Finding cheap auto insurance in Nebraska is far more difficult than it should be. The reason is because different insurance companies cater to different types of drivers, and each has its own system for calculating premiums.
To help you find the best rates, our Geeks compared quotes from nine leading insurers, and we segmented our study into the following driver categories:
Best Rates For Drivers With No Recent Accidents
Being a safe driver will pay off in more ways than one. Besides reducing your risk of injury, a cautious approach to driving could also save you hundreds if you find an insurance company that offers a safe driver discount. If you live in Nebraska and you’ve never been in a collision, our team recommends that you compare rates from Allstate and Progressive.
Best Rates For Teen Drivers
You’re probably aware that accident rates are particularly high among teenagers. No matter how responsible a young driver is behind the wheel, it takes experience to be able to anticipate and avoid dangers on the road. As such, insurance companies see teenagers as a bigger liability. If you’re trying to find cheap auto insurance in Nebraska for a young driver, our study found that Allstate and Progressive are your best bets.
Best Rates For Drivers With A DUI
Since there are so many people with a DUI or DWI conviction, some car insurance companies actually cater to drivers in this category. If you’re sick of paying out the nose and you want to find cheap car insurance after a DUI or DWI in Nebraska, consider getting a quote from Allstate or Progressive.
Best Rates For Senior Drivers
If you’re an older adult and you don’t drive that often, consider getting a quote from Progressive and Allstate. Our study identified these two carriers as having the lowest auto insurance rates in Nebraska for drivers age 65.
The default motorist used in most parts of our study was a 29 year old who drove 12,000 miles annually. Our researchers averaged the rates of both males and females in five Nebraska zip codes. The car in our analysis was a 2014 Toyota Corolla. The teen motorist in our study was looking for coverage that met the state’s minimum insurance requirements, but for all other categories, we used liability limits of 50/100/25 and the same limits for uninsured motorist coverage.
How Much Car Insurance Coverage Are Motorists Required To Carry In Nebraska?
All drivers in Nebraska must buy a car insurance policy that covers $25,000 for bodily injury to one individual, $50,000 for bodily injuries in one wreck, and $25,000 for property damage. Uninsured motorist coverage for bodily injuries is required with minimum limits of $25,000 per person and $50,000 per crash.