Best Car Insurance in Nebraska (2026)
Auto-Owners, American Family, and State Farm offer the best car insurance in Nebraska.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Edited bySara Getman
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Sara GetmanAssociate Editor
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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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.
Auto-Owners: Best overall
| User Reviews | 3.9 |
|---|---|
| IQ Score 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. | 8.2 /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. | $40/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. | $83/mo |
3.9
A solid optionBased on 326 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 3.2 | 2.9 |
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
Showing recent national reviewsSee all 149 Auto-Owners reviews
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Verified Review
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
663NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Cons
Poor J.D. Power digital service rating
Must speak with an agent to get a quote
May need to find another insurer if you move
American Family: Best for ranch owners
| User Reviews | 4.3 |
|---|---|
| IQ Score 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. | $56/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. | $116/mo |
4.3
Best choiceBased on 612 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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
Showing recent national reviewsSee all 267 American Family reviews
Verified Review
Reviewed in Ohio on April 4, 2026
Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.
Verified Review
Reviewed in Oklahoma on April 4, 2026
They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.
Verified Review
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy 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
State Farm: Best for financial stability
| User Reviews | 4.0 |
|---|---|
| IQ Score 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. | $70/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. | $144/mo |
4.0
Best choiceBased on 16,800 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
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
Showing 12 reviews from Nebraska driversSee all 7,345 State Farm reviews
Verified Review
Reviewed in Nebraska on March 20, 2026
I have State Farm and I have full coverage. They offered me a roadside assistance package for free. However, because I used it 5 times over several years, they are dropping me as a customer. So they give me a package for free, and I use it, and now I'm being punished for it. Really great, State Farm.
Verified Review
Reviewed in Nebraska on February 22, 2026
Overall, State Farm has been okay, but we haven’t had any claims for years. We feel like they are charging too much, and we haven’t had any claims. We have 2 houses insured with them and 2 vehicles, but there are no special rates for long-time (years) customers.
Verified Review
Reviewed in Nebraska on February 5, 2026
I've been with this agent and his office personnel for many years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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)
Highly rated mobile app on the App Store
Offices in nearly 20 Nebraska cities
Cons
Accident forgiveness not available
Gap coverage not available
Slightly fewer discounts than other insurers
USAA: Best for military members and veterans
| User Reviews | 4.2 |
|---|---|
| IQ Score 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. | $62/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. | $128/mo |
4.2
Best choiceBased on 3,364 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.2 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.1 | 2.9 |
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
Showing 6 reviews from Nebraska driversSee all 1,522 USAA reviews
Verified Review
Reviewed in Nebraska on February 14, 2026
USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.
Verified Review
Reviewed in Nebraska on February 10, 2026
USAA has good prices on policies. When filing a claim a few years back, the only thing that stood out to me after the process was what the claim representative said: "We don’t legally have to do any more than that." It was a grey area that they would not even discuss.
Verified Review
Reviewed in Nebraska on December 17, 2025
Have your proof handy when you apply; they do require documentation. If you're a relative, they will work with you on getting the documentation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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)
Amica: Best for customer service
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 709 |
|---|---|
| IQ Score 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. | 8.6 /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. | $245/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. | $450/mo |
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
Showing recent national reviewsSee all 104 Amica reviews
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
Verified Review
Reviewed in Massachusetts on March 1, 2026
Easy to work with.
Verified Review
Reviewed in Texas on February 26, 2026
Customer service is pretty good, but rates have gone up enough to make me look around.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.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.
Find Cheap Car Insurance in Nebraska
Monthly rates start at $40 per month
Excellent
4.7 out of 5 based on 13,251 reviews
Secure. Free. Easy-to-use.
Average cost of car insurance in Nebraska
Insurance costs have been rising across the country — including Nebraska.
But Nebraska residents pay lower average rates than the rest of the country. Liability insurance in Nebraska costs an average of $67 per month, compared to $97 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 $133, compared to $183 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 $67 per month for liability coverage and $133 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]
Sources
- III. "Nine ways to lower your auto insurance costs."
- NAIC. "NAIC Consumer Shopping Tool for Auto Insurance."
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Sara GetmanAssociate Editor
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego