Good news for Nebraska drivers: Jerry’s latest data shows that liability coverage in the Cornhusker State averages around $281 per month. Nebraska is an at-fault state, which means the driver who causes a crash is responsible for paying the damages. And insurers factor that risk heavily when setting rates. Over the past year, we’ve helped 2,261 Nebraskans secure cheaper coverage. Drivers who purchase through Jerry save an average of $1,635 a year, without cutting corners on protection.
Jerry compares quotes from up to 8 trusted insurers inNebraska, helping you build a policy and land your best rate in minutes.
Save on Nebraska insurance with Jerry.
What Nebraska drivers are paying right now
Car insurance costs in Nebraska shift with weather trends, claim rates and even seasonal driving patterns. Two drivers with similar cars and spotless records can still see very different premiums depending on where they live, from busy Omaha streets to open stretches along I-80.
Jerry tracks live quotes statewide to give you a real-time look at what drivers are actually paying. Here are a few recent examples of full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate regularly. In Nebraska, hailstorms, icy winter roads and shifts in local claim activity can move your premium by renewal time.
4 easy ways Jerry helps Nebraska drivers save with Jerry
If you’re trying to lower your car insurance costs in Nebraska, you’re not alone. But the cheapest quote isn’t always the best deal, especially in an at-fault state where even minor collisions can lead to expensive liability claims.
Jerry keeps things simple: we compare real quotes, surface discounts you may not know about, and show you exactly where you can save without sacrificing the coverage you count on.
Here are the best ways Nebraska drivers save with Jerry.
| How to save | Average Nebraska driver savings |
|---|---|
| Compare quotes | 46% to 78% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Nebraska’s insurance pricing varies widely by company. Rural areas typically have lower claim frequency, while cities like Omaha and Lincoln see heavier traffic and higher collision risks. Add in Nebraska’s volatile hail seasons, which are among the worst in the country, and insurers price policies very differently.
Comparing rates side-by-side with Jerry is the fastest way to make sure you’re not overpaying.
Here’s where Nebraska drivers who saved switched to after comparing with Jerry:
| Insurance carrier | Nebraska drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location plays a big role in Nebraska. Drivers in Grand Island or Scottsbluff often pay far less than those in Omaha, simply because of claim volume. Jerry helps you compare these differences instantly and find coverage that fits your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Nebraska drivers qualify for several discounts, like bundling home and auto, safe-driver rewards, anti-theft devices, paperless billing and more. But insurers don’t always apply these automatically.
Jerry finds every discount you qualify for so you don’t miss savings you’ve earned.
Key takeaway: Stacking discounts often brings bigger savings than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to adjust your premium, and increasing it can cut costs. Just make sure you could cover that amount out of pocket if you file a claim after an accident, especially in a state with icy winters and heavy deer-collision rates.
Here’s what many Nebraska drivers on Jerry pick for their deductibles:
To find your ideal deductible:
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Review your car’s current value (Jerry updates this automatically).
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Pick an amount you could realistically pay after a surprise repair.
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Use Jerry to see how each deductible option affects your rate instantly.
The Jerry difference: Jerry displays savings across multiple deductible levels so you can choose the best balance of cost and coverage.
Jerry Agent Tip 4: Build a policy you can afford to keep
Telematics programs that track how, when and how much you drive can help Nebraska drivers bring their premiums down. Many insurers reward habits like gentler braking, lower mileage and avoiding late-night or winter-storm driving. All of this is especially relevant in a state known for icy roads and long highway stretches.
Jerry’s DriveShield builds on those savings. It monitors your driving, scores your habits and automatically shops for lower rates when your score qualifies you for a discount. We only share your drive score with insurers when it could actually reduce your price. On average, Jerry drivers save 14% to 26% with DriveShield.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Nebraska requires every driver to carry 25/50/25 liability and uninsured/underinsured motorist coverage. However, the right policy goes beyond the legal minimum, especially with the state’s severe weather and high deer-collision risk.
Here are Nebraska’s common coverage levels:
Minimum
$56 – $117/mo
Meets Nebraska’s liability and UM/UIM requirements; does not cover damage to your own vehicle.
Full
$116 – $259/mo
Adds collision and comprehensive coverage, often required if your car is financed or leased.
Preferred
$155 – $403/mo
Higher liability limits, lower deductibles and extras like towing and rental reimbursement for maximum peace of mind.
Key takeaway: Start with your comfort level around risk and your vehicle’s value. Jerry shows real-time prices for each coverage tier so you can choose with confidence.
Nebraska’s cheapest option is minimum liability and uninsured/underinsured motorist coverage (UM/UIM), but adding comprehensive or collision can make a major difference when hail, wildlife or winter weather strikes.
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Coverage definitions
Nebraska insurance factors at a glance
Nebraska’s insurance costs are shaped by several unique factors. Here are the biggest ones to consider.
Hailstorms and severe weather
Nebraska regularly ranks among the top states for hail losses. Comprehensive coverage is highly recommended.
Deer collisions
Wildlife-related crashes surge in fall; Nebraska consistently reports above-average deer-strike rates.
Urban vs rural pricing
Drivers in Omaha or Lincoln face higher premiums due to congestion and theft rates compared to rural areas.
Uninsured drivers
Roughly 10% of Nebraska drivers are uninsured, making UM/UIM coverage essential.
Nebraska Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t define your rates for years, but Jerry makes sure it doesn’t. Even with a less-than-perfect record, you can still secure competitive pricing.
Jerry works with top insurers that take a balanced view of violations and automatically re-shops your policy as your record improves.
If you got a ticket
Nebraska assigns points for speeding and other moving violations, and accumulating too many within two years can lead to a suspension. A single ticket can raise your premium 15% to 30%, depending on severity.
Completing a state-approved safety course may help reduce points or qualify you for a discount. Jerry automatically looks for lower rates once your violation clears.
The average rate increases for Nebraska drivers after a citation are:
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Speeding under 15: 38%
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Speeding over 15: 82%
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Reckless driving: 10%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Nebraska is an at-fault state, so the driver responsible pays the damages. An at-fault crash typically raises rates by an average of 17%, and those increases can last three to five years.
Jerry helps you secure the lowest available price right away and automatically re-shops your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $282 |
| At Fault With Injury | $333 |
| At Fault With No Injury | $349 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Nebraska brings steep penalties and a significant increase in insurance rates. Prices remain elevated for several years, but some insurers offer more reasonable rates for high-risk drivers.
Jerry identifies those carriers and continually re-shops your coverage as your record improves.
The cheapest insurance companies for Nebraska drivers with a DUI are:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $184 | Yes | |
| $248 | Yes | |
| $258 | Yes | |
| $260 | Yes | |
| $332 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Nebraska
Nebraska may require an SR-22 filing after certain violations, insurance lapses or license suspensions. Check the SR-22 option in the Jerry app, and we’ll only show insurers that process the filing. Many carriers charge around $25 per year for SR-22 paperwork.
Car Insurance with Bad Credit
Nebraska allows insurers to consider credit-based insurance scores, which means your credit can influence your rate. Still, maintaining continuous coverage, choosing the right deductible and comparing quotes regularly often have an even stronger impact on your premium.
Jerry helps you compare rates instantly so you always land the best deal available.
Drive with confidence
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Nebraska’s mix of unpredictable weather, long rural commutes, wildlife collisions and metro-area congestion means there’s no one policy with the cheapest car insurance. Instead, the right coverage is the one that protects you based on how and where you actually drive.
Jerry makes it easy to build a policy tailored to life in Nebraska and stay protected year-round.
Get Nebraska coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
