- 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 $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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 829 | 0.5 | $1,193 | 4.01 |
| Nationwide | A+ | 792 | 0.64 | $1,216 | 3.41 |
| Progressive | A+ | 803 | 0.65 | $1,964 | 2.95 |
| State Farm | A++ | 833 | 0.7 | $2,344 | 2.91 |
| Shelter Insurance | A | 851 | 1.18 | $1,647 | 2.9 |
| Geico | A++ | 819 | 0.91 | $2,372 | 2.71 |
| Allstate | A+ | 806 | 0.65 | $2,621 | 2.56 |
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 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
Most & least expensive ZIP codes for auto insurance in Nebraska
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 68111 | Omaha | $214 |
| 68110 | Omaha | $211 |
| 69032 | Hayes Center | $205 |
| 69121 | Arthur | $203 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 68505 | Lincoln | $149 |
| 68516 | Lincoln | $149 |
| 68520 | Lincoln | $150 |
| 68512 | Lincoln | $150 |
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 $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.
| Company | Liability insurance premium | Monthly 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
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.
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.
| Nationwide | $4,369 | $364 |
| USAA | $5,197 | $433 |
| State Farm | $7,084 | $590 |
| Geico | $9,778 | $815 |
| Progressive | $10,525 | $877 |
| Allstate | $11,394 | $949 |
*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 |
|---|---|---|---|
| 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.
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.
Car insurance premium trends in Nebraska
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.
Methodology
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.
Compare Nebraska car insurance rates with other states
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