Cheapest car insurance for high-risk drivers in Nebraska

Which company has the 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, you'll 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?

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 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?

While many insurers offer coverage after a DUI, Auto-Owners provides the average cheapest coverage for $2,348 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

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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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

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

The cheapest Nebraska insurer for bad credit is Nationwide, with rates averaging $1,731 annually or $144 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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 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 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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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

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

Lincoln has the cheapest car insurance rates in Nebraska at $2,891 per year. But the most expensive city is Alliance with rates of $3,553 per year.

Your location in Nebraska also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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?

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

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.

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.

What are Nebraska's insurance requirements for high-risk drivers?

If you're a high-risk driver in Nebraska, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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: