Average Car Insurance Cost in Nebraska (2026)
Drivers in Nebraska pay an average of $101 per month for car insurance.
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Writer: Anna BaluchAuto and Home Insurance Writer
Writer: Anna BaluchAuto and Home Insurance Writer
Qualifications:
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
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Nebraska residents pay an average monthly rate of $69 for liability-only insurance and $133 for full coverage. That’s less expensive than U.S. national averages, possibly due to the Cornhusker State’s low accident rate.[1]
Although Nebraska car insurance rates have increased over the past two years, you can still find affordable coverage. Let’s look at factors influencing your premiums in Nebraska and how you can save money on your auto insurance.
Quick Facts
Auto-Owners offers the lowest car insurance rates in Nebraska, with an average rate of $41 per month for a liability policy.
The Subaru Outback, Ford Escape, and Honda CR-V are the cheapest vehicles to insure in Nebraska.
If you have speeding tickets on your driving record, you’ll pay 36% more on average for auto insurance than drivers with clean records.
How much is car insurance in Nebraska?
On average, drivers in Nebraska pay $69 per month for liability-only coverage and $133 per month for full-coverage insurance. But how much you pay for auto insurance depends on several factors, including your ZIP code, age, gender, driving record, and credit history.
Comparing quotes from different insurers is a good way to ensure you get the best coverage at the cheapest price. If you use an insurance comparison site, you can get multiple quotes simultaneously.
See More
To find car insurance rates in Nebraska and the U.S. over the last two years, download our data here.
Average Nebraska car insurance rates by city
Car insurance premiums in Nebraska fluctuate by location due to differences in weather, traffic, and crime rates. Drivers in Omaha — Nebraska’s largest city — pay an average of $87 per month for liability-only insurance and $160 for full-coverage. But drivers in Norfolk — which has a fraction of the population of Omaha — pay an average of $55 per month for liability-only policies and $110 per month for full coverage.
The table below shows average monthly car insurance rates in different Nebraska cities, according to Insurify data.
The below rates in Nebraska are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Norfolk | $55 | $110 |
| Grand Island | $60 | $124 |
| Columbus | $61 | $125 |
| Fremont | $61 | $139 |
| Lincoln | $72 | $129 |
| Bellevue | $74 | $154 |
| Omaha | $87 | $160 |
Disclaimer: Table data sourced from real-time Nebraska car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nebraska may vary based on the policy buyer's unique driver profile.
Average Nebraska car insurance rates by age and gender
Car insurance coverage in Nebraska varies by age and gender, too. Because teens and young adults have less experience on the road, they usually pay higher car insurance rates. But premiums typically decrease around age 25 as drivers become more confident behind the wheel.
Young males typically spend more on auto insurance because research shows they’re at a higher risk for car accidents.[2] Premiums decrease as drivers age until age 70. Rates usually increase for senior drivers to account for factors hindering driving ability, like poor vision and slower reflexes.
The table below lists the average car insurance costs by age and gender in Nebraska, according to Insurify data.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $204 | $437 |
| 18 | $177 | $380 |
| 20 | $126 | $270 |
| 25 | $109 | $234 |
| 30 | $92 | $198 |
| 40 | $83 | $179 |
| 50 | $68 | $147 |
| 60 | $64 | $136 |
| 70+ | $68 | $146 |
Disclaimer: Table data is based on real-time Nebraska quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $192 | $412 |
| 18 | $167 | $358 |
| 20 | $118 | $254 |
| 25 | $102 | $220 |
| 30 | $86 | $186 |
| 40 | $79 | $169 |
| 50 | $64 | $139 |
| 60 | $60 | $128 |
| 70+ | $64 | $137 |
Disclaimer: Table data is based on real-time Nebraska quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost to insure popular vehicles in Nebraska
The most popular vehicles in the Cornhusker State include the Chevrolet Silverado, Ford F-Series, Ram 1500, GMC Sierra, and Jeep Grand Cherokee. While the Silverado, F-Series, Ram, and Sierra trucks are durable options for Nebraska’s rural towns, the Jeep Grand Cherokee is a solid pick for a fuel-efficient, versatile SUV.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $195 |
| Ford F-Series | $184 |
| Ram 1500 | $218 |
| GMC Sierra | $197 |
| Jeep Grand Cherokee | $198 |
Disclaimer: Table data is based on real-time Nebraska quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Nebraska
Car insurance companies use your driving record to determine how likely you are to file a claim. If you have a clean record, you’ll likely pay less for coverage than a driver with a history of traffic violations. Speeding tickets, at-fault accidents, and DUIs can significantly increase how much you pay for auto insurance.
