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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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 HalachevVP of Engineering & Data Science
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.
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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 $92 per month for liability-only coverage and $220 for full coverage, which is near the nationwide averages of $105 per month for liability coverage and $214 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 $2,640 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Travelers
9.0
$196
$90
Full coverage
Clearcover
6.8
$144
$89
Liability coverage
Midvale Home & Auto
3.7
N/A
N/A
Bundling
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$90/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.
$196/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
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
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.
$55/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.
$85/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
ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!
Miche - July 1, 2024
Verified
Not Valued as a Loyal Customer
The price was good, but they do not value loyal customers.
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
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.0/10
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.
$125/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 $92 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 $220 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.
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]
Coverage
Minimum 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:
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.
Comprehensive coverage
Comprehensive insurance pays for non-collision physical damage, like falling objects, weather events, theft, vandalism, fire, or hitting an animal.
Medical payments (MedPay) coverage
Medical payments insurance covers the medical bills and funeral expenses for yourself, household members, and others in your vehicle.
Rental reimbursement coverage
This pays for a temporary vehicle while yours is in the shop for covered repairs.
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.
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.
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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 $342 per month for full coverage and $143 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $349 per month. Liability-only coverage averages $146 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $393 for full coverage and $164 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $142 for full coverage.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $160 for liability-only auto insurance and $382 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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.
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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 $92 per month for liability-only insurance and $220 per month for full coverage. By comparison, the national averages are $105 and $214, 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.
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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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 HalachevVP of Engineering & Data Science
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.
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