Best Cheap Auto Insurance Rates in Nebraska

Best Cheap Auto Insurance Rates in Nebraska

We reviewed the top auto insurance companies in Nebraska and found that State Farm has the best rates for most drivers. The company charges $292 annually, or $24 monthly, for a minimum coverage policy.

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Our study compared rates from Nebraska's top insurers across a variety of drivers’ profiles, and we found that State Farm offered the best rates in most cases. The company charges just $292 annually, or $24 monthly, for a minimum coverage policy.

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To get your lowest rates, we recommend comparing quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your state.

Cheapest auto insurance in Nebraska: State Farm

Our rate analysis found that State Farm is the cheapest car insurance company for a minimum liability policy. A minimum liability policy has the lowest coverage limits allowed by state law, and it is the cheapest form of insurance.

Premiums from State Farm average $292 per year across the quotes we considered. These rates are 40% cheaper than the average cost of minimum liability coverage in Nebraska, which is $486 annually.

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These rates are examples for our sample driver. Your actual rates will change depending on where you live in Nebraska, your driving history, age and more. Below we've listed average annual rates for sample insurers in the state for a minimum coverage policy, from cheapest to most expensive.

RankCompanyAverage annual rate
1State Farm$292
2Farm Bureau$344
3American Family$424
4Progressive$458
5Nationwide$487
6Allstate$520
7Farmers$1,031
N/AUSAA$336
*USAA is excluded from rankings because it is only available to current and former military members and their families.

A minimum liability car insurance policy in Nebraska will have the cheapest premiums, 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 company for full coverage: State Farm

The cheapest Nebraska insurer for a full coverage policy is State Farm, which is much more affordable than the next-cheapest competitors, Farm Bureau and Nationwide.

These three insurers are cheaper than the average annual cost of a full coverage policy in Nebraska, which is $2,248.

InsurerAnnual costMonthly cost
State Farm$1,216$101
Farm Bureau$1,620$135
Nationwide$1,832$153
Nebraska average$2,248$187

Auto insurance policies with full coverage include liability insurance, as well as comprehensive and collision coverage. Collision and comprehensive insurance reimburses you for damage to your car in on- and off-road events, no matter who is at-fault. Buying full coverage is worth it if your car is valuable enough that you wouldn't be able to cover repairs out of pocket after an accident for which you're at fault.

Cheap car insurance for drivers with prior incidents

Typically, the average cost of full coverage car insurance in Nebraska 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 found the cheapest full coverage car insurance for drivers who have:

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Cheapest for drivers with an accident: State Farm

Our analysis found that State Farm offers the cheapest rates for drivers with an at-fault accident. The company raised rates for our sample driver by 14% after an at-fault accident, charging $1,386 per year. Across all the insurers in our study, rates increased by an average of 38%.

InsurerAnnual costMonthly cost
State Farm$1,386$116
American Family$2,147$179
Farm Bureau$2,564$214
Nebraska average$3,104$259

Some Nebraska insurers, such as Farmers and Nationwide, increased annual rates by over $1,000 after an at-fault accident. Although providers won't offer you these exact rates, the different degrees to which they penalize a driver for an at-fault accident demonstrate the value of shopping around when your driving record changes.

Cheapest car insurance for people with a speeding ticket: State Farm

Nebraska drivers with a speeding ticket will see their rates increase by an average of 22% — a significant spike, but not as sharp as the rate increase after an at-fault accident. According to our research, Nebraska drivers who have been caught speeding could find their cheapest car insurance with State Farm.

InsurerAnnual costMonthly cost
State Farm$1,301$108
Farm Bureau$1,839$153
American Family$1,873$156
Nebraska average$2,747$229

Compared to the average cost for people with a speeding ticket, State Farm's rates are more than $1,400 cheaper. This huge difference shows why drivers should always compare rates after their driving record changes.

Cheapest car insurance for drivers with a DUI: State Farm

If you get caught driving under the influence on Nebraska roads, your premiums will increase by an average of 32%, according to our research. The cheapest rates for Nebraska drivers with a prior DUI on their record come from State Farm, where annual premiums are 56% more affordable than average.

