Cheapest Auto Insurance Quotes for Drivers with Bad Credit in Nebraska

Cheapest Auto Insurance Quotes for Drivers with Bad Credit in Nebraska

When the topic is car insurance, the words “affordable” or “cheap” should not be used anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for drivers with bad credit is almost non-existent. Don’t let that ruin your day, because we are going to show you some ways you can still find coverage that most people can afford.

Comparing rates for cost effective car insurance is tough enough, and figuring out which companies quote the cheapest car insurance rates for drivers with bad credit may require more quotes for comparison. Prices could be somewhat higher than the average rate in Nebraska because of the posibility of more claims that comes with selling insurance for people with poor credit, but competitive coverage should be available with some perseverence. Each insurer has a unique approach for setting prices, so let’s take a look at the car insurance companies with the overall best prices in Nebraska.

It’s important to understand that Nebraska car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. This price variation is why Nebraska drivers need to perform a complete rate comparison when trying to find the most economical insurance quotes for drivers with bad credit. Auto insurance prices are influenced by many different factors and can increase or decrease at any time, so the best price a year ago may now be an over-priced policy.

Find Cheaper Auto Insurance with Bad Credit

Get a Free Quote and Save

Nebraska car insurance ranked by cost per year
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $847
3 Auto-Owners $905
4 Allied $911
5 Nationwide $997
6 Farmers Mutual of Nebraska $1,009
7 Farm Bureau Mutual $1,020
8 State Farm $1,033
9 American National $1,065
10 General Casualty $1,092
11 USAA $1,116
12 California Casualty $1,270
13 American Family $1,284
14 Iowa Mutual $1,308
15 MetLife $1,319
16 EMC $1,340
17 GEICO $1,348
18 Progressive $1,417
19 Farmers $1,602
20 North Star $1,710
Get Personalized Rates Go

Safeco may offer some of the lowest car insurance rates in Nebraska at around $780 per year. The Hartford, Auto-Owners, Allied, and Nationwide also are some of the best Nebraska auto insurance companies.

As shown in the rates above, if you have coverage with Allied and switched to The Hartford, you might see an annual savings of around $64. Policyholders with Nationwide could save as much as $150 a year, and Farmers Mutual of Nebraska customers might lower prices by $162 a year.

These policy rates are averages across all ages of drivers and types of vehicles and and are not figured with a price increase for drivers with bad credit. So the auto insurance company that can offer you the best rate may not even be shown in the company chart above. That affirms the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.

When shopping for cheaper car insurance for people with poor credit, one of the many things that aid in calculating the policy price is where you normally keep your vehicle in Nebraska. Cities that have higher claim levels or more people like Gering, Scottsbluff, and McCook tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The next table sorts the highest-priced areas in Nebraska for drivers with bad credit to purchase a policy in.

How much does car insurance cost in Nebraska?
Rank City Annual Rate
1 Gering $1,343
2 Alliance $1,340
3 Scottsbluff $1,334
4 North Platte $1,301
5 McCook $1,292
6 Lexington $1,277
7 Omaha $1,270
8 South Sioux City $1,264
9 Beatrice $1,259
10 Blair $1,236
11 Nebraska City $1,224
12 Crete $1,210
13 York $1,191
14 Kearney $1,188
15 Columbus $1,185
16 Hastings $1,182
17 Seward $1,179
18 Fremont $1,177
19 La Vista $1,150
20 Bellevue $1,144
Find the Best Rates Go

Table data uses comparative as the specific area where the vehicle is garaged can alter premiums greatly.

The vehicle model driven is one of the primary factors when shopping for low-priced insurance for drivers with bad credit. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost more to insure than more modest models. The tables below features insurance premiums for the most cost-effective vehicles to insure.

Insurance Rates for Popular Cars in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $950 $475 $79
Ford Fusion SE 4-Dr Sedan $1,006 $503 $84
Honda Accord EX-L 2-Dr Coupe $1,064 $532 $89
Hyundai Sonata SE 4-Dr Sedan $1,044 $522 $87
Kia Optima EX $1,064 $532 $89
Toyota Camry SE $986 $493 $82
Toyota Corolla LE $986 $493 $82
Volkswagen Jetta S 4-Dr Sedan $930 $465 $78
Get a Custom Quote for Your Car Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can lower or raise rates noticeably.

