Best & Cheapest Auto Insurance Quotes in Nebraska (2026)
Farmers Mutual of Nebraska has the cheapest car insurance in the state. Full coverage from Farmers Mutual costs $109 per month — $84 per month cheaper than the state average.
Find Cheap Car Insurance Quotes in Nebraska
Best cheap car insurance companies in Nebraska
Best and cheapest car insurance in Nebraska
- Cheapest full coverage: Farmers Mutual of Nebraska, $109/mo
- Cheapest minimum liability: Farmers Mutual of Nebraska, $26/mo
- Cheapest for young drivers: Farmers Mutual of Nebraska, $72/mo
- Cheapest after a ticket: Auto-Owners, $130/mo
- Cheapest after an accident: Farmers Mutual of Nebraska, $137/mo
- Cheapest for teens after a ticket: Farmers Mutual of Nebraska, $92/mo
- Cheapest after a DUI: Farmers Mutual of Nebraska, $215/mo
- Cheapest for poor credit: Farmers Mutual of Nebraska, $167/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Auto-Owners and USAA offer the best mix of cheap rates and reliable customer service for many people in Nebraska.
In most cases, Farmers Mutual of Nebraska has the most affordable rates. But its lack of customer service reviews means it's hard to know what the claims experience will be like if you're in a crash.
Cheapest car insurance in Nebraska: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest full coverage car insurance quotes in NE, at $109 per month.
Find Cheap Car Insurance Quotes in Nebraska
Full coverage from Farmers Mutual of Nebraska is 44% cheaper than the Nebraska state average. It's also $21 per month less than the second-cheapest company, Auto-Owners.
Best cheap car insurance quotes in Nebraska for full coverage
Company | Monthly rate | |
|---|---|---|
| Farmers Mutual of Nebraska | $109 |
| Auto-Owners | $130 |
| Geico | $161 |
| Progressive | $177 |
| State Farm | $177 |
*USAA is only available to current and former military members and their families.
Data-powered research on Nebraska car insurance
| Data-powered research on NE car insurance |
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Cheapest liability quotes in Nebraska: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest minimum liability car insurance in Nebraska, at $51 per month.
Nebraska drivers should also consider Auto-Owners and State Farm. Both companies are cheaper than average, and they have more reliable customer service than Farmers Mutual.
If you're in a crash, you'll be happy you spent a few extra dollars each month for a company with a great reputation.
Cheap Nebraska auto liability insurance quotes
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $26 |
| Geico | $31 |
| Progressive | $36 |
| Auto-Owners | $42 |
| State Farm | $45 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nebraska
Cheapest car insurance in NE for teens: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best car insurance quotes for young drivers.
A minimum liability policy from Farmers Mutual costs $72 per month for an 18-year-old driver. That's less than half the Nebraska average, and $16 per month less than the second-cheapest option, Geico.
Farmers Mutual also has the cheapest full coverage quotes for Nebraska teens. At $218 per month, full coverage from Farmers Mutual is less than half the Nebraska average of $521 per month.
Cheap Nebraska auto insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farmers Mutual of Nebraska | $72 | $218 |
| Geico | $88 | $410 |
| State Farm | $150 | $484 |
| Auto-Owners | $151 | $380 |
| Farm Bureau | $179 | $658 |
*USAA is only available to current and former military members and their families.
Young drivers in the military or in a military family can also get cheap coverage with USAA. Minimum coverage from USAA costs $85 per month, while full coverage costs $288 per month.
The cheapest way for young drivers in Nebraska to get insurance is by sharing a policy with their parents.
Nebraska teens pay two and a half times more for full coverage insurance than older drivers. That's because teens have less experience behind the wheel, so they're more likely to make a mistake and cause a crash.
Cheapest auto insurance in NE after a speeding ticket: Auto-Owners
Auto-Owners has the best cheap insurance in Nebraska for drivers with a speeding ticket. A full coverage policy from Auto-Owners costs $130 per month after one speeding ticket. That's $106 per month cheaper than the Nebraska average.
Farmers Mutual of Nebraska also offers cheap rates after a speeding ticket, at $131 per month. But Farmers Mutual's lack of customer service reviews makes Auto-Owners a better choice for most people.
Best Nebraska auto insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $130 |
| Farmers Mutual of Nebraska | $131 |
| State Farm | $189 |
| Geico | $198 |
| Progressive | $273 |
*USAA is only available to current and former military members and their families.
Drivers in Nebraska can expect their rates to increase by around 22% after a single speeding ticket. That's an average increase of $43 per month for full coverage.
Best rates in Nebraska after an accident: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest rates after an at-fault accident, at $137 per month for full coverage. That's less than half the Nebraska average after causing a crash.
Cheap auto insurance in Nebraska after a crash
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $137 |
| State Farm | $177 |
| Auto-Owners | $191 |
| Progressive | $313 |
| Geico | $327 |
*USAA is only available to current and former military members and their families.
Nebraska auto insurance rates go up by an average of 56% after one at-fault accident. However, don't rush to switch companies after a crash.
Your current company usually won't increase your rates until your policy renews. So you should wait until it's about to expire before switching.
Cheapest for teens with a ticket or accident: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the most affordable car insurance for teens with a speeding ticket or accident on their record.
Minimum coverage from Farmers Mutual costs $92 per month for an 18-year-old with one speeding ticket. That's less than half the statewide average of $198. It's also $28 per month less than the second-cheapest company, Geico.
Farmers Mutual charges just $101 per month for minimum liability coverage after an accident, which is $48 per month cheaper than Geico.
