Nebraska car insurance calculator

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If you’re driving in Nebraska, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our Nebraska car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in Nebraska. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

Nebraska car insurance calculator

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in Nebraska

Car insurance rates in Nebraska can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $1,861 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in Nebraska, the yearly insurance might be $1,972. So, it’s $111 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Nebraska using car model year

In Nebraska and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,462 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,942 annually.

Does the cost of car insurance in Nebraska decrease as a vehicle gets older?

Usually, in Nebraska, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Nebraska.

People driving a 2020 Honda Accord LX in Nebraska usually pay $119 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $165 each month in Nebraska, which is $46 more than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Nebraska by city

Car insurance cost estimate in Nebraska

The average premium for car insurance in Nebraska is $2,018 per year or $168 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Nebraska for different coverage levels.

Car insurance in Nebraska usually costs about $2,018 per year or $168 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in Nebraska for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$383	$2,018	$241	$350

The bottom line: Nebraska car insurance calculator

The Nebraska car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.