Cheapest car insurance for high-risk drivers in Nebraska

Which company has the cheapest car insurance in Nebraska for a bad driving record?

Nationwide, Auto-Owners and Progressive offer some of the cheapest rates for drivers with poor driving records in Nebraska. Among them, Nationwide has the lowest average 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, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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?

The average cost of high-risk car insurance in Nebraska is $3,297 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,872 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

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

Show Graph View

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 a high-risk driver 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.

What company offers the cheapest car insurance in Nebraska after a DUI?

Auto-Owners has the cheapest average DUI insurance rates in Nebraska at $2,348 annually.

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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What is the cheapest car insurance in Nebraska with multiple tickets?

Nationwide has the cheapest average rates for drivers with multiple tickets at $1,494 annually or $125 monthly.

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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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Nebraska?

Auto-Owners provides the cheapest average reckless driving insurance rates in Nebraska at $2,348 per 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Nebraska?

Nationwide offers the lowest average car insurance rates in Nebraska for drivers with bad credit, at $1,731 per year or $144 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Nebraska car insurance.

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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What company has the cheapest car insurance in Nebraska after an accident?

Auto-Owners offers the cheapest average post-accident rates in Nebraska at $1,802 annually. Nationwide also provides relatively affordable rates at $2,110 per year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is the cheapest for high-risk car insurance in Nebraska?

Lincoln has the cheapest average high-risk car insurance rates in Nebraska at $2,891 annually. In comparison, Alliance has the highest average premiums at $3,553 per year.

Where you live in Nebraska matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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 can high-risk drivers lower their car insurance rates in Nebraska?

High-risk drivers in Nebraska can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. 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 Nebraskadepends 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.

What are Nebraska's insurance requirements 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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Nebraska

Can high-risk drivers get full coverage car insurance in Nebraska?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Nebraska?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.