Cheap Car Insurance in Nebraska (2023)

With an average monthly rate of $198, Nebraska ranks as the 20th most-expensive state for car insurance costs, according to our internal data. Drivers in the Cornhusker State pay less than the national average of $233 per month. Finding affordable car insurance relies on comparison shopping. Comparing quotes online allows you to consider all your insurance options and choose one that matches your specific coverage needs. 

Each year, around 334,000 people visit the five national parks in Nebraska.^[1] Visitors travel to Agate Fossil Beds National Monument, Homestead National Historical Park, Missouri National Recreational River, Niobrara National Scenic River, and Scotts Bluff National Monument. 

Best cheap car insurance in Nebraska: American Family

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American Family

Best Cheap Car Insurance in Nebraska

Car insurance costs vary widely based on the unique methodologies car insurance companies use to assess risk. Insurers consider personal information, driving history, vehicle type, and more. The average monthly rates in Nebraska are as low as $90 with American Family and as high as $462 with Stillwater. Compare the average monthly quotes from auto insurers below.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company. 

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska^[2] are:

• $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person and $50,000 per accident for uninsured/underinsured motorists: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Nebraska DMV information

The Nebraska Department of Motor Vehicles (DMV) provides drivers access to many services, including driver’s license renewal, traffic ticket payments, vehicle registration, obtaining vehicle records, and more. If you’re moving to Nebraska, you need to visit a state DMV office to obtain a new driver’s license within 30 days.^[3]

Public transportation in Nebraska

Several Nebraska counties don’t offer any type of public transportation, and the 82 counties that do offer public transportation often restrict their services to within city limits. Although you can get by without a car in certain cities within the state, many residents will need a car of their own to get around. The Nebraska Department of Transportation coordinates these services.^[4]

Tips for getting cheap car insurance in Nebraska

Insurance companies consider a wide range of factors when determining rates, including your credit history, age, driver history, and more. Since each insurance company views these risk factors differently, shopping around to compare quotes offers an efficient way to find the best rates. Compare quotes online from multiple companies to avoid overpaying for the right insurance policy.

You may also qualify for certain discounts, such as:

• Good student discount

• Loyalty discount

• Safe driver discount

• Bundling your home and auto insurance with the same company

• Paying in full, rather than monthly

Liability-only vs. full-coverage insurance in Nebraska

If you live in Nebraska, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Nebraska by policy type.

How your driving history affects Nebraska car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Nebraska. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Nebraska based on driving and accident history.

SR-22 insurance in Nebraska

If you get a DUI, you may end up needing an SR-22 form. This form is usually required if your license has been suspended or revoked, and it helps prove that your auto insurance policy meets the minimum liability coverage required by the state or by a court order. If required to get an SR-22 form, you can find coverage options at the companies below.

How credit scores affect Nebraska car insurance quotes

Auto insurance companies in Nebraska can use your credit score when determining rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

How your city affects Nebraska insurance quotes

When it comes to auto insurance rates, location matters. Many factors are tied to your location, such as crime rates, population, average commute times, and more. Each affects how much you could pay for car insurance. You’ll likely pay more for car insurance if you live in a population-dense urban environment. Find the average quote for your city in the chart below.

How your age affects your Nebraska car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Teenagers and drivers under 25 tend to face the highest rates by age group in Nebraska, paying between $218 and $353 per month on average. The cheapest options for liability coverage include $118 per month with Clearcover and $123 per month with Midvale Home & Auto.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Middle-aged drivers in Nebraska typically pay less for car insurance than younger drivers under 30. At just $94 a month, Progressive offers the cheapest full-coverage policy for middle-aged drivers in Nebraska. Other cheap monthly quotes include $98 with Travelers, $119 with Clearcover, and $122 with Nationwide. 

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Senior drivers in Nebraska pay average car insurance rates between $105 and $185 per month, but those in their 60s and 70s tend to pay lower rates than drivers in their 80s.