, such as 10-mile commute/6,000 annual mileage or 25-mile commute/12,000 annual mileage.

The more time you spend driving each day, the more likely you are to file a claim; therefore, you will pay a higher premium for your policy.

Whether the claim is as serious as a car accident or something smaller, such as a windshield replacement, increased drive time will expose you to more situations that might damage your vehicle.

The general rates based on your commute time and distance are listed on the chart below:

GroupCommute And Annual MileageAnnual Average
Liberty Mutual10 miles commute. 6000 annual mileage.$6,230.57
Liberty Mutual25 miles commute. 12000 annual mileage.$6,230.57
Farmers10 miles commute. 6000 annual mileage.$3,990.44
Farmers25 miles commute. 12000 annual mileage.$3,990.44
GEICO25 miles commute. 12000 annual mileage.$3,908.12
GEICO10 miles commute. 6000 annual mileage.$3,788.76
Progressive10 miles commute. 6000 annual mileage.$3,751.01
Progressive25 miles commute. 12000 annual mileage.$3,751.01
Allstate10 miles commute. 6000 annual mileage.$3,199.09
Allstate25 miles commute. 12000 annual mileage.$3,199.09
Nationwide10 miles commute. 6000 annual mileage.$2,596.03
Nationwide25 miles commute. 12000 annual mileage.$2,596.03
State Farm25 miles commute. 12000 annual mileage.$2,500.23
State Farm10 miles commute. 6000 annual mileage.$2,375.18
USAA25 miles commute. 12000 annual mileage.$2,359.11
USAA10 miles commute. 6000 annual mileage.$2,304.90
American Family25 miles commute. 12000 annual mileage.$2,231.31
American Family10 miles commute. 6000 annual mileage.$2,195.50
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Coverage Level Rates by Companies

Because there are so many options to choose from when selecting an insurance plan, the price of your insurance can vary wildly depending on which coverages you choose.

Your individual situation has a big impact on your insurance prices. Driving a five-year-old Honda? Your comprehensive and collision coverage will probably be much cheaper than if you were driving a brand new Audi.

Take a look at the chart below to see how your choice of coverage can impact your rates at each company.

GroupCoverage TypeAnnual Average
Liberty MutualHigh$6,436.58
Liberty MutualMedium$6,197.21
Liberty MutualLow$6,057.90
FarmersHigh$4,213.54
GEICOHigh$3,940.29
FarmersMedium$3,933.99
ProgressiveHigh$3,930.65
GEICOMedium$3,844.99
FarmersLow$3,823.80
GEICOLow$3,760.03
ProgressiveMedium$3,741.58
ProgressiveLow$3,580.81
AllstateHigh$3,282.84
AllstateMedium$3,193.28
AllstateLow$3,121.13
NationwideLow$2,637.85
NationwideMedium$2,585.77
NationwideHigh$2,564.48
State FarmHigh$2,536.33
State FarmMedium$2,433.89
USAAHigh$2,410.66
State FarmLow$2,342.89
USAAMedium$2,328.68
American FamilyMedium$2,279.32
USAALow$2,256.68
American FamilyLow$2,196.25
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Credit History Rates by Companies

Though most people wouldn’t think they would be connected, one of the things that can impact your rates is your credit history.

Statistics show that people with lower credit scores tend to file more claims, which means a low credit score can raise your rates, or possibly even cause you to be denied coverage, depending on the circumstances.

Take a look at the chart below to see how your credit history can impact your insurance rates.

GroupCredit HistoryAnnual Average
Liberty MutualPoor$8,995.67
Liberty MutualFair$5,429.16
FarmersPoor$4,572.61
GEICOPoor$4,400.38
ProgressivePoor$4,307.21
Liberty MutualGood$4,266.87
AllstatePoor$3,969.74
GEICOFair$3,818.47
FarmersFair$3,790.48
ProgressiveFair$3,612.67
FarmersGood$3,608.23
State FarmPoor$3,541.78
ProgressiveGood$3,333.16
GEICOGood$3,326.47
NationwidePoor$3,120.82
USAAPoor$3,108.18
AllstateFair$3,020.24
American FamilyPoor$2,965.91
AllstateGood$2,607.28
NationwideFair$2,483.58
NationwideGood$2,183.71
State FarmFair$2,123.22
USAAFair$2,103.06
American FamilyFair$2,026.00
USAAGood$1,784.78
American FamilyGood$1,648.32
State FarmGood$1,648.11
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If your credit rating is low, that doesn’t mean all hope is lost. You can still comparison shop between companies, potentially saving yourself hundreds of dollars a year. You can also work to improve your credit rating to help lower your insurance costs.

Driving Record Rates by Companies

It may seem obvious, but don’t forget that your driving record can have a significant impact on your insurance premiums.

While a speeding ticket or a fender bender may only cost you a hundred dollars or so initially, the infraction will be reported to your insurance company and will probably cause a rate increase, so keep that in mind when you are zooming through that school zone.

