Who Has The Cheapest Motorcycle Insurance In Nebraska?
Dairyland has the cheapest motorcycle insurance in Nebraska, at $19 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Nebraska
Best cheap Nebraska motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance companies in Nebraska
Dairyland offers the cheapest motorcycle insurance in Nebraska.
Full coverage motorcycle insurance from Dairyland costs an average of $19 per month in Nebraska. That's 21% less than the state average.
Nebraska riders should also compare quotes from Progressive. The company's average price is $2 per month higher than Dairyland's, but it offers a lot more discounts. That could make it the cheapest option for some people.
Cheapest insurance companies
Find Cheap Motorcycle Insurance Quotes in Nebraska
Cheapest motorcycle insurance companies in NE
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | 3.0 out of 5 | $19 | |
| Progressive | 4.0 out of 5 | $21 | |
| Harley-Davidson | 3.0 out of 5 | $24 | |
| Nationwide | 3.0 out of 5 | $24 | |
| Allstate | 3.0 out of 5 | $29 | |
| Geico | 2.0 out of 5 | $29 | |
Best Nebraska motorcycle insurance for most people: Dairyland
Best for coverage options: Progressive
Progressive isn't the cheapest company in Nebraska, but its full coverage policy includes extra protection that most companies charge for.
When you buy a policy with collision and comprehensive coverage, you'll automatically get:
- $3,000 in coverage for accessories and custom parts, like a custom saddle or stereo system.
- Full replacement cost coverage for parts, which pays to restore your bike to its original condition after a crash, regardless of any wear and tear before the accident.
- Original equipment manufacturer (OEM) parts coverage, which guarantees Progressive will fix your motorcycle using parts from its original manufacturer instead of cheaper aftermarket parts.
If you need these coverages, Progressive is likely the best choice for you.
Other Progressive coverage options include total loss coverage for a new bike, trip interruption and roadside assistance.
Progressive also has some of the best customer service in Nebraska.
It gets one-third as many customer complaints as an average company its size. That means you can count on Progressive to get you back on the road quickly after a crash.
However, you can't get rental reimbursement coverage from Progressive. This coverage is important if your motorcycle is your main vehicle because it helps pay for a rental car after an accident. If you're worried about paying for a rental while your motorcycle is in the shop, Dairyland may be a better choice for you.
Best discounts: Harley-Davidson
Nebraska motorcycle insurance costs by city
Omaha has the most expensive motorcycle insurance in Nebraska's larger cities and towns, at $33 per month, on average.
Motorcycle insurance in the cheapest cities in Nebraska costs around $23 per month. You can find this rate in a number of cities and towns, including Grand Island, Kearney and Norfolk.
Average motorcycle insurance cost in NE by city
City | Monthly cost | % from average |
|---|---|---|
| Alliance | $23 | -4% |
| Ashland | $25 | 1% |
| Aurora | $23 | -5% |
| Beatrice | $24 | -1% |
| Bellevue | $28 | 13% |
Nebraska motorcycle insurance requirements
In Nebraska, motorcycle owners have several options to prove they're financially responsible to ride legally.
The most common is an insurance policy with a minimum amount of liability coverage, typically written as 25/50/25. You must also have matching uninsured and underinsured motorist bodily injury coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
If you don't want to get motorcycle insurance, there are a few other options including a surety bond, a property bond, a certificate of deposit or a certificate of self insurance. These show that you're able to pay for any damage or injuries you cause.
Methodology
To find the cheapest motorcycle insurance company in Nebraska, ValuePenguin editors gathered more than 200 quotes across six of the largest companies in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
