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Here's what you need to know when driving in Nebraska

Across the Cornhusker State, there are 190,398 miles of road just waiting to be driven. The average car insurance rate in Nebraska is $1,589 per year — just about 4% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Nebraska car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Nebraska based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Nebraska

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Nebraska.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the central region.

2nd place medal
Shelter Insurance

As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.

3rd place medal
Farmers

Farmers Insurance placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Nebraska drivers pay about 4% more for car insurance on average
  • The cheapest major car insurance company is Nationwide

The cheapest car insurance companies in Nebraska

These companies offer the cheapest rates in the following scenarios.

Nationwide
Cheapest full coverage insurance: Nationwide

The cheapest rates for full coverage insurance in Nebraska are from Nationwide at $1,210 annually, about $100 per month.

USAA
Cheapest for teens: USAA

For teen drivers in Nebraska, USAA is the cheapest on average. 

Farmers logo
Cheapest for DUI: Farmers

If you have a DUI on your record, check out Farmers for the cheapest average rates, followed closely by Nationwide.

Company Avg. Annual Premium
Nationwide $1,210
USAA $1,229
GEICO $1,716
Farmers $1,870
Progressive $2,375
Allstate $2,432
State Farm $2,667
Updated: 09/27/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Nebraska auto insurance laws

Car insurance is mandatory in almost every state, including Nebraska. If you choose the legal minimum coverage level in Nebraska, expect to pay an average of $425 annually. This expenditure is less expensive than the nationwide average by 21%. 

If you choose the legal minimum coverage level in Nebraska, expect to pay an average of $425 annually

State minimum coverage

In order to drive legally in the state of Nebraska, you must carry at least the minimum liability limits listed below:

Liability:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Uninsured Motorist:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Optional coverage in Nebraska (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Nebraska, a comprehensive insurance policy with a $1,000 deductible costs $1,318, 210% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay around $1,751, 312% more than you would for basic coverage.

In Nebraska, a comprehensive insurance policy with a $1,000 deductible costs $1,318, 210% more than liability-only car insurance.

The Zebra's guide to Nebraska car insurance laws


Learn more about car insurance requirements in the state of Nebraska with our helpful guide.


Compare car insurance rates from the best companies in Nebraska.

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Nebraska car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Nebraska.

 

Cheap auto insurance in Nebraska for minimum coverage

Getting the bare minimum of car insurance required by your state is certainly a way to save money, but it's worth remembering that skimping on coverage can leave you and your vehicle at risk in the event of an accident. For reference, the average cost of minimum coverage car insurance in Nebraska is around $425. To get a sense of the cheapest carriers, have a look at the table below.

Company Avg. Annual Premium
GEICO $299
USAA $309
Nationwide $348
Allstate $518
Progressive $574
State Farm $575
Farmers $754
Updated: 09/27/22.

Cheap auto insurance in Nebraska with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Nebraska drivers with poor credit pay 172% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
Nationwide $1,703
USAA $2,209
GEICO $2,316
Farmers $2,803
Allstate $3,401
Progressive $4,903
State Farm $11,642
Updated: 09/27/22.

Cheap auto insurance in Nebraska with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. The average rate after an at-fault accident could see your car insurance rates increase to an average of $2,162 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,741
Nationwide $1,965
Farmers $2,584
GEICO $2,864
State Farm $3,173
Allstate $3,323
Progressive $3,343
Updated: 09/27/22.

Cheap auto insurance for young drivers in Nebraska

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Nebraska, teen drivers pay especially high rates: $4,839 per year — a whopping 210% increase.

Company Avg. Annual Premium
USAA $3,466
Nationwide $3,792
GEICO $4,727
Allstate $5,664
Farmers $7,941
State Farm $8,312
Progressive $8,684
Updated: 09/27/22.

