Best & Cheapest Auto Insurance Quotes in Nebraska (2026)
Farmers Mutual of Nebraska has the cheapest car insurance in NE, at $109/mo for full coverage.
Find Cheap Car Insurance Quotes in Nebraska
Best cheap car insurance in NE
Farmers Mutual of Nebraska (FMNE) and Auto-Owners are typically the cheapest companies in Nebraska.
- Want full coverage? FMNE: $109/mo
- Only need minimum coverage? FMNE: $26/mo
- Want the best service? Auto-Owners: $130/mo
- Have a speeding ticket? Auto-Owners: $130/mo
- Caused an accident? FMNE: $137/mo
- Need coverage for a teen? FMNE: $72/mo
- Got a DUI? FMNE: $215/mo
- Have poor credit? FMNE: $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.
Cheapest car insurance in Nebraska: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska (FMNE) has the cheapest full coverage car insurance quotes in the state.
- Farmers Mutual of Nebraska charges an average of $109 per month for full coverage, which is 44% cheaper than the Nebraska state average. It's also $21 per month less than the second-cheapest company, Auto-Owners.
- Auto-Owners may be a better choice if you prefer a company with a proven track record of great customer service. At $130 per month, full coverage from Auto-Owners costs 33% less than the Nebraska average.
- USAA also has very affordable rates in Nebraska, at $126 per month. However, only drivers with military ties can get insurance from USAA.
Find Cheap Car Insurance Quotes in Nebraska
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 |
| USAA* | $126 |
*USAA is only available to current and former military members and their families.
Data-powered research on Nebraska car insurance
Cheapest liability quotes in Nebraska: Farmers Mutual of Nebraska
- Farmers Mutual of Nebraska has the cheapest minimum liability car insurance in Nebraska, at an average of $26 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 probably be happy you spent a few extra dollars each month if they get you back on the road faster.
Cheap Nebraska auto liability insurance quotes
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $26 |
| Geico | $31 |
| Progressive | $36 |
| Auto-Owners | $42 |
| USAA* | $33 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nebraska
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.
- Drivers in Omaha, the largest city in Nebraska, pay an average of $211 per month for full coverage insurance. That's 9% more than the state average. In comparison, people living in Lincoln pay around $183 per month for the same coverage.
Cheapest full coverage Nebraska car insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Omaha | $211 | Farmers Mutual of Nebraska | $119 |
| Lincoln | $183 | Geico | $111 |
| Bellevue | $193 | Farmers Mutual of Nebraska | $113 |
| Grand Island | $185 | Farmers Mutual of Nebraska | $108 |
| Kearney | $180 | Farmers Mutual of Nebraska | $111 |
| Fremont | $182 | Farmers Mutual of Nebraska | $108 |
| Norfolk | $185 | Farmers Mutual of Nebraska | $107 |
| Hastings | $182 | Farmers Mutual of Nebraska | $107 |
| Columbus | $182 | Farmers Mutual of Nebraska | $115 |
| Papillion | $188 | Farmers Mutual of Nebraska | $114 |
| North Platte | $204 | Farmers Mutual of Nebraska | $111 |
| Abie | $185 | Farmers Mutual of Nebraska | $115 |
| Albion | $193 | Farmers Mutual of Nebraska | $107 |
| Alda | $184 | Farmers Mutual of Nebraska | $106 |
| Alexandria | $185 | Farmers Mutual of Nebraska | $108 |
| Allen | $185 | Farmers Mutual of Nebraska | $106 |
| Alliance | $203 | Farmers Mutual of Nebraska | $113 |
| Alvo | $193 | Farmers Mutual of Nebraska | $113 |
| Amelia | $198 | Farmers Mutual of Nebraska | $104 |
| Ames | $190 | Farmers Mutual of Nebraska | $111 |
| Amherst | $186 | Farmers Mutual of Nebraska | $116 |
| Angora | $207 | Farmers Mutual of Nebraska | $106 |
| Anselmo | $206 | Farmers Mutual of Nebraska | $104 |
| Ansley | $210 | Farmers Mutual of Nebraska | $104 |
| Arapahoe | $198 | Farmers Mutual of Nebraska | $104 |
| Arcadia | $206 | Farmers Mutual of Nebraska | $104 |
| Archer | $184 | Farmers Mutual of Nebraska | $107 |
| Arlington | $192 | Farmers Mutual of Nebraska | $107 |
| Ashby | $208 | Farmers Mutual of Nebraska | $104 |
| Ashland | $199 | Auto-Owners | $124 |
| Ashton | $203 | Farmers Mutual of Nebraska | $107 |
| Atkinson | $201 | Farmers Mutual of Nebraska | $104 |
| Atlanta | $186 | Farmers Mutual of Nebraska | $113 |
| Auburn | $186 | Farmers Mutual of Nebraska | $107 |
| Aurora | $179 | Farmers Mutual of Nebraska | $108 |
| Axtell | $181 | Farmers Mutual of Nebraska | $107 |
| Ayr | $184 | Farmers Mutual of Nebraska | $106 |
| Barneston | $195 | Farmers Mutual of Nebraska | $106 |
| Bartlett | $203 | Farmers Mutual of Nebraska | $106 |
| Bartley | $218 | Farmers Mutual of Nebraska | $104 |
| Bassett | $206 | Farmers Mutual of Nebraska | $104 |
| Battle Creek | $187 | Farmers Mutual of Nebraska | $107 |
| Bayard | $210 | Farmers Mutual of Nebraska | $115 |
| Beatrice | $192 | Farmers Mutual of Nebraska | $106 |
| Beaver Crossing | $186 | Farmers Mutual of Nebraska | $108 |
| Bee | $188 | Farmers Mutual of Nebraska | $107 |
| Beemer | $187 | Farmers Mutual of Nebraska | $104 |
| Belden | $189 | Farmers Mutual of Nebraska | $107 |
| Belgrade | $194 | Farmers Mutual of Nebraska | $105 |
| Bellwood | $183 | Farmers Mutual of Nebraska | $113 |
| Belvidere | $185 | Farmers Mutual of Nebraska | $107 |
| Benedict | $181 | Farmers Mutual of Nebraska | $107 |
Best car insurance in Nebraska: Auto-Owners
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Full coverage rate$130/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA+An A+ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the second-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Nebraska based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Nebraska
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest auto insurance in Nebraska 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 an average of $130 per month after one speeding ticket. That's $106 per month cheaper than the overall Nebraska state average.
