Cheapest Car Insurance Quotes for Good Drivers in Nebraska

Cheapest Car Insurance Quotes for Good Drivers in Nebraska

The vehicle that needs insurance is one of the largest considerations when consumers are trying to find the cheapest auto insurance for good drivers in Nebraska. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The next table presents insurance rates for some of the cheaper vehicles to insure.

Cheapest Auto Insurance Rates for Good Drivers in Nebraska
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $635
Honda Accord LX-P 4-Dr Sedan $642
Hyundai Tucson GLS 4WD $710
Ford Explorer XLT 2WD $720
Ford Escape XLS 2WD $716
Honda Odyssey EX $736
Dodge Grand Caravan Hero $750
Ford F-150 STX Regular Cab 2WD $759
Toyota Highlander SE 2WD $762
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $773
Ford Focus SES 4-Dr Sedan $777
Ford Edge SE 2WD $788
Toyota Prius $793
Chevrolet Traverse LTZ 2WD $802
Volkswagen Jetta SE 4-Dr Sedan $804
Kia Forte EX 4-Dr Sedan $807
Chevrolet Equinox LS 2WD $820
Toyota RAV4 Limited 4WD $826
Hyundai Santa Fe GLS 4WD $820
Subaru Forester XT AWD $831
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in vehicle location which can decrease or increase insurance rates noticeably.

Looking at the numbers, cars like the Honda CR-V, Honda Accord, Hyundai Tucson, Ford Explorer, and Ford Escape are most likely going to be a few of the less-costly vehicles to insure for safe drivers.

Finding out which company has the cheapest car insurance rates for good drivers may require a little more sweat in order to find the lowest price quote. Each auto insurance company has their own process to establish rates, so let’s take a look at the car insurance companies that tend to be cheaper in Nebraska.

It’s important that readers know that Nebraska car insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Simply getting older, becoming a homeowner, or having an accident can trigger price changes that can now make some companies more affordable than before.

Best Car Insurance Prices for Good Drivers

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Cheapest insurance companies in Nebraska
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $865
3 Allied $921
4 Auto-Owners $932
5 Nationwide $997
6 Farmers Mutual of Nebraska $1,009
7 Farm Bureau Mutual $1,020
8 American National $1,065
9 State Farm $1,075
10 General Casualty $1,081
11 USAA $1,116
12 American Family $1,246
13 MetLife $1,280
14 Iowa Mutual $1,295
15 California Casualty $1,296
16 EMC $1,314
17 GEICO $1,322
18 Progressive $1,445
19 Farmers $1,650
20 North Star $1,659
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Safeco offers some of the most affordable car insurance rates in Nebraska at around $780 per year. The Hartford, Allied, Auto-Owners, and Nationwide would also make the list of some of the more affordable Nebraska auto insurance companies.

As shown in the table above, if you currently buy coverage from Auto-Owners and switched to Safeco, you could see annual savings of about $152. Nebraska drivers with Nationwide may save as much as $217 a year, and Farmers Mutual of Nebraska policyholders might reduce rates by $229 a year.

Bear in mind that those premiums are averaged across all types of insureds and vehicles and do not take into consideration a rate discount for good drivers. So the car insurance company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That illustrates why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Insuring your vehicle with a highly-rated company is hard considering how many companies there are to choose from in Nebraska. The company rank data shown below could help you choose which providers you want to consider shopping your coverage with. These rankings are only made up of the largest companies in the United States, so companies with more of a regional focus will not be included in these rankings.

Top 15 Car Insurance Companies for Good Drivers
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Best Car Insurance Companies

How to get discounts on Nebraska insurance

Cheaper Nebraska car insurance for safe driversInsurance providers that sell the cheapest auto insurance for good drivers in Nebraska may also give you special discounts that can lower rates by 25% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts are outlined below.

  • GEICO may offer discounts for anti-theft, seat belt use, daytime running lights, federal employee, anti-lock brakes, emergency military deployment, and membership and employees.
  • Travelers may have discounts that include multi-policy, home ownership, continuous insurance, good student, and IntelliDrive.
  • Nationwide offers premium reductions for Farm Bureau membership, anti-theft, good student, easy pay, and multi-policy.
  • Farmers Insurance may include discounts for multi-car, electronic funds transfer, good student, mature driver, homeowner, distant student, and switch companies.
  • Esurance offers discounts including anti-theft, Switch & Save, defensive driver, emergency road assistance, and good student.
  • State Farm discounts include Steer Clear safe driver discount, good driver, good student, accident-free, anti-theft, and defensive driving training.
  • Progressive has savings for multi-policy, continuous coverage, online signing, multi-vehicle, and online quote discount.
  • Mercury Insurance has discounts for accident-free, good driver, good student, multi-policy, and annual mileage.

The example below shows the comparison of auto insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, anti-theft, accident-free, passive restraint, safe-driver, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for good drivers is 28% or $455.

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Allstate vs Geico vs State Farm vs Progressive

When shopping for auto insurance for safe drivers in Nebraska, some of the first companies to look at are Allstate, Geico, State Farm, and Progressive. When added together, they insure almost half of the entire U.S. car insurance market. All of them have slightly different coverage options that may affect your buying decision. The following table ranks some of the different options that are available for buyers.

Comparison of Top Four U.S. Car Insurance Companies
Allstate Geico State Farm Progressive
Claims Handling 1st 3rd 2nd 4th
Policy Cost 4th 1st 2nd 3rd
Number of Discounts 1st 2nd 3rd 4th
Client Satisfaction 2nd 1st 4th 3rd
U.S. market share 10% 11.4% 18.3% 8.8%
Percent of customers who recommend 86% 87% 88% 88%
Accident forgiveness Yes Yes No Yes
Usage-based insurance Yes No Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
New car replacement coverage Yes No No No
Mechanical breakdown insurance No Yes No Yes
Coverage in Nebraska Yes Yes Yes Yes
Where you can buy Allstate exclusive agents Both online and from Geico agents Only from State Farm agents Indpendent agents or online
Number of agents 11,000+ 150+ 18,000+ 30,000+
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