Best renters insurance companies in Nebraska

When choosing the best renters insurance company in Nebraska, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Nebraska. Below is our list of best renters insurance companies in Nebraska based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
State Farm4
American Family3.5
Nationwide3.5
USAA3.5
Farmers3
Travelers2.5

Compare the best renters insurance companies in Nebraska

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Nebraska residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Nebraska. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $146.

The table below offers a detailed comparison of renters insurance companies in Nebraska.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$146A++
Nationwide852$205A+
American Family856$222A
USAA894$148A++
Farmers842$290A
Travelers835$466A++

How much is renters insurance in Nebraska

Nebraska residents pay an average of $246 a year for renters insurance, and the average monthly cost is $21. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual PremiumAverage Monthly Premium
$246$21

Most expensive ZIP codes in Nebraska for renters insurance

Several factors affect your renters insurance coverage cost in Nebraska, including your location and the coverage you buy. The most expensive ZIP code in Nebraska for renters insurance is 68176, where the average annual rate is $321 which is $75 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Nebraska for renters insurance.

ZIP codeAverage Annual Rate
68176$321
68056$309
68063$308
68382$307
68364$306
69220$305
68738$304
69171$302
68110$276
68111$273

Least expensive ZIP codes in Nebraska for renters insurance

Renters insurance rates in Nebraska are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Nebraska is 68755, and its average annual rate is $231.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
68755$231
68759$232
68724$233
68837$234
68969$235
68972$236
69036$237
68778$238
69337$239
68730$240

Compare renters insurance rates by city in Nebraska

Renters 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 renters insurance for your specific city in Nebraska.

CityAnnual insurance premium
Bellevue
$244
Columbus
$238
Fremont
$239
Grand Island
$238
Hastings
$237
Kearney
$238
Lincoln
$241
Norfolk
$238
Omaha
$258
Papillion
$240

Cheap renters insurance in Nebraska by company

There are a lot of companies offering renters insurance in Nebraska. Among the carriers surveyed by Insurance.com, State Farm is the cheapest renters insurance company in Nebraska; its average annual premium is $146.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Nebraska and their average annual premiums.

Company NameAverage Annual Premium
State Farm$146
USAA$148
Iowa Farm bureau$180
Nationwide$205
American Family$222
Farmers Mutual Ins Co of NE$229
Metropolitan$289
Farmers$290
Travelers$466

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.

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