Best Car Insurance in Nebraska (2026)

Best car insurance companies in Nebraska

Nebraska requires car insurance for the 2 million-plus vehicles registered in the state. Insurify analyzed 120+ car insurance companies to help simplify your search for car insurance in Nebraska.

Here are the top five insurance companies for Nebraska drivers, based on average rates, available discounts, and customer satisfaction ratings.

GEICO: Best overall

Best overall

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User Reviews	4.1 21,220 reviews
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.	9.2 /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.	$66/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.	$131/mo

Details

4.1

Best choice in NebraskaBased on 21,220 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	4.0	2.9
Policy transparency	4.1	3.1
Value	4.0	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

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Best in Nebraska for

Teen drivers

Cheap rates

Accident forgiveness

Showing 8 reviews from Nebraska driversSee all 8,332 GEICO reviews

Timothy

Verified Review

Great coverage; price could be more competitive

Reviewed in Nebraska on September 15, 2026

Prices can be beaten by some other companies for the same coverage.

Amber

Verified Purchase

Loving my GEICO coverage!

Reviewed in Nebraska on August 28, 2026

So far, the whole process has been easy. I did it all myself, so my experience has been great! No issues—they make everything super simple in the app.

Broc

Verified Review

It is what it is in 6 months with Progressive

Reviewed in Nebraska on April 1, 2026

It could have been cheaper. Progressive is $200 cheaper.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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

Best for Nebraska drivers who want competitive rates, a long list of discounts, and superior customer service, GEICO has above-average customer satisfaction scores and financial strength ratings. 

Features like claim forgiveness and GEICO’s usage-based DriveEasy program help keep car insurance premiums low. Insurify data shows GEICO is among the cheapest insurers in Nebraska.

Pros

• Affordable rates across a wide range of driver profiles

• Above-average JD Power customer satisfaction rating in the Central region

• AM Best financial strength rating of A++ (Superior)

Cons

• Doesn’t offer gap insurance

• Low Trustpilot rating

• Some discounts not available in all states

Shelter: Best for customer service

customer service

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User Reviews	4.4 125 reviews
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.	8.1 /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.	$121/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.	$239/mo

Details

4.4

Best choice in NebraskaBased on 125 verified driver reviews and ratings

	Shelter's score	Industry average
Coverage options	4.2	3.2
Customer service	4.3	3.6
Discounts	3.8	2.9
Policy transparency	4.2	3.1
Value	3.8	2.9

How drivers feel about Shelter

Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.

Based on analysis of verified reviews collected by Insurify

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Best in Nebraska for

Customer satisfaction

Cheap full coverage

Optional coverages

Showing recent national reviews

Agnes

Verified Review

Satisfactory

Reviewed in Missouri on August 17, 2026

The agent is sometimes hard to reach. However, he does call back, especially at renewal time.

Gary

Verified Review

Excellent

Reviewed in Missouri on July 27, 2026

Excellent, except for the price.

Marilyn

Verified Review

Also in bundle with homeowners insurance ($250 deductible, full replacement costs)

Reviewed in Kentucky on June 2, 2026

The costs are too high for my car and driving record. I'm the only driver, a widow, and I drive under 50 miles per week. I'm retired and on a fixed income. My car is kept in a garage, always locked with an alarm system. It has a small engine, rear-wheel drive, and is a 4-door with an automatic rear hatch. I have no tickets, no claims, no accidents, and I'm a safe driver.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

677

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.38

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

Shelter is a regional insurer that serves Nebraska and 13 other states. Nebraska drivers who prioritize customer service may find Shelter worth considering. The insurer earned the highest customer satisfaction score for the central U.S. in the JD Power U.S. Auto Insurance Study.

Shelter offers 24-hour claims reporting and customer service hours from 7 a.m. to 10 p.m., Central time. It also offers some standout coverage options, including roadside assistance, rental car reimbursement, gap insurance, and disability income coverage.

