Car Insurance in Nebraska
- GEICO offers the cheapest liability at $31/mo.
- GEICO has the cheapest full coverage at $151/mo.
Enter your ZIP code to start your search for Nebraska car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Nebraska at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Nebraska
The average car insurance rate in Nebraska is $1,040 for a six-month policy or about $173 per month. Compared to the rest of the county, this is 10% cheaper than the U.S. average ($1,162).[1]
According to our data, 44% of Nebraskans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in NE
- GEICO offered the cheapest liability coverage in Nebraska at $31/mo.
Cheapest full coverage in NE
- GEICO offered the cheapest full coverage in Nebraska at $151/mo.
Best customer service in NE
- Shelter Insurance scored 678 in JD Power's latest study — the highest in Nebraska.
Cheap liability insurance in Nebraska
The average cost for liability insurance in Nebraska is $239 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $31/mo.
According to our data, 43% of Nebraska drivers carry only the state-required liability coverage.[2] In Nebraska, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Nebraska with our helpful guide.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $184 | $31 |
| USAA | $203 | $34 |
| Auto-Owners | $258 | $43 |
| Progressive | $263 | $44 |
| State Farm | $264 | $44 |
| Farm Bureau Mutual (IA Group) | $307 | $51 |
| Auto Club Group | $436 | $73 |
| Allstate | $450 | $75 |
Source: The Zebra
The Zebra’s auto insurance 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.
Nebraska law requires every auto liability policy to include both uninsured motorist (UM) and underinsured motorist (UIM) coverage.[4] This protection helps cover your injuries if you're involved in an accident with a driver who has no insurance or doesn't carry enough insurance to fully pay for your damages. While many states require uninsured motorist coverage, Nebraska is among the states that also require underinsured motorist coverage as part of every auto policy, providing drivers with an extra layer of financial protection.
Beth Swanson, licensed insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $203 | $871 |
| State Farm | $264 | $1,098 |
| Shelter | $245 | $937 |
| Progressive | $263 | $917 |
| MetLife | $195 | $1,561 |
| GEICO | $184 | $904 |
| Farmers Mutual of Nebraska | $135 | $578 |
| Farm Bureau Mutual (IA Group) | $307 | $1,226 |
| Auto-Owners | $258 | $664 |
| Auto Club Group | $436 | $2,278 |
| American National | $130 | $460 |
| Allstate | $450 | $1,521 |
Source: The Zebra
Cheap full coverage insurance in Nebraska
In 2026, the average cost of full coverage insurance in Nebraska is $1,040 for a six-month policy. Full coverage is a popular choice here, with 57% of The Zebra’s Nebraska customers opting for quotes that offer this more comprehensive protection.[2]
If you’re looking to get the best deal on full coverage, start your search (but don't end) by checking out quotes from GEICO. State filings show GEICO with the cheapest rates at $151 per month.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $871 | $145 |
| GEICO | $904 | $151 |
| Progressive | $917 | $153 |
| State Farm | $1,098 | $183 |
| Farm Bureau Mutual (IA Group) | $1,226 | $204 |
| Allstate | $1,521 | $253 |
| Auto Club Group | $2,278 | $380 |
Source: The Zebra
What are the best car insurance companies in Nebraska?
We’ve named Shelter Insurance as Nebraska's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Local insights
Drivers near you in Nebraska weigh in
"Farmers is pretty well established in Nebraska and people generally have better experiences with their claims process compared to the big ad-heavy carriers."
-Reddit user on r/Nebraska
"For auto only, I had good luck with Geico. I switched to Travelers when combined auto and home."
-Reddit user on r/Nebraska
Compare car insurance rates from the best companies in Nebraska.
Car insurance in popular Nebraska cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. 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.
Source: The Zebra
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Source: The Zebra
Real people. Real help. Right here.
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Nebraska auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Nebraska. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Nebraska insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Nebraska car insurance for high-risk drivers
For high-risk drivers in Nebraska with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Nebraska's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in Nebraska?
In Nebraska, a DUI offense can increase your annual car insurance premium substantially. 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.
Rate increase: +$1,010
The average 6-month rate increase after a DUI in Nebraska. This premium increase typically lasts 3-5 years.
First time DUI penalties
- $500 fine
- 6-month license revocation
- 7 to 60 days in jail
DUI record impact timeline
- DMV record: 10 years
- Criminal record: Permanent unless annulled (petition allowed after 10 years)
Cheap car insurance after a DUI in NE
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. Check out the table below to see average rates by top insurers in Nebraska.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1,156 | $193 |
| Auto-Owners | $1,240 | $207 |
| State Farm | $1,477 | $246 |
| Farm Bureau Mutual (IA Group) | $1,795 | $299 |
| Allstate | $1,802 | $300 |
| USAA | $1,816 | $303 |
| GEICO | $2,481 | $413 |
| Auto Club Group | $5,948 | $991 |
Source: The Zebra
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.
Nebraska SR-22 laws
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. In Nebraska, drivers with a DUI must have an SR-22 for three years.
Finding cheap auto insurance with an SR-22 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 and 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.
Find an affordable policy in Nebraska in minutes!
How have average car insurance costs in Nebraska changed?
Nebraska's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Nebraska |
|---|---|
| 2026 | $2,106 |
| 2025 | $2,044 |
| 2024 | $2,048 |
| 2023 | $1,959 |
| 2022 | $1,816 |
| 2021 | $1,589 |
| 2020 | $1,521 |
| 2019 | $1,438 |
| 2018 | $1,270 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
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.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Nebraska Requires Both Uninsured and Underinsured Motorist Coverage. Nebraska Revised Statute § 44-6408
Nebraska Requires Both Uninsured and Underinsured Motorist Coverage. Nebraska Revised Statute § 44-6408
Recent questions about car insurance in Nebraska
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
Should I contact the police and insurance company days after I rear ended a car?
Is a tracking app worth it if I hardly drive?
Can I manage everything online with Shelter?
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.
