Best Cheap Auto Insurance for Good Students in Nebraska

One of the many components that play a part in determining the price you pay for insurance is where you call home in Nebraska. Regions with more people or even just more weather-related claims like Gering, Lexington, and North Platte tend to pay higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay less for insurance.

The illustration below sorts the highest-priced places in Nebraska for good students to buy an auto insurance policy in.

Rates are comparative as the specific zip code location can revise prices substantially.

The vehicle you are insuring is one of the largest factors when looking for the best cheap auto insurance for good students in Nebraska. Vehicles with reasonable performance levels, a great safety record, or a positive history of liability claims will cost much less to insure than fast, unsafe models.

The information below illustrates auto insurance costs for a selection of the most cost-effective vehicles to insure in Nebraska.

Data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can affect rates noticeably.

Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in Nebraska location which can lower or raise rates considerably.

Prices based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific Nebraska garaging location which can decrease or increase premium rates substantially.

How to find a good Nebraska car insurance company

Ending up with the top auto insurance company can be rather challenging considering how many companies sell insurance in Nebraska. The company ratings shown below can help you choose which auto insurance companies you want to consider when shopping insurance around for good students. These ratings are for large insurance companies, so companies with more of a regional focus are not factored into the list.

Top 10 Large Auto Insurers in Nebraska Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Large Auto Insurers in Nebraska Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Rate increases following a ticket or accident

The best way to get the best cheap auto insurance for good students in Nebraska is to pay attention while driving and avoid at-fault accidents and violations. The illustration below illustrates how traffic citations and at-fault collisions can raise auto insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of car insurance in Nebraska per year with no accidents and a clean driving record is $1,618. Get written up for two speeding tickets and the average cost jumps to $2,303, an increase of $685 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for good students increases to an average of $4,852. That’s an increase of $3,234, or $269 per month, just for not maintaining a clean driving record!

Progressive, Geico, Allstate, and State Farm compared

If you are shopping around for car insurance for student drivers in Nebraska, four companies you’ll want quotes from are Progressive, Geico, Allstate, and State Farm. When combined, they insure about half of the entire U.S. market share. The table below shows some of the ratings and options offered by each one.