Cheapest car insurance for high-risk drivers in Nebraska

Cheapest car insurance in Nebraska for a bad driving record

If you have a poor driving record in Nebraska, Nationwide, Auto-Owners, Progressive are the cheapest options. Nationwide has the lowest annual rate at $1,872 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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?

In Nebraska, the average cost of high-risk car insurance is $3,297 per year. However, you may secure coverage from Nationwide for as low as $1,872 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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

Although many insurance companies provide coverage after a DUI, Auto-Owners offers the most affordable rate at $2,348 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Nebraska for drivers with a clean record versus those with a DUI.

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

For drivers with multiple tickets, Nationwide offers the lowest premiums, averaging $1,494 per year or $125 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Nebraska how much having multiple tickets can raise their insurance 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 has the cheapest rates for drivers with reckless driving convictions at $2,348 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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 has the lowest rates after an accident at $1,802 a year. Nationwide also has affordable rates at $2,110 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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 considered a high-risk driver in Nebraska, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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: