4.8out of 3,000+ reviews

Cheap Car Insurance in Nebraska (2022)

Drivers in Nebraska pay rates starting at $48/mo. for car insurance.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated November 29, 2022

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. 

Quick Facts

  • The average cost of car insurance in Nebraska is $198/mo.

  • American Family is the cheapest provider in Nebraska, with average rates of $112/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Nebraska: American Family

1
American Family logo

American Family

Best Cheap Car Insurance in Nebraska
Average Monthly Cost:
$90
Insurify Composite Score:
89

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.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
American Family89$90
USAA96$101
State Farm88$105
GEICO88$107
Travelers80$112
Erie85$110
Allstate85$117
Clearcover97$137
Nationwide89$144
Midvale Home & AutoN/A$147
ProgressiveN/A$165
Safeco86$167
Farmers85$185
Foremost SignatureN/A$194
Liberty Mutual82$219
Bristol WestN/A$269
DairylandN/A$276
The GeneralN/A$299
AmicaN/A$455
StillwaterN/A$462
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

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[4] coordinates these services.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

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.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$50$90
GEICO$59$107
State Farm$58$105
Travelers$55$112
USAA$56$101
Allstate$64$117
Amica$251$455
Bristol West$154$269
Clearcover$97$137
Dairyland$149$276
Erie$60$110
Farmers$102$185
Foremost Signature$105$194
Liberty Mutual$147$219
Midvale Home & Auto$95$147
Nationwide$156$144
Progressive$91$165
Safeco$107$167
Stillwater$66$462
The General$149$299
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

See More: High-Risk Car Insurance Nebraska

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Allstate$94$165N/A$165
American Family$72$127N/A$127
Farmers$88$155N/A$156
State Farm$86$151N/A$152
USAA$85$149N/A$149
Amica$366$642N/A$645
Bristol West$242$321$329$315
Clearcover$118$202N/A$190
Dairyland$253$333$310$334
Erie$292$512N/A$514
Foremost Signature$177$246$200$214
GEICO$149$261N/A$262
Liberty Mutual$195$295$139$283
Midvale Home & Auto$131$203$234$180
Nationwide$144$127$265$172
Progressive$133$233N/A$234
Safeco$150$209$193$254
Stillwater$462N/AN/AN/A
The General$255$426$333$451
Travelers$105$133$158$145
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance Nebraska

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.

Credit TierAverage Monthly Quote
Excellent$126
Good$149
Average$164
Poor$254
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Nebraska

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.

CityAverage Monthly Quote
Alliance$140
Beatrice$177
Bellevue$190
Blair$248
Columbus$145
Fremont$160
Gering$181
Grand Island$177
Hastings$178
Kearney$181
La Vista$191
Lexington$225
Lincoln$188
Norfolk$161
North Platte$130
Omaha$260
Papillion$316
Scottsbluff$218
South Sioux City$181
York$138
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Age GroupAverage Monthly Rate
Teenagers$353
Under 25$218
20s$161
30s$139
40s$119
50s$150
60s$123
70s$105
80+$185
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Car Insurance CompanyLiability Only
Bristol West$195
Dairyland$192
Liberty Mutual$199
Clearcover$118
Foremost SignatureN/A
Midvale Home & Auto$123
NationwideN/A
ProgressiveN/A
Safeco$145
The General$195
TravelersN/A
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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. 

Car Insurance CompanyLiability Only
Dairyland$113
Liberty Mutual$105
Travelers$48
Bristol West$126
Clearcover$83
Foremost SignatureN/A
Midvale Home & Auto$75
Nationwide$124
ProgressiveN/A
Safeco$68
The General$121
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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. 

Car Insurance CompanyLiability Only
Liberty Mutual$77
Nationwide$82
Travelers$60
Bristol West$83
Clearcover$71
Dairyland$106
Midvale Home & Auto$67
Safeco$77
The General$108
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nebraska car insurance FAQs

  • American Family, USAA, and State Farm offer the most affordable rates for Nebraska drivers. For full-coverage car insurance, Nebraska drivers pay monthly average rates as low as $90 with American Family, $101 with USAA, and $105 with State Farm. Clearcover, a smaller auto provider, also offers Nebraskans an affordable quote of $137 per month.

    The top provider with the most affordable quotes for both full-coverage and minimum-coverage car insurance is American Family. Policyholders with the company pay $90 per month for full-coverage insurance and $50 per month for minimum-coverage insurance. Travelers provides senior drivers in the state with the cheapest rates by coverage level and driving history.

  • Based on our data, Nebraska ranks as the sixth most-dangerous state to drive in after Virginia, Idaho, South Carolina, Iowa, and Ohio. Around 20% of drivers in Nebraska have an incident on their driving record. Specifically, the state ranks first in moving violations, fifth in accidents, and seventh in speeding tickets and DUIs. Drivers with auto violations see increased rates.

    Age also significantly influences rates for drivers in Nebraska, especially those who purchase full-coverage insurance instead of liability-only coverage. Teen drivers and people under the age of 25 see the highest average rates. Location-based factors, like Nebraska’s winter weather, affect how auto insurers perceive risk levels when calculating premiums.

  • On average, Nebraska drivers pay $198 per month for car insurance costs, but we found rates as low as $50 per month. When compared to border states, Nebraskans enjoy lower rates than South Dakota drivers but pay higher rates than their Wyoming neighbors. Your insurance rates will vary depending on your age, driving record, credit history, location, and more. 

    At the national level, drivers pay an average of $233 per month for car insurance, so Nebraska drivers benefit from living in a state with below-average car insurance premiums. That said, average car insurance rates in Nebraska increased by around 30% between April and June this year, according to our data. Car insurance rates are increasing across multiple companies in the state.

  • Many top insurance companies offer reasonable rates to Nebraska drivers. Three auto insurance providers with high Insurify Composite Scores (ICS) include American Family, USAA, and State Farm. Our data scientists calculate ICS ratings with up-to-date industry information about customer satisfaction, financial strength, and more.

    In the 2022 J.D. Power Auto insurance Study[5], American Family scored above-average customer satisfaction ratings for the Central region, and policyholders pay average monthly quotes of $90. USAA provides customers with a monthly average quote of $101 per month, and State Farm presents policyholders with a monthly average quote of $105.

  • No, you don’t need to obtain personal injury protection (PIP) coverage as a driver in this state because Nebraska is an at-fault state. Essentially, living in an at-fault state means whoever is found at fault in an accident will be financially responsible for covering the costs of the auto accident.

    Although some states without a requirement for PIP coverage require medical payments (MedPay) insurance, you also don’t need MedPay in Nebraska. But insurers offer this option to help you cover injury costs when you’re involved in an accident, regardless of who’s at fault.

  • Yes, Nebraska state law requires drivers to purchase car insurance in order to legally operate their vehicle. Drivers must carry minimum insurance requirements[6], including:”

    • $25,000 per person and $50,000 per accident for bodily injury

    • $25,000 per accident for property damage

    • $25,000 per person and $50,000 per accident for uninsured/underinsured motorists coverage[7].

    Bodily injury liability covers the medical bills of people injured in a car accident caused by the insured, and property damage liability covers necessary repairs the insured is responsible for. Uninsured and underinsured motorist coverage covers costs if an insured driver has an accident with a driver with little or no insurance coverage.

  • When obtaining car insurance in Nebraska, the policy tends to stick with the car instead of the driver. As a result, auto insurance companies will usually pay out a claim for a covered event whether or not you were driving the vehicle. If an insured friend borrowers your vehicle, their insurance will often kick in after your coverage limits have been reached.

    As a general rule, it’s not a good idea to let an uninsured driver borrow your car. Although the vehicle is covered, they are not. Driving without a license results in financial and legal consequences.

  • A full-coverage auto insurance policy in Nebraska extends beyond the basic liability coverage requirements to include both comprehensive coverage and collision coverage. Comprehensive coverage covers damages to your vehicle from events like theft, vandalism, and weather-related damage. Collision coverage covers the repairs needed for your own vehicle after an accident.

    Liability coverage pays for damages you and your vehicle cause other parties in an accident. When you opt for a more expensive full-coverage policy, you ensure you have more protection when needed. Your ideal chosen coverage level varies based on your insurance needs. Drivers with expensive vehicles, for example, may want to purchase full coverage.

Insurify Insights

How Nebraska Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Nebraska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Nebraska drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Nebraska

#17

State with the Most Speeding Tickets Rank

#4

State with the Moving Violations Rank

#2

State with the Most DUIs Rank

#9

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Nebraska is the #3 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #3
    • Percent of drivers in Nebraska with an accident: 11.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nebraska is the #2 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #2
    • Percent of drivers in Nebraska with a DUI: 2.8%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Nebraska is the #5 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #5
    • Percent of drivers in Nebraska with a reckless driving offense: 2%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Nebraska is the #6 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #6
    • Percent of drivers in Nebraska with a rude driving violation: 2.5%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Nebraska is the #17 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #17
    • Percent of drivers in Nebraska with a speeding ticket: 9.8%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nebraska is the #2 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #2
    • Percent of drivers in Nebraska with a failure to yield violation: 0.4%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. National Park Service. "Nebraska." Accessed November 18, 2022
  2. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  3. Nebraska Department of Motor Vehicles. "Online Services." Accessed August 26, 2022
  4. Nebraska Department of Transportation. "Transit." Accessed August 26, 2022
  5. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed August 27, 2022
  6. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  7. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed September 2, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.