How Much Is Car Insurance in Nebraska? (2026)
Drivers in Nebraska pay an overall average of $1,235 per year for car insurance.
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Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
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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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Quick Facts
The average monthly cost of minimum-coverage car insurance in Nebraska is $70.
Auto-Owners offers the cheapest car insurance in Nebraska, at an average of $41 per month for liability-only policies.
Nebraska car insurance rates fell 2.8% in the first half of 2026, continuing a downward trend that started in 2025, according to Insurify data.
How much is car insurance in Nebraska?
The average cost of liability-only car insurance in Nebraska is $70 per month, or $844 annually. Full coverage in the state averages $135 per month, or $1,625 annually.
Nebraska’s average car insurance rates are lower than national averages. This is likely due to the state’s low rate of fatal accidents and low population density.
The following table illustrates how Nebraska’s average car insurance quotes compare to national averages.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $70 | $844 |
| Full coverage | $135 | $1,625 |
| National liability-only coverage | $99 | $1,184 |
| National full coverage | $187 | $2,243 |
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.
Minimum car insurance requirements in Nebraska
Nebraska, like most states, sets a minimum amount of bodily injury liability coverage and property damage liability coverage that drivers must carry. Nebraska’s minimum liability coverage requirements are 25/50/25. The state also requires drivers to have uninsured/underinsured motorist (UM/UIM) coverage that kicks in if a driver without enough or any insurance causes a crash that injures you or your passengers.[1]
The Nebraska Department of Insurance notes that failing to meet these requirements could result in fines or impounding your vehicle. The department also warns that minimum coverage limits might not be enough to protect you financially in the event of a total loss.
Coverage Type | Nebraska Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured/underinsured motorist | $25,000 per person/$25,000 per accident |
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Cheapest car insurance companies in Nebraska
Auto-Owners offers the cheapest liability-only car insurance in Nebraska, at an average of $41 per month. Because bodily injury liability and property damage liability coverages don’t protect your own vehicle, a liability-only policy is generally cheaper than full coverage.
Generally, Nebraska car insurance rates are more affordable than some other states’ because the state’s motor vehicle crash rates are relatively low and vehicle theft rates have fallen in recent years. The state also has a low population density, which can help reduce road congestion and accident risks.
The following table shows rates from some of the cheapest car insurance companies for Nebraska liability insurance. Keep in mind the best car insurer for you will depend on your individual rating factors.
The below rates in Nebraska are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $41 |
| Progressive | $50 |
| American Family | $57 |
| National General | $57 |
| USAA | $63 |
| GEICO | $66 |
| State Farm | $71 |
| The General | $72 |
| Safeco | $74 |
| AssuranceAmerica | $75 |
| Root | $79 |
| Bristol West | $91 |
| Liberty Mutual | $95 |
| Dairyland | $104 |
| Farmers | $118 |
| Shelter | $121 |
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 city
The state’s largest city, Omaha, has the highest car insurance costs, averaging $163 per month for full coverage and $89 for liability-only policies. With nearly 488,800 residents, Omaha’s population is about 18 times larger than Norfolk’s, the Nebraska city with the lowest car insurance rates.
Norfolk has slightly fewer than 26,700 residents, and its average car insurance costs are $109 monthly for full coverage and $54 for minimum coverage.
With just more than 2 million residents, Nebraska offers hundreds of miles of scenic roadways and relatively low traffic congestion. But car insurance rates can be higher in cities, where more drivers on the road may increase the risk of accidents.
The following table shows average monthly car insurance costs in different Nebraska cities.
The below rates in Nebraska are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Norfolk | $54 | $109 |
| Grand Island | $61 | $124 |
| Columbus | $62 | $125 |
| Fremont | $65 | $142 |
| Lincoln | $73 | $131 |
| Bellevue | $75 | $155 |
| Omaha | $89 | $163 |
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
In Nebraska, teen drivers face significantly higher car insurance costs than other age groups, in part because they get into a high percentage of the state’s accidents. Teen drivers accounted for about 18% of all accidents in the state in 2023 and engage in risky behaviors such as driving without a seat belt.[2]
Young drivers in Nebraska pay an average of $139 per month for minimum-coverage car insurance.
By contrast, Nebraska seniors, who make up about 18% of the state’s population based on U.S. Census Bureau data, pay an average of $59 per month for the same type of coverage. Senior drivers generally pay the lowest car insurance rates, but rates can start to increase after age 70 as accident risks rise. In Nebraska, people 70 and older get into more than 1,500 crashes annually.[3]
The following table illustrates how car insurance costs vary for Nebraskans of different ages.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $139 | $268 |
| Adults (40s) | $71 | $137 |
| Seniors | $59 | $114 |
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
A clean driving record keeps Nebraska car insurance rates low, while infractions like a speeding ticket, accident, or driving under the influence (DUI) conviction can raise rates.
