The Ultimate Nebraska Car Insurance Guide (Costs + Coverage)

Nebraska Statistics SummaryDetails
Road Miles:94,481
Vehicles Registered:1,925,361
State Population:1,929,268
Most Popular Vehicle:Ford F-150
% Uninsured / Underinsured:6.80%
Total Driving Related Deaths:228
Speeding:37
DUI:82
Average Annual Premiums:Liability Average Premium: $349.07

Collision Average Premium: $223.50

Comprehensive Average Premium: $206.24
Liability Average Premium:$349.07
Collision Average Premium:$223.50
Comprehensive Average Premium:$206.24
Full Coverage:$778.81
Cheapest Providers (2):USAA
State Farm

Nebraska is a lovely, humble place with many activities, ranging from horseback riding and scenic byways to fun, local bars and the best tailgating parties. You can really feel the state pride when attending a Cornhusker college football game.

For locals or visitors looking for a more unique, offbeat experience, there’s floating down a gentle river in a livestock tank or visiting the “moon-scape,” also known as Toadstool Geological Park.

It’s possible to drive from one side of the state to the other on Interstate 80, but it’ll be a long drive crossing two different time zones.

Let’s say you want to tread this journey from one side of Nebraska to the other, or you simply want to take a ride on some of the scenic routes. Before getting to the fun part, you’ll first have to find yourself the required auto insurance to drive in Nebraska.

We understand that researching insurance can be difficult. That’s why we’ve compiled everything you need to know here. Look no further for Nebraska’s car insurance laws, companies, rates, facts, and so much more.

Let’s start your Nebraska adventure. If you live in Omaha, Lincoln, Bellevue, Grand Island, or Kearney, you can receive up to ten rate quotes from major providers in your community with AutoInsuranceEZ.com. Rates fluctuate by insurer and you should compare rates carefully before you purchase a policy. We’ll help you buy the coverage to meet your needs.

Use our simple rate comparison tool below to find the best price on a Nebraska auto insurance policy today.

Table of Contents

Nebraska Car Insurance Coverage & Rates

Whether you’re looking to drive the busier streets of Omaha and Lincoln or the wide-open dusty trails of more rural Nebraska, it is important to find the right coverage at the lowest price.

Fortunately for you, in comparison to the $1,311-average car insurance cost per year nationwide, Nebraska is pretty low at $1,086. Below, you will find Nebraska’s average expenditures for auto insurance compared to the national average by coverage type as outlined by the Insurance Information Institute:

Coverage TypeRequired Limits
Liability$381.80
Collision$248.74
Comprehensive$234.45

Even with Nebraska’s auto insurance rates on the lower end when compared nationwide, that doesn’t make it any less important to find the best deals.

There are so many factors that determine the cost of auto insurance policies, including your type of car, driving record, coverage choice, etc. It’s no wonder trying to get the best rates can be such a difficult task.

To help, we’ll lay out everything you need to know from Nebraska’s minimum coverage to how to find the best rates for your auto insurance needs.

– Nebraska’s Car Culture

Nebraska’s car culture can be described as practical, functional, and big. Although a humble state, where many people will drive just about anything that gets them from point A to point B, popular cars in Nebraska include heavy-duty trucks and SUVs such as the Ford F-150 and the Chevy Suburban SUV.

These types of cars make sense for bringing lots of extra food and supplies, as well as driving through unpaved routes.

As we’ve mentioned, Nebraska consists of vast, beautiful, rural plains, which mean increased risk for automobile-related deaths. In fact, a whopping 70 percent of Nebraska’s motor vehicle deaths were in rural areas.

Because of the possibility of long rural roads between main highways, it is important for Nebraskans to be prepared with extra gas, food, paper maps, and of course, the right car insurance.

– Nebraska Minimum Coverage

When driving in Nebraska, here is the minimum coverage you’ll need, according to the Automobile Financial Responsibility Laws By State chart from the Insurance Information Institute:

Coverage TypeRequired Limits
Liability$381.80
Collision$248.74
Comprehensive$234.45

According to NOLO.com, all motor vehicles registered to the state of Nebraska must carry “proof of financial responsibility” that covers the minimums above.

For the state of Nebraska, which shows up on Allstate’s list of 48 states that permit drivers to use an electronic copy of their insurance card during a traffic stop, digital proof of insurance will be accepted. The minimum liability coverage will also cover family members and other drivers who have permission to drive the vehicle.

These liability rates are the bare minimum to make sure that your driver’s license does not get immediately suspended in the case that you receive a citation for “No Proof of Insurance.” AAA’s Digest of Motor Laws states that violators could also be charged with a Class II misdemeanor.

Although these minimums will keep you from a suspended license or misdemeanor charge, they are not the rates that will ensure you do not have to pay anything if you are hurt or if your vehicle is damaged. Remember to find the cheapest rates that fit your financial situation.

– Forms of Financial Responsibility

There are several options for Proof of Financial Responsibility that cover the minimums discussed previously, with the most common option being auto insurance.

One of these other options is a Bond of Surety Company duly authorized to transact business within the State of Nebraska or a bond with at least two individual sureties who each own real estate within the State of Nebraska.

Another is a Cash Bond furnished by a certified check, bank draft, or money order. When choosing either of these bond options, the value must be at least $75,000.

The last option is a certificate of self-insurance.

– Premiums as a Percentage of Income

Over a span of three years, Nebraska’s disposable income rose and fell as insurance costs rose steadily. Nebraska is the ninth-lowest state when comparing insurance as a percent of income. From 2012 – 2014, Nebraska’s average was 1.85 percent. This is 0.51 percent lower than the national average of 2.36 percent.

Compared to the states surrounding Nebraska — Wyoming, South Dakota, Iowa, Kansas, and Colorado — Nebraska falls right in the middle, with its average insurance as a percent of income only 0.01 percent more than its surrounding states’ average.

Individually, these states’ averages range from 1.70 percent (Wyoming) to 2.15 percent (Colorado). The graph below shows the averages for all the surrounding states.

To find and compare your own insurance as a percent of income, use the calculator below.

CalculatorPro

– Core Coverage

The core group of auto insurance coverage in Nebraska includes liability, collision, and comprehensive. Combined, these form the full coverage policy. The table below shows NAIC data for the average annual cost of each of these forms of coverage based on Nebraska’s state minimum.

Coverage TypeAverage Annual Cost in Nebraska (2015) National Average (2015)National Average (2015)
Liability$364.64$349.07
Collision$237.13$223.50
Comprehensive$229.25$206.24
Combined$831.02$778.81

Nebraska’s averages sit slightly higher than the national average for all forms of coverage and combined coverage.

Nebraska Core Coverage Rates Vs. National Average

– Additional Liability

In addition to the minimum coverage required by the state of Nebraska, there are some add-on options you can choose from to increase coverage. These include Medical Payments and uninsured/underinsured motorist coverage.

With Medical Payment (MedPay) and Personal Injury Protection (PIP) coverage, you can make injury claims against your own insurance company no matter who is at fault for the accident. PIP is for no-fault states, and since Nebraska is an at-fault insurance state, it does not have the PIP option available, only MedPay.

With uninsured/underinsured motorist coverage (UM/UIM), you can make injury claims against your insurance company if you are in an accident caused by a driver with no auto insurance. Although the state of Nebraska is pretty good with auto insurance, ranking 46th on the percent uninsured list at 6.80 percent, it may still be important for you to consider UM/UIM options if you are looking to be completely protected.

So, what factors help you decide if an insurance company is giving you a good rate on additional coverage? One way is to compare the company’s loss ratios or the ratio of losses to gains.

In the situation of car insurance, the loss ratio is the amount auto insurance companies pay out in claims to the amounts the insurance companies take in as premiums. The Nebraska loss ratios for the above mentioned additional liability coverages, provided by the NAIC (National Association of Insurance Commissioners) are listed in the table below.

