Nationwide offers the cheapest auto insurance rates in Nebraska at $892 a year or $74 monthly, on average, which is below the average Nebraska car insurance rate of $1,976 a year.
Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in Nebraska.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare Nebraska insurance rates by company, age, and more.
Key takeaways
- Auto-Owners is the best car insurance company in Nebraska overall, with below-average rates and a low complaint ratio.
- Nationwide is the cheapest car insurance company for all residents in Nebraska at $892 per year.
- Nationwide has the cheapest car insurance rates for teen, adult, and senior drivers in Nebraska.
- Average cost of car insurance in Nebraska
- Best car insurance companies in Nebraska
- Cheapest car insurance companies in Nebraska
- Cheapest car insurance cost in Nebraska by age
- Cheapest car iInsurance companies in Nebraska by driver profile
- Compare auto insurance rates by city in Nebraska
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Nebraska
The average car insurance rate in Nebraska is $1,976 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 $321.
Best car insurance companies in Nebraska
Auto-Owners is the best car insurance company in Nebraska, based on a 2023 analysis by Insurance.com, with an overall rating of 4.73. Nationwide came in second.
Below is a full list of the top 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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | $ 1,264 | 0.64 | 4.73 |
| Nationwide | A+ | $ 892 | 0.66 | 4.53 |
| State Farm | A++ | $ 1,745 | 0.52 | 4.43 |
| Geico | A++ | $ 1,765 | 0.77 | 4.41 |
| USAA* | A++ | $ 1,225 | 0.99 | 4.32 |
| Progressive | A+ | $ 2,234 | 0.73 | 4.01 |
| Allstate | A+ | $ 1,739 | 0.95 | 3.9 |
| Farmers | A | $ 1,664 | 0.77 | 3.85 |
| Automobile Club MI (AAA) | A | $ 5,257 | 1.38 | 1.95 |
USAA offers car insurance only to military members, veterans and their families.
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, Nationwide is the cheapest auto insurance company in Nebraska but is available only to military members and their families, with average rates of $892 annually or $74 a month, on average, for full coverage. USAA is cheaper if you qualify.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Nationwide | $ 350 | $ 359 | $ 892 |
| USAA* | $ 230 | $ 262 | $ 1,225 |
| Auto-Owners | $ 187 | $ 210 | $ 1,264 |
| Farmers | $ 529 | $ 567 | $ 1,664 |
| Allstate | $ 407 | $ 440 | $ 1,739 |
| State Farm | $ 315 | $ 362 | $ 1,745 |
| Geico | $ 219 | $ 244 | $ 1,765 |
| Progressive | $ 294 | $ 352 | $ 2,234 |
| Automobile Club MI (AAA) | $ 361 | $ 400 | $ 5,257 |
USAA offers car insurance only to military members, veterans and their families.
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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.
Nationwide offers the cheapest car insurance for teen drivers in Nebraska at $3,105 per year for a full coverage policy.
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, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $883 per year and $818 per year, respectively.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Nationwide | $ 3,105 |
| Teens (16-19) | Auto-Owners | $ 3,314 |
| Teens (16-19) | Allstate | $ 3,665 |
| Teens (16-19) | USAA | $ 3,700 |
| Teens (16-19) | State Farm | $ 4,370 |
| Teens (16-19) | Geico | $ 5,499 |
| Teens (16-19) | Farmers | $ 7,395 |
| Teens (16-19) | Progressive | $ 7,617 |
| Teens (16-19) | Automobile Club MI (AAA) | $ 9,687 |
| Young Adults (20-24) | Nationwide | $ 1,513 |
| Young Adults (20-24) | USAA | $ 1,968 |
| Young Adults (20-24) | Allstate | $ 2,099 |
| Young Adults (20-24) | Farmers | $ 2,265 |
| Young Adults (20-24) | Auto-Owners | $ 2,331 |
| Young Adults (20-24) | Geico | $ 2,477 |
| Young Adults (20-24) | State Farm | $ 2,690 |
| Young Adults (20-24) | Progressive | $ 3,367 |
| Young Adults (20-24) | Automobile Club MI (AAA) | $ 6,933 |
| Adults (25-55) | Nationwide | $ 883 |
| Adults (25-55) | USAA | $ 1,246 |
| Adults (25-55) | Auto-Owners | $ 1,283 |
| Adults (25-55) | Geico | $ 1,617 |
| Adults (25-55) | Farmers | $ 1,656 |
| Adults (25-55) | State Farm | $ 1,762 |
| Adults (25-55) | Allstate | $ 1,805 |
| Adults (25-55) | Progressive | $ 2,317 |
| Adults (25-55) | Automobile Club MI (AAA) | $ 5,304 |
| Seniors (60-75) | Nationwide | $ 818 |
| Seniors (60-75) | Auto-Owners | $ 1,121 |
| Seniors (60-75) | USAA | $ 1,125 |
| Seniors (60-75) | Farmers | $ 1,540 |
| Seniors (60-75) | State Farm | $ 1,558 |
| Seniors (60-75) | Allstate | $ 1,565 |
| Seniors (60-75) | Geico | $ 1,781 |
| Seniors (60-75) | Progressive | $ 1,964 |
| Seniors (60-75) | Automobile Club MI (AAA) | $ 5,086 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car iInsurance 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 | Ticket |
|---|---|---|---|
| Nationwide | $ 1,068 | $ 1,827 | $ 1,302 |
| USAA | $ 1,178 | $ 1,748 | $ 1,431 |
| Auto-Owners | $ 1,226 | $ 1,467 | $ 1,342 |
| Geico | $ 1,489 | $ 2,965 | $ 1,521 |
| Allstate | $ 1,747 | $ 2,432 | $ 1,908 |
| State Farm | $ 1,806 | $ 2,079 | $ 1,888 |
| Farmers | $ 1,832 | $ 2,631 | $ 2,524 |
| Progressive | $ 2,174 | $ 3,333 | $ 2,988 |
| Auto Club Entreprises | $ 4,100 | $ 5,195 | $ 4,772 |
| Automobile Club of MI | $ 4,580 | $ 5,594 | $ 5,202 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Nebraska
Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in Nebraska.
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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