Pros

• Best customer satisfaction rating in the Central region

• Many optional coverages available

• 14 advertised discounts

Cons

• Not the cheapest rates in Nebraska

• Available in only 14 states

• Must work with an agent to buy a policy

American Family: Best for discounts

discounts

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User Reviews	4.6 633 reviews
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.	$57/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.	$114/mo

Details

4.6

Best choice in NebraskaBased on 633 verified driver reviews and ratings

	American Family's score	Industry average
Coverage options	4.7	3.2
Customer service	4.9	3.6
Discounts	4.7	2.9
Policy transparency	4.6	3.1
Value	4.5	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.

Based on analysis of verified reviews collected by Insurify

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Best in Nebraska for

Outstanding customer service

Flexible coverage options

Families with young drivers

Showing recent national reviewsSee all 286 American Family reviews

Gerald

Verified Review

Best in Class

Reviewed in Nevada on October 29, 2026

Check American Family first—excellent service and affordability.

David

Verified Review

I’d recommend this insurance to anyone

Reviewed in Missouri on October 13, 2026

No problems with any of the three policies.

Mary

Verified Review

Great Value and Service

Reviewed in Nevada on September 26, 2026

Great service so far. No issues. Fair pricing.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

674

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

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

The average Nebraska driver can typically qualify for several discounts through American Family. For example, its multi-vehicle discount could be a good fit for the 1 in 10 Nebraska households with multiple vehicles. Nebraskans insuring a teen driver may also benefit from American Family’s good student, generational, and young volunteer discounts.

The insurer also lets you lower your rate by staying accident-free, enrolling in DriveMyWay, bundling policies, switching insurers, going paperless, and opting for full coverage.

Pros

• Multiple discounts to help lower insurance rates in Nebraska

• Above-average JD Power customer satisfaction rating in the Central region

• 4.5 out of 5 stars on Trustpilot

Cons

• Available in only 19 states

• Doesn’t advertise exact savings for many discounts

• Must qualify for and purchase accident forgiveness coverage

Root: Best for safe drivers

safe drivers

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User Reviews	3.4 1,607 reviews
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.	7.9 /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.	$79/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.	$140/mo

Details

3.4

A solid option in NebraskaBased on 1,607 verified driver reviews and ratings

	Root's score	Industry average
Coverage options	3.5	3.2
Customer service	3.3	3.6
Discounts	2.9	2.9
Policy transparency	3.4	3.1
Value	3.2	2.9

How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

Based on analysis of verified reviews collected by Insurify

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Best in Nebraska for

Usage-based insurance

Safe drivers

Cheap rates

Showing recent national reviewsSee all 596 Root reviews

Francisco

Verified Review

Bad

Reviewed in Florida on October 17, 2026

Very poor. You can only deal with customer service through text messages, and any changes to your policy you have to do yourself. No discounts are available for military service or military veterans. Find something else.

Shacondrea

Verified Review

Not Happy

Reviewed in Georgia on October 16, 2026

My renewal rate increased by almost $200, and I don’t have any tickets, traffic violations, or accidents.

Monica

Verified Review

Worst Company Ever!

Reviewed in Maryland on October 14, 2026

Leave this company. I feel like they weren’t honest and I ended up wasting money. If I could give zero stars, I would. Please shop around. I have a 2026 car, and I assumed—like with other companies—that I would have full coverage, but that wasn’t the case with this company. Now a deer hit my car, and I’m stuck paying for the damages.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.93

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).

NR

Why we picked this company

Root bases Nebraska drivers’ rates on personalized driving quotes generated during a weeks-long test-drive, rather than strictly demographics.

This fully digital insurer also reduces costs by limiting coverage to drivers with clean driving records. For example, Root won’t automatically charge higher rates for Nebraskans whose daily commute is longer than the state average of 19.2 minutes. But driving during more dangerous times of the day may increase your rate.

