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The cost of car insurance in Nebraska can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Nebraska is $1,976 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

KEY TAKEAWAYS
  • The average cost of auto insurance in Nebraska is $1,976 per year for a 30-year-old driver.
  • Nationwide is the cheapest car insurance company in Nebraska that offers full coverage policy at about $892 per year or $74 monthly.
  • In Nebraska, Nationwide is the cheapest company for teens, Nationwide is the cheapest company for young drivers. On the other hand, Nationwide is the cheapest company for adults, and Nationwide is the cheapest company for seniors.
  • Based on the driving history of a driver in Nebraska, the cheapest company for drivers with a speeding ticket is Nationwide, and State Farm is the cheapest for drivers with DUI.

Cheapest car insurance companies in Nebraska

Nationwide is the cheapest car insurance company in Nebraska that offers full coverage policy at about $892 per year or $74 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Nebraska.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
Nationwide$892$74
USAA$1,225$102
Auto-Owners$1,264$105
Farmers$1,664$139
Allstate$1,739$145
State Farm$1,745$145
Geico$1,765$147
Progressive$2,234$186
Automobile Club MI (AAA)$5,257$438

Cheapest car insurance for teens in Nebraska

Nationwide is the cheapest car insurance provider for teen drivers in Nebraska. It offers insurance at about $3,499 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
Nationwide$3,499
Allstate$3,665
Auto-Owners$3,771
USAA$3,780
State Farm$4,908
Geico$6,354
Farmers$7,676
Progressive$8,055
Automobile Club MI (AAA)$10,675

Cheapest car insurance for young drivers in Nebraska

The cheapest car insurance company for young drivers in Nebraska is Nationwide at about $1,641 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Nationwide$1,641
USAA$2,014
Allstate$2,099
Farmers$2,364
Auto-Owners$2,536
Geico$2,632
State Farm$2,940
Progressive$3,570
Automobile Club MI (AAA)$7,430

Cheapest car insurance for adults in Nebraska

According to Insurance.com's rate analysis, Nationwide offers the cheapest car insurance for adults in Nebraska. Its average rate is $902 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Nebraska.

CompanyAverage annual premium
Nationwide$902
USAA$1,264
Auto-Owners$1,292
Farmers$1,660
Geico$1,697
State Farm$1,779
Allstate$1,805
Progressive$2,320
Automobile Club MI (AAA)$5,395

Cheapest car insurance for seniors in Nebraska

Nationwide offers the cheapest car insurance for seniors in Nebraska. The average annual premium offered is $847. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in Nebraska:

CompanyAverage annual premium
Nationwide$847
Auto-Owners$1,121
USAA$1,138
State Farm$1,558
Allstate$1,565
Farmers$1,614
Geico$1,842
Progressive$2,049
Automobile Club MI (AAA)$5,086

Cheapest car insurance rates in Nebraska by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide has the cheapest auto insurance for drivers with poor credit at about $3,617 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Nationwide$1,502
USAA$2,054
Geico$2,133
Allstate$2,721
Farmers$2,813
Auto-Owners$3,605
Progressive$4,448
Auto Club Entreprises$5,289
Automobile Club of MI$5,715
State Farm$7,882

Cheapest auto insurance for drivers with a speeding ticket: Nationwide

If you have a speeding ticket on your record, Nationwide offers the cheapest car insurance at about $2,217 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
Nationwide$1,302
USAA$1,465
Auto-Owners$1,515
Geico$1,568
Allstate$1,908
State Farm$1,942
Farmers$2,424
Progressive$2,666
Auto Club Entreprises$5,060
Automobile Club of MI$5,478

Cheapest auto insurance after an at-fault accident : Auto-Owners

Auto-Owners offers the cheapest car insurance after an at-fault accident. Its average cost for Nebraska drivers is $2,642 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
Auto-Owners$1,467
USAA$1,748
Nationwide$1,827
State Farm$2,079
Allstate$2,432
Farmers$2,631
Geico$2,965
Progressive$3,333
Auto Club Entreprises$5,195
Automobile Club of MI$5,594

Cheapest auto insurance after a DUI : State Farm

If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Nebraska at $3,246 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in Nebraska, along with their average annual premium.

CompanyAverage annual premium
State Farm$1,942
Nationwide$2,159
Allstate$2,240
Progressive$2,379
USAA$2,430
Auto-Owners$2,518
Farmers$2,518
Geico$4,702
Automobile Club of MI$8,300
Auto Club Entreprises$8,333

Average cost of car insurance in Nebraska

The average car insurance rate for full coverage in Nebraska is $1,976 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in Nebraska is $321 annually.

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