Who Has The Cheapest Motorcycle Insurance Quotes In Nebraska?

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Nebraska's treeless prairies have been crossed by many in history seeking adventure and fortune in the West. It is also in Tornado Alley and a commonly faces thunderstorms and tornadoes. To see who in Nebraska had the best motorcycle insurance rates, we gathered quotes from four major carriers for a 45-year-old male rider and $100,000 per person/$300,000 per accident liability coverage. Our study showed the most expensive insurer for the sample policy was 5x the cost of the cheapest in Nebraska.

Cheapest Motorcycle Insurance In Nebraska

We studied which companies had the best motorcycle insurance rates in Nebraska, and included quotes from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The company with the lowest motorcycle insurance rates in Nebraska was GEICO, which quoted our sample policy to be $129 on average. 

A ValuePenguin study showed that GEICO had the best motorcycle insurance rates in Nebraska for a sample policy and rider.

The graph above includes the average premium quoted by each carrier for our sample policy and rider, along with the state average from the four insurers. The average rates quoted by Nationwide and Dairyland were $209 and $593, respectively. Progressive had the highest average quote of $686 which was more than 5x the cost of the cheapest (GEICO's average). We chose a motorcycle policy, rider and bike based on market research, but any of those factors can differ for Montana owners. For that reason, the average dollar amounts are not what every rider should expect to pay for their motorcycle insurance. However, the same sample policy and rider were used throughout the study as a benchmark, so you can get a sense of the range and variation.

Best Motorcycle Insurance Rates In Nebraska: By City

An analysis of the motorcycle insurance quotes for a sample policy and rider in Nebraska rendered results that were unlike most other states in the U.S. Typically, the largest cities in a state have some of the highest motorcycle rates, but that wasn't the case in Nebraska. In fact, premiums quoted in Fremont were higher than in Omaha, even though the city has a much smaller population.

RankCityAverage Annual Rate% Difference vs State Average
1 Omaha $422 4.3%
2 Lincoln 469 16.2%
3 Bellevue 401 -0.8%
4 Grand Island 366 -9.3%
5 Fremont 444 10.0%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Omaha, NE

Omaha is the largest city in Nebraska, with more than 440,000 residents and is at the center of a statistical area with about 1.3 million. It is home to four Fortune 500 companies and the local economy has increasingly diversified. Motorcycle insurance in Omaha was 4.3% higher than Nebraska's average.

Lincoln, NE

Lincoln is the capital of Nebraska as is located in the state’s southeastern corner. It is the second most-populous city in the state, with over 200,000 residents. Sometimes referred to as "Star City,” Lincoln has been listed among the Best Places for Business and Careers, Best Cities for Job Seekers, and Best Places to Retire in the U.S. Motorcycle insurance rates in Lincoln were some of the highest in the state, at 16.2% higher than the Nebraska average.

Bellevue, NE

The city's name means "beautiful view" in French, for it's elevation that make for them in the area. Bellevue is home to more than 50,000 residents and is also the second-oldest settlement in Nebraska. Motorcycle insurance rates in Bellvue were 0.8% lower than the state average.

Grand Island, NE

The city of Grand Island has a populatin of just under 50,000 residents and is part of a metropolitan area with more than 83,000. It was first settled by Germans in the mid-19th century and later became a stop along the Union Pacific Railroad. Grand Island ranked with one of the cheaper motorcycle insurance rates in Nebraska at 9.3% lower than the state mean.

Fremont, NE

Fremont has a population of rouhgly 27,000 and more than 400 acres of city-owned parks. Midland University, an undergraduate liberal arts college, is also located there. The city is only about a 40-minute drive from Omaha and motorcycle insurance rates there were 10% higher than the state average.

