Cheapest Auto Insurance in Nebraska (2024)

Nebraska drivers can find the cheapest car insurance from Auto-Owners, with liability rates as low as $25 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 29, 2024

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Cheapest recent rates in Nebraska

Drivers using Insurify have found quotes as cheap as $25/mo for liability only and $40/mo for full coverage in Nebraska.

*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

An agricultural state known for its cornfields, tourist attractions including an air and space museum, and the Reuben sandwich, Nebraska also has severe weather hazards like tornadoes and blizzards that may increase the rate of car accidents and raise average insurance rates.

The average cost of car insurance in Nebraska is $90 per month for liability-only coverage and $222 for full coverage, which is near the nationwide averages of $104 per month for liability coverage and $215 for full coverage.

Drivers in the Cornhusker State can find cheap car insurance by comparing quotes, maintaining a clean driving record, and qualifying for discounts.

Quick Facts
  • Auto-Owners, American Family, and USAA have the cheapest car insurance in Nebraska.

  • About 5% of all licensed drivers in Nebraska are 19 years old and younger.[1]

  • Nebraska drivers pay a yearly average of $2,664 for full-coverage policies.

3 of the cheapest car insurance companies in Nebraska

Dozens of auto insurers offer policies to Nebraska drivers, including American Family, State Farm, Auto-Owners, and American National. But the best auto insurance policy for you will be the one that caters to your unique needs.

For example, you may consider Clearcover for the lowest liability-only rates, Travelers for customizable coverage, or Midvale Home & Auto for bundling policies. Here’s how these insurers stand out. Rates in the table below reflect nationwide rates.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Travelers4.5$195$89Full coverage
Clearcover3.4$142$86Liability coverage
Midvale Home & Auto3.7N/AN/ABundling
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$195/mo

Whether you’re a single adult searching for the lowest rates or a parent who wants specific coverage for your teens, Travelers offers Nebraska drivers an opportunity to customize their policy extensively. Travelers has an A++ (Superior) financial strength rating from AM Best, the highest level possible. Along with basic liability-only and full-coverage policies, named non-owner, new-car replacement, rideshare, and gap insurance are available.

Pros
  • Highest AM Best rating

  • Named non-owner insurance available

Cons
  • Rideshare insurance not available in Nebraska

  • Usage-based telematics program could increase rates for policyholders with risky driving habits

Read our Travelers review
John - May 29, 2024
Verified

Car Insurance Rate Review, May 2024

The service was fine, I was strictly shopping for rates.

Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

Best insurer for liability coverage: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo

Clearcover is a tech-focused company that allows you to edit your policy and make claims via an easy-to-use mobile app. Although it doesn’t offer extensive optional coverages, the ability to access roadside assistance from the app is a convenient perk. Clearcover also boasts a record claim-payout time of just seven minutes, but states its typical average claim processing time is "within a week."

Pros
  • Easy-to-use app for claim filing and policy management

  • Roadside assistance available

Cons
  • Limited optional coverages

  • Only sells car insurance, so no bundling discount available

Read our Clearcover review
Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Best insurer for bundling: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$123/mo

Midvale Home & Auto, a wholly owned subsidiary of American Family Insurance, has some of the lowest rates available in Nebraska for full-coverage policies. Drivers have the opportunity to save more if they bundle their auto insurance with either homeowners, renters, or condo insurance. Midvale’s lack of complaints in the state through the National Association of Insurance Commissioners (NAIC) should give Nebraska drivers confidence in the company’s customer service and claims process.

Pros
  • Homeowners, renters, and condo insurance available for bundling opportunities

  • No NAIC complaints in Nebraska

Cons
  • No accident forgiveness coverage

  • Fewer discounts than some competitors

How to get the cheapest car insurance in Nebraska

Even if you don’t qualify for a policy from the cheapest car insurance companies, you can still get affordable car insurance. Consider these tips for getting the cheapest car insurance in Nebraska:

  • Ask about discounts. Contact an insurance agent and ask which money-saving discounts you might be eligible for. Common discounts include multi-vehicle, good student, and bundling (auto with home or renters coverage). You may qualify for discounts by belonging to specific professional associations, taking a defensive driving course, or having a vehicle with certain safety features.

  • Increase your deductible. You may be able to get lower rates if you raise your collision or comprehensive deductible. Just be sure you can afford the up-front cost if you file a claim.

  • Bundle policies and coverage. Whether you have multiple vehicles or another insurance product, like life insurance, homeowners insurance, or agricultural insurance, you may receive discounts for an insurance bundle.

  • Increase or maintain your credit. Nebraska car insurance companies can use your credit history when underwriting your auto insurance policy.[2] Increasing your score or maintaining good credit will help you get the best rate.

Find Cheap Car Insurance in Nebraska

Liability rates start at $25 per month

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Cheapest liability-only car insurance in Nebraska: Auto-Owners

Liability-only car insurance is a minimum-coverage policy that meets the specific insurance requirements in Nebraska.

