Commonly Asked Questions about Car Insurance in Nebraska
Nebraska residents pay lower than average rates for car insurance. That doesn’t mean there isn’t still room for big savings. Independent insurance agents can help you find the lowest costs on the coverage you need.
The average cost for car insurance nationwide is $1,311. In Nebraska, residents pay an average of $1,086 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.
Driving on Nebraska roads can be dangerous. Accidents happen; and there are a number of risks you may not even know about. Here's what car insurance will do for you...
- Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
- Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
- Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
- Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."
Nebraska has a few requirements when it comes to car insurance, so be sure you're following the rules by talking with a Trusted Choice agent. These coverages are meant to protect you and pay for car damage and medical bills if you cause an accident.
The driver who caused the accident is responsible for covering the cost of damages.
It's impossible to tell who has proper insurance and who doesn't when you're behind the wheel. Nebraska drivers are generally more responsible than other populations around the country — 12.6% of U.S. drivers are uninsured — but many people still drive without auto coverage throughout the state.
That's where 'Uninsured Motorist Coverage' comes in. If an uninsured driver causes damage to you or your car, it can be hard to collect compensation from that driver. But this coverage will pay to fix your vehicle and handle your medical bills.
Nebraska does require you to have Uninsured Motorist coverage, so visit a local Trusted Choice agent today to discuss your options.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
How does car insurance actually work?
Find the Best Car Insurance in Your City
How does your city measure up to the national average?
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
| City | Commute time (min) | Auto thefts / 1,000 | Annual insurance cost |
| Alliance | 9.3 | 0.12 | $1,029 |
| Beatrice | 14.4 | 0.74 | $1,121 |
| Bellevue | 19.5 | 2.03 | $1,152 |
| Blair | 15.9 | 0.75 | $1,121 |
| Columbus | 14.7 | 0.7 | $1,098 |
| Crete | 13.1 | 0.56 | $1,083 |
| Fremont | 28.1 | 1.02 | $1,152 |
| Gering | 15 | 0.71 | $1,014 |
| Grand Island | 14.1 | 1.98 | $1,068 |
| Gretna | 22 | 0.6 | $1,114 |
| Hastings | 13.7 | 1.11 | $1,060 |
| Kearney | 14.5 | 0.6 | $1,060 |
| La Vista | 19.2 | 1.05 | $1,405 |
| Lexington | 15 | 1.37 | $1,128 |
| Lincoln | 15.3 | 1.19 | $768 |
| McCook | 10.1 | 1.59 | $1,029 |
| Nebraska City | 15.3 | 1.11 | $1,152 |
| Norfolk | 14.5 | 1.3 | $1,060 |
| North Platte | 13.3 | 1.06 | $1,068 |
| Omaha | 17.6 | 7.17 | $822 |
| Papillion | 21.1 | 1.07 | $1,121 |
| Scottsbluff | 12.1 | 1.2 | $1,021 |
| Seward | 20.2 | 0.14 | $1,152 |
| York | 12.3 | 0.75 | $1,060 |
- $89
- Grand Island, NE Car Insurance average monthly cost
- Residents of Grand Island pay an average of $89 per month for their auto insurance coverage. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Grand Island auto insurance is completely personalized and unique according to your driving history, vehicle, deductible amount, and more.
- Grand Island residents don't spend nearly as much time commuting as other drivers around the country. The good news is that this lowers auto insurance rates for most drivers in this city.
- Grand Island is generally a safe community, but break-ins and burglaries can happen without warning. Luckily, auto theft rates are lower here, which can decrease your overall auto insurance prices.
- $88
- Kearney, NE Car Insurance average monthly cost
- The average monthly cost of car insurance in Kearney is $88. When calculating your actual rate, insurance companies take several factors into account including such things as your gender, your driving record, and your car's make and model. This means your monthly cost could be significantly higher or lower than this average.
- Because Kearney drivers aren't spending as much time driving to and from work as most other drivers around the country, you can expect your auto insurance rates to be slightly lower than average. But that doesn't mean you can't get into a fender bender. To have peace of mind behind the wheel, let a Trusted Choice agent ensure you're properly covered.
