- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Nebraska.
- The average annual cost of a full coverage policy in Nebraska with liability limits of 100/300/100 is $1,902 or $159 per month.
- The minimum liability coverage in Nebraska costs around $331 per year, based on CarInsurance.com’s data analysis.
When it comes to estimating the cost of car insurance in Nebraska, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Nebraska at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
Car insurance calculator Nebraska: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in Nebraska?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Nebraska by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,250 |
| Electric | $3,224 |
| Hatchback | $2,137 |
| Hybrid | $2,676 |
| Luxury Car | $3,792 |
| Luxury SUV | $3,131 |
| Minivan | $2,112 |
| Performance SUV | $3,759 |
| Sedan | $2,304 |
| Sports Car | $3,868 |
| Station Wagon | $2,755 |
| SUV | $2,072 |
| Truck | $2,384 |
| Van | $1,858 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Nebraska by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
Nebraska car insurance estimates for used cars
Insuring a used car in Nebraska typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in Nebraska for used cars by make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Nebraska
How much auto insurance do I need in Nebraska?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Nebraska per month?
In Nebraska, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $159 a month. On the other hand, state minimum coverage costs $28 and liability policy with limits 50/100/50 is $31 monthly.
Does your age impact how much you pay for insurance in Nebraska?
Young drivers often pay more for car insurance in Nebraska due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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