Car Insurance in Nebraska
- American National offers the cheapest liability and full coverage auto insurance in NE
- Compare the cheapest car insurance quotes in NE from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Nebraska
In Nebraska, the typical cost for full coverage car insurance is $1,024 for a six-month policy, which is 6% cheaper than the national average.[1] American National provides the most competitive rates for both full coverage and liability-only options.
While 32% of Nebraskans believe they are paying too much for car insurance, many prioritize excellent customer service and flexible coverage choices. Allstate and State Farm are excellent options for those customers.[2]
If you’re looking for a good balance of value, affordability, and customer support, we recommend Farmers Mutual of Nebraska, USAA (if you're eligible), or Auto-Owners.
- American National offered the cheapest liability insurance in Nebraska at $18/mo
- Read about the rest of the top and best companies in Nebraska ↓
- American National offers Nebraska's cheapest full insurance coverage at $72/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Nebraska ↓
- As a highly rated national carrier, State Farm scored 647 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Nebraska ↓
- The Zebra used third-party reviews from J.D. Power and AM Best and thousands of customer ratings in Nebraska to name Auto-Owners the best overall company for Nebraska drivers.
- Read more about why we've ranked Auto-Owners as a great fit for many Nebraskans ↓
Cheap liability insurance in Nebraska
In Nebraska, the average cost for a six-month liability insurance policy is $213.[1] For our profile, the best deals for liability coverage come from American National, Farmers Mutual of Nebraska, and USAA.Â
While these quotes may seem cheap, it’s important to remember that liability coverage doesn't have the level of coverage you'd get from comprehensive. It won't pay for any damage to your own car if you’re at fault in an accident; instead, it helps cover the costs for the other person involved. Below, you’ll find a table with monthly and six-month liability quotes from some of the top insurance companies in Nebraska.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
American National | $106 | $18 |
Farmers Mutual of Nebraska | $144 | $24 |
USAA | $175 | $29 |
GEICO | $185 | $31 |
Auto-Owners | $188 | $31 |
Progressive | $228 | $38 |
State Farm | $265 | $44 |
Allstate | $407 | $68 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 43% of drivers in Nebraska choose liability-only coverage. The Nebraska Department of Insurance sets minimum liability limits at 25/50/25, which means coverage of $25,000 for each person and $50,000 per accident for bodily injury, plus $25,000 for property damage per accident. Nebraska also requires uninsured motorist coverage, which must be $25,000 for bodily injury per person and $50,000 per accident.
Nebraska’s minimum required coverage is fairly standard, and while it meets legal requirements, you might consider adding more for extra peace of mind. If you’re in an accident with multiple vehicles and the damages exceed your coverage limits, you could be at risk of being sued for the difference. It’s a good idea to get quotes for 50/100/50 coverage (higher than the state minimum) and adjust based on your specific needs and budget.
Nebraska also requires uninsured/underinsured motorist coverage, which protects you against damages caused by drivers who lack sufficient coverage or have no insurance at all. If you're uncertain about how much coverage is right for you, it can be helpful to speak with an agent. Ultimately, I recommend getting as much coverage as you can comfortably afford.
Beth Swanson, licensed insurance writer at The Zebra
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Company | Liability Coverage | Full Coverage |
---|---|---|
American National | $106 | $430 |
Farmers Mutual of Nebraska | $144 | $599 |
USAA | $175 | $776 |
GEICO | $185 | $897 |
Auto-Owners | $188 | $586 |
Progressive | $228 | $980 |
State Farm | $265 | $1,089 |
Allstate | $407 | $1,486 |
Source: The Zebra
Compare car insurance rates from the best companies in Nebraska.
Cheap full coverage insurance in Nebraska
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
American National | $430 | $72 |
Auto-Owners | $586 | $98 |
Farmers Mutual of Nebraska | $599 | $100 |
USAA | $776 | $129 |
GEICO | $897 | $149 |
Progressive | $980 | $163 |
State Farm | $1,089 | $182 |
Allstate | $1,486 | $248 |
Source: The Zebra
What are the best car insurance companies in Nebraska?
We’ve recognized Auto-Owners as the top car insurance company in Nebraska based on customer reviews, third-party ratings (including J.D. Power, Trustpilot, and AM Best), as well as factors like available discounts and coverage options.
Below, you’ll find the pros and cons of Auto-Owners and other highly-rated insurers in Nebraska. To find the best fit for your needs, we suggest getting quotes from multiple companies to compare coverage options and make an informed choice.
Auto-Owners is known for its competitive pricing and quality customer service, ranking above average from J.D. Power for Overall Customer Satisfaction in the central United States.[3] While they may not be the cheapest every time, the company has a solid reputation for handling claims efficiently and has received high ratings for customer satisfaction.[4]
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Relatively low rates
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Variety of products and services
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Ranks well for customer satisfaction
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Limited availability (26 states)
Best car insurance in Nebraska — honorable mentions
To determine the best companies, we compared J.D. Power Auto ratings and consumer reviews collected from nearly 3,000 drivers across Nebraska and the U.S.
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Farmers Mutual of Nebraska | $599 | $100 |
USAA | $776 | $129 |
GEICO | $897 | $149 |
State Farm | $1,089 | $182 |
Source: The Zebra
How did we pick the company with the "Best Value" in Nebraska?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Nebraska
- Available coverage options
- The authors' 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
How have car insurance costs in Nebraska changed?
