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.
Find Cheap Motorcycle Insurance Quotes in Nebraska
Cheapest motorcycle insurance companies in NE
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $19 | |
| Progressive | $21 | |
| Harley-Davidson | $24 | |
| Nationwide | $24 | |
| Allstate | $29 | |
| Geico | $29 | |
Best Nebraska motorcycle insurance for most people: Dairyland
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Editor's rating
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Cost: $19/month
Dairyland's cheap rates make it the best choice for most people in Nebraska. At $19 per month, full coverage from Dairyland is $5 per month cheaper than the statewide average.
Dairyland also offers rental reimbursement and roadside assistance, which are important coverage add-ons if your motorcycle is your main vehicle.
- Rental reimbursement helps pay for a rental car while your motorcycle is in the repair shop after an accident.
- Roadside assistance pays for emergency services like towing, jump starts, flat tire replacement or fuel delivery if you're stranded on the side of the road.
These coverages can help keep your life on track if something happens to your bike.
However, Dairyland doesn't offer as many coverage extras as some other companies. For example, you can't get trailer coverage, which protects your bike and its trailer while it's towed behind another vehicle. If you need this coverage, you should consider Progressive.
The biggest downside to Dairyland is its customer service.
While it gets an average number of complaints for its size, Nebraska riders can find much better service at Progressive or Nationwide.
Best for coverage options: Progressive
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Editor's rating
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Cost: $21/month
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
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Editor's rating
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Cost: $24/month
Full coverage from Harley-Davidson costs $24 per month, which is the same as the Nebraska average. But it could be the cheapest option if you can get multiple discounts.
Some of Harley-Davidson's discounts are very easy to get, including discounts for having a motorcycle endorsement on your license or owning your home. Other discounts include:
- Anti-theft
- Experienced rider
- H-D Riding Academy
- H.O.G. membership
- New bike
- Multicycle
- Bundled protection
- Military and law enforcement
When your policy renews, you'll get an additional discount if you avoid accidents or pay your insurance bill on time.
Harley-Davidson also offers lots of ways to customize your protection with coverage add-ons.
If your motorcycle is your main way to get around, you can benefit from adding roadside assistance and rental reimbursement. If your bike has lots of accessories, you can protect them with replacement cost coverage.
However, Harley-Davidson gets 64% more complaints than an average company its size. Most complaints are about the company's lengthy claims process. That means Harley-Davidson may take longer to pay for repairs after an accident than other companies.
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.
