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Best Car Insurance Companies in Nebraska 2022: Quotes, Discounts

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Nebraska is Clearcover.
  • Travelers is the cheapest insurer on average in Nebraska, with average rates of $96 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

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.

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in NebraskaInsurify Composite Score
1Clearcover$12897
2Nationwide$14789
3Safeco$15086
4Liberty Mutual$16882
5Travelers$9680
6Progressive$101Not Rated
7Midvale Home & Auto$133Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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

What is the best car insurance company in Nebraska?

In Nebraska, Nationwide, Clearcover, Safeco, and Liberty Mutual all reliably pay claims, have high customer ratings, and offer good rates to drivers. Keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

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.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Clearcover logo

Clearcover

Average monthly cost:
$128
Insurify Composite Score:
97

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$176
Drivers Over 60$90
Safe Drivers (No Prior Violations)$113
Drivers With a Prior Accident$185
Drivers With a Prior Speeding Ticket$169
Drivers With Average Credit$130
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Nationwide logo

Nationwide

Average monthly cost:
$147
Insurify Composite Score:
89

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$227
Drivers Over 60$103
Safe Drivers (No Prior Violations)$138
Drivers With a Prior Accident$205
Drivers With a Prior Speeding Ticket$222
Drivers With Average Credit$164
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Safeco logo

Safeco

Average monthly cost:
$150
Insurify Composite Score:
86

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$246
Drivers Over 60$105
Safe Drivers (No Prior Violations)$133
Drivers With a Prior Accident$215
Drivers With a Prior Speeding Ticket$200
Drivers With Average Credit$150
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$274
Drivers Over 60$96
Safe Drivers (No Prior Violations)$154
Drivers With a Prior Accident$212
Drivers With a Prior Speeding Ticket$218
Drivers With Average Credit$172
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
Travelers logo

Travelers

Average monthly cost:
$96
Insurify Composite Score:
80

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$130
Drivers Over 60$79
Safe Drivers (No Prior Violations)$89
Drivers With a Prior Accident$120
Drivers With a Prior Speeding Ticket$132
Drivers With Average Credit$95
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
Progressive logo

Progressive

Average monthly cost:
$101
Insurify Composite Score:
N/A

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
Driver CategoryAverage Monthly Cost
Drivers Under 25$149
Drivers Over 60$59
Safe Drivers (No Prior Violations)$100
Drivers With a Prior Accident$109
Drivers With a Prior Speeding Ticket$121
Drivers With Average Credit$106
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Driver CategoryAverage Monthly Cost
Drivers Under 25$181
Drivers Over 60$101
Safe Drivers (No Prior Violations)$113
Drivers With a Prior Accident$206
Drivers With a Prior Speeding Ticket$178
Drivers With Average Credit$136
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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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.

CityAverage Monthly Cost
Beatrice$161
Grand Island$162
Lincoln$184
Nebraska City$124
Omaha$214
Scottsbluff$148
Valentine$146
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

See More: Car Insurance for Bad Driving Records

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.

Frequently Asked Questions

  • Clearcover is our top choice for the best car insurance company in Nebraska in 2022. The company has competitive prices, automated sales, and an easy claims process. However, you should shop around to compare insurance providers to ensure you get the best coverage for your needs.

  • According to our analysis, Travelers sells the cheapest auto insurance in Nebraska overall. Your rates can vary based on driving history, credit score, coverage limits, deductible, and more. You may discover lower rates with a company like Progressive or Clearcover.

  • According to the Nebraska DMV, car insurance is required - drivers must present proof of financial responsibility (a certificate of insurance or similar) if asked. Nebraska insurance requirements include a state minimum coverage of $25,000 bodily injury liability or death of one person, $50,000 liability coverage for total bodily injury or death liability and $25,000 for property damage liability. Many drivers buy additional protection such as full-coverage car insurance, collision coverage, or comprehensive coverage.

  • Finding the best cheap auto insurance wasn’t always easy. But now, it’s quick and painless when you compare Nebraska car insurance policies in one place with Insurify. Sit back and relax while we do the hard work to deliver instant car insurance quotes to you.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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