Nebraska drivers pay an average monthly rate of $128 for full coverage car insurance, slightly lower than the national average of $138. On the other end, drivers in Nebraska pay $28 monthly for the state-required minimum liability car insurance, again lower than the national average of $40.
Many factors help determine your rate, including your age, gender, zip code of residence, coverage level, and the make and model of the vehicle you drive.
In short, having a problematic driving and claims history, combined with other factors, may make your premiums higher.
What Is the Average Premium in Nebraska for Full Coverage Car Insurance?
Nebraska full coverage car insurance cost an average of $1,530 a year, which is below the national average of $1,650.
Although $1,530 for full coverage is significantly higher than the average of $340 for the minimum required liability car insurance, it will provide considerably more protection in the event of an accident. Even a somewhat minor fender bender on a luxury vehicle could eclipse Nebraska’s $25,000 minimum property damage limit, resulting in high out-of-pocket costs and plenty of headaches.
The difference between a minimum and full-coverage plan, which is anywhere from $50 to $100 per month, could be worth your peace of mind.
How Much Is It for Just the Minimum Required Car Insurance in Nebraska?
Nebraska drivers with the state-required minimum car insurance in Nebraska should expect to pay an average of $340 per year. Keep in mind that this rate is subject to change based on your age, gender, driving history, zip code, and claims history.
Since Nebraska is an at-fault state, the insurance company of the at-fault driver in a car wreck will pay for injuries and damage up to the policy limit of the other people involved in the accident. If you are that at-fault driver, your insurance company will not pay anything for your injuries and damages with the minimum liability coverage. If the bills of the other driver(s) are higher than your coverage limits, you’ll be left paying for that additional out of pocket, plus your own costs.
This is why many people choose to upgrade their liability coverage, as well as purchase more coverage in the form of collision car insurance and comprehensive car insurance.
How Do Rates Compare Across Major Cities in Nebraska?
In Nebraska, rates change from city to city. Car insurance companies look at a variety of factors when determining your car insurance premium, including where you live. Residents of cities that have a higher density of drivers, leading to more accidents, and a high number of crime and vandalism statistics will most likely see higher premiums than their neighbors in rural areas.
See our breakdown below for the monthly average rate drivers in five cities in Nebraska pay.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.