Coverage TypeLoss Ratio 2013Loss Ratio 2014Loss Ratio 2015Average Loss Ratio
MedPay83.31%79.86%81.53%81.57%
UM/UIM75.55%77.22%70.45%74.41%

Nationwide, the average loss ratio from 2013 – 2015 for MedPay was 75.72 percent, 5.85 percent lower than Nebraska’s average, and for UM/UIM it was 72.48 percent, 1.93 percent lower than Nebraska’s average. This shows that Nebraska’s payouts for claims are above average — a good sign.

When comparing loss ratios for additional liability, it is important to find a happy medium. A low loss ratio signifies you may not be getting paid out as much as you should while a high loss ratio means the company may be overpaying and therefore financially unstable or at risk.

– Add-Ons, Endorsements, & Riders

Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
Rental Reimbursement
Emergency Roadside Assistance
Mechanical Breakdown Insurance
Non-Owner Car Insurance
• Modified Car Insurance Coverage
Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

The last option on the list, Pay-As-You-Drive or Usage-Based Insurance, is an option worth exploring in which the insurance company will monitor your driving and offer discounts based on your good habits.

– Male vs. Female Rates

Nebraska bases insurance rates on many factors, including age and gender. The data in the table below, based on actual-purchased coverage by Nebraska’s population (including high-risk drivers and those who purchased more than the minimum coverage), displays several insurance companies’ rates for different genders, ages, and marital statuses.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
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$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$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$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$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

The average rate of all these rates combined shows that males will typically pay a slightly higher premium than females over the course of their lives, with the male average at $3,566.87 and the female average at $3,232.85.

In both male and female cases, the average premium rates drop significantly when a single, 17-year old driver ages into a single, 25-year old driver (average 62.37 percent drop) and continue to drop, but at a lesser rate, when aging from 25 – 60 (average 10.5 percent drop). The table below shows the percent changes as drivers age, separated by females and males.

It seems as though gender does not matter too much to insurance buyers in Nebraska. According to the United States Census Bureau, the male-to-female ratio is almost exactly half and half, with 24.7 percent of the population being under 18. Of this 24.7 percent, those who drive can look forward to a nice, big drop in insurance rates as they age to 25.

– Cheapest Rates by Zip Code

Nebraska’s 527 cities have a total of 586 zip codes. The top 14 zip codes with the most expensive premiums on average are all in Omaha city. In Nebraska, Safeco Ins Co of IL averages the highest rates, while American Family Mutual averages the lowest.

Whether you live in one of the biggest cities of Lincoln or Omaha, which makes up nearly 10 percent of all the zip codes in Nebraska, or a smaller town, you can use our tool to ensure you find the best rates for your situation.

– Cheapest Rates by City

As mentioned, Lincoln and Omaha are, by far, the largest cities in Nebraska. But there are many other cities. How do their rates compare?

In the table below, you can see average auto rate premiums for all Nebraska states, from the most expensive city of Omaha to the least expensive city of Bradshaw.

