Cheap Nebraska Car Insurance

Find affordable auto insurance that works for you in Nebraska. Compare quotes from over 100 top companies.

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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. We've made shopping for the best cheap insurance in Nebraska easy.  Below, learn how the most common rating factors affect the state's average premiums. Or, submit your ZIP code above to compare personalized rates in minutes.


 

Affordable insurance companies in Nebraska

What's the cheapest car insurance in Nebraska?
RankCompany NameAvg. Annual Premium
1Safeco$496
2The Hartford$856
3Allied$1,161
4Nationwide$1,165
5Farmers Mutual of Nebraska$1,233
6State Farm$1,297
7Iowa Mutual$1,630
8Progressive$1,840
9American Family$2,057
10Farmers$2,309

Get quotes from dozens of companies that provide coverage throughout Nebraska. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Nebraska

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Nebraska drivers don't enjoy much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just a 14% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$20314.66%
No Accidents$57632.80%
Good Credit$86842.35%

 

Cheap auto insurance for young drivers Nebraska

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Nebraska, the typical teen driver pays $4,891 per year, which aligns closely with the national average for all teen drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,922$5,238
17$5,694$4,665
18$5,732$4,232
19$4,892$2,753

 

Cheap auto insurance for bad drivers in Nebraska

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 39% after a DUI, 32% after an at-fault accident, and 14% after a speeding ticket in Nebraska. The post-citation penalties assessed by car insurance companies in Nebraska roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,75732.80%
DUI$1,93839.06%
Speeding Violation$1,38414.66%
Bad Credit$2,04942.35%

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Top rated car insurance companies in Nebraska

Almost every auto insurance company advertises its cheap prices. But as with any product or service, the least expensive insurance isn't always the best choice. Considering what's at stake, it's worthwhile to do the homework to find an auto insurance policy that covers your vehicle adequately in the event of an accident. Be patient and look for the best value, rather than settling for the cheapest auto insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AlliedN/AN/AAverageN/A
AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
FarmersAverageBelow averageExcellent4.3 / 5
Farmers Mutual of NebraskaN/AN/AExcellentN/A
GEICOAverageAverageSuperior4.4 / 5
Iowa MutualN/AN/AExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5

Nebraska auto insurance laws

In Nebraska, drivers are required to maintain liability and uninsured motorist coverages at or above the below minimums:

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

If you select the minimum required coverage in Nebraska, you can expect to owe an average of $422 per year. This expenditure is cheaper than the national average by 36%. If you opt for more comprehensive coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-vs.-car collisions, theft, or weather incidents. Better insurance coverage comes at a price: in Nebraska, a comprehensive policy with a $1,000 deductible costs $998, 137% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 181% more than you would for basic liability-only coverage.

Learn more about auto insurance regulations in Nebraska

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How tickets change insurance rates in Nebraska

If you receive a ticket or citation, your car insurance costs will probably go up. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below car insurance costs in Nebraska after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,03859%$754
Refused Breathalyzer/Chemical Test$1,89848%$614
DUI$1,89848%$614
Racing$2,03859%$754
Reckless Driving$2,07261%$788
Driving with a Suspended License$2,03859%$754
At-Fault Accident$1,76337%$478
Driving with an Open Container$1,75437%$469
Operating a Vehicle Without Permission$1,60825%$324
Passing a School Bus$1,57423%$290
Improper Passing$1,57423%$290
Following Too Closely$1,57623%$292
Speeding$1,53820%$254
Failure to Stop at a Red Light$1,56021%$275
Illegal Turn$1,57623%$292
Driving Wrong Way/Wrong Lane$1,55821%$274
Failure to Yield$1,57623%$292
Speeding in a School Zone$1,53319%$249
Driving Too Slowly$1,50517%$221
Distracted Driving$1,57022%$285
Driving with Expired Registration$1,50917%$224
Failure to Show Documents$1,50917%$224
Not-at-Fault Accident$1,42911%$145
Failure to Use Child Safety Restraint$1,41410%$130
Failure to Wear a Seat Belt$1,3918%$106
Driving Without Lights$1,41410%$130

 

Nebraska car insurance FAQs

What is the average cost of car insurance in Nebraska?

On average, drivers in Nebraska pay $593 for a six-month car insurance policy. This is about 16% more than the national average.

Is car insurance required in Nebraska?

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?

Our data indicate Safeco and The Hartford offer the cheapest auto insurance in Nebraska. Safeco's policies cost $496 per year and The Hartford charges $596.

How much does car insurance cost in Nebraska cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Columbus, Nebraska, and the most expensive in Scottsbluff, Nebraska.

RankCityAvg. Annual Premium
1Scottsbluff$1,488
2Omaha$1,453
3Bellevue$1,328
4Kearney$1,327
5Hastings$1,291
6Fremont$1,281
7Lincoln$1,255
8Norfolk$1,242
9Grand Island$1,220
10Columbus$1,209

 

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Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.