Average home insurance cost in Nebraska
The average cost of homeowners insurance in Nebraska is $5,513 a year or $459 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, and other factors. It’s a good idea to compare price quotes from different Nebraska homeowners insurance companies to get the best deal.
Best home insurance companies in Nebraska
The best home insurance company in Nebraska is State Farm, followed by Allstate and Farmers Mutual of Nebraska.
Below is a full list of the top Nebraska insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Nebraska
Below are Nebraska home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates for lower coverage levels. USAA offers cheaper rates but is available only to military veterans and their families.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $4,141 | $4,857 | $5,391 | $6,369 | $8,182 |
| American Family | $4,225 | $5,509 | $6,788 | $9,037 | $12,684 |
| Farmers | $3,558 | $4,833 | $6,057 | $8,815 | $13,376 |
| Farmers Mutual of Nebraska | $3,646 | $5,057 | $6,722 | $10,001 | $10,696 |
| Iowa Farm Bureau | $6,927 | $9,307 | $11,881 | $16,862 | $22,835 |
| Nationwide | $3,886 | $5,330 | $6,850 | $9,677 | $15,077 |
| State Farm | $3,495 | $4,402 | $5,201 | $6,800 | $8,740 |
| Travelers | $5,653 | $7,138 | $8,164 | $9,655 | $12,175 |
| USAA | $3,228 | $4,272 | $5,254 | $6,676 | $8,154 |
*USAA only provides coverage to military members, veterans, and their families.
Nebraska home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Nebraska to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest and lowest rates shows the maximum you could potentially save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Nebraska Department of Insurance says...
It's important to review your homeowners insurance coverage every year. Make sure it includes any remodeling, the addition of expensive new personal property (such as jewelry or electronics), the installation of security equipment or other changes that might impact your policy.
- The Nebraska Department of InsuranceThe most expensive ZIP codes in Nebraska for home insurance
Nebraska homeowners insurance rates are the most expensive for ZIP code 68925 with an average annual cost of $6,668.
The most expensive ZIP codes in Nebraska are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Ayr | 68925 | $6,668 |
| Giltner | 68841 | $6,667 |
| Roseland | 68973 | $6,658 |
| Fairfield | 68938 | $6,627 |
| Nelson | 68961 | $6,613 |
| Trumbull | 68980 | $6,605 |
| Superior | 68978 | $6,600 |
| Red Cloud | 68970 | $6,585 |
| Edgar | 68935 | $6,565 |
| Harvard | 68944 | $6,565 |
The least expensive ZIP codes in Nebraska for home insurance
The cheapest ZIP codes for home insurance in Nebraska are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Crookston | 69212 | $4,494 |
| Omaha | 68138 | $4,552 |
| Chadron | 69337 | $4,586 |
| Sheridan | 68713 | $4,592 |
| Omaha | 68136 | $4,664 |
| Kennard | 68034 | $4,667 |
| Arlington | 68002 | $4,689 |
| Mitchell | 69357 | $4,695 |
| Bridgeport | 69336 | $4,695 |
| Omaha | 68178 | $4,717 |
Nebraska homeowners insurance rates by county
Home insurance rates in Nebraska vary by county. Take a look at the average rates by county in Nebraska below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $6,416 | $535 |
| Antelope | $5,291 | $441 |
| Arthur | $5,327 | $444 |
| Banner | $5,311 | $443 |
| Blaine | $5,544 | $462 |
| Boone | $5,616 | $468 |
| Box Butte | $5,035 | $420 |
| Boyd | $4,893 | $408 |
| Brown | $5,027 | $419 |
| Buffalo | $6,181 | $515 |
| Burt | $5,053 | $421 |
| Butler | $5,533 | $461 |
| Cass | $5,273 | $439 |
| Cedar | $4,997 | $416 |
| Chase | $5,537 | $461 |
| Cherry | $5,155 | $430 |
| Cheyenne | $5,338 | $445 |
| Clay | $6,425 | $535 |
| Colfax | $5,364 | $447 |
| Cuming | $5,223 | $435 |
| Custer | $6,096 | $508 |
| Dakota | $4,934 | $411 |
| Dawes | $4,929 | $411 |
| Dawson | $5,994 | $500 |
| Deuel | $5,616 | $468 |
| Dixon | $5,049 | $421 |
| Dodge | $5,247 | $437 |
| Douglas | $5,120 | $427 |
| Dundy | $5,885 | $490 |
| Fillmore | $5,823 | $485 |
| Franklin | $6,254 | $521 |
| Frontier | $5,979 | $498 |
| Furnas | $6,103 | $509 |
| Gage | $5,568 | $464 |
| Garden | $5,467 | $456 |
| Garfield | $5,732 | $478 |
| Gosper | $6,046 | $504 |
| Grant | $5,229 | $436 |
| Greeley | $5,810 | $484 |
| Hall | $6,007 | $501 |
| Hamilton | $6,352 | $529 |
| Harlan | $6,297 | $525 |
| Hayes | $6,044 | $504 |
| Hitchcock | $6,045 | $504 |
| Holt | $5,105 | $425 |
| Hooker | $5,030 | $419 |
| Howard | $6,027 | $502 |
| Jefferson | $5,558 | $463 |
| Johnson | $5,299 | $442 |
| Kearney | $6,407 | $534 |
| Keith | $5,434 | $453 |
| Keya Paha | $4,920 | $410 |
| Kimball | $5,148 | $429 |
| Knox | $4,990 | $416 |
| Lancaster | $5,189 | $432 |
| Lincoln | $5,674 | $473 |
| Logan | $5,491 | $458 |
| Loup | $5,767 | $481 |
| Madison | $5,249 | $437 |
| McPherson | $5,454 | $455 |
| Merrick | $5,950 | $496 |
| Morrill | $5,012 | $418 |
| Nance | $5,727 | $477 |
| Nemaha | $5,139 | $428 |
| Nuckolls | $6,439 | $537 |
| Otoe | $5,245 | $437 |
| Pawnee | $5,296 | $441 |
| Perkins | $5,451 | $454 |
| Phelps | $6,374 | $531 |
| Pierce | $5,272 | $439 |
| Platte | $5,571 | $464 |
| Polk | $5,723 | $477 |
| Red Willow | $6,244 | $520 |
| Richardson | $5,142 | $428 |
| Rock | $5,169 | $431 |
| Saline | $5,622 | $469 |
| Sarpy | $5,032 | $419 |
| Saunders | $5,155 | $430 |
| Scotts Bluff | $5,271 | $439 |
| Seward | $5,593 | $466 |
| Sheridan | $5,208 | $434 |
| Sherman | $5,895 | $491 |
| Sioux | $5,180 | $432 |
| Stanton | $5,405 | $450 |
| Thayer | $5,812 | $484 |
| Thomas | $5,415 | $451 |
| Thurston | $5,112 | $426 |
| Valley | $5,981 | $498 |
| Washington | $4,927 | $411 |
| Wayne | $5,206 | $434 |
| Webster | $6,391 | $533 |
| Wheeler | $5,581 | $465 |
| York | $5,924 | $494 |
Compare homeowners insurance rates by city in Nebraska
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Nebraska.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio, and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare Nebraska homeowners insurance rates with other states
