- Average cost of car insurance in Nebraska
- Best car insurance companies in Nebraska
- Cheapest car insurance companies in Nebraska
- Nebraska car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Nebraska
- Cheapest car insurance cost in Nebraska by age
- Cheapest car insurance companies in Nebraska by driver profile
- Compare auto insurance rates by city in Nebraska
- Car insurance premium trends in Nebraska
- Methodology
- Compare Nebraska car insurance rates with other states
Average cost of car insurance in Nebraska
The average car insurance rate in Nebraska is $2,387 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Nebraska is $369.
Best car insurance companies in Nebraska
Auto-Owners is the best car insurance company in Nebraska, based on our data analysis with an overall rating of 4.64 Shelter Insurance came in second.
Below is a full list of the to Nebraska insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 663 | 0.54 | $1,193 | 4.64 |
| Shelter Insurance | A | 677 | 0.43 | $1,647 | 4.52 |
| Nationwide | A | 628 | 0.63 | $1,216 | 4 |
| Progressive | A+ | 638 | 0.71 | $1,964 | 3.64 |
| State Farm | A++ | 647 | 0.79 | $2,344 | 3.52 |
| GEICO | A++ | 622 | 0.69 | $2,372 | 3.23 |
| Allstate | A+ | 629 | 1.1 | $2,621 | 2.76 |
| USAA | A++ | 759 | 1.18 | $1,328 | 4.41 |
Cheapest car insurance companies in Nebraska
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Nebraska and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Farmers Mutual of Nebraska is the cheapest auto insurance company in Nebraska with average rates of $1,605 annually or $134 a month for full coverage.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Farmers Mutual of Nebraska | $225 | $276 | $1,605 |
| Auto-Owners | $375 | $415 | $1,638 |
| Shelter Insurance | $436 | $506 | $2,346 |
| Progressive | $333 | $401 | $2,515 |
| Allstate | $645 | $711 | $2,824 |
| GEICO | $247 | $278 | $2,859 |
| Iowa Farm Bureau | $476 | $544 | $4,829 |
| USAA | $299 | $347 | $1,797 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Nebraska
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Omaha | $773 | $64 |
| St Columbans | $725 | $60 |
| Bellevue | $724 | $60 |
| Offutt AFB | $708 | $59 |
| Millard | $686 | $57 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Haigler | $430 | $36 |
| Champion | $435 | $36 |
| Imperial | $437 | $36 |
| Ord | $440 | $37 |
| Long Pine | $441 | $37 |
The Nebraska Department of Insurance says...
Understanding how auto insurance is rated is the first step in determining what an insurance premium will cost because rating factors determine the price of coverage. Characteristics of similarly situated drivers are evaluated and then grouped into classifications. Insurance companies will establish a rate for each group based on the claims paid for drivers in that classification. The higher the loss for a particular classification, the higher the rate will be for that class of driver.
- The Nebraska Department of InsuranceNebraska car insurance requirements
You need car insurance with minimum coverage levels of 25/50/25 in Nebraska, which costs $369 each year or $31 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Nebraska:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $10,000 per accident
- Personal injury protection (PIP): $50,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Nebraska
According to Insurance.com, Farmers Mutual of Nebraska has the cheapest state minimum liability coverage, at $276 per year or $23 each month.
Here are the most affordable car insurance companies for state minimum coverage in Nebraska.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Farmers Mutual of Nebraska | $276 | $23 |
| GEICO | $278 | $23 |
| Progressive | $401 | $33 |
| Auto-Owners | $415 | $35 |
| Shelter Insurance | $506 | $42 |
| Iowa Farm Bureau | $544 | $45 |
| Allstate | $711 | $59 |
| USAA | $347 | $29 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Nebraska by age
In Nebraska, car insurance rates are higher for teenagers due to their lack of experience on the road.
Farmers Mutual of Nebraska offers the cheapest car insurance for a 16-year-old driver in Nebraska at $3,439 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Nebraska, Farmers Mutual of Nebraska offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $1,763 per year and $1,285 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Farmers Mutual of Nebraska | $3,439 | $287 |
| Auto-Owners | $5,931 | $494 |
| USAA | $7,838 | $653 |
| Shelter Insurance | $9,143 | $762 |
| Allstate | $10,531 | $878 |
| GEICO | $11,661 | $972 |
| Progressive | $12,564 | $1,047 |
| Iowa Farm Bureau | $22,309 | $1,859 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Nebraska by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Nebraska rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Auto-Owners | $1,638 | $2,474 | $2,564 |
| GEICO | $2,859 | $5,948 | $3,081 |
| Allstate | $2,824 | $3,957 | $3,090 |
| Progressive | $2,515 | $4,349 | $3,603 |
| USAA | $1,797 | $2,669 | $2,240 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Nebraska
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Nebraska will impact what you pay. Below, we've gathered Nebraska car insurance rates by city for comparison.
Car insurance premium trends in Nebraska
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Nebraska to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Nebraska car insurance rates with other states
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