A recent study found that the average difference between the highest and lowest costs for car insurance in Nebraska was 51 percent depending on location.

Although Nebraska car insurance minimums are pretty cheap, and the state ranks at about the 7th cheapest state to purchase auto insurance, many Nebraska residents may have difficulties getting the cheapest insurance rates based on where they live in the state.

Nebraska has a bodily injury liability of $25,000, medical of $50,000, and a property damage liability of $25,000.

According to the study, drivers in Omaha pay the highest insurance premiums, while Lincoln residents take advantage of the lowest car insurance rates.

“Surcharges and discounts for living in certain parts of the state fluctuate so much because insurers generally rely on their own internal claims data to determine policyholders' risk,” said an analysis by the San Francisco Chronicle. “Because of the variability in location-based pricing, Nebraskans and drivers in other parts of the country should comparison-shop in order to find the insurers who view their areas most favorably.”