CityAverage Rates
OMAHA$125,512.95
LINCOLN$71,741.67
BELLEVUE$10,356.48
KEARNEY$9,652.55
PAPILLION$6,783.16
GRAND ISLAND$6,309.51
MELBETA$3,886.61
WHITECLAY$3,861.11
MCGREW$3,848.93
MANLEY$3,751.17
PANAMA$3,741.84
SNYDER$3,733.70
CEDAR CREEK$3,731.42
WINSLOW$3,727.61
UEHLING$3,727.61
SPRAGUE$3,710.24
CRAWFORD$3,669.26
HAY SPRINGS$3,660.98
HADAR$3,658.56
DUNCAN$3,658.08
CHADRON$3,649.58
MARSLAND$3,648.03
ASHBY$3,646.36
HARRISBURG$3,646.03
MINATARE$3,637.69
GOEHNER$3,637.63
ST COLUMBANS$3,637.46
LAKESIDE$3,632.14
NENZEL$3,627.29
SPARKS$3,618.04
POTTER$3,611.78
VALENTINE$3,601.43
SCOTTSBLUFF$3,600.72
BRIDGEPORT$3,596.68
GERING$3,594.04
BUSHNELL$3,592.32
HYANNIS$3,589.72
HEMINGFORD$3,587.60
HARRISON$3,585.85
STOCKVILLE$3,580.37
MERRIMAN$3,578.96
WHITNEY$3,578.65
KEYSTONE$3,578.40
MOOREFIELD$3,578.30
CURTIS$3,578.28
PALISADE$3,576.84
PAXTON$3,575.50
BINGHAM$3,575.40
LYMAN$3,574.84
BROADWATER$3,573.13
MITCHELL$3,571.69
CROOKSTON$3,568.91
DIX$3,568.68
DICKENS$3,567.93
CODY$3,566.70
MULLEN$3,566.13
ELLSWORTH$3,565.40
HAYES CENTER$3,563.74
GORDON$3,560.10
WHITMAN$3,559.15
KIMBALL$3,557.60
BIG SPRINGS$3,556.65
WOOD LAKE$3,555.89
HAZARD$3,554.79
LODGEPOLE$3,554.30
MORRILL$3,551.00
IMPERIAL$3,548.07
LEMOYNE$3,547.88
BASSETT$3,542.88
WAUNETA$3,542.79
BAYARD$3,540.04
KILGORE$3,538.46
OGALLALA$3,536.05
RUSHVILLE$3,531.82
SIDNEY$3,528.30
ROCKVILLE$3,526.77
BENKELMAN$3,526.34
SOUTH SIOUX CITY$3,526.07
MC COOK$3,523.90
OCONTO$3,523.60
NORTH LOUP$3,523.43
BURWELL$3,522.62
MAX$3,521.27
CHAPPELL$3,521.12
ANGORA$3,520.22
LISCO$3,519.30
LEBANON$3,517.54
FORT CALHOUN$3,514.82
CULBERTSON$3,514.77
TAYLOR$3,514.30
BARTLEY$3,513.89
THEDFORD$3,512.44
HERSHEY$3,512.08
PURDUM$3,511.84
DUNNING$3,510.05
HAIGLER$3,509.77
DAKOTA CITY$3,505.97
ALLIANCE$3,505.59
COMSTOCK$3,505.30
LITCHFIELD$3,505.13
INDIANOLA$3,504.56
BRULE$3,502.50
OSHKOSH$3,501.70
FARNAM$3,501.10
STRATTON$3,500.67
BARTLETT$3,500.42
DANBURY$3,499.69
ELSMERE$3,499.49
SARGENT$3,499.29
HALLAM$3,499.22
LONG PINE$3,498.18
JOHNSTOWN$3,497.17
SUTHERLAND$3,497.04
VENANGO$3,496.18
LOUP CITY$3,495.81
EUSTIS$3,494.08
DALTON$3,492.87
MAYWOOD$3,492.48
CHAMPION$3,491.29
CALLAWAY$3,490.66
GURLEY$3,490.44
ANSELMO$3,489.79
MASON CITY$3,488.95
HALSEY$3,487.61
TRENTON$3,485.86
AINSWORTH$3,485.41
MILLS$3,484.68
ARTHUR$3,481.45
KENNARD$3,480.62
LEXINGTON$3,480.27
ENDERS$3,480.21
WAVERLY$3,480.04
SPRINGVIEW$3,478.85
HICKMAN$3,476.79
WALLACE$3,475.12
LEWELLEN$3,473.81
NEWPORT$3,472.29
BENNINGTON$3,472.22
GRETNA$3,472.13
VALLEY$3,471.04
ELKHORN$3,467.54
ORD$3,465.18
MACY$3,464.25
PARKS$3,463.65
BREWSTER$3,463.32
TRYON$3,462.01
ELYRIA$3,461.47
FIRTH$3,460.48
ASHTON$3,460.00
BLAIR$3,455.11
EDDYVILLE$3,455.00
SENECA$3,454.28
HERMAN$3,452.67
ASHLAND$3,451.49
SPENCER$3,449.32
EWING$3,448.59
BROKEN BOW$3,447.37
BRADY$3,446.54
BOYS TOWN$3,445.36
STUART$3,443.00
GREENWOOD$3,438.20
DOUGLAS$3,437.98
ARNOLD$3,437.10
ANSLEY$3,436.22
DENTON$3,433.16
ARCADIA$3,432.55
MARTELL$3,432.26
BUTTE$3,430.15
ITHACA$3,429.27
MAXWELL$3,429.19
RAYMOND$3,428.38
WEEPING WATER$3,426.44
ELMWOOD$3,425.33
DECATUR$3,421.86
MURDOCK$3,420.70
WASHINGTON$3,419.69
OFFUTT A F B$3,418.60
NORTH PLATTE$3,417.09
MERNA$3,416.94
WILLOW ISLAND$3,415.89
PRAGUE$3,415.62
WAHOO$3,414.70
INMAN$3,413.92
WELLFLEET$3,413.59
SPRINGFIELD$3,413.21
WINNEBAGO$3,412.57
HOMER$3,411.34
CERESCO$3,410.56
STAPLETON$3,410.54
ROCA$3,407.94
ATKINSON$3,407.19
WATERLOO$3,407.04
WESTERVILLE$3,406.84
NEHAWKA$3,406.59
ARLINGTON$3,404.42
ELSIE$3,403.02
MURRAY$3,402.30
LA VISTA$3,400.37
GOTHENBURG$3,399.92
MADRID$3,399.88
OVERTON$3,399.22
ADAMS$3,399.11
NICKERSON$3,398.88
NAPER$3,398.21
MEMPHIS$3,397.04
WALTON$3,395.47
NORTH BEND$3,395.44
BENNET$3,395.36
AMELIA$3,394.85
SUMNER$3,394.84
ERICSON$3,394.73
ALVO$3,394.25
UNION$3,393.95
HENDLEY$3,392.84
BRISTOW$3,390.50
YUTAN$3,389.71
EAGLE$3,388.46
AVOCA$3,387.96
MALCOLM$3,387.81
CHAMBERS$3,385.91
LOUISVILLE$3,385.71
WISNER$3,385.13
VALPARAISO$3,383.99
COLON$3,383.28
PLATTSMOUTH$3,382.85
TEKAMAH$3,379.02
ONEILL$3,378.29
AMES$3,378.21
MALMO$3,377.84
SCRIBNER$3,376.70
WALTHILL$3,376.43
RIVERTON$3,375.87
PILGER$3,374.74
SCHUYLER$3,374.48
ORLEANS$3,372.73
HOSKINS$3,372.47
SMITHFIELD$3,372.44
ROGERS$3,371.24
OAKLAND$3,368.71
COZAD$3,368.15
PALMYRA$3,366.94
PAGE$3,365.52
HOOPER$3,364.92
EMMET$3,364.90
MORSE BLUFF$3,363.49
CLATONIA$3,363.47
OTOE$3,362.50
PENDER$3,361.72
WILSONVILLE$3,360.58
NEMAHA$3,358.07
DAVEY$3,357.42
ARCHER$3,356.33
MEAD$3,356.16
CHAPMAN$3,355.44
ELWOOD$3,355.20
HUBBARD$3,354.43
BATTLE CREEK$3,354.38
WESTON$3,354.16
WINSIDE$3,352.80
ABIE$3,352.80
SPALDING$3,350.71
GRANT$3,350.43
NAPONEE$3,348.81
PONCA$3,347.06
BLOOMINGTON$3,347.04
CORTLAND$3,346.81
STANTON$3,346.28
UNADILLA$3,345.30
DODGE$3,344.51
THURSTON$3,344.30
BRAINARD$3,343.99
TALMAGE$3,343.41
BELGRADE$3,343.17
CREIGHTON$3,342.68
ELBA$3,342.27
FAIRBURY$3,341.89
EDISON$3,341.33
UPLAND$3,340.99
LEIGH$3,339.89
LORTON$3,339.74
LYONS$3,339.00
FRANKLIN$3,338.95
BURCHARD$3,338.33
VERDON$3,338.31
JULIAN$3,337.83
PAWNEE CITY$3,337.40
TABLE ROCK$3,337.25
RULO$3,337.09
ROSALIE$3,336.57
PETERSBURG$3,335.65
SALEM$3,335.51
OXFORD$3,335.06
BURR$3,335.00
BOELUS$3,334.70
WYMORE$3,334.62
CAMPBELL$3,334.41
SAINT HELENA$3,334.26
FARWELL$3,334.01
MEADOW GROVE$3,333.45
LYNCH$3,333.39
SILVER CREEK$3,333.10
REPUBLICAN CITY$3,332.99
STEINAUER$3,332.30
WINNETOON$3,331.02
CEDAR BLUFFS$3,329.15
FILLEY$3,328.79
ROYAL$3,328.68
MASKELL$3,327.77
CONCORD$3,326.63
BANCROFT$3,325.72
CAMBRIDGE$3,325.68
JACKSON$3,325.22
STERLING$3,324.51
WOLBACH$3,323.98
ODELL$3,323.68
ARAPAHOE$3,323.61
VIRGINIA$3,323.59
ELK CREEK$3,323.38
FALLS CITY$3,323.29
CRAIG$3,322.72
CRAB ORCHARD$3,322.59
SHUBERT$3,322.41
HILDRETH$3,322.29
CLARKSON$3,321.95
BEAVER CITY$3,321.48
BERTRAND$3,321.40
SYRACUSE$3,320.75
BARNESTON$3,320.68
SCOTIA$3,320.64
ALMA$3,320.29
DAWSON$3,320.00
STAMFORD$3,319.76
DANNEBROG$3,319.46
FUNK$3,319.34
WYNOT$3,319.17
DUNBAR$3,317.13
LIBERTY$3,316.84
GENOA$3,315.66
CLARKS$3,313.92
BROWNVILLE$3,313.26
HOWELLS$3,311.83
EMERSON$3,311.74
PHILLIPS$3,311.73
BEE$3,311.71
MINDEN$3,311.41
INAVALE$3,310.93
PERU$3,309.64
DWIGHT$3,309.07
DE WITT$3,308.90
DAVID CITY$3,307.93
COOK$3,307.68
HEARTWELL$3,307.56
ELM CREEK$3,307.22
WEST POINT$3,307.08
CARROLL$3,307.05
STELLA$3,306.25
CLEARWATER$3,305.62
BELVIDERE$3,305.19
SAINT LIBORY$3,304.89
MILFORD$3,303.81
NEWCASTLE$3,303.68
SAINT EDWARD$3,302.60
PLEASANT DALE$3,302.54
GARLAND$3,301.78
PALMER$3,301.40
HOLBROOK$3,301.16
BLUE SPRINGS$3,300.79
CENTRAL CITY$3,300.55
LINDSAY$3,300.52
ALLEN$3,300.51
NIOBRARA$3,299.60
ULYSSES$3,299.58
LOOMIS$3,297.38
SEWARD$3,296.46
CEDAR RAPIDS$3,294.00
RAGAN$3,293.70
LINWOOD$3,293.23
WAYNE$3,293.01
BEAVER CROSSING$3,292.79
CENTER$3,292.73
WATERBURY$3,292.58
CROFTON$3,291.52
PLYMOUTH$3,291.05
REYNOLDS$3,290.65
STAPLEHURST$3,290.45
NEWMAN GROVE$3,289.94
ORCHARD$3,289.89
UTICA$3,289.78
BEEMER$3,289.17
MILLIGAN$3,288.82
RED CLOUD$3,288.48
RISING CITY$3,287.47
DIXON$3,287.45
NELIGH$3,287.13
ATLANTA$3,286.33
BEATRICE$3,286.11
CORDOVA$3,285.35
BROCK$3,284.76
MARQUETTE$3,284.65
DU BOIS$3,284.07
SARONVILLE$3,283.91
TECUMSEH$3,283.52
BELLWOOD$3,283.20
ALBION$3,282.91
WILBER$3,282.24
PICKRELL$3,281.91
WAKEFIELD$3,281.68
VERDIGRE$3,280.84
GREELEY$3,280.39
FREMONT$3,279.74
FORDYCE$3,279.06
ALEXANDRIA$3,278.23
TILDEN$3,277.94
HORDVILLE$3,277.59
HAMPTON$3,277.55
PRIMROSE$3,277.26
HARVARD$3,277.11
LEWISTON$3,276.17
NEBRASKA CITY$3,275.87
BRUNING$3,275.58
WESTERN$3,274.85
AMHERST$3,274.58
CRETE$3,274.42
OAKDALE$3,273.54
MADISON$3,273.07
RIVERDALE$3,272.92
HOLDREGE$3,272.18
BRUNSWICK$3,271.94
OHIOWA$3,271.73
LAWRENCE$3,269.55
SUPERIOR$3,268.81
DAVENPORT$3,268.64
WILCOX$3,267.29
SUTTON$3,266.12
RUSKIN$3,265.85
PLEASANTON$3,265.31
STRANG$3,264.45
AUBURN$3,264.24
SHICKLEY$3,264.21
ENDICOTT$3,263.50
GUIDE ROCK$3,261.11
GENEVA$3,260.58
BRUNO$3,260.45
HUMBOLDT$3,260.27
BELDEN$3,260.04
MCLEAN$3,259.94
JOHNSON$3,259.91
GRAFTON$3,259.37
STEELE CITY$3,259.28
PLAINVIEW$3,258.57
GILTNER$3,257.99
BLADEN$3,257.92
SURPRISE$3,257.02
SAINT PAUL$3,256.81
FAIRFIELD$3,256.70
PIERCE$3,256.23
ELGIN$3,255.09
DESHLER$3,252.34
COLERIDGE$3,252.23
CHESTER$3,252.03
HEBRON$3,251.91
DAYKIN$3,251.87
BLUE HILL$3,251.81
INLAND$3,251.55
ONG$3,250.60
TRUMBULL$3,250.37
FULLERTON$3,250.31
NELSON$3,250.28
HUMPHREY$3,250.24
EXETER$3,250.00
FRIEND$3,249.92
TOBIAS$3,249.54
GRESHAM$3,249.32
SWANTON$3,249.14
DORCHESTER$3,248.05
NORFOLK$3,247.57
MAGNET$3,246.99
OSCEOLA$3,246.17
CRESTON$3,245.88
SHELBY$3,244.82
OAK$3,244.26
MONROE$3,242.64
JANSEN$3,242.15
CARLETON$3,241.88
LAUREL$3,241.80
BLOOMFIELD$3,240.99
CLAY CENTER$3,240.08
SHELTON$3,238.54
BYRON$3,238.40
ODESSA$3,236.95
GIBBON$3,236.52
DILLER$3,236.51
HARDY$3,236.35
ROSELAND$3,232.03
RANDOLPH$3,231.79
GLENVIL$3,231.76
WAUSA$3,231.32
PLATTE CENTER$3,231.29
MILLER$3,226.94
HARTINGTON$3,226.29
OSMOND$3,224.10
HASTINGS$3,224.10
AYR$3,223.03
STROMSBURG$3,222.99
FAIRMONT$3,221.19
AURORA$3,220.55
RAVENNA$3,219.77
POLK$3,218.96
MC COOL JUNCTION$3,216.69
COLUMBUS$3,215.66
HOLSTEIN$3,215.34
DEWEESE$3,210.55
EDGAR$3,209.28
YORK$3,209.02
WACO$3,202.39
KENESAW$3,198.60
BENEDICT$3,198.41
JUNIATA$3,197.47
WOOD RIVER$3,196.12
GILEAD$3,193.92
HUBBELL$3,186.96
CAIRO$3,186.01
AXTELL$3,185.90
DONIPHAN$3,185.76
ALDA$3,173.24
HENDERSON$3,169.25
BRADSHAW$3,157.27