The table below lists auto insurance costs for Nebraska drivers with incidents on their records, according to data from Insurify.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $217 | 36% |
| With speeding ticket | $210 | 34% |
| With DUI | $245 | 43% |
Disclaimer: Table data is based on real-time Nebraska quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average Nebraska car insurance rates by credit tier
Like many other U.S. states, Nebraska permits car insurance companies to use your credit history when determining your rates. Insurers consider your credit history when determining your risk level as a driver. Drivers with excellent or good credit are usually less likely to file a claim and, as a result, get cheaper car insurance rates.
The table below breaks down the average monthly car insurance rates by credit tier in Nebraska, according to Insurify data.
Credit Tier | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Excellent | $85 | $183 |
| Good | $84 | $180 |
| Fair | $82 | $176 |
| Poor | $109 | $233 |
Disclaimer: Table data is based on real-time Nebraska quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How to lower your insurance costs in Nebraska
No matter your age, credit history, or where you live, you can always try to save money on your car insurance. These tips can help you reduce how much you spend on your auto insurance coverage in the Cornhusker State:
Explore discounts
Most car insurers offer discounts for policyholders that meet certain criteria. Look for discounts that apply to you, like an anti-theft device discount, a good student discount, or a low-mileage discount.
Consider pay-per-mile insurance
Pay-per-mile insurance might be cost-effective if you don’t drive often because you only pay for the miles you drive.
Bundle your policies
Many insurers offer bundling discounts if you combine homeowners or renters insurance with your auto policy.
Raise your deductible
A higher deductible can lead to lower car insurance premiums. But make sure you have the funds available if you need to file a claim because you’ll pay more out of pocket.
Shop around
Get quotes from at least three different auto insurance insurance companies to make sure you get the cheapest coverage. Then, compare rates, coverage options, and customer reviews to find the best policy for your situation.
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Nebraska average car insurance cost FAQs
Below, we’ve answered some common questions from drivers about car insurance rates in Nebraska. Use them to help you make the best decisions for your insurance needs.
What is the average annual cost of car insurance in Nebraska?
Nebraska drivers pay an average of $823 annually for state-minimum coverage and $1,602 for full coverage. Your ZIP code, gender, driving history, and credit history affect how much you pay for insurance.
What is the cheapest car insurance company in Nebraska?
Auto-Owners is the cheapest car insurance company in Nebraska. Its average liability-only premiums are $41 per month.
How much is car insurance per month in Nebraska?
Drivers in Nebraska pay an average of $69 per month for liability-only coverage and $133 per month for full coverage.
What are the best auto insurance companies in Nebraska?
Auto-Owners, American Family, and State Farm are among the best auto insurance companies in Nebraska. But remember to shop around and get quotes from several insurers to find the best coverage at the cheapest rate.
What are the car insurance requirements in Nebraska?
Nebraska drivers must purchase $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 per accident in property damage liability.[3] Nebraska also requires $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Sources
- Insurance Institute for Highway Safety. "State by state."
- U.S. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- 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.
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Writer: Anna BaluchAuto and Home Insurance Writer
Writer: Anna BaluchAuto and Home Insurance Writer
Qualifications:
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.