InsurerAnnual costMonthly cost
State Farm$1,301$108
Farm Bureau$1,839$153
American Family$1,873$156
Nebraska average$2,969$247

Our analysis shows that several of the insurers in Nebraska — including State Farm, Farm Bureau and American Family — treat DUIs similarly to speeding tickets and charge the same rates to drivers who have either one of these marks on their driving record. Not all insurers do this however; Farmers, for instance, raises premiums more for Nebraska drivers after a speeding ticket ($5,319 annually) than after a DUI citation ($5,172 annually), while Nationwide charges steeper rates for a DUI citation ($3,793 annually) than for a speeding ticket ($2,757 annually).

Given these different approaches to rate increases, we recommend comparing quotes if you receive a citation for either one of these violations.

Cheapest car insurance for drivers with poor credit: Nationwide

Nationwide offers the most affordable rates to Nebraska drivers with poor credit. At $2,092 annually, its rates are 31% cheaper than average rates.

InsurerAnnual costMonthly cost
Nationwide$2,092$174
Allstate$2,437$203
American Family$2,508$209
Nebraska average$3,017$251

Credit rates have a significant impact on auto insurance rates in Nebraska. After comparing average rate profiles to poor credit ones in Nebraska, we found that drivers with poor credit pay 78% more than drivers with average credit.

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No hidden costs.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EOur analysis found that \u003Cstrong\u003EState Farm\u003C\/strong\u003E offers the cheapest rates for drivers with an at-fault accident. The company raised rates for our sample driver by 14% after an at-fault accident, charging $1,386 per year. Across all the insurers in our study, rates increased by an average of 38%.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,386\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$116\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,147\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$179\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,564\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$214\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,104\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$259\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ESome Nebraska insurers, such as Farmers and Nationwide, increased annual rates by over $1,000 after an at-fault accident. Although providers won't offer you these exact rates, the different degrees to which they penalize a driver for an at-fault accident demonstrate the value of shopping around when your driving record changes.\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ENebraska drivers with a speeding ticket will see their rates increase by an average of 22% \u2014 a significant spike, but not as sharp as the rate increase after an at-fault accident. According to our research, Nebraska drivers who have been caught speeding could find their cheapest car insurance with \u003Cstrong\u003EState Farm.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,301\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$108\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,839\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$153\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,873\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,747\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$229\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ECompared to the average cost for people with a speeding ticket, State Farm's rates are more than $1,400 cheaper. This huge difference shows why drivers should always compare rates after their driving record changes.\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you get caught driving under the influence on Nebraska roads, your premiums will increase by an average of 32%, according to our research. The cheapest rates for Nebraska drivers with a prior DUI on their record come from \u003Cstrong\u003EState Farm,\u003C\/strong\u003E where annual premiums are 56% more affordable than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,301\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$108\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,839\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$153\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,873\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,969\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$247\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EOur analysis shows that several of the insurers in Nebraska \u2014 including State Farm, Farm Bureau and American Family \u2014 treat DUIs similarly to speeding tickets and charge the same rates to drivers who have either one of these marks on their driving record. Not all insurers do this however; Farmers, for instance, raises premiums more for Nebraska drivers after a speeding ticket ($5,319 annually) than after a DUI citation ($5,172 annually), while Nationwide charges steeper rates for a DUI citation ($3,793 annually) than for a speeding ticket ($2,757 annually).\u003C\/p\u003E\n\n\u003Cp\u003EGiven these different approaches to rate increases, we recommend comparing quotes if you receive a citation for either one of these violations.\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: Nationwide\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ENationwide\u003C\/strong\u003E offers the most affordable rates to Nebraska drivers with poor credit. At $2,092 annually, its rates are 31% cheaper than average rates.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003ENationwide\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$2,092\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$174\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,437\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$203\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,508\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$209\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,017\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$251\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ECredit rates have a significant impact on auto insurance rates in Nebraska. After comparing average rate profiles to poor credit ones in Nebraska, we found that drivers with poor credit pay 78% more than drivers with average credit. \n","padding":"double"}

Cheapest car insurance for married drivers: State Farm

Tying the knot scores you lower auto insurance rates in Nebraska. Our research found that married Nebraska drivers pay about $217 less per year than single drivers. State Farm has the lowest rates on average for married drivers, followed by Farm Bureau and Nationwide.

InsurerAnnual costMonthly cost
State Farm$1,216$101
Farm Bureau$1,571$131
Nationwide$1,666$139
Nebraska average$2,031$169
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ETying the knot scores you lower auto insurance rates in Nebraska. Our research found that married Nebraska drivers pay about $217 less per year than single drivers. \u003Cstrong\u003EState Farm\u003C\/strong\u003E has the lowest rates on average for married drivers, followed by Farm Bureau and Nationwide.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,216\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$101\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,571\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$131\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,666\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$139\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,031\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$169\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Cheapest car insurance for young drivers: State Farm

Young 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 $5,035, compared to $2,248 for older drivers.