Best Nebraska Car Insurance Companies

Now that you have more information on what kind of rates to expect, feel free to use our free auto insurance comparison tool to find the best company at the right rate for you at the bottom of this page.

If you are still unsure about what rate or company to choose, you’re not alone.

There are many car insurance companies in Nebraska. Is that extremely low rate too good to be true? Is that slightly higher price worth it for the service the insurance company provides?

If you’re still unsure about what to choose, read on to find some more information about Nebraska’s car insurance companies. We’ll cover a wide variety of topics from the company’s financials and complaints to the credit history and driving records they typically look for.

– The Largest Companies’ Financial Rating

While shopping for car insurance, you may be more worried about your own financials than the financials of the car insurance companies. However, it is important to note insurance companies’ financials because they indicate how stable they are as a company.

If you think about all the money you’ll be paying your insurance company in premiums as you drive around Nebraska, you want to be sure that they’ll be able to pay out your claims if you ever do get into an accident.

A.M. Best is a great, trusted source to find financial ratings of insurance companies. In the table below, you can find a list of Nebraska’s 10 largest car insurance companies, along with their A.M. Best ratings.

CompanyAM Best Financial Rating
AllstateA+
American Family Insurance GroupA
FarmersA
FarmersA
GeicoA++
Iowa Farm BureauNR
NationwideA+
ProgressiveA+
State FarmA++
USAAA++

Of the 10 largest auto insurance companies in Nebraska, most have an A or higher A.M. Best rating. A great sign for you as a Nebraska car insurance shopper.

– Companies with Best Ratings

Knowing how a company is rated financially is a significant indicator of whether they would be a smart choice, but knowing how well they rate with customers is just as important. If they have the financial ability to pay claims but are extremely difficult to reach or deal with during a time of need, they may not be the right choice.

To find customer ratings, J.D. Power is a great place to look. J.D. Power ranks auto insurance companies by customer satisfaction rankings.

– Companies with Most Complaints in Nebraska

Another way to make sure an auto insurance company treats their customers right is to research their complaints. The NAIC provides data for complaint ratios for auto insurance companies. A complaint ratio is the number of a company’s complaints per million dollars written in premiums.

Below, you will find the top 10 list of Nebraska auto insurance companies by complaint ratio. Meaning, the ones with the lowest complaint ratios will be at the top.

Auto Insurance CompanyComplaintsPremiumsComplaint Ratio
Allstate25$36.4M0.62
American Family30$74.5M0.38
Farmers24$232.8M0.52
Farmers Mutual33$60.1M0.4
Geico0$40.4M0
Iowa Farm Bureau34$120.5M0.46
Nationwide13$42.8M0.22
Progressive19$79.7M0.16
State Farm51$46.0M0.22
USAA8$82.4M0.22

You may notice that a higher number of complaints does not mean a higher complaint ratio. It’s important to use the complaint ratio because it would be unfair to compare a company with one complaint that only has two customers total, to a company that has five complaints but has thousands of customers.

Top 10 Nebraska Auto Insurance Companies by Complaint Ratio

– Cheapest Companies in Nebraska

Now that you know which companies are the best when it comes to customer satisfaction, let’s dive into which ones are known to save you the most money.

Nebraska Cheapest Auto Insurance Companies Compared to State Average

Below, you will find rates for the top 10 companies with the best average rates when compared to the Nebraska state average with a percent difference.