Auto Insurance Rates for Popular SUVs and Crossovers in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX 2WD $862 $431 $72
BMW X5 M AWD $1,254 $627 $105
Buick Enclave XL 2WD $1,006 $503 $84
Chevrolet Traverse LT AWD $882 $441 $74
Ford Escape XLS 4WD $788 $394 $66
Ford Explorer Limited AWD $950 $475 $79
GMC Acadia SL AWD $876 $438 $73
Honda CR-V LX 4WD $788 $394 $66
Honda Pilot EX 2WD $896 $448 $75
Jeep Grand Cherokee Limited 2WD $1,006 $503 $84
Lexus RX 350 2WD $1,140 $570 $95
Subaru Forester X Premium AWD $882 $441 $74
Toyota Highlander Sport 2WD $950 $475 $79
Toyota RAV4 4WD $930 $465 $78
Get a Custom Quote for Your SUV or Crossover Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in specific location information which can lower or raise premiums significantly.

Car Insurance Rates for Popular Pickup Trucks in Nebraska
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $788 $394 $66
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,118 $559 $93
Chevrolet Silverado 3500HD LT Crew Cab 4WD $1,198 $599 $100
Chevrolet Silverado LS Extended Cab 4WD $930 $465 $78
Dodge Ram 3500 Crew Cab Laramie 4WD $1,388 $694 $116
Dodge Ram Quad Cab Sport 2WD $1,086 $543 $91
Ford F-150 XL Super Cab 2WD $856 $428 $71
GMC Sierra SLE Crew Cab 2WD $930 $465 $78
Toyota Tacoma X-Runner 2WD $986 $493 $82
Toyota Tundra Limited Crew MAX 2WD $1,064 $532 $89
Get a Custom Quote for Your Truck Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in Nebraska location which can modify auto insurance rates substantially.

Ending up with a highly-rated insurer can be rather challenging considering how many companies there are to choose from in Nebraska. The rank data in the lists below could help you analyze which auto insurers to look at when buying insurance for drivers with bad credit.

These ratings include companies that insure vehicles across America, so companies that have a smaller presence will not be included in this list. If you would like to check rates from these and other companies in Nebraska, click this link.

Nebraska Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Find the cheapest auto insurance for drivers with bad credit in Nebraska

Lowering your rates is not difficult, and here are some thrifty ideas that can help drivers locate cheap auto insurance.

  • Be a cautious driver
  • Having at-fault accidents will increase rates
  • Higher deductibles save money
  • Earn discounts for being claim-free
  • Save money by insuring older vehicles for liability only
  • Check for cheaper rates once a year

That last piece of advice is highly critical, as we noted in the prior information. Car insurance prices can be changed at any time, so drivers shouldn’t hesitate to switch companies if a cheaper rate is available. Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars year after year. Take a couple minutes and compare rates to find cheaper car insurance for drivers with bad credit.

Who has the cheapest insurance quotes for people with poor credit?

There are quite a few ways to purchase car insurance in Nebraska, but the three most common are through a non-exclusive or independent agent, an exclusive agency such as Allstate or Liberty Mutual, or buying direct from a company like Geico or Progressive. You can use whichever you prefer, but they differ slightly in how they function.

Independent agencies write for multiple companies and can do rate comparisons with every one. Agents of this type can provide you with more rate quotes, which may give you the best shot at cutting your rates. If cheaper coverage is found, your policy can be easily switched to a new company and you won’t have to switch agencies.

A captive or exclusive agent is able to quote prices with a single insurance company, two examples being a Farmers or Allstate agent. Exclusive agents are unable to provide a range of price quotes, so if the price isn’t competitive there isn’t much they can do.

The last way is buying direct, which means you skip an exlusive or independent agent and buy buying direct from a company like Geico or Progressive. Buying car insurance direct may be good for families who do not need high levels of coverage and have an above average understanding of how their policy works.

So which one of the three ways works best for finding the cheapest auto insurance for drivers with bad credit in Nebraska? It would be easy to say buying from a direct company results in the best prices because there is no agent taking a commission, but that turns out to not be true. It would also be easy to say buying car insurance from an independent agent is the best way to save due to having more companies to select from, but again, that’s not a true statement. In many circumstances, exclusive agents have very competitive rates that are the cheapest.

Because of the variability of car insurance rates, the one way to not overpay for car insurance is to compare lots of quotes. We highly recommend getting price quotes all three ways to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.