- Kearney is such a small community, and auto thefts are extremely rare. But don't think you should skimp on coverage for "other than collision" incidents like fallen trees or vandalism. You're still at risk no matter how safe you think you are.
- $96
- Fremont, NE Car Insurance average monthly cost
- The average cost for car insurance in Fremont is $96 a month, though your rates may be significantly higher or lower than this amount. Your vehicle, your gender and your driving record are just some of the factors that will affect how much your pay for your coverage. Use your city’s average rate as a baseline, and talk to a Trusted Choice to find the best rates for the coverage you want.
- Fremont drivers spend more time on the road commuting than the average national driver. This means insurance rates could be higher since you're on the road for a longer period of time, and therefore have a higher risk of being involved in a collision.
- Auto thefts, break-ins and burglaries don't happen often in Fremont. But when they do, you don't want to be caught without financial protection. Luckily, comprehensive coverage rates are relatively low in this city, which can contribute to lower overall car insurance prices.
- $88
- Hastings, NE Car Insurance average monthly cost
- Residents of Hastings pay an average of $88 per month for their auto insurance coverage. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of unique factors. Let a Trusted Choice agent show you numerous Hastings car insurance quotes in a price range that won't break the bank.
- The more time you spend on the road, the more likely it is that you'll be in an accident. The good news is, Hastings drivers spend much less time commuting than the average national driver, and this helps keep insurance rates affordable.
- Hastings is not a high-crime place, but that doesn't mean you shouldn't think about property damage and vandalism when considering auto insurance. Fortunately, since the auto theft rate here is much lower than the national average, the cost of adding comprehensive coverage to your policy is lower than average.
- $89
- North Platte, NE Car Insurance average monthly cost
- The average monthly cost of car insurance in North Platte is $89. Insurance companies will take into account such things as your vehicle, gender, and driving record when calculating a personalized quote for you. Remember that your actual monthly cost could be higher or lower than this amount — it's just an average to use as a baseline.
- North Platte auto insurance rates are lower, partially because the average commute time for residents is much shorter than the national average. This is because the more time you spend behind the wheel, the greater your risk of an accident.
- You can ensure your car's security system is enabled, and you can hide valuables in the trunk, but an auto theft can happen unexpectedly. Luckily, this area of Nebraska is generally safe, which helps lower the cost of including comprehensive coverage to your auto insurance policy.
- $92
- Columbus, NE Car Insurance average monthly cost
- Residents of Columbus pay an average of $92 per month for their auto insurance coverage. Of course you should just use this amount as a benchmark. Your actual monthly cost could be significantly higher or lower than this amount depending on many factors including such things as your vehicle’s make and model, your driving record, and the amount of coverage you wish to buy.
- Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. But Columbus drivers typically spend a lower-than-average amount of time behind the wheel when commuting. Because of this, Columbus auto insurance is a bit lower than insurance in the rest of the country.
- The auto theft rate in Columbus is much lower than the national average, and this may help decrease insurance rates. But you should still take precautionary steps to protect your vehicle like parking under street lights and keeping valuables hidden out of view.
- $88
- Norfolk, NE Car Insurance average monthly cost
- The average monthly cost of car insurance in Norfolk is $88. Because your Norfolk car insurance is a personalized financial coverage plan, your actual monthly cost could be considerably higher or lower than this amount. Several factors such as your vehicle’s age, make and model, your driving record, and your coverage amount will all influence how insurance companies calculate your rate.
- While everyone's daily driving differs, it's commonly recognized that the more you're on the road, the greater your risk of being in an accident. Fortunately, Norfolk residents’ auto insurance rates may be lower due to lower average commuting times.
- Norfolk is generally a safe city — and its lower-than-average auto theft rate should give you peace of mind. But break-ins and burglaries can still happen without warning. As long as your policy includes comprehensive (“other than collision”) coverage, you can be compensated for losses caused by property crimes.