CompanyAverageCompared to State Average
Allied P&C$2,596.03-$804
Allstate F&C$3,199.08-$201
American Family Mutual$2,213.41-$1,186
Geico$3,848.44+$449
Mid-Century Ins Co$3,990.44+$591
Progressive$3,751.01+$351
Safeco$6,230.57+$2,831
State Farm$2,437.71-$962
USAA$2,332.01-$1,068

Notice any companies that have shown up consistently throughout these comparison charts?

– Commute Rates by Companies

Nebraska drivers traveled 20,996 miles in 2018, averaging 1,750 miles per month. How do you compare to the Nebraska average? It’s important to know your commute because many auto insurance companies will change their premiums based on how much you drive.

How much does your commute matter to an auto insurance company? The table below compares different companies’ premiums for 10-mile commuters vs. 25-mile commuters.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Grand Total
Allstate$3,199.09$3,199.09$6,398.18
American Family$2,195.50$2,231.31$4,426.81
Farmers$3,990.44$3,990.44$7,980.88
GEICO$3,788.76$3,908.12$7,696.88
Liberty Mutual$6,230.57$6,230.57$12,461.14
Nationwide$2,596.03$2,596.03$5,192.06
Progressive$3,751.01$3,751.01$7,502.02
State Farm$2,375.18$2,500.23$4,875.41
USAA$2,304.90$2,359.11$4,664.01

The average percent change in premiums when going from a 10-mile commute to a 25-mile commute is 1.33 percent. Based on this percent and the average premium of $1,086 in Nebraska, you can expect to pay an additional $14/year when increasing your commute from 10 miles to 25 miles.

This may not sound like much but is important to note when shopping around. Make sure you find a company that does not drastically increase its price for high-mile commuters if you fall into that category.

– Coverage Level Rates by Companies

For those of you looking to play it safe and opt for more coverage, we will compare rates by coverage level below.

GroupLowMediumHigh
Allstate$3,121.13$3,193.28$3,282.84
American Family$2,196.25$2,279.32$2,164.66
Farmers$3,823.80$3,934.99$4,213.54
Geico$3,760.03$3,845.99$3,940.29
Liberty Mutual$6,057.90$6,197.21$6,436.58
Nationwide$2,637.85$2,586.77$2,564.48
Progressive$3,580.81$3,742.58$3,930.65
State Farm$2,342.89$2,434.89$2,536.33
USAA$2,256.68$2,329.68$2,410.66

According to this chart, American Family Group charges less for higher coverage. From their medium coverage to higher coverage, the rate drops 5.3 percent. So higher-level shoppers could be at an advantage when driving in Nebraska.

Nebraska’s state average for high coverage is $3,497.78 annually. See the chart below for a comparison of high coverage rates for all the above-listed companies to the state average.

Comparison of Cheapest High Level Coverage To Nebraska State Average

– Credit History Rates by Companies

In Nebraska, the average credit score is 695. How does yours compare and why does this matter when shopping for auto insurance? Well, your credit score is yet another factor that comes into play in auto insurance companies’ premiums.

Here’s, on average, what you can expect to pay based on your credit score in Nebraska:

• Poor Credit (320 – 599): $4331.37
• Fair Credit (600 – 689): $3156.32
• Good Credit (690+): $2711.88

Which auto insurance companies, then, give the biggest price breaks for having better credit? The chart below compares auto insurance rates of different companies for poor, fair, and good credit customers, sorted by premium price for good credit.

GroupPoorFairGood
Allstate$3,969.74$3,020.24$2,607.28
American Family$2,965.91$2,026.00$1,648.32
Farmers$4,572.61$3,790.48$3,608.23
Geico$4,400.38$3,818.47$3,326.47
Liberty Mutual$8,995.67$5,429.16$4,266.87
Nationwide$3,120.82$2,483.58$2,183.71
Progressive$4,307.21$3,612.67$3,333.16
State Farm$3,541.78$2,123.22$1,648.11
USAA$3,108.18$2,103.06$1,784.78

On average, you can expect a drop of 37.23 percent when moving from poor credit to fair credit and 16.39 percent when moving from fair credit to good credit.

These are pretty significant numbers, showing the impact that credit can have on your auto insurance rates in Nebraska.

Depending on your credit, the chart below will show you how companies compare to the state average for premium prices. If you currently have poor or fair credit, American Family will be the cheapest choice. If you currently have good credit, State Farm is the cheapest choice.

Nebraska Auto Insurance Company Rates by Credit History

– Driving Record Rates by Companies

Let’s say you’ve made some mistakes in the past that have affected your driving record. How much will this affect your premiums in Nebraska, and how much of a break can you expect to get when your record is clean again?

The chart below shows what you can expect to pay depending on your driving record and the percent change from a clean record to one with a speeding ticket, accident, and DUI.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$2,778.41$3,105.70$3,132.72$3,779.52
American Family$2,167.41$2,167.41$2,351.41$2,167.41
Farmers$3,378.04$4,034.21$4,328.05$4,221.46
GEICO$2,468.24$4,021.98$3,549.90$5,353.65
Liberty Mutual$5,344.48$6,456.53$6,294.37$6,826.89
Nationwide$1,841.14$2,087.26$2,660.35$3,795.39
Progressive$3,189.50$3,572.84$4,674.90$3,566.80
State Farm$2,267.34$2,437.70$2,608.08$2,437.70
USAA$1,769.47$2,004.52$2,227.91$3,326.12

Below are the average percent increases you can expect to pay in Nebraska when going from a clean record (average $2,800) to one with a violation:

• Clean to one speeding ticket: 15.67 percent increase (average $3,320)
• Clean to one accident: 20.81 percent increase (average $3,536.41)
• Clean to one DUI: 28.95 percent increase (average $3,941.66)

USAA remains the cheapest option for those with a clean record, one speeding ticket, or one accident. If you have a DUI, American Family will be your cheapest option.

The chart below shows auto insurance company rates for different driving records compared to the state average.

Nebraska Auto Insurance Company Rates by Driving Record

Overall, American Family has the lowest average percent change in Nebraska when going from a clean record to having any of the above three violations on your driving record.

Of course, we all hope to keep our driving records clean, but knowing this information can help you see which company may be a better option in case an unfortunate situation does arise.

– Largest Car Insurance Companies in Nebraska

You may have formed your own analyses and opinions on what the best auto insurance company in Nebraska is based on your own specific needs, but what are the actual most popular companies?

You may be surprised at the results. Below are the 10 largest auto insurance companies in Nebraska based on direct premiums written. In Nebraska, State Farm has the largest share of the market at 23.13 percent. Progressive rings in at second place with 12.48 percent.

Company GroupDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$289,76370.76%23.13%
Progressive Group$156,31566.71%12.48%
Farmers Mutual Insurance Co of NE$107,29765.57%8.56%
American Family Insurance Group$101,23877.13%8.08%
Iowa Farm Bureau Group$85,29965.32%6.81%
GEICO$70,98686.22%5.67%
Nationwide Corp Group$67,74960.94%5.41%
Allstate Insurance Group$60,86863.38%4.86%
USAA Group$53,98291.23%4.31%
Farmers Insurance Group$43,08457.72%3.44%

Why doesn’t this chart look like many of the ones above? It may be because of the marketing dollars available for the larger companies that allow them to stay on top. This emphasizes the importance of doing your own research to see if you agree that the top companies are your best choice, or if another, less-known option is better for you.

– Number of Insurers by State

In auto insurance terms, a domestic insurer is in-state while a foreign insurer is out-of-state. In Nebraska, there are 34 licensed domestic insurers and 867 licensed foreign insurers.

The national average for domestic is 45 and for foreign is 754.