Over the past decade, car insurance rates in Nebraska have fluctuated significantly, reflecting a dynamic market. In 2024, the average annual premium reached $2,048, up $89 from the previous year. While there is an upward trend, rates have varied with ups and downs.
These changes reflect how regulatory shifts, economic factors, and market conditions impact insurance costs in Nebraska and nationwide. If you've noticed higher quotes this year, you're not alone. Comparing rates from different insurers can help you find the best coverage for your budget.
Year | Avg. Annual Premium | Yearly Change |
---|---|---|
2024 | $2,048 | $89 |
2023 | $1,959 | $143 |
2022 | $1,816 | $227 |
2021 | $1,589 | $68 |
2020 | $1,521 | $83 |
2019 | $1,438 | $168 |
2018 | $1,270 | -$526 |
2017 | $1,796 | $234 |
2016 | $1,562 | -$323 |
2015 | $1,885 | $216 |
Nebraska auto insurance quotes after an accident or ticket
Finding affordable car insurance in Nebraska after an accident can be tough. Insurers look at your accident history and any tickets to figure out your risk as a driver. If you're found at fault in an accident, your yearly premium could go up to $3,204.
Below is a look at what some of the top insurance companies in Nebraska might charge after an at-fault accident.
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
American National | $590 | $98 |
Farmers Mutual of Nebraska | $753 | $125 |
Auto-Owners | $864 | $144 |
USAA | $1,099 | $183 |
State Farm | $1,319 | $220 |
Progressive | $1,467 | $244 |
GEICO | $1,740 | $290 |
Allstate | $2,012 | $335 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
While we hope you never need to use your insurance, having a smooth claims process is crucial when you do. In our 2024 Customer Satisfaction Survey, we evaluated claim filers' satisfaction, and USAA stood out as an excellent choice for military members. For non-military customers, AAA and American Family are great alternatives.
A poor driving record in Nebraska can lead to much higher insurance premiums. If you get a ticket, your rates will likely increase, but the amount depends on the violation type, your insurer's policies, and local regulations and risk factors. This means the impact of a ticket on your insurance in Nebraska may differ from the national average.
Source: The Zebra
The Zebra's guide to Nebraska car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can lead to more serious insurance consequences. See the detailed explanations below for a better understanding of Nebraska’s car insurance laws and how these violations impact your coverage.
Learn more about car insurance requirements in Nebraska with our helpful guide.
Nebraska DUI laws
In Nebraska, a DUI offense can increase your annual car insurance premium to an average of $3,989. That’s 16% more than the national average rate hike after a DUI. Finding affordable auto insurance after a DUI violation isn’t simple. 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 vital to consider 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 American National, which has annual rates 68% less than the statewide average insurance rate for a DUI. The second-cheapest insurer for auto insurance after a DUI in Nebraska is Auto-Owners, while the priciest carrier is GEICO, with prices 25% above average.
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
American National | $628 | $105 |
Auto-Owners | $1,103 | $184 |
Progressive | $1,155 | $192 |
Farmers Mutual of Nebraska | $1,182 | $197 |
State Farm | $1,465 | $244 |
USAA | $1,608 | $268 |
Allstate | $1,752 | $292 |
GEICO | $2,494 | $416 |
Source: The Zebra
There is no car insurer in particular that offers cheap DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
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.
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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.
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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.
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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.
Find an affordable policy in Nebraska in minutes!
Car insurance in popular Nebraska cities
Car insurance companies calculate your rate based on many factors, including the location of the vehicle. Among the state's largest cities, the cheapest car insurance is in Lincoln, and the most expensive is in Omaha. This contrast illustrates how significantly rates can vary across the state, influenced by variables such as the number of uninsured drivers and crime rates in the area.
The table below shows average car insurance costs in some of Nebraska's biggest cities.
Cheap auto insurance for teens and young drivers in Nebraska
Young drivers often struggle to find affordable car insurance in Nebraska. Insurance companies see age as a reflection of driving experience, so teens typically pay over 100% more than drivers in their 20s and nearly 200% more than those in their 30s.[1]Â
In Nebraska, teen drivers face typical rates, averaging $2,410 for a six-month policy, or about $402 per month — roughly 4% lower than the national average for teens.
If you're a teen driver or a parent of one, American National and Farmers Mutual offer some of the most affordable insurance options.
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
American National | $1,154 | $192 |
Farmers Mutual of Nebraska | $1,223 | $204 |
Auto-Owners | $1,869 | $312 |
USAA | $2,151 | $359 |
GEICO | $2,482 | $414 |
State Farm | $3,444 | $574 |
Allstate | $3,683 | $614 |
Progressive | $4,009 | $668 |
Source: The Zebra
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Farmers Mutual of Nebraska | $1,386 | $231 |
American National | $1,825 | $304 |
Auto-Owners | $2,315 | $386 |
USAA | $2,662 | $444 |
GEICO | $3,075 | $512 |
State Farm | $4,415 | $736 |
Allstate | $4,816 | $803 |
Progressive | $5,143 | $857 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and lower your risk of accidents.
- Opt for a less expensive vehicle with solid safety ratings and lower repair costs instead of high-performance models.
- Stay on a parent's insurance policy to save money and take advantage of their good insurance history.
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.
Save money on your next car insurance policy!
Nebraska car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Nebraska auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 U.S. Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
Recent questions about car insurance in Nebraska
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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 editorial 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.