Car Insurance After an Accident in Nebraska: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Nebraska increases insurance by 36%, raising full coverage from $1,716/year to $2,334/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$143/mo
After At-Fault Accident (+36%)
$195/mo
Cheapest Companies After Accident in Nebraska
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $144/mo | $1,727/yr | Military families |
| Erie Insurance | $154/mo | $1,844/yr | Rate lock guarantee |
| GEICO | $159/mo | $1,914/yr | Clean driving record |
| Progressive | $171/mo | $2,054/yr | Telematics savings |
| State Farm | $177/mo | $2,124/yr | Good students |
| Travelers | $185/mo | $2,217/yr | Multiple discounts |
| Nationwide | $202/mo | $2,427/yr | Bundling home + auto |
| Farmers | $210/mo | $2,521/yr | Signal telematics |
| Allstate | $218/mo | $2,614/yr | Accident forgiveness |
| Liberty Mutual | $230/mo | $2,754/yr | New car replacement |
USAACheapest
Monthly
$144/mo
Annual
$1,727/yr
Best for: Military families
Erie Insurance
Monthly
$154/mo
Annual
$1,844/yr
Best for: Rate lock guarantee
GEICO
Monthly
$159/mo
Annual
$1,914/yr
Best for: Clean driving record
Progressive
Monthly
$171/mo
Annual
$2,054/yr
Best for: Telematics savings
State Farm
Monthly
$177/mo
Annual
$2,124/yr
Best for: Good students
Travelers
Monthly
$185/mo
Annual
$2,217/yr
Best for: Multiple discounts
Nationwide
Monthly
$202/mo
Annual
$2,427/yr
Best for: Bundling home + auto
Farmers
Monthly
$210/mo
Annual
$2,521/yr
Best for: Signal telematics
Allstate
Monthly
$218/mo
Annual
$2,614/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$230/mo
Annual
$2,754/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses