Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Nebraska drivers are fortunate to have many options when it comes to quality car insurance. But that can also make it tough to choose the right company. Insurify’s team of experts analyzed 50 of the top insurance companies to see which ones ranked highest for Nebraska residents.
Here’s what you need to know about finding the best car insurance in Nebraska.
Best car insurance companies in Nebraska
The following car insurance companies are some of the best options if you’re looking for coverage in Nebraska.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$39/mo
3.9
A solid optionBased on 196 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (117)
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Lois
April 20, 2025
Verified Review
Contract
I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!
Richard
April 19, 2025
Verified Review
Time to Compare Rates
I have had no problems with Auto-Owners, I just want to compare rates.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers some of the lowest average annual premiums of any car insurance company operating in Nebraska. You won’t sacrifice quality with its cheap car insurance rates since it gets consistently high ratings in customer surveys. But in case you plan on moving, be aware that it only operates in 26 states.
Pros
Cheap premiums
Rated No. 3 for customer satisfaction in the Central region by J.D. Power
Highly customizable policies and other insurance products
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$53/mo
4.6
Best choiceBased on 463 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (237)
Richard
May 8, 2025
Verified Review
American Family Insurance
Purchased through Costco and it originally saved me a lot of money.
Scott
May 5, 2025
Verified Review
Check the Fine Details
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
Matt
April 26, 2025
Verified Review
Pricing Themselves Out of Customers!
The price of our policies has increased faster and higher than the competition. Our local agents are great to deal with. Customer service is much better than the last company I was insured with.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
In addition to auto and home coverage, American Family offers farm insurance. American Family offers piecemeal coverage options for your barns and other outbuildings, farm liability, tractors, other equipment, and even livestock. Non-farmers with families can also find cheap car insurance options with American Family, which has many teen-friendly discounts.
Pros
High J.D. Power rating for digital support
Many family-friendly discounts
No. 2 J.D. Power customer satisfaction rating in the Central region
Cons
Mediocre mobile app reviews on the App Store
AM Best financial strength rating is lower than some competitors
Not widely available if you move — especially on the East Coast
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$70/mo
4.2
Best choiceBased on 11,128 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,002)
Jane
May 19, 2025
Verified Review
State Farm is too expensive
I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.
Richard
May 18, 2025
Verified Review
Customer service a lost cause
I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.
Jimi
May 16, 2025
Verified Review
Average
No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm underwrites one out of every five Nebraska drivers, making it the largest car insurance company in the state. Having that kind of reputation means you can count on State Farm to ensure you’re paid when you file a claim. The insurer offers good service, too, and it’s easy to get a free quote with a local agent or by entering your ZIP code online.
Pros
AM Best financial strength rating of A++ (Superior)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$59/mo
4.9
Best choiceBased on 2,072 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,183)
Rosemarie
May 16, 2025
Verified Review
Fair
More reasonable prices.
John
May 15, 2025
Verified Review
Agents are quick to respond.
Great! They are very attentive to my needs!
Debra
May 15, 2025
Verified Review
Only Okay
Customer service is pretty hands-off. Our homeowner's policy went up a huge amount this year. I'll need to go shopping again, which is not what I like to do.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
More than 6,400 active-duty service members and 105,500 veterans — plus their families — call Nebraska home and are eligible for a USAA car insurance policy.
The offers very competitive rates, and it’s a great choice if you’re looking for a one-stop shop for all your financial accounts. It even offers farm and ranch insurance, which many Nebraska residents may appreciate.
Pros
AM Best financial strength rating of A++ (Superior)
Full-service bank and insurance company
Highest rated for customer satisfaction in the Central region by J.D. Power
Cons
No branch locations in Nebraska
Requires a military affiliation
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$174/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$284/mo
4.1
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (87)
Joseph
May 3, 2025
Verified Review
Service and advice through the many years with them has been outstanding!
