Average Car Insurance Cost in Nebraska (2024)

The average rate for car insurance in Nebraska is $147 per month, or $1,764 per year. Residents in the affectionately nicknamed Cornhusker State pay slightly less than the national car insurance average of $153. Nebraska drivers are legally required to carry uninsured and underinsured motorists coverage and liability.

In this article, you’ll see what affects your car insurance rates in Nebraska and also identify ways to lower your costs.

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What’s the average cost of car insurance in Nebraska?

The average cost of car insurance in Nebraska is $92 per month for liability only. Liability insurance covers the other party’s property damage and bodily injuries you cause in an accident. This coverage is also a state requirement.^[1]

It’s important to note that Nebraska also requires drivers to carry both uninsured and underinsured motorists coverage in addition to liability coverage. Full-coverage car insurance in Nebraska includes both of these requirements, as well as comprehensive and collision coverages.

The average cost for a full-coverage auto insurance policy is $203 per month.

Average Nebraska car insurance rates by city

Rates vary from city to city depending on the population, reported accidents, crime rate, and more. Insurance companies also take into account the fact that 90.8% of Nebraska’s workforce uses a motor vehicle to commute to work every day.^[2] This results in more people on the road.

Insurance companies prepare for claims caused by weather-related incidents, most notably tornadoes. Nearly all of Nebraska is located in Tornado Alley, and the southern region of the state tends to see the most, which includes cities such as Grand Island.^[3] Car insurance rates tend to be higher here.

In the table below, you can see how average insurance quotes differ in cities across the state.

Average Nebraska car insurance rates by age

In Nebraska, young drivers age 15–30 pay the most for auto insurance. The lowest car insurance quotes in Nebraska are offered to people in their 60s. However, once senior drivers reach their 70s and beyond, they start paying more as their reduced faculties make them more susceptible to accidents.

Here, you can see how average insurance quotes in Nebraska change based on driver age.

How gender affects car insurance rates in Nebraska

Nebraska allows insurers to use gender when determining your insurance quote. Statistically, men pay more for insurance because they’re more likely to spend more time on the road than women. Men are also more likely to engage in risky behavior while driving, including DUIs and speeding. Teen males pay the highest rates due to elevated crash rates, making them the most high-risk drivers.

How your driving record affects car insurance rates in Nebraska

A clean driving record is vital to scoring cheap car insurance. Driving incidents like at-fault accidents, speeding tickets, or DUIs can all increase your insurance costs dramatically.

Nebraska has an in-depth rating system to calculate points on your driving record, making it easy for insurance agents to determine your average annual rate. But drivers can take a Driver Improvement Course for a two-point credit, allowing them to potentially reduce their average cost of auto insurance.^[4]

Average Nebraska car insurance rates by marital status

Your marital status can change more than just your taxes; it can also affect your car insurance rate. Married people get slightly cheaper auto insurance quotes because insurers see them as less risky.

Average Nebraska car insurance rates by credit tier

Insurers in Nebraska can’t deny you auto insurance based on your credit history alone.^[5] However, like most states, Nebraska does allow insurers to factor in your credit history when determining your rate. This generally translates to people with poor credit paying more for car insurance than people with good or excellent credit.

The Nebraska State Automobile Insurance Plan offers coverage if you can’t secure auto insurance through a traditional auto insurance company.

Nebraska car insurance FAQs