GroupDriving_RecordAnnual Average
Liberty MutualWith 1 DUI$6,826.89
Liberty MutualWith 1 speeding violation$6,456.53
Liberty MutualWith 1 accident$6,294.37
GEICOWith 1 DUI$5,353.65
Liberty MutualClean record$5,344.48
ProgressiveWith 1 accident$4,674.90
FarmersWith 1 accident$4,328.05
FarmersWith 1 DUI$4,221.46
FarmersWith 1 speeding violation$4,034.21
GEICOWith 1 speeding violation$4,021.98
NationwideWith 1 DUI$3,795.39
AllstateWith 1 DUI$3,779.52
ProgressiveWith 1 speeding violation$3,572.84
ProgressiveWith 1 DUI$3,566.80
GEICOWith 1 accident$3,549.90
FarmersClean record$3,378.04
USAAWith 1 DUI$3,326.12
ProgressiveClean record$3,189.50
AllstateWith 1 accident$3,132.72
AllstateWith 1 speeding violation$3,105.70
AllstateClean record$2,778.41
NationwideWith 1 accident$2,660.35
State FarmWith 1 accident$2,608.08
GEICOClean record$2,468.24
State FarmWith 1 DUI$2,437.70
State FarmWith 1 speeding violation$2,437.70
American FamilyWith 1 accident$2,351.41
State FarmClean record$2,267.34
USAAWith 1 accident$2,227.91
American FamilyClean record$2,167.41
American FamilyWith 1 DUI$2,167.41
American FamilyWith 1 speeding violation$2,167.41
NationwideWith 1 speeding violation$2,087.26
USAAWith 1 speeding violation$2,004.52
NationwideClean record$1,841.14
USAAClean record$1,769.47
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Speeding tickets and other minor offenses may seem forgettable in the moment, but they will show up on your insurance premiums in the future. Obeying traffic laws and avoiding citations is an effective way to keep your insurance costs low.

Largest Car Insurance Companies in Nebraska

While size isn’t necessarily an important factor, choosing a larger, well-known company with offices all over your state can be a good way to know you’ll be able to find someone to help you if you have a claim to file someday.

Recommendations from other customers are easier to find with larger companies. After all, the larger a company’s customer base, the more people there are who can make a recommendation.

Take a look at the table below to see some of the largest insurance companies in Nebraska and their rates.

CompanyAverage RateCompared to State Average+/-
Allstate F&C$3,199.08-$200.77-6.28%
American Family Mutual$2,213.41-$1,186.45-53.60%
Mid-Century Ins Co$3,990.44$590.5814.80%
GEICO General$3,848.44$448.5811.66%
Safeco Ins Co of IL$6,230.57$2,830.7145.43%
Allied P&C$2,596.03-$803.82-30.96%
Progressive Northern$3,751.01$351.169.36%
State Farm Mutual Auto$2,437.71-$962.15-39.47%
USAA$2,332.01-$1,067.85-45.79%
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Number of Insurers in Nebraska

Nebraska has 34 domestic insurance companies, meaning these companies not only do business in Nebraska but have their headquarters in the state, as well.

There are 867 foreign insurance companies doing business in Nebraska. This doesn’t mean they are headquartered in another country, however, just that their headquarters are in a different state.

These numbers don’t include alternative insurance options, such as people who are self-insured or people who are insured through a charter program.

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Nebraska Laws

Each state has its own insurance and driving laws, rules, and regulations. What is perfectly normal in one state might be illegal in another, while something illegal in Nebraska could be acceptable somewhere else, so don’t assume that just because you know the law in Texas you won’t break the law in Nebraska.

Car Insurance Laws

Like all other laws, car insurance laws are changed or updated all the time. It is important to keep yourself up to date on the laws as they pertain to your car insurance to make sure you know what is required of you as a consumer and a driver.

For example, In Nebraska it is possible for someone with multiple DUI convictions to have their license revoked for 15 years. The state has recently passed a law that allows someone who has had their license revoked to appeal to the Board of Pardons for a reprieve.

If the reprieve is granted, the driver may be given permission to drive again as long as their vehicle is fitted with an ignition interlock device to prevent it from being used while under the influence.

Using Nebraska’s DMV website is an excellent way to stay on top of the laws as they are changed and updated.

How Nebraska Laws for Insurance are Determined

Nebraska’s laws are determined the same way laws are determined in other states — through a legislative process.

What makes Nebraska different, however, is that laws are created through a unicameral legislature instead of a bicameral legislature. This means there is only one governing body creating laws instead of two, which has both benefits and detriments when it comes to creating laws.

Windshield Coverage

Nebraska has no laws specific to windshield replacement.

Your insurance company is allowed to require you to use specific repair shops when you file a claim, but there are no laws on the books regarding aftermarket glass or other typical windshield replacement issues.

High-Risk Insurance

If you have enough tickets, accidents, or DUI convictions, you may find that insurance companies consider you uninsurable. But Nebraska requires all drivers to carry auto insurance, so how can you follow the law?

If you need a policy but cannot find an insurer, you can reach out to Nebraska’s Automobile Insurance Plan (NE AIP) for assistance. They will assign you to an insurance company that is required to provide you a policy, though there is no guarantee the policy will be cheap.

If you need to provide proof of coverage due to point revocations, medical hardship permits, or other reasons, you can always get an SR-22. This is the form that proves to the state you have active insurance coverage. If you need an SR-22 form, you can reach out to your insurance agent.

Low-Cost Insurance

At this time there are no discounts available specifically for people on Medicare or Medicaid, so, unfortunately, people in those programs will have to pay the full price for their auto insurance. That doesn’t mean you don’t have any other options, however, because there are lots of discounts available with almost every insurance company.

There are typical discounts, such as good driving record discounts or discounts for people who have multiple lines of insurance through the company, but that is just the beginning.

