Compare Car Insurance Rates in Nebraska

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Cheap Car Insurance Nebraska: Full and Minimum Coverage

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  • The average cost of car insurance in Nebraska is $39 per month for a minimum-coverage policy and $157 per month for full-coverage one.
  • Auto-Owners Insurance offers the lowest average prices in Nebraska for both minimum and full coverage. 
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Nebraska car insurance.

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Auto-Owners Insurance provides the cheapest car insurance in Nebraska, with an average cost of $22 per month for minimum coverage. You can also find cheap coverage at Farmers Mutual of Nebraska.

Our reviews team have looked at the customer reviews, coverage options, industry reputations, and average premiums of 43 different companies. This article will cover the companies where you can find the best car insurance in Nebraska.

Best Car Insurance Rates in Nebraska

As a Nebraska driver, you can often get the cheapest auto insurance from Auto-Owners Insurance, followed closely by Farmers Mutual of Nebraska, and USAA. Below, you’ll find average car insurance premiums for several different driving profiles. Here’s a quick look at some of them:

  • Cheapest full coverage:  Auto-Owners Insurance, followed by USAA
  • Cheapest minimum coverage: Auto-Owners Insurance followed by Farmers Mutual of Nebraska
  • Cheapest for teen drivers: Farmers Mutual of Nebraska followed by North Star Mutual
  • Cheapest for drivers with a traffic violation: Farmers Mutual of Nebraska followed by Auto-Owners Insurance

While these companies are the cheapest on average, the cost data we received from Quadrant Information Services are for specific driving profiles. Your rates could vary significantly from the costs shown in the tables below.

Companies look at many different aspects of your background to determine your rates, so you should get personal quotes from multiple providers before making a decision on a company. 

Our Research Tactics

To find the cheapest coverage options for Vermont drivers, our research team took a deep dive into the cost data provided by Quadrant Information Services. The average car insurance premiums you’ll see below are for different driver profiles, coverage types, and cities in the Cornhusker State.

There are five key things we look at to determine a company’s overall rating out of 5.0 points:

  • Industry standing
  • Availability 
  • Coverage options
  • Customer experience
  • Affordability

Cheapest Car Insurance Companies in Nebraska

After much research, we’ve compiled what we believe as the best and cheapest car insurance companies in Nebraska into the table below. State Farm made the top of our list for the best company because of its customer satisfaction ratings, industry reputation, and coverage options. 

However, State Farm is not the cheapest company in Nebraska. Auto-Owners Insurance and USAA provide the cheapest rates across many different driving profiles.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$36$15612
Auto-Owners Insurance4.3$22$11712

Cheapest Car Insurance Coverage in Nebraska

The most surefire way to get the cheapest car insurance in Nebraska is to opt for the minimum-coverage car insurance on your policy. This will be the least amount of car insurance you’re allowed to have to legally drive. 

The State of Nebraska requires its drivers to get liability insurance and underinsured/uninsured motorist coverage. Liability insurance will protect other drivers and parties involved in an accident you cause, but will not protect the injuries of you or your passengers, and it won’t cover your vehicle repairs and property damages.

Most car insurance companies will recommend getting a full-coverage auto insurance policy, which will cost significantly more, but will protect you, your passengers, and your car after a car accident.

Cheapest Minimum-Liability Car Insurance in Nebraska

Auto-Owners Insurance provides the cheapest minimum-coverage car insurance in Nebraska, with an average premium of $22 per month and $270 per year. To put this into better perspective, the state average for getting minimum coverage in Nebraska is $39 per month or $470 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
Auto-Owners Insurance$22-$270-
Farmers Mutual of Nebraska$23-$279-
North Star Mutual$27-$328-
Iowa Farm Bureau$35-$424-
State Farm$36-$434-

*Based on the profile of a 35-year-old married driver with good credit and a violation-free driving history.

Cheapest Full-Coverage Car Insurance in Nebraska

Auto-Owners Insurance shows the cheapest average premiums for full-coverage insurance at $117 per month or $1,409 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
Auto-Owners Insurance$117$1,409
Farmers Mutual of Nebraska$140$1,674
Iowa Farm Bureau$149$1,784
State Farm$156$1,877
North Star Mutual$166$1,997

*Based on the profile of a 35-year-old married driver with good credit and a violation-free driving history.

Nebraska Car Insurance Quotes by Driver Profile

Auto insurance companies in Nebraska will use many different factors to determine your rate, which is why it’s important to get your own quotes from several providers. 

car insurance cost factors

The biggest things car insurance companies in Nebraska will use to set your premium are your:

  • Age
  • Gender
  • Marital status
  • ZIP code
  • Claims history
  • Accident history
  • Driving record
  • Credit score
  • Vehicle’s age, make, and model

Cheapest Car Insurance in Nebraska: Age

Young drivers (teen drivers especially) typically get the highest rates based on age alone. This is because they’re statistically more likely to practice unsafe driving behaviors on the road, and they have less experience behind the wheel. Nebraska shows some relatively cheap rates for teen drivers when compared to the rest of the nation, however.

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Nebraska: High-Risk Drivers

Aside from age, your driving history can be a determinant in whether you’re considered a high-risk driver or not. This can happen if you cause a car accident, get a DUI, or just get a speeding ticket. 