Nebraska Laws

We all know that we should be aware of our own state laws, but that’s not always an easy task. With so many different driving laws explained in so many different sites and publications, it’s no wonder we’re not all experts.

Instead of having to read through many many pages between different sources, we’ve compiled and outlined Nebraska’s important laws for you here.

Read on to learn more about car insurance laws, licensing, and other laws that will help make you a better driver.

– Car Insurance Laws

Let’s take a look at the different car insurance laws in Nebraska.

– How State Laws for Insurance are Determined

In Nebraska, laws for insurance are determined by the Nebraska Legislature. Nebraska’s Department of Insurance supervises and controls insurance companies, executing and enforcing all insurance laws.

– Windshield Coverage

Some states have different laws for windshields, such as whether aftermarket parts can be used and which repair shop to go to.

In Nebraska, there are no laws that are unique to windshields, but some insurers may require the use of a specific repair shop.

– High-Risk Insurance

If you are a high-risk driver in Nebraska, you will need to file an SR-22. You will also need to file an SR-22 for revocations and suspensions of your license.

An SR-22 is not a form of insurance. It is an additional form that needs to be filed, proving to the state of Nebraska that you have insurance.

In the state of Nebraska, your insurance company must mail, personally deliver, or electronically transfer (if applicable) the SR-22 filing to the Department of Motor Vehicles.

If you do not live in Nebraska, the Nebraska Department of Motor Vehicles still requires out-of-state SR filings. If this is your case, you should contact the Nebraska CMV before making a premium payment to make sure your insurance company allowed of-of-state filings.

– Low-Cost Insurance

Although Nebraska does have insurance available for the high-risk driver, it currently does not have low-cost insurance to help low-income drivers. California, Hawaii, and New Jersey are the only states that have this type of program.

– Automobile Insurance Fraud in Nebraska

The Insurance Information Institute (IIHS) explains that auto insurance fraud can be committed by policyholders, third-party claimants, and professionals who provide services such as car mechanics.

Fraud means that one of these parties is lying to get more money from the insurance company. For example, you can stage an accident and have a professional mechanic write you a fake invoice for services they never had to give you. What happens if you are caught in this type of fraud?

The IIHS also lists key Nebraska laws against insurance fraud. In Nebraska, the type of fraud explained above is classified as a crime. Nebraska has an Insurance Fraud Prevention Division which prevents, investigates, and prosecutes fraudulent activities.

Their contact info is:

https://doi.nebraska.gov/insurers/fraud
DOI.FraudPrevention@Nebraska.gov
402-471-2201

– Statute of Limitations

Let’s say you get into a car accident and wait two years before acting. Can you still file a claim? In Nebraska, you can.

Nebraska’s statute of limitations states you can file a claim up to four years after the accident for both personal injuries as well as property damage.

– State-Specific Laws

In Nebraska, car insurance companies have the right to deny coverage. However, to ensure that all drivers are able to purchase the minimum insurance required to drive, Nebraska car insurance companies are required to participate in the Nebraska Automobile Insurance Plan.

This plan has auto insurance companies within Nebraska that share the risk of providing insurance to drivers who are unable to get insurance normally.

Drivers can apply for this plan through any licensed car insurance agent or company in Nebraska. Though a great option for those who are denied coverage, these rates will be higher than average, so be sure to use our tool to make sure you find the best provider for your situation.

– Vehicle Licensing Laws

Now, we’ll take a look at vehicle licensing laws in Nebraska.

– REAL ID

It’s important to note that Nebraska is compliant with the REAL ID act. This means that federal agencies can accept Nebraska-issued driver’s licenses. The Department of Homeland Security explains that a REAL ID helps to secure driver’s licenses, improving their reliability and accuracy.

– Penalties for Driving Without Insurance

As we’ve mentioned several times, it is illegal to drive without any insurance in Nebraska.

If you are caught driving with no insurance, your license and registration will be suspended. To reinstate, there is a $50 fine for each, and proof of insurance in the form of an SR-22, explained above, will be required to be on file for three years.

Nebraska’s proof of insurance comes in different forms. Most commonly, it comes in the form of an insurance ID card issued by your insurance company. Alternatively, you can carry your bond of surety company or cash bond as proof of insurance.

Be sure to carry these with you to avoid the penalties.

– Teen Driver Laws

Teen drivers have separate laws because they lack experience, making them a higher-risk group. This is why Nebraska has graduated licensing as outlined by the IIHS.

There are three stages for teen drivers in Nebraska as explained by Nebraska’s Department of Motor Vehicles. See the details for each state in the table below.

StageMinimum Entry AgeRequirementsRestrictions
Learner's Permit (LPD)15Pass written and vision testMust be accompanied by a licensed driver who is at least 21 years of age
Provisional Operator's Permit (POP)16Driver's education or documentation of 50 hours of lawful driving or held a School PermitNO driving from 12AM to 6AM unless from school activities or work

No more than one passenger younger than 19 who is not a family member for the first 6 months
Unrestricted Driver's License17Must have held a POP for 1 year and have not accumulated 3 or more points in the last 12 months.

– Older Driver License Renewal Procedures

All drivers in Nebraska must get their licensed renewed every five years. This can be done by mail or online for every other renewal. However, for the older population of 72 years of age and over, mail or online renewals are not an option, and proof of adequate vision is required each time.

– New Residents

If you are new to living in Nebraska or have just moved, you are probably looking urgently into getting licensed. Just how urgent does this need to be?

For new Nebraska residents, you will have 30 days to obtain your license. All new applicants are required to provide proof of citizenship, your principal address in Nebraska, and a valid social security number.

Furthermore, you will have to surrender your previous license from out of state, take a vision test, and complete a driving test.

– License Renewal Procedures

If you are issued a Nebraska driver’s license before the age of 21, your license needs to be renewed when you turn 21. If you are issued a license after the age of 21, your license needs to be renewed every five years.

When renewing, you will be required to take a vision test. Written and driving tests may be waived by the Nebraska Department of Motor Vehicles.

Upon successful completion of these tests, a 30-day temporary license will be issued, and the permanent license will be sent via mail within 20 days.

– Nebraska Point System

Driving violations result in points to your driving record via the Nebraska Point System. If you have too many points, you may lose your driving privileges.

Points remain on your record for five years, and accumulating 12 points within two years will result in automatic revocation of your driver’s license.

If you have less than 12 points, you can voluntarily enroll in a DMV approved Driver Improvement Course that will reduce your points by two. This can be done once every five years.

A full list of violations and how many points they relate to can be found on Nebraska’s Department of Motor Vehicles website.

– Rules of the Road

As a shopper of car insurance in Nebraska, it is important for you to know the rules of the road. See an outline for some below.

– Fault vs. No-Fault

Nebraska is a fault state. This means you will be held responsible for an accident if you cause it.

Nebraska only requires that you carry the minimum amount of insurance, but carrying higher coverage may help you during an accident with which you are at fault.

– Seat Belt & Car Seat Laws

According to the IIHS, there is no primary enforcement for seat belts. Anyone 18 or older in the front seat is required to wear a seatbelt with a fine of $25 for first violations.

Children two years or younger must be in a rear-facing child restraint until he or she outgrows the maximum allowable height or weight prescribed by the car seat manufacturer. Children seven years and younger are required to be in a child safety seat in the rear seat, if available.

Nebraska also restricts riding in cargo areas to people age 18 or older and parades.

– Keep Right & Move Over Laws

In Nebraska, it is the law for you to keep right or move over if you are driving slower than the average speed of traffic. Passing on the right is allowed in certain conditions.

– Speed Limits

Whether you’re driving in one of Nebraska’s busy cities or cruising through scenic bypasses, it’s important to be aware of the speed limit. Below are Nebraska’s law-enforced speed limits for different roads.