Many insurers also give discounts to nurses, teachers, active military, and other occupational discounts. Some insurers give discounts to students with a high GPA. Some even offer discounts through certain employer groups, so check with your HR department to see if they offer car insurance discounts as an employee benefit.

Automobile Insurance Fraud in Nebraska

Insurance fraud isn’t just filing an illegitimate claim. Filing false paperwork, agents pocketing your premium payments, or exaggerating the damage in a claim are all forms of insurance fraud.

Purposely damaging your property to file a claim is also insurance fraud, which means if you’re caught knowingly setting your car on fire or arranging to have it stolen so you can file a claim, you will face severe penalties.

Insurance companies take customers attempting to commit fraud very seriously, so be sure to follow the law when it comes to buying insurance and filing claims. At the same time, if you believe your insurance company is fraudulently denying your claim be sure to reach out to the Attorney General for assistance.

Statute of Limitations

The law in Nebraska states that you have four years to file a lawsuit over bodily injury or property damage in a car accident, otherwise you are beyond the statute of limitations and your claim is no longer collectible.

Almost any issue that can be taken to court will run into a statute of limitations, so if you believe you’ve been in an accident or filed a claim that needs to go through the court system, make sure you file right away to avoid running into the statute of limitations and having your case denied.

Nebraska-Specific Laws

While many laws are the same from state to state, every state has its own unique laws, as well, and Nebraska is no exception. For example, in Nebraska, it is considered child abuse and neglect to leave a child under the age of six unattended in a vehicle.

Make sure you know the local laws to prevent an unnecessary ticket.

Vehicle Licensing Laws

Every state has slightly different requirements for getting licensed to drive. Those requirements are often different even for local residents, with different standards for new drivers, experienced drivers who are new state residents, and senior citizens.

If you need to get your license for the first time, or even just update or renew your license, you’ll need to make sure you follow all of Nebraska’s rules and regulations.

REAL ID

The REAL ID Act is a federal law designed as a strategy to help combat terrorism. REAL IDs are much more secure, increasing the likelihood that someone’s ID matches their identity. Your ID will need to be compliant by October 2020, so don’t wait to update your ID.

Nebraska is compliant with the REAL ID Act, which means that your Nebraska REAL ID allows you to board commercial airplanes and enter federal facilities. If you want to make sure your ID is a REAL ID, you can check the top right corner for a gold star or a star outlined in gold.

Penalties for Driving Without Insurance

If you are caught driving without insurance in Nebraska you will face consequences, such as:

  • Suspended license and registration – Both your driver’s license and your vehicle registration will be suspended, requiring you to reinstate them.
  • Reinstatement fees – It is a $50 fee to reinstate your license and another $50 fee to reinstate your registration, costing you $100 to get back on the road.
  • SR-22 – You will be required to have proof of insurance on file with the state for at least three years after your license and registration have been reinstated.

Teen Driver Laws

Like most states, Nebraska has graduated laws for teen drivers, which means they start driving with a learner’s permit and slowly work their way up to a full license over time.

In Nebraska, a teenager may get their learner’s permit at 15. Then they are required to log at least 50 hours of driving, at least 10 of which must be at night. There are other restrictions listed in the chart below:

Graduated driving restrictionsMinimum entry ageMandatory holding periodMinimum amount of supervised drivingMinimum ageUnsupervised driving prohibitedRestriction on passengers (family members excepted unless otherwise noted)Nighttime restrictionsPassenger restrictions
NE156 months50 hours, 10 of which must be at night (none with driver education)16midnight-6 a.m. secondary enforcementno more than 1 passenger younger than 19 secondary enforcement12 months or at age 18, whichever occurs first (min. age: 17)6 months or age 18, whichever occurs first (min. age: 16, 6 mos.)
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Older Driver License Renewal Procedures

In Nebraska, drivers over the age of 70 are required to renew their licenses in person at a local DMV office. This is because there are required vision tests that go along with the renewal process after the age of 70.

If requested by a doctor, family member, or a police officer, senior citizens could be required to submit to a reexamination to renew their license. This could involve any combination of a written exam, road test, vision test, and interview with a DMV employee.

New Residents

New residents in Nebraska are required to be verified through the following systems and agencies:

  • State to State – This system verifies ID information that was issued from another state
  • Problem Driver Point System – This verifies if the applicant has had their license suspended or revoked for any reason
  • Social Security Online Verification – This system verifies the social security number of all applicants
  • Systematic Alien Verification for Entitlements – This system verifies citizenship and immigration documents for all applicants

License Renewal Procedures

In Nebraska, drivers over the age of 21 and under the age of 70 renew their licenses every five years. If you do not require a vision test, you are welcome to renew your license online, provided you meet the following requirements:

  • Your name cannot have changed since your license was last issued
  • Your physical description cannot have changed significantly because your photo and description will be used on your next license. If you have lost or gained weight, changed hair color (or lost your hair completely) or had any other major changes, you will need to renew in person.
  • You cannot renew online if you renewed online at your last renewal. You must renew in person at least once every 10 years and have a new picture taken.

Negligent Operator Treatment System (NOTS)

Points stay on your record for five years in Nebraska. Additionally, if you accumulate 12 or more points in a two year period, the state will revoke your license.

Luckily, the state provides people with fewer than 12 points on their license the opportunity to enroll in a Driver Improvement Course. If you successfully complete the course, it can take two points off of your record in the last two years, helping keep your record clear and your insurance costs low.

