get a nebraska car insurance quote from esurance

or call 1-800-378-7262

(24 hours a day, 7 days a week)

nebraska car insurance that’s right for you, not someone sorta like you

Hi there, Nebraska driver. Whether your Cornhusker State cruising takes you through bustling urban centers like Omaha or Lincoln, or through the infamous one-person town of Monowi (seriously, how light is rush hour here?), you can get a personalized Nebraska auto insurance from Esurance and hitch some peace of mind to your mental trailer.

As a proud member of the Allstate family, with an "A-plus" financial rating from A.M. Best, we've got you covered year-round with trusted service and affordable protection. Our intuitive CoverageMyWay™ helps you prioritize your coverage options and simplify the car insurance process, while our array of Nebraska car insurance discounts could help save you major cash.

money-saving nebraska car insurance discounts

Looking for savings? You're in luck — you could qualify for big discounts for something as simple as owning a home, or for other things like paying your premium all at once.

Here are other car insurance discounts in Nebraska that we provide:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • Good Student discount
  • Switch & Save® discount
  • Claim-Free discount
  • Multi-Policy discount


The Esurance Renters Plus® discount in Nebraska*

Renters coverage can really save the day in the unfortunate event that your valuables get damaged, broken, or stolen. And with the Renters Plus discount from Esurance, you could stand to save some cash just for adding renters coverage to your auto quote.

Discounts may vary. If you're already an Esurance policyholder in the Tree Planter State and you have questions about your Nebraska auto discounts, call us at 1-800-ESURANCE (1-800-378-7262).

car insurance coverages in nebraska

Required coverages

Nebraska auto insurance policies must include basic liability insurance and uninsured motorist bodily injury coverage. Drivers are legally required to carry at least the following limits:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per incident
  • $25,000 of property damage liability coverage per incident
  • $25,000/$50,000 of uninsured motorist bodily injury coverage per person, per incident

Liability can help pay for damage you cause in an at-fault car accident. If you want more than the minimum limits, you can always opt for more protection when you get your quote. You'll often see these minimums written as 25/50/25.

Uninsured motorist bodily injury coverage can help pay for medical expenses incurred by you and your passengers as a result of being involved in an accident with an uninsured driver.

Optional coverages

Car insurance in Nebraska comes with much more than just the basics when you entrust your ride to Esurance. We offer drivers in your state the following additional protections, too:

  • Medical payments
  • Underinsured motorist bodily injury
  • Comprehensive
  • Collision
  • CarMatch Rental Coverage®
  • Towing and labor
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

uninsured drivers in nebraska

A report from the Insurance Research Council estimated that 6.7 percent of Nebraska's drivers were uninsured in 2012. That was well below the national average of 12.6 percent.

Still, uninsured motorist coverage is required in the Cornhusker State and can really come in handy after an accident caused by an uninsured driver or after a hit-and-run incident.

nebraska’s rules on digital proof of insurance

Things just got a little easier for drivers in the Cornhusker State. Now if you get pulled over, you can provide electronic proof of insurance — like up-to-date ID cards on your phone, say. If you're covered by Esurance, you can download our easy-to-use mobile app for constant access to ID cards, policy management, and more.

esurance-approved repair shops in nebraska

Our Nebraska car insurance policyholders can take advantage of our E-star® network, which identifies top-of-the-line repair shops and allows customers to monitor repairs online through RepairView®. Plus, your repairs are guaranteed the entire time you own your vehicle.

Find an E-star shop near you.

factors that could affect your nebraska auto insurance

Insurers in Nebraska could take the following into account when determining your car insurance rates:

  • Past driving record and claims history
  • Age, gender, and marital status
  • ZIP Code where your car is kept
  • Car year, make, and model
  • How you use your car (commuting, Sunday drives, etc.)
  • Credit-based insurance score
  • The coverages, limits, and deductibles you choose
  • Any discounts you may qualify for

alternative nebraska car insurance options

If you're considered a high-risk driver because of DUIs or a dubious driving history, you may have a hard time finding car insurance in Nebraska through typical channels.

If that happens, you might be eligible for the Nebraska Auto Insurance Plan. A licensed insurance agent can provide more info.

Related links

The Esurance Coverage Counselor®
Get a quote using our innovative technology and see coverage options tailored to you.

Nebraska Department of Insurance
The official website of Nebraska's insurance department.

Wonder if you could be saving on car insurance?

get your free quote online

or call 1-800-378-7262