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?
Rank Company Name Avg. Annual Premium
1 Safeco $496
2 The Hartford $856
3 Allied $1,161
4 Nationwide $1,165
5 Farmers Mutual of Nebraska $1,233
6 State Farm $1,297
7 Iowa Mutual $1,630
8 Progressive $1,840
9 American Family $2,057
10 Farmers $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 $203 14.66%
No Accidents $576 32.80%
Good Credit $868 42.35%

 

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,757 32.80%
DUI $1,938 39.06%
Speeding Violation $1,384 14.66%
Bad Credit $2,049 42.35%

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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)

Allied N/A N/A Average N/A
Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Farmers Excellent Below average Excellent 4.3 / 5
Farmers Mutual of Nebraska N/A N/A Excellent N/A
GEICO Average Average Superior 4.4 / 5
Iowa Mutual N/A N/A Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,038 59% $754
Refused Breathalyzer/Chemical Test $1,898 48% $614
DUI $1,898 48% $614
Racing $2,038 59% $754
Reckless Driving $2,072 61% $788
Driving with a Suspended License $2,038 59% $754
At-Fault Accident $1,763 37% $478
Driving with an Open Container $1,754 37% $469
Operating a Vehicle Without Permission $1,608 25% $324
Passing a School Bus $1,574 23% $290
Improper Passing $1,574 23% $290
Following Too Closely $1,576 23% $292
Speeding $1,538 20% $254
Failure to Stop at a Red Light $1,560 21% $275
Illegal Turn $1,576 23% $292
Driving Wrong Way/Wrong Lane $1,558 21% $274
Failure to Yield $1,576 23% $292
Speeding in a School Zone $1,533 19% $249
Driving Too Slowly $1,505 17% $221
Distracted Driving $1,570 22% $285
Driving with Expired Registration $1,509 17% $224
Failure to Show Documents $1,509 17% $224
Not-at-Fault Accident $1,429 11% $145
Failure to Use Child Safety Restraint $1,414 10% $130
Failure to Wear a Seat Belt $1,391 8% $106
Driving Without Lights $1,414 10% $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.

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

 

RECENT QUESTIONS

My daughter totaled her car while she was covered under my insurance. How does this affect my rate?

If your daughter was the listed driver and the accident was logged correctly, most companies won't charge that against you. If you are looking to switch insurers and her accident comes up on your claims history, I would obtain proof or confirmation from that company that the claim wasn't yours so it can be cleared.
Feb 6, 2020 Yutan, NE

Will my insurance company pay for an attorney?

Lawsuits can be an unfortunate consequence of a car accident, but that doesn't mean you're on your own. Your insurance company should provide representation for you in court, but you will need to contact them immediately.
Feb 6, 2017 Lincoln, NE

Will homeowners insurance cover my ceiling falling

Claims questions can be tricky because they depend on not only what caused the damage but the type of homeowners policy you have. For example, if your have a HO-2, HO-3, HO-4, HO-5, or HO-6 policy.
Jun 16, 2018 Lincoln, NB

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise. 
Jun 3, 2020 Omaha, NE

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.