Rural Interstate (mph)Urban Interstate (mph)Other limited access roads (mph)Other roads (mph)
75707065

– Ridesharing

Ridesharing is a great new way to make money. If you plan to rideshare for Uber or Lyft, be aware that Nebraska has specific insurance laws for you.

In Nebraska, insurers for ridesharing are:

  • Farmers
  • Geico
  • State Farm
  • USAA

– Automation on the Road

Automatic cars have slowly become more well known. In Nebraska, automatic cars are allowed to be on the road. According to the IIHS, the requirement for an operator to be licensed, or even present, depends on vehicle automation.

If the car is equipped with automated driving systems, a licensed operator is needed. However, if the car has driverless capabilities and can achieve “minimal risk conditions,” no operator is needed.

However, even for automatic cars, liability insurance is needed.

– Safety Laws

Nebraska has laws in place to protect the safety of its drivers as well as others.

– DUI Laws

In 2017, there were 67 alcohol-impaired driving fatalities in Nebraska.

Nebraska has DUI laws and severe punishments intended to prevent these types of accidents. the BAC limit for driving is 0.08, with a high BAC defined as 0.15.

Below are Nebraska’s DUI penalties for different numbers of offenses:

Penalty Type1st Offense2nd Offense3rd Offense4th Offense
Revocation2 month minimum; may be served with IID upon court order. If given probation or suspended sentence: 60 day DL revocation18 months; 45 days before eligible for IID15 years; probation/suspended sentence: 2-15 years, 45 days before elegible for IID15 years; probation/suspended sentence: 45 days before elegible for IID
Imprisonment7-60 days probation/suspended sentence: 10 days in jail or 240 hours community service30-180 days; probation/suspended sentence: 10 days in jail or 240 hours community service90 days - 1 year; probation/suspended sentence: 30 days180 days-3 years; probation/suspended sentence: 90 days in jail
Fineno minimum, but up to $500no minimum, but up to $1000no minimum, but up to $1,000up to $10,000; probation/suspended sentence: $2000
OtherSR-22 for three years90 days CAM

DUI’s remain on a driver’s record for 15 years.

– Marijuana-Impaired Driving Laws

In Nebraska, marijuana is fully illegal, therefore there are no marijuana-specific driving laws.

– Distracted Driving Laws

Texting while driving is prohibited in Nebraska, but handheld cellphone use is not illegal. Texting while driving is a secondary offense.

Driving Safely in Nebraska

Having insurance ensures that you are covered if you ever do get into an accident. However, driving safely can prevent the need for this altogether.

Driving safely means something different everywhere you go, and it’s important to know what it means to drive safely in Nebraska. We want you to drive safely and will provide you with lots of information to do so.

Below, we will cover a wide variety of safety-related topics from auto thefts to driving fatalities.

– Vehicle Theft in Nebraska

Which cars are most often stolen in Nebraska? Here’s the list according to the National Insurance Crime Bureau:

  • 2000 Chevrolet Pickup (Full Size)
  • 1998 Honda Civic
  • 1996 Honda Accord
  • 2004 Ford Pickup (Full Size)
  • 2001 Dodge Pickup (Full Size)
  • 2000 Jeep Cherokee/Grand Cherokee
  • 2003 Chevrolet Impala
  • 1996 Chevrolet Pickup (Small Size)
  • 1999 GMC Pickup (Full Size)
  • 2013 Chevrolet Malibu

The most stolen car is in line with what car is popular in Nebraska — the Chevy Pickup. The newer model that tends to be stolen is the Chevrolet Malibu.

Which cities experience the most car theft? As you could have guessed, Omaha, the biggest city in Nebraska, weighs in the highest at 3,500 thefts in 2017. The table below outlines more cities.

CityMotor
vehicle
theft
Omaha3,500
Bellevue153
Norfolk25
Crete12
York9
Bennington3
McCook3
Superior3
Valley2
Emerson1
Neligh1
O'Neill1

– Road Fatalities in Nebraska

Below we will outline road fatalities in different situations.

– Most Fatal Highway in Nebraska

The Interstate 80 goes all the way across Nebraska and is the busiest highway. It’s also the most fatal highway in Nebraska. The fatal crash rate on this highway is 0.3 with 179 crashes and 235 fatalities in the past 10 years.

– Fatal Crashes by Weather Condition & Light Condition

Different weather conditions affect the fatalities in Nebraska. The table below shows fatalities by weather condition.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal109293891186
Rain222006
Snow/Sleet502007
Other212106
Unknown002035

Surprisingly, normal conditions accounted for 89 percent of fatalities. This could be because many people take extra precautions when driving in the rain or snow.

This shows the importance of driving carefully even when conditions seem good.

– Fatalities (All Crashes) by County

Between all Nebraska counties, the average fatalities from crashes from 2013 – 2017 remained very consistent, around 2.43. The table below shows fatalities in all counties from 2013 – 2017.

County2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
Douglas County3434533643
Lancaster County1523211518
Hall County665511
Sarpy County839711
Dawson County57897
Dodge County87737
Buffalo County66596
Cherry County22236
Keith County32266
Lincoln County483136
Madison County414106
Scotts Bluff County75496
Thurston County35436
Saunders County14655
York County31245
Phelps County00534
Platte County23344
Washington County13204
Adams County12153
Antelope County22523
Burt County00023
Cass County108713
Cedar County23443
Red Willow County01003
Sheridan County13323
Butler County01412
Colfax County20142
Cuming County24002
Frontier County01002
Hitchcock County10022
Holt County30202
Jefferson County12002
Kimball County01312
Knox County11032
Otoe County21402
Richardson County01212
Thayer County02112
Webster County00102
Chase County03011
Custer County34311
Dawes County30311
Fillmore County21011
Grant County00001
Hamilton County41111
Harlan County11111
Hayes County00001
Johnson County20221
Kearney County01041
Logan County10001
Merrick County13141
Morrill County14101
Nuckolls County20101
Polk County22011
Seward County311311
Stanton County25101
Wayne County23011
Arthur County10000
Banner County00000
Blaine County00100
Boone County41100
Boyd County10010
Brown County11110
Cheyenne County12310
Clay County04510
Dakota County44360
Deuel County20010
Dixon County10100
Dundy County00010
Franklin County11100
Furnas County01100
Gage County51930
Garden County10000
Garfield County00010
Gosper County01000
Greeley County00000
Hooker County10000
Howard County22000
Keya Paha County02000
Loup County00000
Mcpherson County00000
Nance County32000
Nemaha County10330
Pawnee County22200
Perkins County00100
Pierce County56310
Rock County20110
Saline County30710
Sherman County01110
Sioux County00010
Thomas County00000
Valley County00110
Wheeler County00000

The counties with the highest number of fatalities have a significantly higher number than the average.

From 2013 – 2017, Douglas County remained the county with the highest number of fatalities. This makes sense, considering Omaha, Nebraska’s largest city, is in Douglas County. Below are the five-year totals for fatalities in the top three counties:

  • Douglas County: 200
  • Lancaster County: 92
  • Sarpy County: 38

Fortunately, there is no clear increase pattern for Nebraska’s fatalities.

– Traffic Fatalities

The average total traffic fatalities per year between 2008 – 2017 in Nebraska was 214.2, with almost 80 percent of these fatalities occurring in rural areas. They may be caused by factors such as a lack of phone signal in a time of need and less of an enforcement for safety laws, such as seatbelt-wearing.

The table below shows the number of fatalities in 10 years between urban and rural areas according to the NHTSA Crash Report.

Area2008200920102011201220132014201520162017
Total208223190181212211225246218228
Rural182185159138161170177173166159
Urban26383143514148735269

Rural areas account for over 70 percent more fatalities than urban ones.

– Fatalities by Person Type

In Nebraska, the passenger car occupants have the highest number of fatalities from 2013 – 2017, followed by pickup truck occupants. Large truck occupants have the lowest. This may be due to the size of the car making it safer.