Best Nebraska car insurance rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farmers Mutual of Nebraska | $92 | $101 |
| Geico | $120 | $149 |
| State Farm | $166 | $150 |
| Auto-Owners | $167 | $222 |
| Progressive | $220 | $239 |
*USAA is only available to current and former military members and their families.
Nebraska teens can expect their car insurance rates to go up by 18% after a speeding ticket and 43% after an accident. That's because insurance companies see them as high-risk drivers who are more likely to cause an accident in the future.
Cheapest car insurance in Nebraska after a DUI: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest full coverage rates for drivers with a DUI. At $215 per month, Farmers Mutual is $142 per month cheaper than the Nebraska average.
Most affordable Nebraska car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $215 |
| Progressive | $227 |
| Auto-Owners | $243 |
| Allstate | $329 |
| State Farm | $341 |
*USAA is only available to current and former military members and their families.
Car insurance companies in Nebraska raise full coverage rates by around 85% after a DUI. That's an average increase of $164 per month.
In addition, drivers with a DUI may need to get SR-22 insurance in Nebraska. An SR-22 filing typically costs between $15 and $50.
Best quotes in NE for drivers with poor credit: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska offers the most affordable rates for Nebraska drivers with poor credit. At $167 per month, full coverage from Farmers Mutual is less than half the Nebraska average of $395 per month. It's also $52 per month less than the second-cheapest company, Geico.
Cheapest Nebraska insurance for drivers with a bad credit score
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $167 |
| Geico | $219 |
| Progressive | $287 |
| Auto-Owners | $385 |
| Allstate | $387 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit in Nebraska pay twice as much for full coverage as drivers with good credit.
Your credit score doesn't have anything to do with your ability to drive safely.
But credit scores have a big impact on auto insurance rates in Nebraska. That's because car insurance companies believe drivers with bad credit are more likely to make a claim in the future.
Best car insurance in Nebraska
State Farm has the best auto insurance in Nebraska, based on its exceptional customer service, low rates and wide availability.
USAA is also an excellent choice for Nebraska drivers. However, only military members, veterans and their families can get auto insurance from USAA.
Best Nebraska auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Nationwide | 645 | A | |
| Auto-Owners | 638 | A+ |
Average car insurance rates in Nebraska by city
York, a small town west of Lincoln, has the cheapest car insurance in the state of Nebraska.
People living in York pay an average of $177 per month for full coverage.
Palisade, a small city in southwest Nebraska, has the most expensive full coverage quotes, at $222 per month.
Full coverage Nebraska car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abie | $185 | -4% |
| Albion | $193 | 0% |
| Alda | $184 | -5% |
| Alexandria | $185 | -4% |
| Allen | $185 | -4% |
Full coverage quotes in Nebraska vary by up to $46 per month between cities. Car insurance typically costs more if you live in an area with more car accidents and auto theft.
Nebraska state minimum auto insurance requirements
In Nebraska, you need a car insurance policy with bodily injury liability coverage, uninsured motorist protection and property damage coverage. Nebraska's minimum liability limits are sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
If you don't want to get an insurance policy, there are a few other ways to meet Nebraska's financial responsibility requirements. However, the alternatives are typically expensive.
For example, you can deposit $75,000 with the State Treasurer. That money will be used to pay for any damage or injuries after an accident you cause.
What's the best car insurance coverage for NE drivers?
Full coverage is the best option for most people.
It provides more protection in a crash and helps cover the cost if your car is damaged or stolen because it includes collision and comprehensive insurance. These coverages pay for damage to your own car.
Full coverage also can also include more liability protection than the state minimum. The extra liability protection can help you avoid a big bill if you cause a major accident.
Lenders typically require you to buy full coverage if you have a car loan or lease. Full coverage is also usually worth it if your car is worth more than $5,000 or is newer than 8 years old.
A minimum liability car insurance policy in Nebraska will have the cheapest rates, but the limits may not be high enough to cover the cost of a serious accident.
For example, minimum coverage will only pay $25,000 to replace another driver's car if you cause a crash. That may not be enough if it's an expensive or brand-new car.
Minimum coverage will also leave you without protection for any damage to your car if you cause a crash. For those reasons, most drivers in Nebraska should consider getting full coverage car insurance instead.
Frequently asked questions
How much is car insurance in Nebraska?
The average cost of full coverage car insurance in Nebraska is $193 per month. Minimum coverage costs an average of $51 per month.
What is the cheapest car insurance in Nebraska?
In 2026, Farmers Mutual of Nebraska has the cheapest quotes in the state, at $26 per month for minimum liability coverage. That's nearly half the Nebraska average. Farmers Mutual also has the cheapest rates in Nebraska for full coverage, at $109 per month.
Is car insurance cheaper in Nebraska?
Full coverage car insurance in Nebraska is 7% cheaper than the national average of $208 per month. Minimum coverage rates in Nebraska are 32% lower than average. That makes it the 10th-cheapest state for minimum coverage.
Car insurance is typically cheaper in Nebraska because it has very few car thefts and low population density, which means accidents are less likely.
What car insurance is required in Nebraska?
In Nebraska, you need at least $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with matching uninsured motorist limits. Nebraska drivers also need $25,000 of property damage coverage.
How much is auto insurance in Lincoln, NE?
Full coverage car insurance in Lincoln costs $183 per month, which is 5% cheaper than the Nebraska state average. In comparison, car insurance in Omaha, the largest city in Nebraska, costs $211 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Nebraska for the largest auto insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage, as well as more liability coverage than the state requires.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
