120+ more*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Media relations director for Insurance Information Institute
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Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Liability coverage in Nebraska costs an average of $67 per month, while full coverage comes in at $133 per month. Nebraska’s average car insurance rates fall below the national averages of $97 and $183, respectively.
Nebraska’s rural geography plays a big role in its pricing. It ranks 45th in population density, which means there are fewer cars on the road and a lower risk of accidents than in more densely populated states.[1]
Still, rates can vary depending on your driving record, age, and coverage level. We’ve collected data from 120+ insurance companies in Nebraska to show how prices compare.
Driver Category  | Cheapest Insurance Company in NE | Cheapest Monthly Quote in NE |
|---|---|---|
| Overall | Auto-Owners | $40 |
| State-minimum coverage | Auto-Owners | $40 |
| Full coverage | Auto-Owners | $83 |
| Drivers with a clean record | Auto-Owners | $40 |
| After a speeding ticket | Auto-Owners | $53 |
| After an at-fault accident | Auto-Owners | $53 |
| After a DUI | Auto-Owners | $55 |
| Teen/new drivers | Auto-Owners | $86 |
| Seniors | Auto-Owners | $31 |
| Bad credit | Auto-Owners | $60 |
You’ll need 25/50/25 liability coverage to meet Nebraska’s minimum auto insurance requirements.[2]
Liability insurance meets the state’s minimum requirements but may not fully cover costs after a serious crash, especially in larger cities like Omaha or Lincoln, where repair and medical costs can run higher. Liability-only car insurance also won’t cover damage to your vehicle after an accident.
Nebraska drivers pay $67 per month on average for this level of coverage, with Auto-Owners offering the lowest rates.
The table below shows the cheapest liability-only car insurance rates in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $40 |
| Progressive | $53 |
| American Family | $56 |
| National General | $56 |
| USAA | $62 |
| GEICO | $65 |
| Allstate | $68 |
| State Farm | $70 |
| Safeco | $73 |
| AssuranceAmerica | $74 |
| Root | $74 |
| The General | $75 |
| Bristol West | $92 |
| Nationwide | $94 |
| Liberty Mutual | $98 |
| Liberty Mutual | $98 |
| Dairyland | $103 |
| Farmers | $116 |
| Shelter | $119 |
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Britney Balk
Customer Service Supervisor, Insurify
Nebraska’s lower traffic density helps keep rates low, but it doesn’t eliminate risk, especially when injuries are involved. Medical costs and liability claims can add up quickly after a serious accident, which is why many drivers opt for higher liability limits and full-coverage protection.
Full-coverage auto insurance adds collision and comprehensive protection on top of liability insurance. That matters in Nebraska, where hailstorms, tornadoes, and deer collisions are common.[3] It’s usually optional under Nebraska law, but lenders often require comprehensive and collision coverage if you have a car loan or lease.
The cheapest full-coverage rate for Nebraska drivers is $83 per month, from Auto-Owners.
The companies in the table below offer the cheapest full-coverage rates in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $83 |
| National General | $113 |
| American Family | $116 |
| USAA | $128 |
| GEICO | $133 |
| Root | $134 |
| Allstate | $140 |
| Safeco | $141 |
| State Farm | $144 |
| AssuranceAmerica | $152 |
| Liberty Mutual | $176 |
| Liberty Mutual | $176 |
| Nationwide | $193 |
| The General | $199 |
| Bristol West | $201 |
| Dairyland | $225 |
| Farmers | $238 |
| Shelter | $244 |
*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Nebraska within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Between severe weather season and long stretches of rural highway, Nebraska drivers need an insurer that can back up a good rate with reliable claims handling.
The best car insurance companies in Nebraska balance competitive rates with coverage that fits the local risks that Cornhusker State drivers actually face.
| 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. | 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 |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners scores well in J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study. High claims satisfaction can matter for Nebraska drivers dealing with storm damage or wildlife-related claims. Auto-Owner offers gap insurance and accident forgiveness, giving drivers more flexibility to customize their coverage.