We found that State Farm had the cheapest full coverage rates for young drivers in Nebraska, charging $3,376 annually, or $281 monthly. Young drivers in the military or in a military family, however, can snag even cheaper annual premiums with USAA. At $2,611 per year and $218 per month, USAA's rates are $765 cheaper than State Farm's.

RankInsurerFull coverageMinimum coverage
1State Farm$3,376$963
2Farm Bureau$3,493$1,158
3American Family$4,453$1,315
4Allstate$5,218$1,214
5Nationwide$6,376$1,776
6Progressive$7,222$2,304
7Farmers$7,534$3,889
N/AUSAA$2,611$838
Nebraska average$5,035$1,682
*USAA is excluded from rankings because it is only available to current and former military members and their families.

State Farm and USAA also offer young Nebraska drivers the most affordable annual rates for a minimum coverage policy: $963 and $838, respectively. Although cheap rates might make a minimum policy seem like the more attractive option, we generally recommend that young drivers purchase a full coverage policy. Drivers under the age of 25 get in more accidents than older drivers, and having collision and comprehensive coverage in place can be far less expensive than paying the cost of repairs out-of-pocket.

Cheapest for young drivers with one accident: State Farm

Accidents almost always cause the cost of car insurance to increase significantly, which means premiums for younger drivers with an at-fault accident on their record can be many times more expensive than for most drivers. Young Nebraska drivers seeking cheap coverage after an at-fault accident may find their cheapest rates from State Farm; its rates are $2,116 cheaper than average.

InsurerAnnual costMonthly cost
State Farm$3,964$330
American Family$4,727$394
Farm Bureau$5,538$462
Nebraska average$6,080$507

Cheapest for young drivers with one speeding ticket: State Farm

If you're a young Nebraskan driver with a citation for driving too fast on the roads, we found that State Farm is your best bet for affordable coverage. Young drivers who have one speeding ticket will pay 35% less than average if they take out a full coverage policy with State Farm.

InsurerAnnual costMonthly cost
State Farm$3,670$306
Farm Bureau$3,967$331
American Family$4,453$371
Nebraska average$5,633$469
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nYoung 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 $5,035, compared to $2,248 for older drivers.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe found that \u003Cstrong\u003EState Farm\u003C\/strong\u003E had the cheapest full coverage rates for young drivers in Nebraska, charging $3,376 annually, or $281 monthly. Young drivers in the military or in a military family, however, can snag even cheaper annual premiums with USAA. At $2,611 per year and $218 per month, USAA's rates are $765 cheaper than State Farm's.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFull coverage\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMinimum coverage\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,376\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$963\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,493\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,158\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,453\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,315\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,218\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,214\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,376\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,776\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E6\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,222\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,304\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E7\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarmers\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,534\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,889\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,611\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$838\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,035\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,682\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E*USAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EState Farm and USAA also offer young Nebraska drivers the most affordable annual rates for a minimum coverage policy: $963 and $838, respectively. Although cheap rates might make a minimum policy seem like the more attractive option, \u003Cstrong\u003Ewe generally recommend that young drivers purchase a full coverage policy\u003C\/strong\u003E. Drivers under the age of 25 get in more accidents than older drivers, and having collision and comprehensive coverage in place can be far less expensive than paying the cost of repairs out-of-pocket.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EAccidents almost always cause the cost of car insurance to increase significantly, which means premiums for younger drivers with an at-fault accident on their record can be many times more expensive than for most drivers. Young Nebraska drivers seeking cheap coverage after an at-fault accident may find their cheapest rates from \u003Cstrong\u003EState Farm\u003C\/strong\u003E; its rates are $2,116 cheaper than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,964\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$330\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,727\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$394\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,538\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$462\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,080\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$507\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're a young Nebraskan driver with a citation for driving too fast on the roads, we found that \u003Cstrong\u003EState Farm\u003C\/strong\u003E is your best bet for affordable coverage. Young drivers who have one speeding ticket will pay 35% less than average if they take out a full coverage policy with State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$3,670\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$306\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,967\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$331\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,453\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$371\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENebraska average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,633\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$469\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Best auto insurance companies in Nebraska

USAA is the best insurance company in Nebraska, when considering its customer service and claim satisfaction ratings from our survey of current customers.

