Nebraska Insurance Agencies by County

How to Lower Your Car Insurance in Nebraska (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Nebraska? Whether you’re commuting in Omaha or Lincoln, or driving long rural highways, there are smart ways to keep premiums down. This overview explains how Nebraska insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Nebraska Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Credit score – Nebraska allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Rates can vary by city/county based on claim frequency and theft risk.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Nebraska

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Nebraska Minimum Auto Insurance Requirements

Nebraska generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Hail, Wind, and Comprehensive Coverage

Nebraska drivers often deal with hail storms, strong winds, and severe weather. Comprehensive coverage can help protect your vehicle from non-collision damage such as hail, theft, vandalism, falling objects, and storm-related losses (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.