Who Has The Cheapest Motorcycle Insurance Quotes In Nebraska?

Who Has The Cheapest Motorcycle Insurance Quotes In Nebraska?

Nebraska's cheapest motorcycle insurance comes from Nationwide, with an average rate of $291 per year, a ValuePenguin analysis found.

On average, Nebraska motorcycle insurance costs $458 per year, 58% more than Nationwide.

Compare Motorcycle Insurance Quotes in Nebraska

Currently insured?

Nebraska riders need to have insurance or an equivalent protection to drive legally. But a policy also protects both the rider and the bike in which they've invested considerable time and money. We analyzed more than 200 quotes to help you find the best insurer for your needs.

Best motorcycle insurance for most riders: Nationwide

Nationwide has the lowest rates we found in Nebraska by a considerable margin, along with a good set of coverage options.
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Nationwide offers the best deal riders can find on motorcycle insurance in Nebraska. For a good set of coverage options, the company charges at least 21% less than any other company we found.

We found an average rate from Nationwide of $291 per year. That’s $77 per year less than any other company we found, and $167 less than the state average.

Riders can further reduce their rates with Nationwide's numerous discounts, which include:

  • Safety course
  • Anti-lock brakes
  • Multi-policy/multi-vehicle
  • Homeownership
  • Riding associations
  • Paid in full

Nationwide doesn't have the widest array of coverage options, but it does offer a few crucial ones. Those include custom equipment coverage, OEM parts coverage, roadside assistance and a disappearing deductible.

Nationwide also offers some of the best customer service in the state. The company received a low score in the National Association of Insurance Commissioners’ Complaint Index, which indicates customers are happy with their service. The company's 0.61 rating means Nationwide receives only 61% of the complaints expected for its size, the best mark we found in Nebraska.

Best for coverage options: Progressive

Progressive delivers the most robust set of coverage options we found, but it costs a little more.
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Riders looking for the most coverage options, including some strong ones included in every policy, should go with Progressive. The company offers the most endorsements, but they cost a bit more than average.

To start, policies from Progressive automatically include $3,000 in coverage for accessories and custom parts, full replacement cost coverage and OEM parts.

Other Progressive coverage options include:

  • Carried contents coverage: to protect items such phones, camping equipment and hunting gear carried on your bike.
  • Total loss coverage for a new bike: to protect the full value of a motorcycle no more than one model year old if it is totaled. Riders can get the full suggested retail price for a new bike, minus their deductible.
  • Trip interruption and roadside assistance: to protect you if something happens far from home. Base includes a free tow to the nearest repair shop, and you can upgrade your policy to include $500 for food, hotel or transportation.

For this coverage, Progressive customers will have to pay more than average. We found an average annual rate of $534 per year from the company. That was the second-most expensive among companies surveyed and 16% higher than the state average.

One way to reduce those costs is to take advantage of Progressive's discounts, which include:

  • Bundling
  • Advance quote
  • Safety course
  • Motorcycle endorsement
  • Responsible driver
  • Discount for switching from another company
  • Automatic payments
  • Harley Owners Group affiliation
  • Pay in full

Best for daily riders: Allstate

Allstate offers a combination of rental reimbursement and roadside protection that is ideal for someone who relies on their motorcycle.
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Allstate has a blend of options and rates that may appeal to Nebraska motorcycle riders who use their bikes for daily transit. If you use your bike instead of a car, an accident or breakdown can cause significant hardship.

Allstate riders can pair rental reimbursement and towing coverage. Rental reimbursement means you'll be able to access another vehicle while your bike is in the shop. Towing coverage means you won't be stranded after an accident or breakdown.

Allstate customers can also upgrade to Roadside Assistance, which provides coverage for lockouts, fuel deliveries, tire changes and jump starts, in addition to towing.

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The company also offers coverages like protections for accessories, trailer coverage and up to two years of total loss coverage, with some limitations.

Allstate is a bit more costly than average, with a rate of $496 per year. That's $38 more per year than the Nebraska average and $205 more than the cheapest alternative.

Best-rated Nebraska motorcycle insurers

Nationwide came out on top in terms of customer service ratings in Nebraska. It boasts both strong financial stability and low rates of customer complaints.

Insurer
NAIC Complaint Index
AM Best rating
Allstate0.63A+
Dairyland2.69A+
Geico0.67A++
Nationwide0.61A+
Progressive0.77A+
USAA0.85A++

NAIC scoring is based on combined car and motorcycle premiums because the organization considers them as one industry category.

The quality of customer service can have a crucial impact on your experience with your motorcycle insurance company. That means it should factor into your final decision. The two primary ways we measure service are the AM Best Financial Strength Rating and the NAIC Complaint Index.

The Complaint Index compares a company's share of the insurance market to the share of complaints it receives. Lower numbers mean better performance. Better grades from AM Best mean a company is more financially stable and in a better position to pay claims to all customers after a catastrophe.

Cheapest motorcycle insurance companies in Nebraska

We collected more than 200 quotes from cities across Nebraska to find the cheapest motorcycle rates in the state. Nationwide had the lowest prices, with an average annual rate of $291, which was $77 less than second-place Geico.

A graph of the lowest motorcycle insurance rates in Neb

Compare Motorcycle Insurance Quotes in Nebraska

Currently insured?
Company
Average annual rate
Nationwide$291
Geico$368
Allstate$496
Progressive$534
Dairyland$603

Nebraska motorcycle insurance costs by city

Factors such as traffic and auto thefts around your address can impact your insurance rates, meaning where you live can make your rates higher or lower. We looked at how rates varied among some of the larger cities in Nebraska.

Omaha had the highest rates we found in Nebraska, 52% more expensive than the state average. A large cluster of small towns had the lowest rates we found, 5% cheaper than average.

City
Annual cost
Difference from state average
Alliance$435-5.2%
Ashland$4692.4%
Aurora$434-5.3%
Beatrice$4641.2%
Bellevue$51712.9%
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Nebraska motorcycle insurance requirements

Nebraska riders are required to purchase a minimum amount of coverage to drive legally. Although they have several options, the most common is an insurance policy with a state-mandated minimum amount of bodily injury liability and property damage liability coverage.

Coverage
Limit
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000

Nebraska riders can also use other substitutes for liability coverage that include securing a bond of financial responsibility, a property bond, a certificate of deposit or a certificate of self insurance. The state minimum limits are often not enough to cover the costs of an accident and won't protect your bike like comprehensive and collision can.

Methodology

We collected 205 motorcycle insurance quotes directly from five major companies in Nebraska: Geico, Dairyland, Progressive, Nationwide and Allstate. Our sample rider is a 45-year-old man who owns a 2021 Harley-Davidson Street Glide and is married. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.