Pros

• Highly rated mobile app

• Available in 35 states

• Trustpilot rating of 4 out of 5 stars

Cons

• Doesn’t offer renters insurance in Nebraska

• Mobile-only customer experience

• Not all drivers will qualify for a quote after test-drive

Dairyland: Best for high-risk drivers

high-risk drivers

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User Reviews	4.1 367 reviews
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.	7.7 /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.	$104/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.	$227/mo

Details

4.1

Best choice in NebraskaBased on 367 verified driver reviews and ratings

	Dairyland's score	Industry average
Coverage options	4.0	3.2
Customer service	3.9	3.6
Discounts	3.5	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

How drivers feel about Dairyland

Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.

Based on analysis of verified reviews collected by Insurify

---

Best in Nebraska for

Hard-to-insure drivers

Customer satisfaction

RV and motorcycle coverage

Showing recent national reviewsSee all 195 Dairyland reviews

John

Verified Purchase

Service

Reviewed in California on October 30, 2026

Affordable, easy-to-use website, and friendly customer service.

Tonylyn

Verified Review

Trust Them More Than Most

Reviewed in Arizona on September 28, 2026

The only reason I’m looking for another insurance company is because I have an agent who keeps raising my policy costs.

Christine

Verified Review

Helping People

Reviewed in West Virginia on September 21, 2026

Very helpful.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.49

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

Roughly 4% of Nebraskans have speeding tickets, 5% have been in an accident, and 1.2% have a driving under the influence (DUI) conviction, Insurify data shows. Car insurance rates tend to be higher than average for high-risk drivers. SR-22 insurance requirements can also limit Nebraska drivers’ insurer choices.

Dairyland’s rates are typically higher among companies specializing in insurance for high-risk drivers. That said, its high Trustpilot ratings and financial strength ratings indicate better customer service and a higher probability of paying claims.

Pros

• Caters specifically to high-risk Nebraska drivers

• AM Best financial strength rating of A+ (Superior)

• Trustpilot rating of 4.5 out of 5 stars

Cons

• Limited number of discounts

• Limited options for additional insurance coverage

• Fewer optional coverages than some competitors

How we chose the best car insurance companies in Nebraska

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.

Average cost of car insurance in Nebraska

The average cost of car insurance in Nebraska is $70 per month for liability insurance and $135 per month for full coverage. The state’s average rates are lower than the national averages of $99 per month for liability coverage and $187 for full coverage.

Nebraska’s small uninsured driver population likely helps keep insurance rates low. The state had the tenth-lowest estimated percentage of uninsured drivers (9.5%) nationwide, according to Insurance Research Council data.

Insurance rates in Nebraska also fell 3% in the first half of 2026, according to an Insurify report.

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4.7 out of 5 based on 18,162 reviews

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How to get the best car insurance in Nebraska

Nebraska law allows car insurance companies to consider credit history when determining rates, among other factors. While some of these aren’t in your control, the following tips can help you find better rates based on your car insurance needs.

• 

  Maintain continuous car insurance coverage

  Insurers often assign greater risk to drivers without continuous insurance coverage. The state can suspend or revoke your license if you can’t provide proof of insurance, according to the Nebraska Department of Motor Vehicles (DMV).^[1]

• 

  Consider additional coverage

  Nebraska drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 for property damage liability, and $25,000 per person and per accident in uninsured/underinsured motorist coverage.^[2] Consider comprehensive coverage and roadside assistance if you’ve never driven in a Nebraska blizzard.

• 

  Ask about and maximize discounts

  Insurers often discount rates for Nebraska drivers who drive less, bundle their policies, or take a defensive driving or driver’s education course, according to the Nebraska Department of Insurance.^[3] Ask about what discounts you may qualify for.

• 

  Compare multiple quotes

  Obtain multiple quotes from several insurers based on at least two types of coverage: one that aligns with Nebraska’s minimum requirements and the other with additional coverage more tailored to your needs. Balance the increased cost of broader protection with the potential benefits.

Best car insurance in Nebraska FAQs