Best Cheap Auto Insurance Quotes in Nebraska (2022)

Best Cheap Auto Insurance Quotes in Nebraska (2022)

Farm Bureau had the best cheap car insurance in Nebraska, at $336 per year, or $28 per month, for minimum liability quotes.

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Cheapest auto insurance quotes in Nebraska: Farm Bureau

Farm Bureau is the cheapest car insurance company for a minimum liability policy, at $336 per year. Farm Bureau's quotes are 39% cheaper than the average cost of minimum liability coverage in Nebraska.

The average cost of car insurance in Nebraska is $552 per year, or $46 per month, for a minimum liability policy.

Cheapest car insurance companies in Nebraska

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Company
Annual rate
Monthly rate
Farm Bureau$336$28
American Family$441$37
State Farm$443$37
Nationwide$580$48
Progressive$585$49
Allstate$605$50
Farmers$1,064$89
USAA$358$30

USAA is only available to current and former military members and their families.

A minimum liability car insurance policy in Nebraska will have the cheapest rates, but it will also leave you without coverage for any damage to your car if you are at fault in an accident. You may also have to pay if the other driver's injuries or property damage exceeds the minimum coverage limit.

Cheapest full-coverage car insurance in Nebraska: Nationwide

The cheapest Nebraska insurer for a full-coverage policy is Nationwide, followed closely by State Farm and Farm Bureau.

These top companies all offer quotes under $1,600 per year, cheaper than the average annual cost of a full-coverage policy in Nebraska, which is $1,739.

Company
Annual rate
Monthly rate
Nationwide$1,514$126
State Farm$1,534$128
Farm Bureau$1,559$130
American Family$1,609$134
Progressive$1,819$152
Allstate$2,150$179
Farmers$2,510$209
USAA$1,218$102

USAA is only available to current and former military members and their families.

Auto insurance policies with full coverage include liability protection, as well as comprehensive and collision coverage. Together, collision and comprehensive insurance reimburse you for damage to your car on the road, as well as situations like vandalism or theft. Buying full coverage is required if you have a car loan or lease, and it's also worth it if your car is valuable enough that you wouldn't be able to cover repairs out of pocket after an at-fault accident.

Cheapest car insurance for drivers with prior incidents

The average cost of car insurance in Nebraska typically increases if you've received a citation for a traffic violation or DUI (driving under the influence), or if you've been in an at-fault accident. With this in mind, we've gathered the cheapest full-coverage car insurance for drivers after those incidents.

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Cheapest car insurance for drivers with a speeding ticket: American Family

Nebraska drivers who have been caught speeding could find their cheapest car insurance with American Family, which didn't raise our driver's rates at all after one ticket. Drivers with a speeding ticket in the state see their rates increase by an average of 21% — a significant spike, but not as sharp as the rate increase after an at-fault accident.

Company
Annual rate
Monthly rate
American Family$1,609$134
State Farm$1,638$137
Farm Bureau$1,770$148
Progressive$2,253$188
Nationwide$2,268$189
Allstate$2,351$196
Farmers$3,420$285
USAA$1,516$126

USAA is only available to current and former military members and their families.

Compared to the average cost for people with a speeding ticket, American Family's rates are about 23% cheaper. This difference shows why drivers should always compare rates after their driving record changes.

Cheapest quotes for drivers after an accident: State Farm

State Farm offers the cheapest rates for drivers with an at-fault accident. The company raises rates to $1,741 per year, on average. That's still $675 less than the typical price statewide, $2,416.

Company
Annual rate
Monthly rate
State Farm$1,741$145
American Family$1,883$157
Farm Bureau$2,466$206
Progressive$2,619$218
Nationwide$2,635$220
Allstate$2,783$232
Farmers$3,464$289
USAA$1,735$145

USAA is only available to current and former military members and their families.

Some Nebraska insurers, such as Farmers, increase annual rates by nearly $1,000 after an at-fault accident. The different degrees to which insurers penalize a driver for an at-fault accident demonstrate the value of shopping around when your driving record changes.

Cheapest DUI quotes in Nebraska: American Family

The cheapest rates for Nebraska drivers with a DUI on their record come from American Family, where annual premiums are 36% more affordable than average. If you get caught driving under the influence on Nebraska roads, your premium will increase by an average of 45%, according to our research.

Company
Annual rate
Monthly rate
American Family$1,609$134
Farm Bureau$1,770$148
Progressive$1,977$165
Allstate$2,765$230
State Farm$3,110$259
Nationwide$3,111$259
Farmers$3,328$277
USAA$2,513$209

USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Nationwide

Nationwide offers the most affordable rates to Nebraska drivers with poor credit. At $2,074 annually, its rates are 31% cheaper than average.

Company
Annual rate
Monthly rate
Nationwide$2,074$173
American Family$2,508$209
Farm Bureau$2,743$229
Allstate$3,088$257
Progressive$3,126$261
Farmers$3,536$295
State Farm$5,239$437
USAA$1,864$155

USAA is only available to current and former military members and their families.

Credit scores have a significant impact on auto insurance rates in Nebraska. After comparing average profiles to poor-credit ones in Nebraska, we found that drivers with poor credit pay 74% more than drivers with average credit.

Cheapest car insurance quotes for married drivers: Nationwide

Nationwide has the lowest quotes on average for married drivers, at $1,378 per year. It's followed by Progressive, which offers full coverage for less than $1,500 per year.

