MoneyGeek’s auto insurance calculator can get you a quick ballpark figure of how much your car insurance costs will be in Nebraska. We also analyzed how car insurance companies determine auto insurance premiums in Nebraska so you can understand what factors influence your cost.
Nebraska Car Insurance Calculator: Estimate Your Car Insurance Costs
Updated: October 29, 2024
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Nov 20, 2024
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Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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Nebraska Car Insurance Calculator: How it Gets You an Instant, Free Estimate
In Nebraska, getting a car insurance quote from an insurer takes around 10 to 15 minutes since you need to provide various pieces of personal information. Using MoneyGeek’s Nebraska car insurance calculator, you can instantly get an estimate of the cost based on factors like your age, driving record, vehicle type and coverage levels.
According to our calculator, the biggest factors that influence your car insurance premiums are adding a teen driver to your policy, your age and the coverage level you select. However, other factors can also have an impact on your rates, depending on your combination of characteristics.
Although the cheapest company in Nebraska for you depends on certain factors, our calculator can offer a close estimate. Our default 40-year-old driver pays $307 for car insurance with GEICO, the cheapest widely-available company in the state.
Price isn’t everything, even when it comes to car insurance. You may wish to consider a company that has great service and the coverages that suit you best.
FACTORS TO CONSIDER WHEN GETTING A CAR INSURANCE ESTIMATE IN NEBRASKA
You can use our car insurance calculator or browse our list of sample drivers to help you find the cheapest car insurance in Nebraska.
MoneyGeek examined the average cost of car insurance in Nebraska so you can see how premiums you pay compare nationwide.
We also ranked the best car insurance companies in Nebraska, scoring them on a balance of affordability and customer service.
How Car Insurance Premiums are Calculated in Nebraska
Auto insurance companies in Nebraska include numerous factors when calculating your auto insurance rates. These include your age, gender, driving record and more.
However, our research shows that the most important factors are adding a teen driver to your family policy, your age and the coverage level you choose. In Nebraska, the driver’s age can increase your car insurance rates by 2.3x.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in Nebraska
In Nebraska, adding a teen driver to your policy can increase your car insurance premiums. Insurance companies consider young drivers to be high risk because they’re inexperienced and more likely to get into car accidents.
Adding a student driver to your family policy can multiply your auto insurance rates by 3.4x.
How Much Age of Driver Matters in Calculating Car Insurance in Nebraska
Auto insurance companies usually charge higher rates to young drivers when calculating car insurance. You might pay up to 2.3x more depending on your age.
The cheapest car insurance in Nebraska is for a 40-year-old driver, while 19 to 20-year-olds tend to pay the most expensive premiums in the state.
How Much Coverage Levels Matters in Calculating Car Insurance in Nebraska
The amount of coverage you choose will affect the cost of your auto insurance rates too. More protection means higher costs.
The most affordable coverage is the state minimum liability-only. The most expensive policy is full coverage with a $500 deductible and 100/300/100 liability. In Nebraska, full coverage costs 2x more than the state minimum.
How Much Credit Score Matters in Calculating Car Insurance in Nebraska
In Nebraska, it’s important to maintain an excellent credit score so you can get affordable auto insurance rates. You're more likely to get cheaper rates if you have a clean driving record and a high credit score.
Drivers with poor credit may pay up to 2.2x more in car insurance premiums than drivers with excellent credit.
How Much Car Model Matters in Calculating Car Insurance in Nebraska
The model of the car that you drive can influence the cost of your auto insurance. Luxury cars tend to be more expensive to repair, while other models are more prone to theft and damage. These factors can cause your premiums to increase.
The most expensive model to insure is a luxury sports car, while an SUV is the cheapest. Drivers with high-value cars may pay up to 2x more for insurance.
How to Calculate How Much Car Insurance You Need in Nebraska
The level of coverage you choose is one of the most significant factors that influence the cost of your car insurance in Nebraska. It may help to calculate how much coverage you need so you can find a good balance between cost and protection.
In Nebraska, drivers are required to have certain levels of bodily injury liability, property damage liability and insurance for uninsured/underinsured motorists. It’s important to consider purchasing additional comprehensive and collision coverage depending on your situation.
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Understand Nebraska car insurance requirements
If you need help figuring out how much insurance you need, browse Nebraska’s minimum car insurance requirements. Under the state’s insurance policy, you’re only covered for $25,000 bodily injury liability per person and $50,000 in bodily injury liability.
To ensure more protection, you may want to increase liability limits. Nebraska also doesn’t require drivers to buy comprehensive and collision insurance, which helps protect you against damage to your vehicle.
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Consider Purchasing Additional Liability Insurance
To protect against costs that come with major accidents, some drivers may need to add liability insurance on top of the state minimum policy, even if it offers basic protection.
A policy in Nebraska protecting you for $300,000 in bodily injury liability per accident costs an average of $491 per year, compared to $409 for the minimum liability insurance.
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Decide whether or not to buy comprehensive and collision insurance
You should decide whether you need full coverage, even if it isn’t required in Nebraska. Note that lenders usually require full coverage when you’re leasing your car or financing its purchase.
In Nebraska, it costs an average of $324 per year to add comprehensive and collision coverage (with a $1,000 deductible) to your policy. If your car’s replacement value is very low, you may wish to waive this add-on instead of paying hundreds of dollars a year extra.
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Consider buying additional protection besides these core coverages
Uninsured/underinsured motorist coverage is required in Nebraska. It helps protect you if you’re in an accident with a driver who has little or no insurance. With some 9.3% of Nebraska motorists uninsured, that’s good protection to have.
Nebraska doesn’t require drivers to have personal injury protection. Instead, auto insurance companies offer medical payments coverage to protect against medical expenses due to an auto crash.
Frequently Asked Questions About How Car Insurance is Calculated in Nebraska
MoneyGeek answers some of the most commonly asked questions about how car insurance is calculated in Nebraska.
How can I estimate how much my car insurance costs in Nebraska?
MoneyGeek has a car insurance calculator for Nebraska you can use to get an instant estimate. It’s based on your age, driving record, credit score and type of car you drive.
What are the most important factors companies use to calculate auto insurance costs in Nebraska?
Auto insurance companies consider several factors when calculating your auto insurance premium. The most significant in Nebraska are adding a teen driver to your policy, your age and the coverage level you select.
How do I calculate how much car insurance I need?
Start with the insurance required by law in Nebraska: coverage for bodily injury, property damage and uninsured/underinsured motorists. Depending on your unique situation, you may then want to consider more protection with full coverage.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Nebraska. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.