Nebraska auto insurance rate by violation

In Nebraska, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Nebraska after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,816 0% $0
One Med/PIP claim $1,820 0% $4
Not-at-fault accident $1,915 5% $99
One comp claim $1,948 7% $133
Two Med/PIP claims $1,960 8% $144
Failure to wear a seat belt $2,019 11% $203
Cell phone violation $2,021 11% $205
Texting while driving $2,021 11% $205
Failure to show documents $2,022 11% $207
Driving with expired registration $2,035 12% $219
Driving without lights $2,054 13% $238
Failure to yield $2,080 15% $265
Child safety restraint $2,083 15% $267
Driving too slowly $2,085 15% $269
Speeding in school zone $2,096 15% $281
Failure to stop at a red light $2,109 16% $293
Illegal turn $2,121 17% $305
Speeding 6 - 10 MPH over limit $2,146 18% $330
Following too closely $2,150 18% $334
Passing school bus $2,154 19% $338
Speeding 11 - 15 MPH over limit $2,173 20% $358
Improper passing $2,175 20% $360
Two comp claims $2,179 20% $364
Speeding 16 - 20 MPH over limit $2,189 21% $373
Speeding 21 - 25 MPH over limit $2,230 23% $415
Wrong way/wrong lane $2,240 23% $424
In 65 MPH zone $2,329 28% $513
Operating a vehicle without permission $2,354 30% $539
At-fault accident - less than $1000 $2,367 30% $551
Open container $2,382 31% $566
At-fault accident - $1000-$2000 $2,608 44% $792
At-fault accident - greater than $2000 $2,657 46% $841
Reckless driving $3,030 67% $1,215
Driving with a suspended license $3,131 72% $1,315
Refusal to submit to a chemical test $3,202 76% $1,387
DUI $3,278 81% $1,463
Racing $3,359 85% $1,543
Leaving scene of an accident/hit and run $3,368 86% $1,553
Updated: 09/27/22.

Nebraska DUI laws

In Nebraska, a DUI offense can increase your annual car insurance premium to an average of $3,278. That’s 32% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Nebraska

If you're convicted of a DUI or DWI violation in Nebraska, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Nebraska comes from Farmers, with annual rates 24% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Nebraska is Nationwide, while the priciest carrier is GEICO, with prices 23% above average.

Company Avg. Annual Premium
Farmers $2,482
Nationwide $2,521
USAA $2,540
Progressive $2,673
Allstate $2,857
State Farm $3,391
GEICO $4,021
Updated: 09/27/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Nebraska SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Nebraska to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Nebraska might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Nebraska

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Nebraska in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the state's largest cities, the cheapest car insurance is found in Lincoln, Nebraska, and the most expensive in Omaha, Nebraska.

Have a look at the table below to see average car insurance costs in some of Nebraska's biggest cities.

City Avg. Annual Premium
Lincoln $1,558
Bellevue $1,689
Grand Island $1,709
Kearney $1,756
Omaha $1,805
Updated: 09/27/22.

Car insurance price trends in Nebraska

In Nebraska, average annual auto insurance costs increased by $68 in the past year. A typical Nebraska driver pays an average of $1,589 per year.

The recent pricing trend in Nebraska leans toward slightly pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

NEBRASKA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Nebraska Yearly Change — Nebraska Avg. Annual Premium — US Yearly Change — US
2021 $1,589 $68 $1,529 $46
2020 $1,521 $83 $1,483 $61
2019 $1,438 $168 $1,544 $23
2018 $1,270 -$526 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Nebraska car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Nebraska auto insurance.

What is the average cost of car insurance in Nebraska? Chevron down icon
On average, drivers in Nebraska pay $794 for a six-month car insurance policy. This is about 4% more than the national average.
Is car insurance required in Nebraska? Chevron down icon
If your vehicle is parked on a public road or driven on a public street, you are required to carry at least the legal liability limit.
Who really has the cheapest auto insurance in Nebraska? Chevron down icon
Our data indicate Nationwide and USAA offer the cheapest auto insurance in Nebraska. Nationwide's policies cost $1,210 per year and USAA charges $1,229.

Save money on your next car insurance policy!

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RECENT QUESTIONS

Need an SR22 for a state I don't reside in

You can get insurance with an SR-22 for a different state since that is required to get your license reinstated. We can quote you with several different companies that will be able to help you at The Zebra.
Dec 5, 2018 Phoenix, AZ

Garage doors damaged

Only file a claim if the damages are so bad that you can't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at-fault accident on your record for 3 years.
Jul 4, 2018 Omaha, NE

My insurance was payroll deducted but my car was repo'ed and it's still deducted

Your best bet is to contact the insurance company with proof the very was repossessed at the time you claim. They may be able to refund you the amount that was deducted from your paychecks.
Jan 19, 2018 Rocky Mount, North Carolina

Insurer refuses to give me my money back

I would try calling back again. It could be that the agent you spoke with was misinformed.
Jan 31, 2018 Tucson, Arizona

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.