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.

Best car insurance companies in Nebraska
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Auto-OwnersA++$ 1,2640.644.73
NationwideA+$ 8920.664.53
State FarmA++$ 1,7450.524.43
GeicoA++$ 1,7650.774.41
USAA*A++$ 1,2250.994.32
ProgressiveA+$ 2,2340.734.01
AllstateA+$ 1,7390.953.9
FarmersA$ 1,6640.773.85
Automobile Club MI (AAA)A$ 5,2571.381.95

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.

CompanyState minimum50/100/50 liability only100/300/100 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.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.  

Cheapest car insurance by age in Nebraska
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. 

Cheapest car insurance companies for tickets and accidents in Nebraska 
CompanyClean recordAccidentTicket
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 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

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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