Average cost of car insurance in Nebraska

The average car insurance rate in Nebraska is $1,902 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 $331.

Best car insurance companies in Nebraska

Auto-Owners is the best car insurance company in Nebraska, based on an analysis by Insurance.com, with an overall rating of 4.01. 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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
Auto-OwnersA++8290.54.01$1,193
NationwideA+7920.643.41$1,216
ProgressiveA+8030.652.95$1,964
State FarmA++8330.72.91$2,344
Shelter InsuranceA8511.182.9$1,647
GeicoA++8190.912.71$2,372
AllstateA+8060.652.56$2,621

Data updated in 2024
Read our full methodology

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, Auto-Owners is the cheapest auto insurance company in Nebraska with average rates of $1,193 annually or $99 a month for full coverage.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Auto-Owners$255$283$1,193
Nationwide$314$330$1,216
USAA$239$277$1,328
Shelter Insurance$345$402$1,647
Farmers Mut Ins Co of NE$277$301$1,910
Progressive$265$321$1,964
State Farm$409$469$2,344
Geico$242$272$2,372
Iowa Farm Bureau$360$406$2,430
Allstate$602$658$2,621

*USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Nebraska
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
68110 - Omaha
For a 30-year-old male
$48 State minimum
$211 Full coverage
$54 Liability only

Most & least expensive ZIP codes for auto insurance in Nebraska

Most Expensive

ZIP codeCityHighest rate
68111Omaha$214
68110Omaha$211
69032Hayes Center$205
69121Arthur$203

Least Expensive

ZIP codeCityLowest rate
68505Lincoln$149
68516Lincoln$149
68520Lincoln$150
68512Lincoln$150
Data updated in 2024
Read our full methodology

Nebraska car insurance requirements

You need car insurance with minimum coverage levels of 25/50/25 in Nebraska, which costs $330 each year or $27 each month.

Minimum liability insurance 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, Progressive has the cheapest state minimum liability coverage, at $252 per year or $21 each month. USAA offers cheaper rates but is available only to military veterans and their families. 

Here are the most affordable car insurance companies for state minimum coverage in Nebraska.

State minimum auto insurance coverage in Nebraska, NE
Company Liability insurance premiumMonthly liability insurance premium
USAA*$236$20
Progressive$252$21
Auto-Owners$255$21
Geico$256$21
Farmers Mut Ins Co of NE$279$23
Nationwide$309$26
Iowa Farm Bureau$344$29
Shelter Insurance$345$29
State Farm$409$34
Allstate$602$50

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Nebraska by age

company_name
Cheapest for teens
$3,296/yr
Learn more
company_name
Cheapest for adults
$1,188/yr
Learn more
company_name
Cheapest for seniors
$1,040/yr
Learn more

In Nebraska, car insurance rates are higher for teenagers due to their lack of experience on the road.

Auto-Owners offers the cheapest car insurance for teen drivers in Nebraska at $3,296 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 $1,188 per year and $1,040 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.

Age group
Teen
Age
16
Table
Graph
Auto-Owners$4,249$354
Nationwide$4,369$364
Farmers Mut Ins Co of NE$4,575$381
USAA$5,197$433
Shelter Insurance$6,562$547
State Farm$7,084$590
Geico$9,778$815
Iowa Farm Bureau$10,270$856
Progressive$10,525$877
Allstate$11,394$950
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Nebraska by driver profile

company_name
Cheapest for at-fault accident
$1,802/yr
Learn more
company_name
Cheapest for DUI
$2,348/yr
Learn more
company_name
Cheapest for speeding ticket
$1,494/yr
Learn more

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. 

CompanyClean recordAccidentSpeeding ticket
Nationwide$1,216$2,110$1,494
Auto-Owners$1,193$1,802$1,643
USAA$1,328$1,974$1,656
State Farm$2,344$2,701$2,522
Geico$2,372$4,935$2,556
Progressive$1,964$3,398$2,815
Allstate$2,621$3,672$2,867

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Nebraska

Auto insurance rates in your city can differ significantly from the state average 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 to find the most competitive rates for your specific city in Nebraska.

CityAnnual insurance premium
Alliance
$2,102
Bellevue
$1,772
Lincoln
$1,668
Omaha
$1,944
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Nebraska have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 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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