Average Car Insurance Cost in Nebraska (2024)

Drivers in Nebraska pay $150 per month for car insurance, on average.

Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated March 1, 2024 at 11:00 AM PST

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The average rate for car insurance in Nebraska is $150 per month, or $1,797 per year. Residents in the affectionately nicknamed Cornhusker State pay slightly less than the national car insurance average of $156. 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.

Quick Facts
  • The average monthly cost of minimum-coverage car insurance in Nebraska is $88, and the average monthly cost of full-coverage car insurance is $212.

  • Nebraska allows drivers to take a driving safety course to remove points from their record.

  • Located in Tornado Alley, Grand Island has the highest rates for car insurance in Nebraska.

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

The average cost of car insurance in Nebraska is $88 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 $212 per month.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auto-Owners2441
American Family3457
USAA3863
GEICO3966
Allstate4169
State Farm4271
Clearcover4775
Safeco53113
Nationwide5795
Progressive61101
AssuranceAmerica69114
Farmers70118
Shelter72120
Midvale Home & Auto75125
Dairyland90210
Liberty Mutual95178
The General96250
Foremost102242
Bristol West122274
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.

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Bellevue$98$230
Columbus$71$155
Fremont$78$132
Grand Island$71$195
Lincoln$93$198
Omaha$110$238
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.

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.

Rates by Age

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.

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.

AgeMaleFemale
16$420$344
35$200$181
50$154$148
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.

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]

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$88$212
With accident$137$331
With speeding ticket$130$313
With DUI$155$373
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.

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.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Single$86$205
Married$82$197
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.

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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.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$76$181
Good$84$201
Fair$92$221
Poor$134$322
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

Looking for more information to help you get the best car insurance in Nebraska? Here are some commonly asked questions regarding car insurance from motorists statewide.

  • What is the average cost of car insurance in Nebraska?

    The average cost of car insurance in Nebraska is $150 per month. However, your rates could be higher or lower based on your level of coverage, ZIP code, driving history, and vehicle.

  • What is the cheapest car insurance in Nebraska?

    The cheapest car insurance in Nebraska is a liability-only policy offered by Auto-Owners, with a rate of $24 per month. Nebraska drivers can also find cheap coverage through American Family and USAA, the state’s second- and third-cheapest insurers. Their liability-only rates start at $34 and $38, respectively.

  • Do car insurance rates vary by county in Nebraska?

    Yes, car insurance costs vary by county in Nebraska. Counties in the southern part of Nebraska pay more because the higher frequency of tornadoes in this area increases the potential for future claims.

  • What are the best auto insurance companies in Nebraska?

    The highest-rated auto insurance companies offering coverage in Nebraska are State Farm, Country Financial, and USAA. These insurers boast wide product offerings, strong financial stability, and well-regarded customer service.

  • What are the car insurance requirements in Nebraska?

    Nebraska requires you to carry bodily injury ($25,000 per person and $50,000 per accident) and property damage ($25,000 per accident) liability for minimum coverage. Drivers in the state must also carry uninsured and underinsured motorist bodily injury coverage ($25,000 per person and $50,000 per accident). You must have proof of insurance on you when driving.

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.

Sources

  1. Nebraska Department of Motor Vehicles. "Insurance Requirements." Accessed November 3, 2023
  2. Nebraska Department of Labor. "Nebraska Workforce Trends." Accessed November 3, 2023
  3. The North Platte Telegraph. "Nebraska's tornado season hard to predict." Accessed November 3, 2023
  4. Nebraska Department of Motor Vehicles. "Driver Education and Training Courses Certified by the DMV." Accessed November 3, 2023
  5. Nebraska Legislature. "Nebraska Revised Statute 44-7705." Accessed November 3, 2023
Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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