Offers multiple car insurance discounts to help lower rates
Strong claims satisfaction ratings
Only one deductible applies if multiple policies are affected by the same event
Online quotes aren’t available
Accident forgiveness requires three claim-free years with no major violations
Insurance agent availability varies by location
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
|---|---|
| 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. | 8.7 /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. | $53/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive can be a strong option for the 11% of Nebraska drivers with driving violations on their record, according to Insurify data. Its Snapshot program tracks your driving behavior in real time, which may help offset the impact of past violations such as speeding tickets or at-fault accidents.
You can also customize coverage with add-ons like rental car reimbursement, roadside assistance, and custom parts and equipment coverage.
No up front SR-22 filing fee
Name Your Price tool helps budget-conscious drivers
Same-day coverage available
Below-average J.D. Power claims satisfaction scores
Snapshot tracking may raise rates for some drivers
Pricing can vary depending on how you purchase a policy
| User Reviews | 4.5 |
|---|---|
| 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 |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.2 | 2.9 |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
With nearly 67% of Nebraskans owning a home, American Family can be a good choice for drivers looking to bundle home and auto insurance.[4] The insurer’s bundling discounts of up to 40% (depending on eligibility) can make coverage more affordable for homeowners.
The company also offers two usage-based programs, DriveMyWay and MilesMyWay, so you can lower your rate based on how safely or how little you drive.
Above-average claims rating by J.D. Power
Strong digital tools and online services
Offers gap coverage, roadside assistance, and rental reimbursement
Not all policies are issued by American Family directly
Fewer discounts than some competitors
Rates may increase with DriveMyWay depending on driving behavior
Nebraska auto insurance rates rose through 2023 and 2024 as repair costs and claims expenses increased, according to Insurify data. Fraud is also a growing concern. The Nebraska Department of Insurance reported 1,201 fraud referrals in 2024, an 18% increase from the previous year.
Looking ahead, Insurify data projects a modest 1.4% decrease in Nebraska’s average car insurance prices in 2026, which would bring some relief after two years of increases.
The table below shows how auto insurance policy premiums in Nebraska have changed over the past five years.
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Nebraska requires all drivers to carry minimum levels of bodily injury liability, property damage, and uninsured/underinsured motorist (UM/UIM) coverage.
Here are Nebraska’s minimum car insurance requirements:
Coverage Type | Policy Limit |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
Nebraska is an at-fault state, meaning you’re responsible for paying for injuries and property damage you cause in a crash. Because medical and repair costs can exceed these limits, many drivers choose higher liability coverage. You may also want to add comprehensive and collision as additional coverage types to help protect your own vehicle.
Car insurance rates vary significantly across Nebraska cities due to differences in traffic, population density, and local risk factors.
Omaha’s mix of interstate traffic and higher vehicle theft rates can push car insurance rates higher, making it one of the most expensive cities in the state for coverage.[5] Drivers in smaller cities like Norfolk and Columbus tend to pay less due to fewer claims and lower traffic, according to Insurify data.
The table below shows average monthly car insurance quotes across Nebraska’s major cities.
Nebraska uses a point system to track violations, and a conviction can stay on your record for five years.[6] People in Nebraska with a clean driving record often get some of the lowest rates in the state.
Auto-Owners offers some of the cheapest auto insurance quotes in Nebraska, according to Insurify data. The table below shows the cheapest rates for drivers with good credit and a clean driving record in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $37 |
| National General | $50 |
| Progressive | $52 |
| American Family | $54 |
| USAA | $58 |
| GEICO | $62 |
| AssuranceAmerica | $64 |
| State Farm | $66 |
| Allstate | $66 |
| The General | $69 |
| Root | $72 |
| Safeco | $75 |
| Nationwide | $87 |
| Bristol West | $88 |
| Dairyland | $95 |
| Liberty Mutual | $100 |
| Liberty Mutual | $100 |
| Shelter | $106 |
| Farmers | $108 |
More than 4% of Nebraska drivers have a speeding ticket on their record, according to Insurify data. Depending on the severity of the offense, a single ticket in Nebraska can add up to four points to your driving record. Insurers weigh violations differently, leading to significant differences in rates after a ticket.