You’ll have to be careful, though, because you can only take the course once every five years. The best way to keep your record clean is to drive cautiously.

Rules of the Road

When it comes to the laws regarding driving and insurance, essentially all of them are determined by the state. Everything from seatbelt requirements to minimum insurance levels is specific to Nebraska.

This means that you can’t assume that just because you know the laws in one state that you’ll be following the law in Nebraska.

To keep yourself safe and prevent traffic citations, make sure you know and adhere to the traffic laws in Nebraska.

Fault vs. No-Fault

Nebraska is an at-fault state, which means the driver who is responsible for the accident is responsible for paying all of the costs associated with the accident.

This means that if you are hit by another driver, you can file a claim with their insurance company or take them to court to cover any damages you’ve suffered.

This also means that, if you hit someone else, they have all the same rights, so make sure you have sufficient liability coverage in place.

In fact, Nebraska is also what is known as a Tort state, which means that not only is the at-fault driver responsible for all property repair and medical costs, but also that the driver who is not at fault can sue for lost wages, pain and suffering, and more.

– Seat Belt & Car Seat Laws

As of January 1, 2019, the child safety seat laws in Nebraska have been updated to protect children under the age of eight. The new rules are as follows:

  • Children Under Two – Children two years and younger must ride in a rear-facing car seat
  • Children Between Two and Eight – Children between two and eight must ride in an appropriate car seat or booster seat
  • Children Under Eight – All children under the age of eight must ride in the backseat of the vehicle
  • Children Between Eight and 18 – Children who are not in car seats are still required by law to wear a seat belt
  • Children Under 18 – At no point is a child under the age of 18 allowed to ride in the cargo area

When it comes to seat belt laws, Nebraska is a secondary enforcement state, which means you cannot be pulled over because you were seen driving without a seat belt, but if you are pulled over for another offense they can ticket you for it in addition to your original citation.

While there are are some rare instances where seat belts are not required in Nebraska (for example, adults riding in the back seat are not required to wear them) most of the time everyone in a vehicle is required by law to wear a seat belt. This means you are better off not taking chances and just buckling up.

Keep Right & Move Over Laws

According to Nebraska law, drivers are supposed to keep right except to pass. In the event that there are multiple lanes of traffic, slow traffic is supposed to keep to the right.

If you see an emergency vehicle stopped on the road to help someone, you are required by law to put a full car lane between you and the emergency vehicle. If that is not possible because you don’t have an additional lane, you are required to slow down and follow instructions given by a peace officer if one is on the scene.

Speed Limits

Rural interstates (mph)Urban interstates (mph)Other limited access roads (mph)Other roads (mph)
75707065
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Nebraska speed limits vary from place to place, just like every other state. School zones will have a different speed limit than highways, after all.

The Nebraska legislature has very specific rules about setting speed limits on highways, specifically to keep the speed limits from making dramatic changes in a short space to protect drivers on the highway.

Ridesharing

In 2015, Nebraska passed a law establishing permits and regulations for the ridesharing industry in the state.

The law established regulations for insurance, background checks, vehicle inspections, and more, so people who are driving for a rideshare company would benefit from taking the time to read the details of the law.

There are some insurance companies that are creating policies specifically for rideshare drivers, so it might be worth looking into your options if you are currently driving for a rideshare company.

Automation on the Road

When it comes to automation, Nebraska has been trying to stay ahead of the game. In 2017, the state introduced a bill, LB 627, that would have put laws and regulations in place regarding the creation and operation of automated vehicles. It also would have declared the driver of the car responsible for accidents and malfunctions.

Unfortunately, the law did not pass. This means Nebraska is still trying to sort out the legal side of vehicle automation, so anyone interested in possibly owning or driving an automated car will want to keep an eye on the Nebraska DMV website to stay up to date with the laws.

Safety Laws

Nebraska has laws in place to keep people safe while on the road. Whether someone is texting while driving or driving under the influence, they are putting the lives of other people in danger, so the state has laws in place to address and prevent these dangerous behaviors.

Remember that laws change over time, so just because something was legal 10 years ago (or five years ago, or even two years ago) doesn’t mean it is legal now.

On the other hand, things that were illegal just a few years ago might be legal today, so make sure to do your research when it comes to driving safety laws.

DUI Laws

BAC LimitHigh BAC LimitCriminal Status by OffenseFormal Name for OffenseLook Back Period/Washout Period1st Offense - ALS or Revocation1st Offense - Imprisonment1st Offense - Fine1st Offense - Other2nd Offense - DL Revocation2nd Offense - Imprisonment2nd Offense - Fine3rd Offense - DL Revocation3rd Offense - Imprisonment3rd Offense - Fine4th Offense - DL Revocation4th Offense - Imprisonment4th Offense - Fine4th Offense - OtherFifth OffenseMandatory Interlock
0.080.151st-3rd w/in 15 years class W misdemeanors, 4th w/in 15 years class IIIA felony, 5th+ w/in 15 years class III felonies, Injury related DUI class IIIA felony.Driving Under the Influence (DUI)15 years2 month minimum; may be served with IID upon court order. If given probation or suspended sentence: 60 day DL revocation7-60 days probation/suspended sentence: 10 days in jail or 240 hours community serviceno minimum, but up to $500SR-22 for three years18 months; 45 days before eligible for IID30-180 days; probation/suspended sentence: 10 days in jail or 240 hours community serviceno minimum, but up to $100015 years; probation/suspended sentence: 2-15 years, 45 days before elegible for IID90 days - 1 year; probation/suspended sentence: 30 daysno minimum, but up to $1,00015 years; probation/suspended sentence: 45 days before elegible for IID180 days-3 years; probation/suspended sentence: 90 days in jailup to $10,000; probation/suspended sentence: $200090 days CAM15 years DL revocation; 2-20 years; up to $25000; probation/suspended sentence: 180 days in jail; $2000, 45 days before elegible for IID, 180 days CAMall offenders
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In 2018, there were 66 alcohol-related fatalities in Nebraska. The state is serious about protecting drivers on the road, so they have stiff penalties for driving under the influence (as evidenced by the chart above.)