Married drivers tend to pay slightly less for car insurance because they file fewer car insurance claims than single drivers. Our research found that married Nebraska drivers pay about $136 less per year than single drivers.

Company
Annual rate
Monthly rate
Nationwide$1,378$115
Progressive$1,425$119
Farm Bureau$1,513$126
State Farm$1,534$128
American Family$1,609$134
Allstate$2,054$171
Farmers$2,252$188
USAA$1,063$89

USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Farm Bureau

Farm Bureau has the cheapest full-coverage quotes for young drivers in Nebraska, charging $1,156 annually for liability-only coverage, and $3,461 for full coverage.

18-year-old drivers in Nebraska pay more than double what older drivers do. Our analysis found that the average cost of full coverage for young drivers is $4,624, 166% more than a 30-year-old driver typically pays.

Young drivers in the military or in a military family can snag even cheaper annual rates with USAA, with rates averaging $899 for minimum coverage.

Company
Liability only
Full coverage
Farm Bureau$1,156$3,461
Allstate$1,369$3,578
American Family$1,372$3,806
State Farm$1,464$4,194
Nationwide$2,156$5,747
Progressive$2,228$6,041
Farmers$3,761$7,430
USAA$899$2,735

USAA is only available to current and former military members and their families.

Cheapest quotes for teen drivers with a speeding ticket: Farm Bureau

Farm Bureau is your best bet for affordable coverage if you're a young Nebraskan driver with a citation for driving too fast on the roads. Young drivers who have one speeding ticket pay 35% less than average with Farm Bureau, compared to the state average.

Company
Annual rate
Monthly rate
Farm Bureau$1,312$109
American Family$1,372$114
Allstate$1,557$130
State Farm$1,624$135
Progressive$2,287$191
Nationwide$2,318$193
Farmers$4,674$390
USAA$1,029$86

USAA is only available to current and former military members and their families.

Cheapest rates for young drivers after an accident: American Family

American Family is the cheapest option for young Nebraska drivers who have been in an at-fault accident. AmFam's typical rate of $1,646 is $397 cheaper than average.

Accidents typically cause the cost of car insurance to increase significantly, which means rates for younger drivers increase by about 22% on average.

Company
Annual rate
Monthly rate
American Family$1,646$137
Allstate$1,715$143
State Farm$1,783$149
Farm Bureau$1,830$153
Nationwide$2,372$198
Progressive$2,514$210
Farmers$4,671$389
USAA$1,049$87

USAA is only available to current and former military members and their families.

Best auto insurance companies in Nebraska

USAA is the best insurance company in Nebraska, based on our editor's rating, which considers customer service, affordable rates and coverage options.

However, if you're not eligible for USAA insurance, State Farm and Farm Bureau are great companies as well. These companies both received high marks from policyholders and our editors.

Company
Editor's rating
JD Power
AM Best
State Farm
847A++
Farm Bureau
NRA
American Family
839A
Farmers
848A
Nationwide
798A+
Progressive
837A+
Allstate
826A+
USAA
897A++

Average car insurance quotes in Nebraska by city

While the average rate for full coverage in Nebraska is $1,739 per year, the reality is that your rates will vary depending on where you live in the state.

Drivers in Bradshaw pay the least, with average annual quotes of $1,591, while drivers in Palisade pay the most, with average annual rates of $1,915.

As a general rule, car insurance costs more in large cities, where accidents and auto theft tend to happen more frequently.

City
Average annual cost
Percent from average
Abie$1,656-5%
Albion$1,695-3%
Alda$1,636-6%
Alexandria$1,698-2%
Allen$1,683-3%
Show All Rows

Minimum requirements for auto insurance coverage in Nebraska

In Nebraska, drivers need to carry a certain amount of liability insurance to register and legally drive their car. Limits in the Cornhusker State are higher than in some other states, but do not include any coverage outside of liability. Coverage requirements are as follows:

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

Recap of cheapest Nebraska insurers

  • Minimum coverage: Farm Bureau
  • Full coverage: Nationwide
  • After a speeding ticket: American Family
  • After an at-fault accident: State Farm
  • After a DUI: American Family
  • Poor credit history: Nationwide
  • Married drivers: Nationwide
  • Young drivers: Farm Bureau
  • Young drivers after a ticket: Farm Bureau
  • Young drivers after an accident: American Family

Frequently asked questions

How much is car insurance in Nebraska?

Minimum-coverage car insurance costs $46 per month or $552 per year in Nebraska, on average. A full-coverage policy costs $145 per month or $1,739 per year.

What is the penalty for driving without insurance in Nebraska?

Driving without insurance in Nebraska is a Class II misdemeanor. If you're caught without insurance during a traffic stop, your license and registration will be immediately suspended until you provide proof of insurance.

If you're able to provide proof of insurance within 10 days, you'll avoid additional penalties. However, after those 10 days, you'll be charged reinstatement fees for both your license and vehicle registration, which cost $50 each, along with a fee to renew your license plates. You will also be required to maintain SR-22 insurance for three years.

How much does car insurance cost in Lincoln, Nebraska?

Drivers in Lincoln, Nebraska, can expect to pay $139 per month or $1,662 per year for a full-coverage policy, which is 4% less than the state average.

Methodology

We collected thousands of rates from ZIP codes across Nebraska for the largest insurers in the state. We used a sample driver with the following profile:

  • 30-year-old male
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we quoted a policy with the minimum required limits in Nebraska.

For other rates analyses (credit score, accident history and marital status), the base policy listed above was adjusted to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.