Average home insurance cost in Nebraska

The average cost of homeowners insurance in Neraska is $4,800 a year or $400 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, among 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 American Family and Farmers.

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.

Best home insurance companies in Nebraska
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.77$4,527
American FamilyA0.84.21$3,961
FarmersA0.673.83$4,824
NationwideA+1.053.72$6,230
AllstateA+1.463.59$4,254
TravelersA++1.12.69$9,512

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 American Family has the most affordable rates for lower coverage levels.

Cheapest home insurance rates in Nebraska by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
American Family$3,030$3,961$4,892$6,534$9,343
Allstate$3,445$4,254$4,812$5,641$7,380
State Farm$3,518$4,527$5,531$7,693$11,582
Iowa Farm bureau$3,759$4,667$5,638$7,654$11,606
Farmers Mutual Ins Co of NE$3,381$4,705$6,266$9,327$10,646
Farmers$3,568$4,824$6,112$8,768$13,697
USAA*$4,152$5,105$6,016$7,493$9,854
Nationwide$4,497$6,230$7,897$10,985$16,810
Travelers$9,158$9,512$11,699$19,874$29,569

*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 rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Nebraska for home insurance 

Nebraska homeowners insurance rates are the most expensive for ZIP code 69356 with an average annual cost of $5,845.

The most expensive ZIP codes in Nebraska are:

ZIP codeAverage Annual Premium
69356$5,845
69162$5,838
69145$5,834
68970$5,746
69001$5,721
68938$5,705

The least expensive ZIP codes in Nebraska for home insurance

The cheapest ZIP codes for home insurance in Nebraska are:

ZIP codeAverage annual rate
68510$4,003
68505$4,032
68502$4,040
68506$4,071
68046$4,095
68512$4,099

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.

CityAnnual insurance premium
Bellevue
$3,330
Columbus
$3,466
Fremont
$3,486
Grand Island
$3,929
Hastings
$4,006
Kearney
$4,036
Lincoln
$3,668
Norfolk
$3,524
Omaha
$3,553
Papillion
$3,263

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
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