On balance, if I could give them a 10, I would. I've been with them for 43 years! My business with them peaked at homeowners’ landlord rental house, 3 rental policies as each of my 3 kids went off to college, auto coverage on all 5 drivers in my household covering 4-5 vehicles as each kid reached driving age, plus an umbrella liability policy. They never claimed to be the cheapest game in town, but I wasn’t too troubled by that, particularly as each kid began driving. Car claims as well as homeowner claims have been nearly non-existent through all the time with them. Their customer service is based in the US - a blessing in this day and age. I have referred several acquaintances to them through the years - all have had similar results with them. Things are different now - I am retired, children are off my policies and have their own, no longer a landlord, and not the least significant is the cost of coverage. That's the only reason I am looking around.
William
May 2, 2025
Verified Review
Great service but pricey.
Best customer service ever, but very expensive to insure anything in Florida. After thirty years in Rhode Island, I received a 20-25% dividend on all policies. No dividend in Florida.
Carl
April 23, 2025
Verified Review
Amica
They settle claims quickly and fairly, but they are expensive.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.61
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Amica may not have an office in Nebraska, but that doesn’t mean you won’t get good customer service as long as you’re willing to work online. Amica sells easy-to-understand policies featuring minimum coverage, plus various optional add-ons that other insurance typically doesn’t offer, such as credit score monitoring and no-deductible glass replacement.
Pros
Many coverages available
Few complaints with the NAIC
Highest rated for claims satisfaction by J.D. Power
Cons
No offices in Nebraska
Mixed Android mobile app reviews
Doesn’t offer farm and ranch insurance
Our editorial team analyzed regional and national auto insurance companies that sell policies in Nebraska to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Nebraska
If you’re paying too much for insurance, here are some excellent ways you can get a lower rate:[1][2]
Choose a policy offering minimum car insurance coverage
If you have a paid-off car that you can afford to replace, you may not need to buy full-coverage car insurance. You’re only legally required to carry minimum car insurance, consisting of property damage and bodily injury liability coverage (plus protection from uninsured and underinsured motorists). These are cheaper car insurance policies, but they won’t cover your injuries or vehicle damage if you’re at fault in an accident. But if you’re financing or leasing a vehicle, your lender will likely require full coverage.
Practice safe driving habits
Safe drivers pay lower rates than drivers with an incident on their record. They also save money from not having to file a claim or pay tickets and court costs. Even a single DUI conviction can raise your rates tremendously. Many insurers also offer extra discounts for drivers who go a long time without filing any claims or for taking safe driver courses.
Consider ratings and reviews from customers
Cheap car insurance is all well and good, but sometimes that comes with a trade-off when it comes to service. Larger companies typically have a wealth of reviews on Google and Yelp, and independent surveyors like J.D. Power and the NAIC can help you view collective data from customers.
Compare free quotes
The best way to get cheap car insurance is to compare free quotes from as many insurers as you can. Start with at least three insurers, but the more you can compare, the better. It’s usually a quick process to get a free rate quote by entering your ZIP code and some basic information on an insurer’s website.
But Nebraska residents pay lower average rates than the rest of the country. Liability insurance in Nebraska costs an average of $82 per month, compared to $105 in the rest of the U.S.
Full-coverage car insurance also typically comes at a low rate in Nebraska, too. The average monthly premium on a full-coverage policy in Nebraska is $170, compared to $195 in the U.S. as a whole.
Best car insurance in Nebraska FAQs
Keep this information in your back pocket as you gather quotes for your next Nebraska auto policy.
How much is car insurance in Nebraska?
Car insurance in Nebraska costs an average of $82 per month for liability coverage and $170 per month for full coverage, Insurify data shows.
What are the best car insurance companies in Nebraska?
Auto-Owners, American Family, and State Farm offer the best minimum car insurance policies in Nebraska. USAA and Amica also offer good car insurance at a low rate.
What is the required auto insurance coverage amount in Nebraska?
Nebraska drivers must have at least $25,000 in liability coverage per person for bodily injury in an accident (up to $50,000 total per accident) and $25,000 in property damage liability coverage. Drivers must also have uninsured and underinsured motorist liability coverage.[3]
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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