Most Expensive Motorcycle Insurance In Nebraska

The five places with the most expensive motorcycle insurance rates in Nebraska were primarily large cities or nearby large cities. This is a pattern we've seen in other states where an identical study was performed. The place in Nebraska with the most expensive motorcycle insurance rates was Ralston, where premiums quoted for our sample policy were 20.2% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Ralston $486 20.2%
2 Lincoln 469 16.2%
3 Superior 462 14.3%
4 Papillion 456 12.8%
5 Ashland 444 10.0%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Ralston, NE

Ralston is in east Nebraska and earned its nickname “Independence City” for annually hosting the biggest Independence Day parade in the state. It is strategically located at the “Heart of the Metro” in the Omaha, making it one of Nebraska’s business hubs. Its community of nearly 7,000 residents and motorcycle insurance premiums in Ralston are the most expensive in the state. Quotes for our sample insurance policy were 20.2% higher than the state average.

Lincoln, NE

The capital of Nebraska is located in the state’s southeastern corner and is the second most populous city with over 200,000 residents. Sometimes referred to as “Star City’,” Lincoln has been listed among the Best Places for Business and Careers, Best Cities for Job Seekers and Best Places to Retire in the U.S. Motorcycle insurance rates in Lincoln were 16.2% higher than the state average.

Superior, NE

Superior also is in southeast Nebraska. It is famed for being the “Victorian Capital of Nebraska,” and the city of 2,000 residents proudly hosts an annual Victorian Festival every Memorial Weekend. Having maintained its Victorian appearance in most of its houses and downtown area, Superior is listed in the National Register of Historic Places. Motorcycle insurance rates in Superior were 14.3% higher than the Nebraska average.

Papillion, NE

Once a railroad town, Papillion is now a city of outdoor recreation with many trails, open spaces, trees, and areas of interest. Referred to as “Papio” by its approximately 20,000 residents, the city is one of the last 18th century-inspired frontier cities left in the Midwest. Motorcycle insurance rates in the city were 12.8% higher than the state average. 

Ashland, NE

Ashland sits along Salt Creek in Saunders County. It benefits from its proximity to Interstate 80 and the nearby cities of Omaha and Lincoln. Being near the State’s economic hubs has led to Ashland’s building boom. The city, however, has retained its rural character and is still a bedroom community. Motorcycle Insurance rates were 10% higher than the state average.

Average Motorcycle Insurance Rates In Nebraska: By City

This comparative study of motorcycle insurance premiums in Nebraska was done by gathering and analyzing quotes from four major carriers across 41 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 36.1% more expensive than the cheapest.

ValuePenguin found the average cost of motorcycle insurance in Nebraska was $404 for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 41 municipalities and census-designated places in the state of Nebraska. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
3 Alliance $360 -11.0%
30 Ashland 444 10.0%
8 Aurora 364 -10.0%
31 Beatrice 444 10.0%
18 Bellevue 401 -0.8%
16 Blair 393 -2.7%
24 Broken Bow 408 1.0%
4 Burwell 360 -11.0%
25 Cambridge 415 2.7%
17 Columbus 393 -2.7%
19 Cozad 401 -0.7%
10 Creighton 366 -9.3%
32 Fremont 444 10.0%
20 Gothenburg 405 0.3%
11 Grand Island 366 -9.3%
26 Hastings 415 2.7%
1 Imperial 357 -11.7%
9 Kearney 364 -10.0%
5 Kimball 360 -11.0%
2 Lexington 357 -11.7%
40 Lincoln 469 16.2%
21 Mc Cook 405 0.3%
Nebraska Average 404 0.0%
33 Nebraska City 444 10.0%
6 Neligh 360 -11.0%
12 Norfolk 366 -9.3%
22 North Platte 405 0.3%
29 Omaha 422 4.3%
15 Ord 378 -6.4%
38 Papillion 456 12.8%
41 Ralston 486 20.2%
7 Scottsbluff 360 -11.0%
34 Seward 444 10.0%
27 Sidney 416 3.0%
28 South Sioux City 418 3.4%
39 Superior 462 14.3%
13 Tekamah 366 -9.3%
35 Wahoo 444 10.0%
23 Wauneta 405 0.3%
36 Waverly 444 10.0%
14 West Point 366 -9.3%
37 York 444 10.0%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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