Nebraska’s miles of open roads may tempt drivers to exceed the speed limit. The state has a relatively high percentage of drivers with speeding tickets — 4.4%, according to Insurify data. More than 5% of Nebraska drivers have accidents on their records, and 1.2% have a conviction for a DUI.
Drivers with clean records typically get the cheapest car insurance. By contrast, high-risk drivers with multiple infractions tend to see higher auto insurance rates.
The following table shows how different driving records affect overall average car insurance costs in Nebraska.
Driving Record | Overall Average Monthly Quote in NE | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $102 | N/A |
| With speeding ticket | $132 | 29% |
| With accident | $143 | 40% |
| With DUI | $138 | 35% |
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.
What affects car insurance rates in Nebraska?
Nebraska has just more than 2 million residents in a state that’s nearly 77,000 square miles. This lack of population density helps keep car accidents and associated costs down. In fact, Nebraska’s number of vehicle accident fatalities has steadily declined since 2023.[4]
Vehicles in Nebraska may be at risk for damage from extreme heat, flooding, tornadoes, hail, wildfires, and severe winter weather.[5] Weather risks in a state can cause comprehensive coverage and collision damage claims that increase car insurance rates. But Nebraska’s relatively low vehicle theft rate and comparatively higher average credit score may help keep costs down.
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How Nebraska car insurance rates have changed over the past five years
Nebraska car insurance rates dipped 2.8% during the first six months of 2026, bringing the state’s full-coverage average to $1,547 per year, according to Insurify data. But Insurify data scientists predict the state’s average will creep up 0.7% by the end of the year, trimming the overall decrease to just 2.1%.
The state’s falling accident rates likely contribute to the dip in car insurance costs.
See More
To find car insurance rates in Nebraska and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Nebraska
Finding cheap car insurance in Nebraska isn’t difficult. The state’s average car insurance costs are moderate compared to national averages. But you may be able to save even more with these cost-lowering strategies:
Consider a regional insurer. While national companies can offer competitive rates, it’s often possible to find even lower costs with smaller insurers. Regional insurers serving Nebraska include FMNE Insurance, Calgo Insurance Company, and others.
Drop unnecessary coverages. Optional coverages can be nice to have, but they also increase your premium. Consider giving up ones you don’t really need. For example, medical payments coverage is optional in Nebraska. If you have good health insurance, you may be able to save by skipping this coverage.
Work on your credit. Nebraska allows car insurance companies to use credit information when setting your rate.[6] Generally, a better credit history means access to lower car insurance rates, while poor credit can lead to higher rates.
Compare quotes. Shop around and compare car insurance companies to see which offers the insurance coverage you need at the best price. Be sure to consider what car insurance discounts each company offers when comparing quotes. For example, most companies offer a discount if you bundle policies like auto and home insurance.
Agent Tip: How to compare quotes
“When you compare quotes, make sure each is for the same coverage types, coverage limits, and deductible amounts. That way, you know you’re comparing prices for equal coverage.”
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Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Nebraska average car insurance cost FAQs
If you’re looking for more information about how car insurance works in Nebraska, the following information may be helpful.
What’s the average cost of car insurance in Nebraska?
The average cost of car insurance in Nebraska is $70 per month for liability-only coverage and $135 per month for full coverage, according to Insurify data.
Why is insurance so expensive in Nebraska?
Nebraska car insurance can be expensive in certain areas like Omaha, although the state’s average costs are comparatively low. Factors like exposure to hail and tornadoes, local crime rates, and accident rates can all push car insurance costs up in certain parts of the state.
Is $300 per month too much for car insurance in Nebraska?
For middle-aged Nebraska drivers with a clean record, $300 per month would be comparatively high. The state average is just $135 per month for full coverage. But drivers with at-fault accidents on their records, drivers who need an SR-22, or people who choose a very low deductible amount could see rates in the $300 range.
What factors affect car insurance costs in Nebraska?
On a state level, Nebraska’s low population density, falling accident fatality rates, lower cost of living, and higher average credit score all contribute to comparatively low car insurance rates. At a driver level, where you live in the state, your driving history, your credit, and whether you carry optional coverages such as medical payments and comprehensive and collision all affect how much you’ll pay for Nebraska car insurance.
Is Nebraska a no-fault state?
No. Nebraska is an at-fault state, meaning the driver who causes the accident is financially responsible for injuries and damage stemming from the crash.
Sources
- Nebraska Department of Insurance. "Importance of Auto Insurance and Types of Coverage."
- Nebraska Department of Transportation. "2023 Nebraska Teen Driver Facts."
- Nebraska Department of Transportation. "Older Driver Facts & Resources."
- Nebraska Department of Transportation. "Nebraska Traffic Fatality Toll Comparison Year End 12/31/2025."
- Nebraska Emergency Management Agency. "Nebraska Hazards."
- Nebraska Legislature. "Nebraska Revised Statute 44-7705."
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
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Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
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.