Though it may change from state to state, minimum insurance usually includes bodily injury coverage, property damage coverage, and uninsured motorist coverage. Bodily injury and property damage coverage pay for medical expenses and damages you cause, not those you sustain.

Nebraska drivers pay an average of $90 per month for liability-only auto insurance. Here are the cheapest liability-only insurance companies in Nebraska to start your search for affordable coverage.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Nebraska: Auto-Owners

Full-coverage car insurance goes beyond offering liability-only coverage to provide protection for the policyholder’s injuries and property damages. A full-coverage policy usually includes comprehensive and collision coverages. Comprehensive can help pay for damage from non-collision events, like severe weather.

An average of 52 tornadoes strike Nebraska each year; comprehensive insurance under a full-coverage policy typically covers the wind, rain, and impact damage these tornadoes cause to vehicles.[3]

Nebraska drivers pay an average of $222 per month for full-coverage auto insurance. Here are the cheapest Nebraska car insurance companies for full coverage.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How much other Insurify users in Nebraska pay

Drivers in and around Nebraska have found policies from Dairyland, Progressive, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Nebraska

The state requires all drivers to maintain proof of financial responsibility through an auto insurance policy with the following minimum coverage levels, according to the Nebraska Department of Motor Vehicles:[4] [5]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist coverage$25,000 per person / $50,000 per accident

Bodily injury coverage and property damage coverage are mandatory, though not the only coverages available. These additional coverage options provide more protection for you, your passengers, and your vehicle:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for physical damage when you collide with an object or another vehicle, even in an at-fault accident. Collision also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for non-collision physical damage, like falling objects, weather events, theft, vandalism, fire, or hitting an animal.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments (MedPay) coverage

    Medical payments insurance covers the medical bills and funeral expenses for yourself, household members, and others in your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This pays for a temporary vehicle while yours is in the shop for covered repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing or emergency road service

    Also called roadside assistance coverage, this pays for the expenses of transporting your car to a repair shop or a service call for a flat tire or dead battery.

How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

Cheapest car insurance for drivers with an incident

Multiple factors in different driver profiles influence auto insurance rates, but if you want to receive the most competitive prices, it’s a good idea to keep your driving record free of incidents. Even good drivers can make costly mistakes, such as getting a DUI, being at fault in an auto accident, receiving a speeding ticket, or getting another moving violation citation.

For example, high-risk drivers typically pay significantly higher premiums because of a driving under the influence conviction on their records. Similarly, any insurance claims you file for at-fault accidents may also raise your rate, unless you have accident forgiveness coverage. Drivers with clean records typically have the lowest car insurance rates.

Find Car Insurance in Nebraska

Shop for coverage after an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speed is a factor in many fatal car accidents, which is why insurers typically raise your rates for three to five years after you get a speeding ticket, even if you didn’t cause an accident.[6] Car insurance rate increases may vary based on how much you exceeded the speed limit, and fines differ based on how fast you were driving.

The average cost of car insurance after a speeding ticket in Nebraska is $343 per month for full coverage and $139 for liability only. Here are the cheapest car insurance companies in Nebraska for drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2534
American Family3446
USAA3851
GEICO4054
Allstate4257
State Farm4358
Clearcover4663
Safeco5170
Nationwide5778
Progressive6183
AssuranceAmerica6995
Farmers7196
Shelter72101
Dairyland88120
Liberty Mutual96143
The General99136
Foremost104155
Bristol West123165
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

In the event of an accident, you’ll need to report it to your insurer. If you’re at fault, you should expect your rates to rise.[7] How much they increase depends on the severity of the accident and resulting damages and injuries, but you may be able to avoid a car insurance rate increase if you included accident forgiveness in your auto insurance policy.

The average cost of full-coverage car insurance in Nebraska following an at-fault accident is $357 per month. Liability-only coverage averages $145 per month. If you don’t have accident forgiveness, here are the cheapest Nebraska car insurance companies for drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2535
American Family3448
USAA3854
GEICO4057
Allstate4260
State Farm4361
Clearcover4669
Safeco5170
Nationwide5782
Progressive6188
AssuranceAmerica6998
Farmers71100
Shelter72106
Dairyland88125
Liberty Mutual96148
The General99143
Foremost104161
Bristol West123172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

More than 1,000 alcohol-related car crashes have occurred every year in Nebraska since 2011.[8] Drinking and driving increases the likelihood of an auto accident, and having a DUI on your driving record could cause your insurer to not renew or even cancel your auto insurance policy.[7] Nebraska may even require drivers with DUIs to purchase SR-22 insurance, which may make it difficult to find cheap car insurance from some insurers.

