Who Has the Cheapest Car Insurance for Drivers with Accidents in Nebraska?

Who Has the Cheapest Car Insurance for Drivers with Accidents in Nebraska?

The model of vehicle to be insured is one of the biggest factors when trying to find the cheapest auto insurance for drivers with accidents in Nebraska. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than safer models.

The lists below illustrates auto insurance prices for the most budget-friendly vehicles to insure.

Insurance Rates for Popular Cars in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $2,120 $1,060 $177
Ford Fusion Hybrid 4-Dr Sedan $2,684 $1,342 $224
Honda Accord EX 4-Dr Sedan $1,786 $893 $149
Hyundai Elantra SE 4-Dr Sedan $2,222 $1,111 $185
Kia Optima EX $2,420 $1,210 $202
Nissan Altima Hybrid 4-Dr Sedan $2,248 $1,124 $187
Toyota Camry Hybrid $2,420 $1,210 $202
Toyota Corolla LE $2,222 $1,111 $185
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Data based on single male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific garaging location which can influence auto insurance rates substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,918 $959 $160
BMW X5 3.5D AWD $2,406 $1,203 $201
Buick Enclave CX 2WD $2,248 $1,124 $187
Chevrolet Suburban LS 2WD $2,146 $1,073 $179
Chevrolet Traverse LS AWD $1,840 $920 $153
Ford Escape Limited 2WD $1,814 $907 $151
Ford Explorer Limited 4WD $2,146 $1,073 $179
GMC Acadia SLE AWD $2,120 $1,060 $177
Honda CR-V EX-L 2WD $1,814 $907 $151
Honda Pilot Touring 4WD $2,146 $1,073 $179
Jeep Grand Cherokee Laredo 4WD $2,120 $1,060 $177
Nissan Pathfinder SE 2WD $2,016 $1,008 $168
Toyota 4Runner SR/5 2WD $1,944 $972 $162
Toyota Highlander Limited 2WD $2,276 $1,138 $190
Toyota RAV4 Limited 4WD $2,120 $1,060 $177
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Data variables include single male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can affect coverage prices significantly.

Auto Insurance Rates for Popular Pickup Trucks in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $2,092 $1,046 $174
Chevrolet Silverado LS Extended Cab 4WD $2,120 $1,060 $177
Dodge Ram 2500 Mega Cab Laramie 4WD $2,448 $1,224 $204
Dodge Ram Quad Cab TRX4 Off Road 4WD $2,448 $1,224 $204
Ford F-150 FX2 2WD $2,146 $1,073 $179
Ford F-350 Super Cab Harley Turbo Diesel 4WD $3,070 $1,535 $256
GMC Sierra 2500HD SLE Crew Cab 4WD $2,248 $1,124 $187
GMC Sierra SLE Regular Cab 2WD $2,120 $1,060 $177
Toyota Tacoma Double Cab 4WD $2,120 $1,060 $177
Toyota Tundra SR/5 Crew Max 2WD $2,292 $1,146 $191
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Data rating is based on single male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can decrease or increase coverage prices significantly.

Deciphering which companies offer the cheapest auto insurance rates for drivers with accidents takes a little more effort in order to find the lowest price.

Every auto insurer uses different criteria to establish rates, so we’ll go over the most affordable auto insurance companies in Nebraska. It’s important to know that Nebraska auto insurance rates are calculated based on many things that can increase the cost of your policy. Getting older, getting divorced, or getting a ticket for careless driving can trigger price changes that can cause some rates to be cheaper than competitors.

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Safeco quotes some of the most affordable car insurance rates in Nebraska at around $788 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the cheapest Nebraska car insurance companies.

In the rate table above, if you are insured with Allied and switched to Safeco, you might see a yearly savings of roughly $161. Drivers with Farmers Mutual of Nebraska may save as much as $191 a year, and Farm Bureau Mutual policyholders might see rate reductions of $202 a year.

To find out how your current rates compare, click here to start your custom quote or visit any of the low-priced companies below.

It’s important to note that these policy prices are averages for all types of insureds and vehicles and are not factoring in a price increase for drivers with accidents. So the insurer that can offer the best rates for your situation may not even be shown in the chart above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

When shopping for cheaper insurance for drivers with at-fault accidents, one of the many criteria that is used to calculate the amount you pay for auto insurance is where you choose to live in Nebraska. Cities that have higher claim levels or more people like Scottsbluff, Gering, and South Sioux City are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of the cheapest auto insurance for drivers with accidents in Nebraska.

The table below shows the higher priced cities in Nebraska for drivers with accidents to buy an auto insurance policy in.

Most expensive Nebraska cities for auto insurance
Rank City Annual Rate
1 Scottsbluff $1,360
2 McCook $1,318
3 Gering $1,317
4 Alliance $1,314
5 South Sioux City $1,303
6 Beatrice $1,272
7 Lexington $1,264
8 North Platte $1,262
9 Kearney $1,236
10 Seward $1,227
11 Nebraska City $1,224
12 Omaha $1,220
13 Crete $1,210
14 Bellevue $1,190
15 Blair $1,188
16 Hastings $1,182
17 York $1,156
18 Columbus $1,150
19 Fremont $1,131
20 Papillion $1,129
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Annual rates are estimated as the specific area where the vehicle is garaged can change coverage prices substantially.

Choosing the top company can be challenging considering how many companies sell insurance in Nebraska. The ranking information in the lists below could help you select which auto insurers to look at when shopping your coverage around. These ratings are only made up of companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in the list.

Top 10 Major Auto Insurance Providers in Nebraska Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Major Auto Insurance Providers in Nebraska Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. Esurance
  10. The General

Cost comparison with and without full coverage

Finding the cheapest auto insurance for drivers with accidents in Nebraska is important to the majority of people, and one way to buy cheaper insurance is to only pay for liability coverage. The example below shows the difference between insurance prices with full phyical damage coverage and with liability coverage only. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

On average, physical damage insurance costs $1,263 per year over liability only. A very common question is if you should buy full coverage at all. There isn’t a steadfast formula for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

Geico, State Farm, Allstate, and Progressive: Who is cheapest?

When buying auto insurance for drivers with at-fault accidents in Nebraska, some of the first companies to look at are Geico, State Farm, Allstate, and Progressive. Between them, they make up 48.5% of the entire U.S. auto insurance market. All of them have slightly different coverages and options that may influence your choice. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.

Auto Insurance Companies Compared
Geico State Farm Allstate Progressive
Price Rank 1st 2nd 4th 3rd
Discounts Available 2nd 3rd 1st 4th
Client Satisfaction 1st 4th 2nd 3rd
Handling of Claims 3rd 2nd 1st 4th
U.S. market share 11.4% 18.3% 10% 8.8%
Customer recommendation 87% 88% 86% 88%
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
New car replacement No No Yes No
Mechnical breakdown Yes No No Yes
Rate for vehicle usage No Yes Yes Yes
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