Below, you can see the difference in cost between drivers who have squeaky-clean driving records and those who don’t. Overall, Farmers Mutual of Nebraska shows the best rates for high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
Farmers Mutual of Nebraska$23$33
Auto-Owners Insurance$22$37
State Farm$36$41
Iowa Farm Bureau$35$47
North Star Mutual$27$50

Car Insurance Rates in Nebraska: Speeding Ticket

If you’ve gotten multiple speeding tickets in the last few years, you could find the cheapest car insurance with Farmers Mutual of Nebraska. This company shows an average of $23 per month or $279 per year for speeding tickets drivers. North Star Mutual also offers extremely competitive rates, at averages of $32 per month.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
Farmers Mutual of Nebraska$25$304
North Star Mutual$32$378
Auto-Owners Insurance$34$407
State Farm$40$479
Iowa Farm Bureau$45$537

Car Insurance Rates in Nebraska: At-Fault Accident

If you cause an accident, you definitely expect your rates to go up. Nebraska drivers that have any recent at-fault accidents in the last three years may find the most affordable premiums with Auto-Owners Insurance. The average rolls out to $25 per month or $302 per year.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Auto-Owners Insurance$25$302
Farmers Mutual of Nebraska$28$339
North Star Mutual$35$421
State Farm$44$525
Iowa Farm Bureau$56$668

Car Insurance Rates in Nebraska: DUI

If you’ve been caught driving under the influence (DUI), you’ll be considered a very high risk by insurers. State Farm is your best bet for finding the cheapest car insurance, with an average of $40 per month. You can also find relatively fair coverage with Progressive, at the same amount per month.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$40$479
Iowa Farm Bureau$40$481
Farmers Mutual of Nebraska$46$554
Auto-Owners Insurance$52$629
North Star Mutual$82$986

Average Cost of Car Insurance in Nebraska

The average cost of Nebraska auto insurance comes out to $470 per year or $39 per month for minimum-liability insurance and $1,888 per year and $157 per month for full coverage. These rates are about 25% lower than the national average for minimum coverage but 1% lower than the national rate for full coverage.

Average Car Insurance Cost in Nebraska by City

Your car insurance rate can be determined by your ZIP code. This is usually because larger populations mean more cars on the road and higher chances of car theft. If you live in an urban area with more car crashes, traffic, car-related crimes, and severe weather, you’re going to be riskier to insure, so your rates will be higher.

The table below shows the average rights for the top 20 most populous cities and towns in Nebraska.

Cities in NebraskaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Grand Island$33$151
North Platte$31$174
South Sioux City$42$167
La Vista$43$149
Nebraska City$33$151

Nebraska Minimum Car Insurance Coverage

According to Nebraska law, all drivers must either meet or exceed the following minimum requirements for coverage:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

The penalties for not carrying proof of financial responsibility and meeting the state-minimum insurance requirements for car insurance are fines and license suspension.

You may only need liability coverage and uninsured/underinsured motorist coverage to legally drive on the roads, but we recommend adding on certain insurance types to make up a full-coverage policy:

  • Comprehensive coverage: Covers your car’s damages from theft, vandalism, floods, fire, and other natural disasters and environmental impacts.
  • Collision coverage: Covers your vehicle’s damages from car accidents and other collisions.
  • PIP insurance: Covers your medical bills and lost wages from accident-related injuries.

Cheap Car Insurance in Nebraska: Conclusion

Auto-Owners Insurance is your best bet for finding the cheapest Nebraska auto insurance, at an average rate of $22 per month. However, you should still compare auto insurance quotes from at least three different companies to find out your exact rates.

Full-coverage car insurance policies may be more expensive, but they can help save you from having to make some serious out-of-pocket costs upfront if you ever get into a wreck. The best full-coverage rate we found also comes from Auto-Owners Insurance, at $117 per month.

Best Car Insurance in Nebraska: Recommended Providers

Some companies are cheaper in terms of annual premiums, but other companies have better quality coverage and more savings opportunities. After thorough reviews of different companies, we recommend State Farm and Auto-Owners Insurance.

State Farm: 4.7 out of 5.0

State Farm doesn’t show the cheapest rates in Nebraska, but the company does promote many savings opportunities, including two usage-based insurance programs that reward policyholders for safe driving. State Farm also has a stellar reputation for customer satisfaction, as evidenced by its top ranking performance in several J.D. Power consumer studies.

Read more: State Farm insurance reviews

Auto-Owners Insurance: 4.3 out of 5.0

In addition to providing the cheapest car insurance in Nebraska, Auto-Owners Insurance offers the six standard types of auto coverage. It also features some add-ons that policyholders can benefit from, such as loan/lease gap coverage, additional expense coverage, and diminishing value coverage. Drivers can take advantage of the 12 different discounts, as well.

Cheapest Auto Insurance in Nebraska: FAQ

Which company gives the cheapest car insurance?

In Nebraska, the cheapest car insurance typically comes from Auto-Owners Insurance, with an average minimum-coverage premium of $22 per month.

How much is car insurance per month in Nebraska?

The average cost of car insurance per month in Nebraska is $39 for a minimum-coverage auto insurance policy and $157 for full coverage. Our team found rates in Nebraska as low as $22 per month for minimum coverage and $117 for a full-coverage policy.

How to reduce car insurance in Nebraska?

To reduce car insurance rates in Vermont, you can do all of these things:

1. Opt for lower amounts of coverage.
2. Increase your deductible.
3. Look for special discounts at your company.
4. Bundle your auto insurance with other policies, like homeowners or renters insurance.

How much is car insurance on average in Nebraska?

Car insurance in Nebraska averages out to $470 per year or $39 per month for minimum coverage and $1,888 per year or $157 per month for full-coverage policies.

Is it illegal to drive without insurance in Nebraska?

Yes, it’s illegal to drive without insurance in Nebraska. If you’re caught driving without proof of insurance in Nebraska, your driver’s license could be suspended or completely revoked.

Is it cheaper to pay car insurance every six months or monthly?

It’s cheaper to pay car insurance every six months instead of monthly. This is because many car insurance companies will offer a ‘pay-in-full’ discount for policyholders that pay all their money up front. However, not all auto insurance companies offer this discount.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.