A DUI in Nebraska pushes the average monthly cost of car insurance to $401 for full coverage and $163 for minimum coverage. The following table shows average monthly quotes for Nebraska drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2544
American Family3459
USAA3866
GEICO4070
Allstate4273
State Farm4375
Clearcover4680
Safeco5189
Nationwide5799
Progressive61106
AssuranceAmerica69120
Farmers71124
Shelter72125
Dairyland88153
Liberty Mutual96167
The General99173
Foremost104181
Bristol West123214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

While middle-aged drivers start paying lower rates around age 35, senior drivers should expect their car insurance quotes to increase slightly around age 70. Insurance industry data shows senior drivers have an increased risk of accidents due to age-related changes in vision, reflexes, and cognitive abilities.[9]

Despite these increased risks, senior drivers still see lower-than-average quotes from the following Nebraska insurance companies. Nebraska drivers older than 60 pay a monthly average of $59 for liability-only auto insurance and $146 for full coverage.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1728
American Family2439
USAA2744
GEICO2845
Allstate3049
State Farm3047
Clearcover3357
Safeco3791
Nationwide3862
Progressive3963
Shelter4473
AssuranceAmerica4786
Farmers4980
Dairyland63154
Liberty Mutual67131
Foremost72178
The General73200
Bristol West88201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Motor vehicle crashes are the leading cause of unintentional injury-related death for Nebraskans 15 to 19 years old, which is why teen car insurance rates are higher than other age groups.[10] But teen drivers can lower their monthly premiums in a few ways.

Young drivers may try taking a defensive driving course, staying on their parents’ policies, purchasing a car with high safety ratings, and qualifying for good student discounts to lower their rates. Drivers younger than 18 may have to stay on their parents’ insurance since minors can’t legally buy their own policies without the written consent of a parent or guardian.

Teen drivers in Nebraska pay a monthly average of $156 for liability-only auto insurance and $385 for full coverage. The table below shows the cheapest average quotes for teen drivers and young adults in Nebraska.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4267
American Family5896
GEICO6298
USAA62101
State Farm71114
Allstate72117
Clearcover88153
Nationwide95156
Safeco105259
Progressive108176
Shelter122199
Farmers123199
AssuranceAmerica126233
Dairyland145353
The General157433
Liberty Mutual175341
Foremost180444
Bristol West205469
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Nebraska

Unlock savings and discounts when you compare rates through Insurify

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Nebraska car insurance quotes by credit tier

Nebraska allows insurers to use credit information to generate credit-based insurance scores. Insurers use credit-based insurance scores to estimate your likelihood of filing a claim. In this way, credit can factor into your car insurance rate.[2] Drivers with excellent or good credit typically get lower rates, while drivers with poor credit scores pay higher premiums.

In Nebraska, it’s illegal for an insurer to base your premiums solely on your credit score; plus, it’s only one of many factors influencing your rate.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Nebraska car insurance FAQs

Understanding how your rates can increase after an accident may help you keep a clean driving record and insurance premiums low. Here’s some additional information that may help as you’re researching your insurance coverage options in Nebraska.

  • How much is car insurance in Nebraska?

    The average cost of car insurance in Nebraska is $90 per month for liability-only insurance and $222 per month for full coverage. By comparison, the national averages are $104 and $215, respectively.

  • What are the best car insurance companies in Nebraska?

    Some of the best car insurance companies in Nebraska include Travelers, Clearcover, and Midvale Home & Auto. These insurers have comparatively low average rates, plenty of discounts, and solid Insurify Quality (IQ) Scores.

    The best auto insurer for you will depend on your specific needs. Make sure you compare quotes with at least three different companies to find the best rate for the coverage you need.

  • Which companies have the cheapest car insurance in Nebraska?

    Auto-Owners is the cheapest insurer in Nebraska, with liability-only policies starting at $25 per month.

    Nebraska drivers can also find affordable coverage through the state’s second- and third-cheapest insurers, American Family and USAA. Their liability-only rates start at $34 and $38, respectively.

  • Is it illegal to drive without insurance in Nebraska?

    Yes. It’s illegal to drive without insurance in Nebraska. If you fail to show proof of coverage, Nebraska may revoke your license, which you can only reinstate after paying a $50 fee and filing SR-22 insurance with the state.[11]

  • Does insurance follow the car or the driver in Nebraska?

    Insurance typically follows the car in Nebraska, as the state’s motor vehicle department requires all vehicles to have insurance coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Nebraska Department of Transportation. "Teen Drivers."
  2. Nebraska Legislature. "Nebraska Revised Statute 44-7705."
  3. National Weather Service. "Nebraska Tornado Information."
  4. Nebraska Department of Insurance. "Auto Liability Insurance."
  5. Nebraska Legislature. "44-6408. Motor vehicle liability policy."
  6. Insurance Institute for Highway Safety. "Speed."
  7. III. "Do auto insurance premiums go up after a claim?."
  8. Nebraska Department of Insurance. "Nebraska Alcohol-Related Crashes."
  9. Insurance Institute for Highway Safety. "Older drivers."
  10. Nebraska Department of Health and Human Services. "Motor Vehicle Crashes Among Nebraska Youth."
  11. Nebraska Department of Motor Vehicles. "No Proof of Insurance Conviction."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Courtney Mikulski
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
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