In Nebraska, you can be found guilty of DUI with a blood alcohol content (BAC) level of:

  • Under 21 – .02 or higher
  • Driving A Commercial Vehicle – .04 or higher
  • Anyone Else – .08 or higher

If you take a breathalyzer test and fail, your license will be suspended for 180 days. That doesn’t mean you should refuse the test, though — if you refuse a breathalyzer test your license will be suspended for up to one year.

It is possible for someone with a DUI and a suspended license to get partial driving privileges. They would need to apply for an ignition interlock device and have their application approved by the state. If you are interested in applying you can find information on the ignition interlock device page of the Nebraska DMV website.

Marijuana-Impaired Driving Laws

Nebraska doesn’t have any specific marijuana-related driving laws on the books, but that doesn’t mean there are no penalties for driving under the influence of marijuana.

Marijuana use is illegal in Nebraska, with no exceptions for medical or recreational use of any kind. Getting caught operating a vehicle while high all but guarantees you will run afoul of both state and federal laws regarding marijuana possession and use.

Distracted Driving Laws

Texting, eating, adjusting your GPS, and talking on the phone are just a few of the ways drivers allow themselves to be distracted behind the wheel.

According to the CDC, there are three types of distracted driving:

  • Visual – causing you to take your eyes off the road
  • Manual – causing you to take your hands off the wheel
  • Cognitive – causing you to take your mind off of driving

Texting is the worst form of distracted driving because it combines all three forms of distraction. Because of this, Nebraska is just one of many states with strict laws about phone use while driving.

There were 4,699 drivers involved in distracted driving crashes in 2017 in Nebraska, and 19 of those crashes ended with a fatality. Keeping your phone in your bag or glove box could save a life, perhaps even your own.

Driving Safely in Nebraska

Driving is one of — if not the — most dangerous thing most people do on a daily basis. Nationally, there are more than 30,000 car accidents a year, causing almost 25,000 fatalities and more than two million injuries.

It is important to protect yourself, your loved ones, and your property, and one of the best ways to help keep yourself safe is to be aware of the dangers that go along with getting behind the wheel — knowing the most dangerous roads, commuting times, and weather conditions can help you prepare for and possibly even prevent an accident or even an untimely death.

Vehicle Theft in Nebraska

RankMake/ModelYear of VehicleYearThefts
1Chevrolet Pickup (Full Size)19961996196
2Ford Pickup (Full Size)19991999168
3Honda Civic19971997165
4Honda Accord19961996157
5Dodge Pickup (Full Size)20012001102
6Jeep Cherokee/Grand Cherokee1999199970
7Chevrolet Impala2006200668
8GMC Pickup (Full Size)2015201561
9Toyota Camry2000200049
10Chevrolet Pickup (Small Size)1998199843
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While a stolen vehicle would be covered under the comprehensive portion of your insurance policy, the possibility of replacing the car doesn’t stop a victim from feeling scared and violated.

Vehicle theft isn’t just a worry for people with new or expensive automobiles — the most commonly stolen vehicles are often older family sedans or minivans.

While comprehensive coverage is often rejected in an attempt to keep your insurance costs low, keep in mind that a liability-only policy won’t protect you in case of car theft. If your car is one of the ones on the table of most commonly stolen vehicles above, you may want to think carefully about buying comprehensive coverage.

Road Fatalities in Nebraska

According to the NHTSA, there were 230 traffic fatalities in Nebraska in 2018. Of those, 66 were alcohol-related fatalities and 29 were speeding-related fatalities.

It isn’t just speeding and drinking that causes traffic accidents, however. Whether you were playing on your phone or surprised by a deer crossing the highway, a traffic accident can cause serious damage to you and your vehicle, tragically ending in death in some cases.

Most Fatal Highway in Nebraska

I80 is the only highway to connect one side of Nebraska to the other. It isn’t surprising, then, to discover that I80 is the most dangerous highway in Nebraska, with 179 fatalities in the last 10 years.

Given that I80 connects Iowa to Wyoming and goes across the entire state of Nebraska, it is understandable that this is the deadliest highway in the sate. It also goes through Omaha and Lincoln, which means there is a significant amount of local traffic on the highway in addition to interstate travel.

Fatal Crashes by Weather Condition & Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal109293891186
Rain222006
Snow/Sleet502007
Other212106
Unknown002035
TOTAL1183246104210
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Weather and light conditions can have a dramatic impact on the number of accidents, with slick road surfaces or dark, poorly lit roads increasing the odds that you’ll be in an accident.

Weather can even increase the severity of an accident, taking what otherwise would have been a minor incident and turning it into a situation where injuries or even fatalities occur.