Auto-Owners currently offers the lowest rates for drivers with a speeding ticket. The table below highlights the auto insurers in Nebraska with the cheapest rates after a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $53 |
| Progressive | $68 |
| National General | $71 |
| American Family | $74 |
| USAA | $81 |
| GEICO | $86 |
| Allstate | $90 |
| State Farm | $90 |
| AssuranceAmerica | $95 |
| Safeco | $97 |
| Root | $100 |
| The General | $102 |
| Bristol West | $118 |
| Nationwide | $123 |
| Liberty Mutual | $126 |
| Liberty Mutual | $126 |
| Dairyland | $130 |
| Farmers | $150 |
| Shelter | $160 |
In Nebraska, you’re responsible for paying for the other party’s injuries and vehicle damage if you cause a crash. The state’s modified comparative negligence rule allows you to recover compensation if you’re less than 50% at fault, but your percentage of fault reduces your payout.[7]
About 5% of Nebraska drivers have an at-fault accident on their record, according to Insurify data. Auto-Owners typically offers some of the cheapest rates for these drivers.
The following rates are some of the cheapest in Nebraska if you have an at-fault accident on your record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $53 |
| Progressive | $70 |
| National General | $75 |
| American Family | $75 |
| USAA | $83 |
| GEICO | $85 |
| Allstate | $91 |
| State Farm | $93 |
| AssuranceAmerica | $98 |
| Root | $99 |
| Safeco | $102 |
| The General | $104 |
| Bristol West | $122 |
| Nationwide | $127 |
| Liberty Mutual | $130 |
| Liberty Mutual | $130 |
| Dairyland | $136 |
| Farmers | $155 |
| Shelter | $162 |
Just over 1% of Nebraskans have a DUI on their record, according to Insurify data. A DUI arrest can result in immediate license suspension, with the length depending on whether you failed or refused a chemical test.
You may be able to regain limited driving privileges by installing an ignition interlock device, but you’ll still face higher insurance rates. Auto-Owners offers the cheapest average rates for Nebraska drivers with a DUI.
Here are the cheapest insurers and average premiums for drivers with a DUI in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $55 |
| Progressive | $69 |
| American Family | $77 |
| National General | $77 |
| USAA | $85 |
| GEICO | $88 |
| Allstate | $93 |
| State Farm | $96 |
| The General | $99 |
| AssuranceAmerica | $101 |
| Root | $102 |
| Safeco | $106 |
| Bristol West | $126 |
| Nationwide | $129 |
| Liberty Mutual | $134 |
| Liberty Mutual | $134 |
| Dairyland | $141 |
| Farmers | $159 |
| Shelter | $164 |
Nebraska requires SR-22 insurance after certain offenses, including DUIs and driving without insurance. Auto-Owners offers some of the lowest rates for Nebraska drivers who need one.
Insurers can file SR-22 forms directly with the Department of Motor Vehicles. In most cases, you’ll likely need SR-22 coverage for three years.[8]
Below are the cheapest car insurance quotes for SR-22 insurance in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $48 |
| Progressive | $64 |
| American Family | $68 |
| National General | $68 |
| USAA | $75 |
| GEICO | $78 |
| Allstate | $82 |
| State Farm | $84 |
| Safeco | $88 |
| AssuranceAmerica | $89 |
| Root | $89 |
| The General | $91 |
| Bristol West | $111 |
| Nationwide | $113 |
| Liberty Mutual | $118 |
| Liberty Mutual | $118 |
| Dairyland | $124 |
| Farmers | $140 |
| Shelter | $144 |
Liability rates start at $51/mo. for high-risk drivers
Nebraska’s graduated driver licensing system allows teens to start driving as early as 14 with a school permit. Once you have a Provisional Operator Permit for at least one year, you can qualify for an unrestricted license.[9]
States have different age requirements, and adding a teen driver to your policy can significantly increase your auto insurance costs. Nebraska teens pay monthly averages of $135 for liability coverage and $269 for full coverage.