- Farmers Mutual of Nebraska also offers cheap rates after a speeding ticket, at $131 per month. But Farmers Mutual customer service reviews aren't typically as good as Auto-Owners.
Best Nebraska auto insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $130 |
| Farmers Mutual of Nebraska | $131 |
| State Farm | $189 |
| Geico | $198 |
| USAA* | $157 |
*USAA is only available to current and former military members and their families.
Drivers in Nebraska could see their rates 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 |
| USAA* | $179 |
*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 car insurance in NE for teens: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best car insurance quotes for young drivers.
- Minimum coverage: A minimum liability policy from Farmers Mutual costs $72 per month, on average, 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.
- Full coverage: 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.
- Military ties: 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.
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 |
| USAA* | $85 | $288 |
*USAA is only available to current and former military members and their families.
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 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.
- Speeding ticket: Minimum coverage from Farmers Mutual costs an average of $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.
- Accident: 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 with a bad record
Company | Ticket | Accident |
|---|---|---|
| Farmers Mutual of Nebraska | $92 | $101 |
| Geico | $120 | $149 |
| State Farm | $166 | $150 |
| Auto-Owners | $167 | $222 |
| USAA* | $136 | $150 |
*USAA is only available to current and former military members and their families.
Nebraska teens could see their car insurance rates 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 an average of $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 |
| USAA* | $261 |
*USAA is only available to current and former military members and their families.
Car insurance companies in Nebraska raise full coverage rates by an average of 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, on average, 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 bad credit
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $167 |
| Geico | $219 |
| Progressive | $287 |
| Auto-Owners | $385 |
| USAA* | $216 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit in Nebraska can 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.
Is your car insurance company raising rates in Nebraska in 2026?
Only a few major companies, including Allstate and Farmers, have had meaningful rate increases in Nebraska in 2026. However, a handful of companies have lowered their rates across the state.
- ↑ Biggest increase: Allstate at +4.1%
- ↓ Biggest decrease: Farm Bureau at -8.0%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Farm Bureau | ↓ 8.0% | ↑ 62.8% |
| State Farm | ↓ 5.2% | ↑ 24.9% |
| Progressive | ↓ 4.9% | ↑ 13.8% |
| American Family | ↓ 2.5% | ↑ 52.6% |
| Geico | ↓ 1.1% | ↑ 38.7% |
| Auto-Owners | ↓ 0.5% | ↑ 55.7% |
| USAA | 0.0% | ↑ 26.1% |
| Travelers | 0.0% | ↑ 48.3% |
| Farmers Mutual of Nebraska | 0.0% | ↑ 56.2% |
| Nationwide | 0.0% | ↑ 59.8% |
| Liberty Mutual | ↑ 0.3% | ↑ 27.4% |
| Farmers | ↑ 2.6% | ↑ 71.2% |
| Allstate | ↑ 4.1% | ↑ 65.4% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
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.
Law enforcement officers can request proof of financial responsibility at routine traffic stops. If you cannot provide an acceptable form of proof, the police will serve you with a citation for the immediate suspension of your license and registration.
If you had an active insurance policy at the time of the stop, you can show proof to the court within 10 days of receiving the ticket. If you succeed in presenting proof of insurance within that grace period, your citation will be dismissed, and your license and registration will be reinstated at no cost to you.
Regardless of whether you had insurance coverage when stopped, after 10 days, you will need to pay all the reinstatement fees to restore your driving privileges. That is $50 each to restore your license and vehicle registration. You will also need to pay for the renewal of your license plates on top of that.
If you did not have coverage, you'll need to provide the court with valid proof of insurance in addition to paying the reinstatement fees. That proof can be a newly purchased auto insurance policy or an SR-22 certificate that is filed by your insurance company.
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 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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Nebraska Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
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.
