Buying Auto Insurance Online in America

For Buying Auto Insurance Online and comparing costs in all 50 states, or for reviewing top U.S. colleges, exploring American culture, gathering economic data, and more, visit any of the links shown below.

This page outlines the latest facts, stats, and rates pertaining to Nebraska auto insurance.

Read on to score the cheapest possible annual premium package on your Nebraska car insurance.

Shown above: "Carhenge" near Alliance, Nebraska

average auto insurance rates

The Average Annual Auto Insurance Premium for a vehicle owned in the state of Nebraska was around $1,214 for this year, a bit lower than the overall national average, which was about $1,365 over the same time period.

Nebraska's slightly lower than average premiums may be a function of any or all of the following factors:

  • relatively low crime rates
  • low percentage of uninsured vehicles
  • low rate of fatalities from DUI and speeding
  • low population density
  • super strong economy

penalties for uninsured drivers

The penalty for getting ticketed while operating an uninsured car in Nebraska is license suspension until proof of car insurance is provided.

Uninsured Nebraska drivers also face fines, reinstatement fees, and jacked up annual premiums. 

minimum liability coverage for vehicles owned in nebraska

By state law, Nebraska car owners are required to purchase a minimum insurance coverage of 25/50/25 for each owned vehicle.

In other words, drivers in the state of Nebraska must have $25,000 in personal injury protection, $50,000 in coverage for death or injury to others, and $25,000 to cover the cost of property damage.

United States insurance experts recommend 100/300 injury coverage per vehicle, in Nebraska and in all U.S. states, along with Uninsured Motorist (UMI) protection. 

Despite the above mentioned legally required minimums, roughly eight percent of vehicles on Nebraska roads are uninsured. 

lowering the cost of nebraska car insurance

Nebraska drivers reduce car insurance premiums in a number of ways. For instance, most carriers offer discounts to encourage safe driving habits. Many discounts can be combined into a single policy. Available discounts include

  • Good Driver discounts,
  • Accident Free discounts,
  • Good Student discounts,
  • Senior Citizen discounts,
  • Multiple Policy discounts
  • Vehicle Safety discounts

...and more. 

There is no limit to the number of discounts you can have on your policy. So ALWAYS ask about the discounts! Grab every discount you qualify for. They really do add up to significant savings on annual auto insurance premiums. 

Other rate-reducing tactics include

  • Paying off annual premiums in advance
  • Accepting a slightly raised deductible
  • Living alone, or with low-risk drivers
  • Not driving for three years, thereby creating a perfect, mishap-free "driving" record. 
  • Own a basic used car with safety features installed. This will be cheaper to insure. You don't really need a BMW. 

Buying Auto Insurance Online

Based on recent consumer reports, the most popular auto insurance carriers in the state of Nebraska are

  1. Acuity Insurance
  2. Allianz
  3. Farmers Mutual
  4. Amica Mutual
  5. Geico
  6. Travelers Insurance
  7. Nationwide Insurance
  8. State Farm Insurance
  9. Progressive Insurance
  10. Farmers Insurance
  11. American Family Insurance

For Buying Auto Insurance Online, start by obtaining five or six FREE online quotes.

Then call a few agents in your area for more free quotes. When you speak to each agent, inquire about every possible discount. 

Then simply factor in the discounts, compare rates, and select the cheapest premium package that works for you.

That's really all it takes to save hundreds of dollars every year on car insurance.

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