Here are the cheapest car insurance rates for teen drivers in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $86 |
| Progressive | $107 |
| American Family | $112 |
| National General | $118 |
| USAA | $121 |
| GEICO | $125 |
| Root | $137 |
| Allstate | $142 |
| The General | $142 |
| State Farm | $143 |
| Safeco | $156 |
| AssuranceAmerica | $161 |
| Bristol West | $173 |
| Liberty Mutual | $182 |
| Liberty Mutual | $182 |
| Dairyland | $190 |
| Nationwide | $193 |
| Farmers | $244 |
| Shelter | $251 |
Nebraska requires drivers to renew their license in person and pass a vision test starting at age 72. But you can still renew online. With decades of driving experience, people in this age group often qualify for some of the lowest car insurance rates in Nebraska.
Senior drivers in Nebraska pay an average of $55 per month for a liability policy. Take a look at the table below for the cheapest rates for Nebraska drivers in their 60s.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $31 |
| National General | $43 |
| Progressive | $44 |
| American Family | $44 |
| USAA | $49 |
| GEICO | $50 |
| State Farm | $54 |
| Allstate | $54 |
| AssuranceAmerica | $57 |
| Root | $60 |
| Safeco | $62 |
| The General | $62 |
| Nationwide | $70 |
| Bristol West | $75 |
| Liberty Mutual | $80 |
| Liberty Mutual | $80 |
| Shelter | $82 |
| Dairyland | $85 |
| Farmers | $90 |
Nebraska insurers can use credit history to help determine your rate. But under state law, insurers can’t base your premium solely on credit information. Companies can’t use factors like income when calculating your rate.
Even so, poor credit can lead to higher insurance rates. Nebraska drivers with bad credit can find the cheapest rates with Auto-Owners. The table below shows the cheapest car insurance quotes for drivers with bad credit in Nebraska.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $60 |
| Progressive | $66 |
| American Family | $67 |
| National General | $69 |
| USAA | $76 |
| GEICO | $80 |
| Allstate | $84 |
| Safeco | $90 |
| AssuranceAmerica | $91 |
| Root | $91 |
| The General | $93 |
| State Farm | $101 |
| Bristol West | $114 |
| Nationwide | $116 |
| Liberty Mutual | $117 |
| Liberty Mutual | $117 |
| Dairyland | $127 |
| Farmers | $143 |
| Shelter | $147 |
Liability quotes in Nebraska start at $42/mo.
Here are answers to some of the most common questions Nebraska drivers ask when shopping for car insurance.
Liability-only coverage in Nebraska averages about $67 per month, according to Insurify data. Drivers pay an average of $133 per month for full coverage. Your quote will vary based on your driving record, age, location, and credit.
Nebraska requires liability coverage of 25/50/25, which is $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Drivers must also carry UM/UIM coverage with limits of 25/50. Collision and comprehensive coverage are optional, but lenders typically require them if you finance or lease your vehicle.
Auto-Owners offers the cheapest car insurance in Nebraska, with liability rates of $40 per month, according to Insurify data. The lowest-priced insurer depends on your situation, so comparing quotes can help you find the best deal for your needs.
Drivers in Lincoln, Nebraska, pay an average of $96 per month for car insurance. If your quote is higher, shopping around and comparing quotes is the quickest way to help you find a lower rate.
No. Nebraska is an at-fault state, meaning the driver who causes an accident is responsible for paying for the other party’s injuries and property damage. You can recover damages only if you’re less than 50% at fault under the state’s modified comparative negligence rule.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