However, if you're not eligible for USAA membership, American Family and Nationwide are solid choices. These companies also received high marks from policyholders.

Overall rankGroupPercent of respondents overall extremely satisfied with most recent claimPercent of respondents who rated customer service as "excellent"
1USAA78%62%
2American Family (AmFam)86%50%
3Nationwide78%53%
4State Farm73%46%
5Allstate72%47%
6Farmers Insurance71%38%
7Progressive74%34%
N/AFarm BureauN/AN/A
*Overall rank takes both claim satisfaction and customer service rankings into account.

Nationwide also received strong scores from J.D. Power, which ranks insurers based on customer satisfaction with their claims process, and from the National Association of Insurance Commissioners (NAIC). Nationwide's Complaint Index at the NAIC was just 0.41, which means it received less than half as many complaints as is typical for its size. Its J.D. Power score was 876, above the national average of 872.

If you'd prefer to work with a smaller regional insurer, consider purchasing a policy from Farm Bureau. Serving customers in just nine Midwestern and Southwestern states, it also had an impressively low NAIC Complaint Index.

InsurerNAIC Complaint Index (lower is better)J.D. Power claims satisfaction score (Higher is better)AM Best Financial Strength Rating
State Farm0.66881A++
Progressive0.82856A+
Farm Bureau0.43N/AA
American Family0.45862A
Allstate F&C0.63876A+
Farmers0.45872A
Nationwide0.41876A+
USAA0.68890A++

AM Best gave all the companies we looked at a Financial Strength Rating of A or better, indicating an "Excellent" or "Superior" ability to pay out claims.

{"backgroundColor":"white","content":"\n\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nUSAA is the best insurance company in Nebraska, when considering its customer service and claim satisfaction ratings from our survey of current customers.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EHowever, if you're not eligible for USAA membership, American Family and Nationwide are \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The 7 Best Car Insurance Companies (2020)\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Esolid choices\u003C\/a\u003E\u003C\/span\u003E. These companies also received high marks from policyholders.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EOverall rank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGroup\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents overall extremely satisfied with most recent claim\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents who rated customer service as \"excellent\"\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E78%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family (AmFam)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E86%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E50%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E78%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E53%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E73%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E72%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E6\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarmers Insurance\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E71%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E38%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E7\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E74%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E*Overall rank takes both claim satisfaction and customer service rankings into account.\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ENationwide also received strong scores from J.D. Power, which ranks insurers based on customer satisfaction with their claims process, and from the National Association of Insurance Commissioners (NAIC). Nationwide's Complaint Index at the NAIC was just 0.41, which means it received less than half as many complaints as is typical for its size. Its J.D. Power score was 876, above the national average of 872.\u003C\/p\u003E\n\n\u003Cp\u003EIf you'd prefer to work with a smaller regional insurer, consider purchasing a policy from Farm Bureau. Serving customers in just nine Midwestern and Southwestern states, it also had an impressively low NAIC Complaint Index.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENAIC Complaint Index (lower is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EJ.D. Power claims satisfaction score (Higher is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAM Best Financial Strength Rating\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.66\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E881\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.82\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E856\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.43\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.45\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E862\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate F&C\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.63\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarmers\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.45\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E872\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.41\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.68\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E890\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EAM Best gave all the companies we looked at a Financial Strength Rating of A or better, indicating an \"Excellent\" or \"Superior\" ability to pay out claims. \n","padding":"double"}

Average car insurance cost in Nebraska by city

Although our analysis found that the average rate for full coverage in Nebraska is $2,248 per year, the reality is that your rates will vary depending on where you live in the state. For example, drivers in Kearney pay the least, with average annual rates of $2,052, while drivers in Omaha pay the most, with average annual rates of $2,488.

