Best Car Insurance Companies in Nebraska 2022 | Quotes, Discounts

Nebraska drivers have many choices for car insurance when buying auto protection. Drivers in the Cornhusker State pay an average rate of $178 per month for auto insurance coverage. However, prices can vary depending on where you live, your driving habits, and other factors.

Before you renew your auto insurance policy with the same insurer this year, look at what other options you have. Fortunately, Insurify's industry-leading price comparison technology lets you instantly compare multiple car insurance options to find the best rates for you and your car.

Let's take a look at the best auto insurance companies in Nebraska in 2022.

Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

With so many options, finding the right policy can be a bit overwhelming. However, we’ve reviewed Nebraska auto insurance so you don’t have to - here are a few companies you can check out first.

1

Clearcover

Launched in 2016, Clearcover sells insurance in most states, including Nebraska. For the moment, Clearcover only sells auto insurance but may add other options in the future.

Customers rave about Clearcover because of its robust digital platform. It's straightforward to get a quote and file a claim using the website or app. Also, rideshare drivers will rejoice because Clearcover has strong coverage for that, too.

In all, Clearcover is our top pick for car insurance companies in Nebraska. We considered the company's customer satisfaction, complaints, mobile app reviews, and the insurer's financial stability.

The company doesn’t offer many discounts. Instead, Clearcover builds deals into its pricing to make cheap car insurance available for everyone. The insurer provides additional discounts to customers in the military, allowing you to save 15 percent.

Seniors, safe drivers, and drivers with average or good credit can get excellent auto insurance rates with Clearcover.

2

Nationwide

As one of the largest insurers in the U.S., Nationwide has a vast selection of insurance products like homeowners, car, umbrella, life, and travel insurance.

Although Nationwide’s prices may not be the cheapest, customers consistently praise the company for its responsive customer service and claims-handling experiences.

However, Nationwide has a lot of potential discounts that can help reduce your costs further:

• Multi-policy

• Safe driver

• Good student

• Accident-free

• Automatic payment

• Anti-theft device

• Defensive driving course

• Telematics

• Belonging to an organization (alumni, employers, professional and sports groups)

Nationwide stands out as a good option for senior drivers, offering a discount for their years of driving experience. However, for most other drivers, it ranks in the middle of the pack, price-wise.

3

Safeco

Although the name might not be as familiar as GEICO or State Farm, Safeco has been around for nearly 100 years. The company is part of Liberty Mutual and boasts a full suite of property insurance like home, auto, and watercraft insurance.

Besides quality insurance products, Safeco offers ways to lower your costs through discounts:

• Multi-car

• Teen Driver Safety program

• Multi-policy/bundling

• Anti-lock brakes

• Accident prevention course

• Low annual mileage

• Safe driver

• Installing an anti-theft device in the vehicle

• Homeowners

Ultimately, Safeco has competitive rates compared to other insurers and is an excellent option for less experienced drivers.

4

Liberty Mutual

As the sixth-largest insurer, Liberty Mutual can cover cars, ATVs, RVs, boats, motorcycles, and other vehicles. Plus, it has policies for flood insurance and all types of buildings: homeowners, renters, and condo owners.

Liberty Mutual offers teachers’ car insurance that provides additional coverage for things such as vandalism, stolen teaching materials, school property, and collision if driving your vehicle for school business.

Liberty Mutual is generous with its discounts. Here are many of them:

• Homeowners

• Active, retired, or reserve member of the U.S. armed services

• Driving an electric or hybrid car

• Good student grades

• Safety devices like anti-theft devices, anti-lock brakes, and adaptive headlights

• Clean driving record

• Multiple cars

• Multi-policy/bundling

• Shopping with Liberty Mutual before your current auto policy expires

• Paying the entire premium upfront

• Opting for e-documents

• Affiliation with specific alumni, employers, or professional groups

• New customer

Young drivers can expect to pay a little more with Liberty Mutual, but seniors are rewarded with competitive rates. Insurance premiums range from $96 to $274, depending on the driver's age, driver’s license record, and credit history.

5

Travelers

Travelers Insurance started 165 years ago with property, casualty, and specialty insurance. You will find all kinds of coverage from auto and renters to boat and wedding.

You can customize your Travelers car insurance coverage with upgrades like roadside assistance, loan or lease gap insurance, and rental car reimbursement. The company also has an accident forgiveness plan that helps lower the cost of your car insurance for maintaining a safe driving record.

Top discounts from Travelers include:

• Multi-policy

• New car

• Multi-car

• Homeowner

• Driving a hybrid or electric car

• Safe driver

• Good student grades

• Student at college without a car

• E-payment

• No gaps in coverage

• Affiliation with certain employers, credit unions, or organizations

Travelers car insurance rates are very competitive. Even less experienced drivers or those with car accidents or speeding tickets can find reasonable rates with Travelers.

6

Progressive

Started in 1937, Progressive insurance is the third-largest insurer in the U.S. in terms of market share. The company regularly receives customer praise for service and claims handling.

Progressive is most well known for its car insurance but can also insure an array of other vehicles like motorcycles, classic cars, golf carts, and boats. You can get homeowners, renters, condo, mobile home, and flood insurance, too.

Progressive provides reasonable car insurance rates and a variety of discounts:

• Multi-policy

• Multi-car

• Homeowner

• Distant student

• Good student

• No gaps in insurance coverage

• Automatic payment

• Paying the entire premium upfront

• E-documents

7

Midvale Home & Auto

Midvale Home & Auto Insurance company is a straightforward insurer that sells car, homeowners, renters, and condo insurance. It has been in business for 90 years, is based out of Madison, Wisconsin, and is part of the American Family Life insurance company.

Midvale Home & Auto has extensive discounts to help reduce your insurance cost:

• Good driver, defensive driver, accident-free

• Homeowner

• Low mileage, passive restraint, anti-lock brake, electronic stability control, daytime running lights, anti-theft device

• Good student, student away at school, new graduate

• Military, occupation

• Senior adult

• Multiple policy, multiple vehicle

• Loyalty, provider switch, early quote

• Preferred payment, paid in full, paperless documents

Compared to the other companies we've reviewed for Nebraska drivers, Midvale's prices are in the middle of the pack, similar to Nationwide and Liberty Mutual.

Average Monthly Cost of Car Insurance in Nebraska

The national average monthly cost of car liability insurance is $214, but Nebraska drivers can typically expect to pay less than the average, even if they have a less-than-perfect driving record. Drivers in Omaha and Lincoln are likely to pay the highest rates since they’re the most populated cities.

How to Determine the Best Car Insurance Company for Yourself

Shopping for the best car insurance in Nebraska is unique to your needs. The insurance your friend bought might not be the best for you since pricing is based on the type and age of the car you drive, your driving history, and more.

You can let Insurify do all the hard work for you by shopping with multiple providers simultaneously. Just enter some basic information, and Insurify will deliver the best Nebraska car insurance options.

Choose the company and level of coverage that makes the most sense for you. It only takes a few clicks to buy the policy and receive it by email immediately.