Cheapest car insurance for high-risk drivers in Nebraska

Cheapest car insurance in Nebraska for a bad driving record

Drivers with a poor record in Nebraska will find the lowest rates from Nationwide, Auto-Owners and Progressive. Among these, Nationwide provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,872 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Nationwide	$1,216	$1,872
Auto-Owners	$1,193	$2,384
Progressive	$1,964	$3,040
Allstate	$2,621	$3,250
GEICO	$2,372	$4,023
State Farm	$2,344	$4,133
USAA	$1,328	$1,991

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How much is high-risk car insurance in Nebraska?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Nebraska, high-risk car insurance costs $3,297 per year. However, you can get rates as low as $1,872 annually from Nationwide.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Nebraska, NE is $3,099

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Company	Annual premium for clean record	Annual premium after violation
Auto-Owners	$1,193	$1,802
USAA	$1,328	$1,974
Nationwide	$1,216	$2,110
State Farm	$2,344	$2,701
Progressive	$1,964	$3,398
Allstate	$2,621	$3,672
GEICO	$2,372	$4,935

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Nebraska?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Nebraska with a DUI

While many insurers offer coverage after a DUI, Auto-Owners has the lowest rate at $2,348 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Nebraska.

Company	Average annual premium for clean record	Annual premium for a DUI
Auto-Owners	$1,193	$2,348
Progressive	$1,964	$2,369
Nationwide	$1,216	$2,508
State Farm	$2,344	$2,522
Allstate	$2,621	$3,376
GEICO	$2,372	$7,961
USAA	$1,328	$2,756

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Cheapest car insurance in Nebraska with multiple tickets

The cheapest insurer for drivers with multiple tickets is Nationwide, with rates averaging $1,494 annually or $125 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Nebraska drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Nationwide	$1,216	$1,494
Auto-Owners	$1,193	$1,867
State Farm	$2,344	$2,522
GEICO	$2,372	$2,556
Progressive	$1,964	$2,815
Allstate	$2,621	$2,867
USAA	$1,328	$1,656

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Cheapest car insurance in Nebraska with a reckless driving conviction

Auto-Owners offers the most affordable rates for drivers with reckless driving convictions, averaging $2,348 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Auto-Owners	$1,193	$2,348
Nationwide	$1,216	$2,508
State Farm	$2,344	$2,522
Allstate	$2,621	$3,376
Progressive	$1,964	$4,186
GEICO	$2,372	$5,029
USAA	$1,328	$1,881

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Cheapest car insurance in Nebraska with bad credit

In Nebraska, Nationwide provides the lowest premiums for drivers with poor credit, averaging $1,731 per year or $144 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Nebraska.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,216	$1,731
Progressive	$1,964	$3,241
GEICO	$2,372	$3,479
Auto-Owners	$1,193	$3,491
Allstate	$2,621	$4,145
State Farm	$2,344	$12,185
USAA	$1,328	$2,339

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Cheapest car insurance after an accident in Nebraska

Auto-Owners offers the lowest rates after an accident, averaging $1,802 per year. Nationwide is another budget-friendly option, with rates around $2,110 a year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Auto-Owners	$1,193	$1,802	$2,208
Nationwide	$1,216	$2,110	$2,911
State Farm	$2,344	$2,701	$2,701
Progressive	$1,964	$3,398	$4,489
Allstate	$2,621	$3,672	$4,601
GEICO	$2,372	$4,935	$6,501
USAA	$1,328	$1,974	$3,451

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Cheapest car insurance in Nebraska by city

Lincoln has the cheapest car insurance rates in Nebraska, averaging $2,891 a year. However, the most expensive city is Alliance, with average insurance rates of $3,553 annually.

Where you live in Nebraska also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Lincoln	$1,668	$2,891
Papillion	$1,723	$2,984
Fremont	$1,740	$2,988
Henderson	$1,772	$3,012
Bennington	$1,763	$3,038
Bellevue	$1,772	$3,072
Fairbury	$1,870	$3,175
De Witt	$1,865	$3,185
Hallam	$1,891	$3,219
Omaha	$1,944	$3,383
Alliance	$2,102	$3,553

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How to reduce car insurance rates in Nebraska for a bad driving record

Finding affordable car insurance in Nebraska is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Nebraska?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Nebraska car insurance laws for high-risk drivers

If you're a high-risk driver in Nebraska, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.