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

CityAverage annual costPercent from average
Kearney$2,052-8.7%
Bradshaw$2,054-8.6%
Aurora$2,054-8.6%
York$2,058-8.4%
Henderson$2,066-8.1%
Stromsburg$2,079-7.5%
Hordville$2,080-7.5%
Hampton$2,081-7.4%
Benedict$2,086-7.2%
Alda$2,087-7.2%
Juniata$2,089-7.1%
Holstein$2,089-7.1%
Axtell$2,090-7.0%
Marquette$2,091-7.0%
Columbus$2,091-7.0%
Grand Island$2,093-6.9%
Gibbon$2,093-6.9%
Hastings$2,100-6.6%
McCool Junction$2,100-6.6%
Norfolk$2,101-6.5%
St. Paul$2,102-6.5%
Cairo$2,103-6.4%
Odessa$2,103-6.4%
Platte Center$2,105-6.4%
Monroe$2,107-6.3%
Creston$2,109-6.2%
Polk$2,109-6.2%
Wood River$2,110-6.1%
Woodland Park$2,111-6.1%
Holdrege$2,112-6.0%
Osmond$2,114-6.0%
Deweese$2,114-5.9%
Hartington$2,115-5.9%
Sutton$2,115-5.9%
Wausa$2,115-5.9%
Central City$2,115-5.9%
Newman Grove$2,116-5.9%
Tilden$2,116-5.8%
Minden$2,117-5.8%
Ayr$2,118-5.8%
Shelton$2,119-5.7%
Bellwood$2,119-5.7%
Pleasanton$2,120-5.7%
Fairfield$2,120-5.7%
Pierce$2,122-5.6%
Giltner$2,123-5.5%
Strang$2,123-5.5%
Ravenna$2,123-5.5%
Humphrey$2,126-5.4%
Carleton$2,127-5.4%
McLean$2,128-5.3%
Clay Center$2,130-5.3%
Rising City$2,130-5.2%
Surprise$2,132-5.1%
Ulysses$2,132-5.1%
Riverdale$2,132-5.1%
Fairmont$2,132-5.1%
Gresham$2,132-5.1%
Fullerton$2,133-5.1%
Madison$2,133-5.1%
Plainview$2,134-5.1%
Hadar$2,134-5.0%
Funk$2,135-5.0%
Albion$2,135-5.0%
Hubbell$2,135-5.0%
Shickley$2,136-5.0%
Gilead$2,137-4.9%
Geneva$2,140-4.8%
Ruskin$2,142-4.7%
Grafton$2,142-4.7%
Glenvil$2,144-4.6%
Oak$2,144-4.6%
Byron$2,145-4.6%
David City$2,145-4.6%
Wilcox$2,146-4.5%
Loomis$2,146-4.5%
Bloomfield$2,146-4.5%
Clarkson$2,147-4.5%
Guide Rock$2,147-4.5%
Hardy$2,148-4.5%
Blue Hill$2,148-4.4%
Clarks$2,150-4.4%
Randolph$2,150-4.4%
Abie$2,150-4.3%
Heartwell$2,151-4.3%
Elm Creek$2,153-4.2%
Trumbull$2,153-4.2%
West Point$2,153-4.2%
Bruno$2,153-4.2%
Laurel$2,153-4.2%
Red Cloud$2,153-4.2%
Miller$2,153-4.2%
Duncan$2,154-4.2%
Ong$2,154-4.2%
Shelby$2,156-4.1%
Fremont$2,156-4.1%
Leigh$2,156-4.1%
Howells$2,156-4.1%
Osceola$2,157-4.1%
Primrose$2,157-4.0%
Upland$2,157-4.0%
Palmer$2,158-4.0%
Ohiowa$2,158-4.0%
Dwight$2,158-4.0%
Lincoln$2,158-4.0%
Beemer$2,159-4.0%
Reynolds$2,160-3.9%
Brunswick$2,161-3.9%
Atlanta$2,164-3.7%
Stanton$2,164-3.7%
Campbell$2,164-3.7%
Inland$2,164-3.7%
Archer$2,165-3.7%
Coleridge$2,165-3.7%
Elgin$2,165-3.7%
Linwood$2,165-3.7%
Magnet$2,165-3.7%
Neligh$2,165-3.7%
Lindsay$2,166-3.7%
Phillips$2,166-3.7%
Meadow Grove$2,166-3.6%
Niobrara$2,166-3.6%
Battle Creek$2,167-3.6%
Wakefield$2,167-3.6%