Be cautious when driving in the dark or in inclement weather. Use your headlights, drive slowly, and leave yourself plenty of space to make sure you aren’t put in an unnecessarily dangerous situation.

Fatalities (All Crashes) by County

Fatalities by County20142015201620172018
Adams21537
Antelope25230
Arthur00000
Banner00000
Blaine01000
Boone11000
Box Butte21120
Boyd00100
Brown11101
Buffalo65967
Burt00231
Butler14122
Cass87136
Cedar34432
Chase30112
Cherry22362
Cheyenne23101
Clay45102
Colfax01424
Cuming40023
Custer43111
Dakota43600
Dawes03112
Dawson78975
Deuel00101
Dixon01000
Dodge77372
Douglas3453364344
Dundy00101
Fillmore10111
Franklin11001
Frontier10020
Furnas11000
Gage19304
Garden00001
Garfield00101
Gosper10001
Grant00010
Greeley00000
Hall655115
Hamilton11113
Harlan11111
Hayes00010
Hitchcock00220
Holt02021
Hooker00000
Howard20003
Jefferson20020
Johnson02210
Kearney10410
Keith22665
Keya Paha20000
Kimball13123
Knox10321
Lancaster2321151818
Lincoln831361
Logan00011
Loup00002
Madison141068
Mcpherson00000
Merrick31411
Morrill41012
Nance20000
Nemaha03302
Nuckolls01010
Otoe14023
Pawnee22000
Perkins01000
Phelps05341
Pierce63103
Platte33441
Polk20111
Red Willow10033
Richardson12121
Rock01101
Saline07101
Sarpy3971110
Saunders46553
Scotts Bluff54965
Seward1131113
Sheridan33233
Sherman11100
Sioux00100
Stanton51011
Thayer21121
Thomas00000
Thurston54360
Valley01100
Washington32040
Wayne30114
Webster01021
Wheeler00000
York124512
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Amazingly, multiple counties such as Wheeler, Thomas, Mcpherson, Hooker, and several others haven’t had a single traffic fatality since 2014.

Traffic Fatalities

Nebraska Traffic Fatalities (Rural vs Urban)2009201020112012201320142015201620172018
Rural185159138161170177173166159171
Urban38314351414873526959
Unknown0000000000
Total223190181212211225246218228230
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Since 2009, Nebraska has seen a reduction in rural traffic fatalities and an increase in urban traffic fatalities.

Fatalities by Person Type

Fatalities by Person Type20142015201620172018
Passenger Car7683807287
Light Truck - Pickup5753434437
Light Truck - Utility3643293034
Light Truck - Van13712197
Light Truck - Other10110
Large Truck7515612
Other/Unknown Occupants46566
Total Occupants194197185178183
Total Motorcyclists2025202723
Pedestrian919122024
Bicyclist and Other Cyclist24130
Total Nonoccupants1124132324
Other/Unknown Nonoccupants01000
Total225246218228230
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There has been a noticeable increase in the number of pedestrians killed in traffic accidents since 2014. Drivers need to watch their speed and be cautious about not driving while distracted.

Fatalities by Crash Type

Fatalities by Crash Type20142015201620172018
Total Fatalities225246218228230
Single Vehicle116120111130103
Involving a Large Truck5240584151
Involving Speeding4937363729
Involving a Rollover9483727860
Involving a Roadway Departure137143128126132
Involving an Intersection5872686168
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Nebraska has seen a significant reduction in rollover fatalities as well as speeding-related fatalities since 2014.

Five-Year Trend For the Top 10 Counties

5 Year Fatality Trend for Top 10 Counties20142015201620172018
Adams County21537
Buffalo County65967
Cass County87136
Dawson County78975
Douglas County3453364344
Lancaster County2321151818
Madison County141068
Sarpy County3971110
Seward County1131113
York County124512
All Other Counties10911498107100
Top Ten Counties116132120121130
All Counties225246218228230
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York Country has seen a significant increase in the number of fatalities, while Lancaster County has seen a minor decrease in the number of traffic-related fatalities.

