- 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 insurance companies in Nebraska by driver profile
- Compare auto insurance rates by city in Nebraska
- Methodology
- Compare auto 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 | Avg. Annual Premium | JD Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $1,193 | 829 | 0.50 | 4.01 |
| Nationwide | A+ | $1,216 | 792 | 0.64 | 3.41 |
| Progressive | A+ | $1,964 | 803 | 0.65 | 2.95 |
| State Farm | A++ | $2,344 | 833 | 0.70 | 2.91 |
| Shelter Insurance | A | $1,647 | 851 | 1.18 | 2.90 |
| Geico | A++ | $2,372 | 819 | 0.91 | 2.71 |
| Allstate | A+ | $2,621 | 806 | 0.65 | 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 |
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.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Auto-Owners | $3,296 |
| Teens (16-19) | Nationwide | $3,918 |
| Teens (16-19) | USAA* | $4,037 |
| Teens (16-19) | Farmers Mut Ins Co of NE | $4,162 |
| Teens (16-19) | Shelter Insurance | $5,152 |
| Teens (16-19) | State Farm | $6,012 |
| Teens (16-19) | Iowa Farm Bureau | $6,156 |
| Teens (16-19) | Geico | $7,466 |
| Teens (16-19) | Allstate | $7,479 |
| Teens (16-19) | Progressive | $8,171 |
| Young Adults (20-24) | Nationwide | $1,972 |
| Young Adults (20-24) | Auto-Owners | $2,031 |
| Young Adults (20-24) | USAA* | $2,158 |
| Young Adults (20-24) | Farmers Mut Ins Co of NE | $2,945 |
| Young Adults (20-24) | Progressive | $3,051 |
| Young Adults (20-24) | Shelter Insurance | $3,102 |
| Young Adults (20-24) | Iowa Farm Bureau | $3,377 |
| Young Adults (20-24) | Geico | $3,501 |
| Young Adults (20-24) | State Farm | $3,668 |
| Young Adults (20-24) | Allstate | $3,826 |
| Adults (25-60) | Nationwide | $1,188 |
| Adults (25-60) | Auto-Owners | $1,207 |
| Adults (25-60) | USAA* | $1,345 |
| Adults (25-60) | Shelter Insurance | $1,686 |
| Adults (25-60) | Farmers Mut Ins Co of NE | $1,900 |
| Adults (25-60) | Progressive | $1,968 |
| Adults (25-60) | State Farm | $2,335 |
| Adults (25-60) | Geico | $2,338 |
| Adults (25-60) | Iowa Farm Bureau | $2,339 |
| Adults (25-60) | Allstate | $2,667 |
| Seniors (65-75) | Nationwide | $1,040 |
| Seniors (65-75) | Auto-Owners | $1,178 |
| Seniors (65-75) | USAA* | $1,244 |
| Seniors (65-75) | Shelter Insurance | $1,530 |
| Seniors (65-75) | Progressive | $1,618 |
| Seniors (65-75) | Farmers Mut Ins Co of NE | $1,624 |
| Seniors (65-75) | Iowa Farm Bureau | $1,961 |
| Seniors (65-75) | State Farm | $2,115 |
| Seniors (65-75) | Allstate | $2,355 |
| Seniors (65-75) | Geico | $2,598 |
*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 | $1,062 | $1,986 | $1,388 |
| USAA* | $1,170 | $2,063 | $1,529 |
| Auto-Owners | $1,226 | $1,616 | $1,837 |
| Geico | $1,368 | $3,067 | $1,474 |
| Allstate | $1,747 | $2,583 | $1,927 |
| State Farm | $1,806 | $2,079 | $1,942 |
| Farmers | $1,881 | $3,014 | $2,593 |
| Progressive | $2,193 | $3,634 | $2,784 |
| Auto Club Enterprises (AAA) | $4,047 | $5,446 | $5,864 |
| Automobile Club of MI (AAA) | $4,530 | $5,805 | $6,164 |
*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.
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.
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