Superior$2,167-3.6%
Greeley$2,169-3.5%
Farwell$2,169-3.5%
Daykin$2,170-3.5%
Lawrence$2,170-3.5%
Inavale$2,170-3.4%
Saronville$2,171-3.4%
Oakdale$2,172-3.4%
Hebron$2,173-3.3%
Davenport$2,173-3.3%
Winnetoon$2,174-3.3%
Exeter$2,174-3.3%
Wayne$2,175-3.2%
Verdigre$2,176-3.2%
Lynch$2,176-3.2%
Monowi$2,176-3.2%
Chester$2,177-3.2%
Huntley$2,177-3.1%
Republican City$2,177-3.1%
Dixon$2,177-3.1%
Amherst$2,178-3.1%
Cordova$2,179-3.1%
Belden$2,179-3.1%
Wolbach$2,180-3.0%
Petersburg$2,181-3.0%
Center$2,181-3.0%
Steele City$2,182-2.9%
Friend$2,182-2.9%
Fordyce$2,183-2.9%
Genoa$2,184-2.8%
Schuyler$2,185-2.8%
Pilger$2,185-2.8%
Nebraska City$2,186-2.8%
La Vista$2,187-2.7%
Tobias$2,187-2.7%
St. Edward$2,187-2.7%
Bladen$2,188-2.7%
Allen$2,189-2.6%
Milligan$2,189-2.6%
Orchard$2,190-2.6%
Seward$2,191-2.5%
Cedar Rapids$2,191-2.5%
Cedar Bluffs$2,191-2.5%
Carroll$2,191-2.5%
Auburn$2,192-2.5%
Diller$2,193-2.4%
Garland$2,193-2.4%
Hildreth$2,193-2.4%
Rosalie$2,193-2.4%
Belvidere$2,194-2.4%
Hooper$2,196-2.3%
Jansen$2,197-2.3%
Utica$2,198-2.2%
Scotia$2,198-2.2%
Morse Bluff$2,200-2.1%
Wynot$2,201-2.1%
Brainard$2,201-2.1%
Ponca$2,201-2.1%
Mead$2,205-1.9%
Maskell$2,205-1.9%
Humboldt$2,205-1.9%
Wisner$2,206-1.9%
Crofton$2,207-1.8%
Ragan$2,208-1.8%
Papillion$2,208-1.8%
Waterbury$2,208-1.8%
Willow Island$2,209-1.7%
Falls City$2,209-1.7%
Alexandria$2,210-1.7%
Franklin$2,210-1.7%
Royal$2,211-1.6%
Riverton$2,212-1.6%
Pender$2,214-1.5%
Bloomington$2,214-1.5%
Rogers$2,214-1.5%
Du Bois$2,215-1.5%
Bee$2,215-1.4%
Pleasant Dale$2,216-1.4%
Weston$2,217-1.4%
Elsmere$2,217-1.4%
Milford$2,217-1.4%
Stella$2,217-1.4%
Saint Helena$2,218-1.3%
Naponee$2,218-1.3%
Peru$2,219-1.3%
Beaver Crossing$2,219-1.3%
Boelus$2,219-1.3%
Alliance$2,221-1.2%
Bertrand$2,221-1.2%
Goehner$2,222-1.1%
Colon$2,222-1.1%
Davey$2,223-1.1%
Winside$2,223-1.1%
Offutt AFB$2,224-1.1%
Brock$2,224-1.1%
Orleans$2,224-1.1%
Lyons$2,226-1.0%
Plymouth$2,227-0.9%
Rulo$2,227-0.9%
Pickrell$2,228-0.9%
Beatrice$2,228-0.9%
Dodge$2,228-0.9%
Smithfield$2,228-0.9%
Page$2,230-0.8%
Ames$2,232-0.7%
Belgrade$2,232-0.7%
Uehling$2,232-0.7%
Oakland$2,233-0.7%
Fontanelle$2,235-0.6%
Nickerson$2,235-0.6%
Western$2,235-0.6%
Malmo$2,235-0.6%
Yutan$2,235-0.6%
Winslow$2,235-0.6%
Shubert$2,236-0.5%
Jackson$2,236-0.5%
Lewiston$2,236-0.5%
Ceresco$2,237-0.5%
Springfield$2,237-0.5%
Syracuse$2,237-0.5%
Cook$2,238-0.4%
Johnson$2,239-0.4%
Elk Creek$2,239-0.4%
Salem$2,240-0.4%
Crete$2,240-0.3%
Richfield$2,241-0.3%
Arlington$2,241-0.3%
O'Neill$2,242-0.3%
Tecumseh$2,243-0.2%
Wahoo$2,243-0.2%