Below, we can fatality numbers from 2013 – 2017 in Nebraska sorted by person type.

Person Type2013 Number2014 Number2015 Number2016 Number2017 Number
Total223235269230250
Passenger Car Occupants8176838072
Pickup Truck Occupants4757534646
Utility Truck Occupants3336432930
Other2215301829
Motorcyclists1420252027
Pedestrians129191220
Van Occupants81371219
Large Truck Occupants675124
Bicyclists02413

– Fatalities by Crash Type

There are many types of car accidents. In Nebraska, the crash type with the most fatalities is a single-vehicle crash, and the crash type with the least are crashes involving speeding.

Crash Type20132014201520162017
Total Fatalities (All Crashes)*211225246218228
Single Vehicle121116120111130
Involving a Roadway Departure147137143128126
Involving a Rollover9194837278
Involving an Intersection4958726861
Involving a Large Truck2952405538
Involving Speeding3949373637

– Five-Year Trend For the Top 10 Counties

Let’s take a look at how fatality numbers have changed over five years for the top 10 counties.

Nebraska Counties by 2017 Ranking20132014201520162017
Douglas County3434533643
Lancaster County1523211518
Hall County665511
Sarpy County839711
Dawson County57897
Dodge County87737
Buffalo County66596
Cherry County22236
Keith County32266
Lincoln County483136

Nebraska Fatality Rates by County - Three Year Trend

– Fatalities Involving Speeding by County

When involving speeding, Douglas County again has the highest fatalities.

County20132014201520162017
Douglas County1061899
Sarpy County10124
Hall County11013
Lincoln County13043
Holt County00002
Madison County10202
Sheridan County10112
Antelope County10011
Buffalo County00101
Burt County00001
Chase County03001
Dawson County11011
Dodge County01201
Lancaster County47351
Saunders County01101
Scotts Bluff County10031
Thayer County00001
Washington County00001
York County00011
Adams County01010
Arthur County00000
Banner County00000
Blaine County00000
Boone County10000
Box Butte County00000
Boyd County00000
Brown County01000
Butler County00000
Cass County25000
Cedar County11000
Cherry County00000
Cheyenne County00000
Clay County01200
Colfax County00000
Cuming County02000
Custer County01000
Dakota County01000
Dawes County00000
Deuel County00000
Dixon County00000
Dundy County00000
Fillmore County20000
Franklin County10000
Frontier County00000
Furnas County00000
Gage County01000
Garden County00000
Garfield County00010
Gosper County00000
Grant County00000
Greeley County00000
Hamilton County10000
Harlan County10000
Hayes County00000
Hitchcock County00000
Hooker County10000
Howard County21000
Jefferson County10000
Johnson County00200
Kearney County00020
Keith County01100
Keya Paha County00000
Kimball County00000
Knox County00010
Logan County00000
Loup County00000
Mcpherson County00000
Merrick County00000
Morrill County00000
Nance County00000
Nemaha County00000
Nuckolls County10000
Otoe County00000
Pawnee County10000
Perkins County00000
Phelps County00000
Pierce County03000
Platte County01010
Polk County00000
Red Willow County00000
Richardson County00000
Rock County00100
Saline County00110
Seward County05000
Sherman County00100
Sioux County00010
Stanton County10000
Thomas County00000
Thurston County11000
Valley County00000
Wayne County00000
Webster County00000
Wheeler County00000

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Once again, we find Douglas County at the top for fatalities involving alcohol.

County20132014201520162017
Douglas County1112172318
Sarpy County02215
Lancaster County48554
Phelps County00323
Sheridan County02113
Buffalo County02002
Dodge County22302
Lincoln County13022
Red WIllow County01002
Thurston County32312
York County20012
Adams County00001
Burt County00001
Butler County00201
Cass County34301
Cedar County00001
Chase County00001
Cherry County10011
Colfax County00021
Dawes County00011
Dawson County12021
Hall County21121
Harlan County01001
Hitchcock County00001
Jefferson County10001
Knox County01031
Madison County10311
Morrill County11001
Platte County10211
Scotts Bluff County32131
Seward County00101
Thayer County00101
Wayne County01011
Antelope County00100
Arthur County00000
Banner County00000
Blaine County00000
Boone County20000
Box Butte County01000
Boyd County10000
Brown County00010
Cheyenne County10100
Clay County00210
Cuming County00000
Custer County21000
Dakota County00100
Deuel County10000
Dixon County00000
Dundy County00010
Fillmore County10000
Franklin County11000
Frontier County00000
Furnas County01000
Gage County21010
Garden County10000
Garfield County00010
Gosper County00000
Grant County00000
Greeley County00000
Hamilton County01000
Hayes County00000
Holt County20000
Hooker County00000
Howard County00000
Johnson County20010
Kearney County00010
Keith County01100
Keya Paha County02000
Kimball County00000
Logan County00000
Loup County00000
Mcpherson County00000
Merrick County11000
Nance County01000
Nemaha County00110
Nuckolls County10000
Otoe County00000
Pawnee County00000
Perkins County00000
Pierce County10000
Polk County10000
Richardson County00100
Rock County10000
Saline County00100
Saunders County02300
Sherman County01100
Sioux County00000
Stanton County01000
Thomas County00000
Valley County00000
Washington County10000
Webster County00000
Wheeler County00000

2017 Deaths Caused by Speeding vs. Alcohol in Nebraska

– Teen Drinking & Driving

Teen drinking and driving is a serious problem. It is a danger to the teen driver, as well as other drivers and pedestrians.

Unfortunately, Nebraska ranks higher than the national average for both the number of under-18 DUI arrests and the under-21 drunk-driving death rate.

Under 18 DUI Arrests (NE)National AverageUnder 21 Drunk Driving Death Rate Per 100,000 population (NE)National Average
109102.821.31.2

– EMS Response Time

In case any accident does happen, how long will it take emergency medical services to arrive? The table below outlines the numbers in rural vs. urban areas.

Area TypeAverage Time of Crash to EMS
Notification
Average EMS Notification to
EMS Arrival
Average EMS Arrival at Scene
to Hospital Arrival
Average Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural6.3811.2230.349.8148
Urban1.844.9122.8828.9862

In rural areas, the average time it takes from the time of the crash to hospital arrival is over 40 percent more than in urban areas. Total crashes in rural areas are 58 percent more than in urban.

– Transportation in Nebraska

We’ll wrap up this Nebraska insurance guide with some numbers on car owners and commuters like you.

– Car Ownership

In Nebraska, most households have two cars, followed by households with 3.

– Commute Time

The average travel time for a Nebraska commute is 17.6 minutes. Employees in Nebraska typically have shorter commute times than the average nationwide, which is 25.5 minutes. A very small number of Nebraskans, less than 1 percent, have commutes over 90 minutes.

– Commuter Transportation

In Nebraska, it is most common to commute alone. over 80 percent of Nebraskans do. A little than under 10 percent carpool, and less than 5 percent work from home.

– Traffic Congestion

Nebraska has a lot of wide-open, rural areas beautiful for cruising and site-seeing. However, we’ll end by looking at it’s most congested areas.

According to INRIX, Omaha is the 58th-most-congested city in the United States and 212th in the world. Not too bad. 35 hours were spent in congestion in 2018, which cost $494 per driver.

Based on TomTom’s data, Omaha has a 14 percent congestion level. During peak times, there are seven additional minutes per 30-minute trip in the morning and 10 additional minutes per 30-minute trip in the evening.

Congestion levels on highways are 4 percent and non-highways are 17 percent.

Now that you are equipped with all the information needed to make a good decision on your car insurance, let’s get started.

Simply type your zip code below and find the best rates for your situation. Let’s start driving in Nebraska.

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