Fatalities Involving Speeding by County

Speeding Fatalities by County20142015201620172018
Adams10101
Antelope00110
Arthur00000
Banner00000
Blaine00000
Boone00000
Box Butte00000
Boyd00000
Brown10000
Buffalo01010
Burt00010
Butler00000
Cass50001
Cedar10000
Chase30010
Cherry00000
Cheyenne00000
Clay12000
Colfax00000
Cuming20000
Custer10000
Dakota10000
Dawes00002
Dawson10111
Deuel00001
Dixon00000
Dodge12010
Douglas618994
Dundy00000
Fillmore00000
Franklin00000
Frontier00000
Furnas00000
Gage10000
Garden00000
Garfield00100
Gosper00000
Grant00000
Greeley00000
Hall10130
Hamilton00000
Harlan00000
Hayes00000
Hitchcock00000
Holt00020
Hooker00000
Howard10000
Jefferson00000
Johnson02000
Kearney00200
Keith11000
Keya Paha00000
Kimball00000
Knox00101
Lancaster73513
Lincoln30430
Logan00000
Loup00000
Madison02020
Mcpherson00000
Merrick00000
Morrill00000
Nance00000
Nemaha00000
Nuckolls00000
Otoe00000
Pawnee00000
Perkins00000
Phelps00000
Pierce30000
Platte10100
Polk00000
Red Willow00001
Richardson00000
Rock01000
Saline01100
Sarpy01243
Saunders11010
Scotts Bluff00312
Seward50002
Sheridan01120
Sherman01000
Sioux00100
Stanton00001
Thayer00010
Thomas00000
Thurston10000
Valley00000
Washington00010
Wayne00002
Webster00000
Wheeler00000
York00114
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In 2018, every county in Nebraska saw fewer than five speeding-related fatalities on the road.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Alcohol Related Fatalities by County20142015201620172018
Adams00012
Antelope01000
Arthur00000
Banner00000
Blaine00000
Boone00000
Box Butte10000
Boyd00000
Brown00100
Buffalo20022
Burt00010
Butler02010
Cass43010
Cedar00010
Chase00011
Cherry00110
Cheyenne01000
Clay02100
Colfax00210
Cuming00000
Custer10000
Dakota01000
Dawes00112
Dawson20215
Deuel00000
Dixon00000
Dodge23021
Douglas1217231920
Dundy00100
Fillmore00000
Franklin10000
Frontier00000
Furnas10000
Gage10102
Garden00000
Garfield00100
Gosper00000
Grant00000
Greeley00000
Hall11211
Hamilton10001
Harlan10011
Hayes00000
Hitchcock00010
Holt00000
Hooker00000
Howard00002
Jefferson00010
Johnson00100
Kearney00100
Keith11001
Keya Paha20000
Kimball00000
Knox10311
Lancaster85545
Lincoln30220
Logan00000
Loup00000
Madison03111
Mcpherson00000
Merrick10000
Morrill10010
Nance10000
Nemaha01101
Nuckolls00000
Otoe00002
Pawnee00000
Perkins00000
Phelps03230
Pierce00000
Platte02110
Polk00000
Red Willow10021
Richardson01001
Rock00000
Saline01001
Sarpy22151
Saunders23001
Scotts Bluff21311
Seward01012
Sheridan21130
Sherman11000
Sioux00000
Stanton10000
Thayer01010
Thomas00000
Thurston23120
Valley00000
Washington00000
Wayne10111
Webster00001
Wheeler00000
York00123
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While most counties have zero alcohol-related fatalities, Douglas County has been off the charts for years, with anywhere from 12 – 23 alcohol-related fatalities each year. This isn’t surprising, though, as Douglas County is home to a quarter of all the residents in the state.

Teen Drinking & Driving

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleDUI Arrests (18 years old and older)DUI Arrests (18 years old and older) Total Per Million PeopleTotal DUI ArrestsTotal DUI Arrests Per Million PeopleDUI Arrests as a % of Total Arrests% of POP.Total Arrests2016 Estimated Population (Under 18)2016 Estimated Population (18 years old and older)2016 estimated populationFor every 1 minor arrested for a DUI, # of adults
109230.296,9484,845.897,0573,700.3515.39%0.37%45,859473,3251,433,7911,907,11664
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While there were 109 DUI arrests for kids under 18, that is only a small fraction of the total DUI arrests in the state. For every person under 18 who was arrested for DUI, 64 adults were arrested for DUI.

EMS Response Time

Average Time of Crash to EMS NotificationPercent Unknown - Time of Crash to EMS NotificationAverage Time Between Notification and EMS ArrivalPercent Unknown - Time Between Notification and ArrivalAverage Time Between Arrival at Scene and Arrival at HospitalPercent Unknown - Time Between Arrival at Scene and Arrival at HospitalAverage Time of Crash to Hospital ArrivalPercent Unknown - Time of Crash to Hospital ArrivalTotal Fatal Crashes
6.3855.411.2246.630.354.749.862.2148
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The numbers in the above chart represent rural response times as provided by the US Department of Transportation. Urban numbers are much different. For example, the time between when a crash occurs and when emergency services are called in a rural setting is more than six minutes. In an urban setting, that time drops to one minute and 84 seconds.

In a rural setting, the time between the call to 911 and the arrival of emergency services is just over 11 minutes. In an urban setting, that number drops to just over four minutes. In a rural area, the time between EMS arrival and arrival to the hospital is 30 minutes, whereas it is only 22 minutes in an urban area.

Crashes and accidents may be more likely in an urban area, but the emergency response time is also much faster in an urban area as well.

Transportation in Nebraska

Like most other states, Nebraska has a wide variety of transportation options. People can own their own cars, but they can also take buses, trains, and other forms of public transportation to get where they need to go.

Nebraska, however, does have one unique public transportation option that isn’t necessarily available in other places — a vanpool. A vanpool is where a group of up to seven commuters agree to commute together and are provided a luxury van allowing them to do so, along with a $400 credit toward commuting costs.

Using the vanpool does have a monthly fee, but the state works to keep the cost low because of the benefit of taking up to six cars off the road during rush hour. This reduces commute times, accidents, pollution/exhaust, and many other negative points of people commuting in their own cars each day.

Car Ownership

The average household in Nebraska has two vehicles, with 419 thousand households having two vehicles in 2017. This is far more than the 226 thousand households who have three cars and the 166 thousand households that have only one vehicle.

There are 109 thousand households that have four cars and 45 thousand households with five or more, but the number of households that don’t have a vehicle at all is only 19 thousand, which means there are more than twice as many households with five or more cars than households with no car at all.

Commute Time

The average commute time in Nebraska is 17.6 minutes, which comes in under the national average of 25.5 minutes.

