Cheap Auto Insurance for First-time Drivers in Nebraska

Cheap Auto Insurance for First-time Drivers in Nebraska

One of the key components that play a part in determining the annual cost of car insurance is your address in Nebraska. Cities that have higher claim levels or more people like Gering, Scottsbluff, and South Sioux City tend to have more expensive auto insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The next table illustrates the most expensive areas in Nebraska for first-time drivers to purchase car insurance in.

Nebraska cities ranked by car insurance cost
Rank City Annual Premium
1 Gering $1,343
2 Alliance $1,340
3 Scottsbluff $1,334
4 McCook $1,331
5 South Sioux City $1,303
6 Lexington $1,277
7 Beatrice $1,259
8 North Platte $1,250
9 Crete $1,234
10 Omaha $1,233
11 Seward $1,227
12 Kearney $1,200
13 York $1,191
14 Blair $1,188
15 Hastings $1,182
16 Fremont $1,177
17 Nebraska City $1,176
18 Bellevue $1,155
19 Columbus $1,150
20 Grand Island $1,136
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Rate quotes are estimated as the specific garaging location can raise or lower price quotes greatly.

Finding good, low-cost insurance is difficult, and finding out which company quotes the most affordable car insurance rates for first-time drivers will involve even more diligence. Policy rates will be quite a bit more expensive than the average rate in Nebraska, with the higher price attributed to the higher likelihood of claims that goes along with selling insurance for new drivers, but competitively-priced insurance may be available if you do a thorough comparison. Every car insurance company has a different process for determining rates in each state, so we’ll take a look at the overall cheapest car insurance companies in Nebraska.

Find the Cheapest Car Insurance for Inexperienced Drivers

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What’s the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $804
2 The Hartford $839
3 Allied $911
4 Auto-Owners $923
5 Farmers Mutual of Nebraska $989
6 Nationwide $1,007
7 Farm Bureau Mutual $1,020
8 State Farm $1,033
9 American National $1,054
10 General Casualty $1,114
11 USAA $1,116
12 American Family $1,246
13 California Casualty $1,270
14 MetLife $1,332
15 Iowa Mutual $1,347
16 EMC $1,354
17 GEICO $1,362
18 Progressive $1,417
19 Farmers $1,634
20 North Star $1,710
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Safeco quotes some of the best car insurance rates in Nebraska at around $804 a year. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also make the cut as some of the cheapest Nebraska auto insurance companies.

As depicted above, if you are a customer of The Hartford and switched to Safeco, you could earn an annual premium reduction of in the vicinity of $35. Policyholders with Allied might save as much as $107 a year, and Auto-Owners customers might lower prices by $119 a year.

Remember that these policy prices are averaged across all drivers and vehicles and and are not figured with a rate increase for first-time drivers. So the auto insurance company that is most affordable for your situation may not even be in the above rate chart. That is why you need to compare prices as often as possible using your own driver data and vehicle information.

Finding the top insurer can be rather challenging considering how many different companies sell coverage in Nebraska. The information in the next section could help you analyze which insurers you want to consider comparing prices from. These ratings include companies with a nationwide focus, so companies that only write business in Nebraska or surrounding areas are not taken into consideration for these rankings.

Top Car Insurance Companies for First-time 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
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Violations and accidents raise rates

In a perfect world, the best way to obtain cheap auto insurance for first-time drivers in Nebraska is to be a safe driver and avoid getting tickets or having accidents. The example below demonstrates how traffic citations and accident claims can influence car insurance rates for different categories of driver ages. Data assumes a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Nebraska per year with no violations or accidents is $1,330. Add in one speeding ticket and the average cost jumps to $1,544, an increase of $215 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for first-time drivers jumps again to an average of $2,155. That’s an increase of $825, or $69 per month, just for not driving safely!