Just under 1 percent of commuters in Nebraska have what is referred to as a “super commute,” which means they are driving 90 minutes or more each way. At the other end of the spectrum, just over 6.5 percent of commuters in Nebraska have a commute of fewer than five minutes each way.

Commuter Transportation

In 2017, a whopping 81.7 percent of people in Nebraska commuted to work alone, which means the vast majority of cars on the road during rush hour only have one person in them.

Another 9.08 percent of commuters in Nebraska carpooled to work, while a lucky 4.7 percent of people work at home, which means their commute is completely virtual. Less than 1 percent of people in the state use public transportation to get to and from work.

Traffic Congestion

CITY2018 IMPACT RANK (2017)HOURS LOST IN CONGESTIONYEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Omaha212 (208)35 (215)-3%$494321
Lincoln206 (207)48 (201)-9%$664319
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According to the Inrix Global Traffic Scorecard, traffic congestion has reduced slightly in both Omaha and Lincoln.

Keep in mind that traffic congestion contributes to your commute time, as well as the number of accidents on the road, both of which can increase your insurance premiums.

Small changes, such as leaving for work a little earlier or later, can be an easy way to reduce the time you spend in traffic. You can also make bigger changes, like taking public transit to work or arranging to work from home for part of the week, to further reduce the time spent on the road. This can help keep your premiums low.

Did we miss any important information in this guide? More importantly, is there cheaper car insurance available to you in Nebraska? Enter your zip code now to find out.

References:
  1. https://datausa.io/profile/geo/nebraska/
  2. https://www.nolo.com/legal-encyclopedia/nebraska-car-insurance-requirements.html
  3. https://drivinglaws.aaa.com/tag/liability-laws/
  4. https://www.hauptman-obrien.net/blog/nebraska-um-uim-insurance-requirements/
  5. https://dmv.nebraska.gov/fr/proof-financial-responsibility
  6. https://www.naic.org/prod_serv/AUT-PB-15.pdf
  7. https://consumer.findlaw.com/insurance/umbrella-insurance-policies.html
  8. https://thehowelllawfirm.com/rental-reimbursement-coverage-basics/
  9. http://www.ambest.com/home/default.aspx
  10. https://www.naic.org/documents/consumer_alert_insurance_claim_complaints.htm
  11. https://ago.nebraska.gov/contact-us
  12. https://dmv.nebraska.gov/legal/reprieve-fifteen-year-license-revocation
  13. https://dmv.nebraska.gov/
  14. https://www.carwindshields.info/states
  15. https://www.aipso.com/Plan-Sites/Nebraska
  16. https://dmv.nebraska.gov/fr/sr-22-revocationssuspensions
  17. https://www.iii.org/article/background-on-insurance-fraud
  18. https://nebraskalegislature.gov/laws/statutes.php?statute=44-6604
  19. https://nebraskalegislature.gov/laws/statutes.php?statute=25-207
  20. https://statelaws.findlaw.com/nebraska-law/nebraska-statutes-of-limitations.html
  21. https://nebraskalegislature.gov/laws/statutes.php?statute=28-710
  22. https://www.dhs.gov/real-id-public-faqs
  23. http://nebraskalegislature.gov/laws/statutes.php?statute=60-505.02
  24. https://dmv.nebraska.gov/dl/renewals
  25. https://drivinglaws.aaa.com/tag/drivers-license-renewal/
  26. https://dmv.nebraska.gov/fr/nebraska-point-system
  27. https://www.mgmillerlaw.com/car-accident-lawyer-answers-is-nebraska-a-no-fault-insurance-state/
  28. https://dot.nebraska.gov/safety/driving/cps/
  29. https://dot.nebraska.gov/safety/driving/occupant-seatbelt/
  30. https://www.mwl-law.com/wp-content/uploads/2018/05/SLOWER-TRAFFIC-KEEP-RIGHT.pdf
  31. https://nebraskalegislature.gov/laws/statutes.php?statute=60-6,378
  32. https://nebraskalegislature.gov/laws/statutes.php?statute=60-6,190
  33. https://nebraskalegislature.gov/bills/view_bill.php?DocumentID=24835
  34. https://therideshareguy.com/nebraska-rideshare-insurance/
  35. https://nebraskalegislature.gov/pdf/reports/research/autonomous_vehicles_2017.pdf
  36. https://dmv.nebraska.gov/services
  37. https://dmv.nebraska.gov/fr/ignition-interlock-permit
  38. https://www.responsibility.org/alcohol-statistics/state-map/state/california/issue/marijuana-drug-impaired-driving-laws/
  39. https://sopinskilaw.com/nebraska-marijuana-laws-your-guide-to-charges-and-penalties/
  40. https://www.cdc.gov/motorvehiclesafety/distracted_driving/index.html
  41. https://dot.nebraska.gov/safety/driving/distracted/
  42. https://cdan.nhtsa.gov/tsftables/tsfar.htm#
  43. https://cdan.nhtsa.gov/STSI.htm#
  44. https://www.geotab.com/the-most-dangerous-highways-in-america/
  45. https://cdan.nhtsa.gov/SASStoredProcess/guest
  46. https://www.nebraskatransit.com/
  47. https://nebraskatransit.com/index.php/vanpool/
  48. https://datausa.io/profile/geo/nebraska/#category_transportation
  49. http://inrix.com/scorecard/?

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