Cambridge$2,244-0.2%
Swanton$2,244-0.2%
Elyria$2,244-0.2%
Brewster$2,244-0.2%
Malcolm$2,245-0.1%
Dunbar$2,246-0.1%
Lorton$2,246-0.1%
Grant$2,2470.0%
Arapahoe$2,2490.0%
Holbrook$2,2490.1%
Valparaiso$2,2490.1%
Burr$2,2510.1%
Cortland$2,2510.1%
Cozad$2,2510.1%
Palmyra$2,2510.1%
Memphis$2,2520.2%
Chambers$2,2530.2%
Gothenburg$2,2530.2%
Crab Orchard$2,2530.2%
Scribner$2,2550.3%
Sumner$2,2550.3%
Talmage$2,2550.3%
Eustis$2,2550.3%
Plattsmouth$2,2560.4%
Union$2,2570.4%
Unadilla$2,2570.4%
Snyder$2,2570.4%
Louisville$2,2580.4%
Ewing$2,2580.5%
Pawnee City$2,2580.5%
Eagle$2,2590.5%
Purdum$2,2600.5%
Ericson$2,2600.5%
Elwood$2,2600.6%
Liberty$2,2610.6%
Nemaha$2,2610.6%
Murray$2,2610.6%
Barneston$2,2620.6%
Angora$2,2620.6%
Bellevue$2,2620.6%
North Bend$2,2630.7%
Cedar Creek$2,2630.7%
Prague$2,2630.7%
Raymond$2,2630.7%
Thurston$2,2640.7%
Roca$2,2640.7%
Wilsonville$2,2640.7%
De Witt$2,2640.7%
Staplehurst$2,2640.7%
Dawson$2,2650.7%
Fairbury$2,2650.8%
Tekamah$2,2660.8%
Walton$2,2660.8%
Boys Town$2,2660.8%
Verdon$2,2670.9%
Stamford$2,2680.9%
Edison$2,2690.9%
Ithaca$2,2711.0%
Bristow$2,2711.0%
Gross$2,2711.0%
Nehawka$2,2711.0%
Ashton$2,2711.0%
Blue Springs$2,2711.1%
Otoe$2,2721.1%
Oxford$2,2721.1%
Amelia$2,2721.1%
Alvo$2,2721.1%
Oshkosh$2,2731.1%
Bennet$2,2751.2%
Wymore$2,2751.2%
Steinauer$2,2761.2%
Rushville$2,2771.3%
Crookston$2,2771.3%
Inman$2,2771.3%
Virginia$2,2781.3%
Kilgore$2,2781.3%
Wood Lake$2,2801.4%
Madrid$2,2811.5%
Hemingford$2,2821.5%
Valentine$2,2821.5%
Burchard$2,2831.6%
Julian$2,2841.6%
Bartlett$2,2851.7%
Loup City$2,2861.7%
Clatonia$2,2861.7%
Gretna$2,2861.7%
Dalton$2,2871.7%
Bennington$2,2871.8%
Sprague$2,2871.8%
Atkinson$2,2871.8%
Odell$2,2881.8%
Springview$2,2891.8%
Rockville$2,2901.9%
Emmet$2,2901.9%
Hendley$2,2901.9%
Chappell$2,2911.9%
Panama$2,2922.0%
Greenwood$2,2922.0%
Table Rock$2,2932.0%
Broken Bow$2,2932.0%
Newport$2,2932.0%
North Platte$2,2972.2%
Harrison$2,2982.2%
Whiteclay$2,2982.2%
Ogallala$2,2992.3%
Whitney$2,2992.3%
Eddyville$2,3002.3%
Arcadia$2,3002.3%
Mitchell$2,3002.3%
Melbeta$2,3012.4%
Ralston$2,3012.4%
Halsey$2,3022.4%
Martell$2,3032.4%
Kimball$2,3032.5%
Merna$2,3032.5%
Elmwood$2,3042.5%
Lewellen$2,3042.5%
Butte$2,3052.5%
Walthill$2,3062.6%
Naper$2,3062.6%
Thedford$2,3062.6%
Valley$2,3082.7%
Sparks$2,3082.7%
Homer$2,3092.7%
Chadron$2,3102.8%
Stapleton$2,3102.8%
Bingham$2,3102.8%
Wellfleet$2,3112.8%
Ord$2,3122.9%
Scottsbluff$2,3132.9%
Seneca$2,3132.9%
Murdock$2,3142.9%
Manley$2,3142.9%
Mason City$2,3143.0%
Burwell$2,3153.0%
Dakota City$2,3163.0%
Washington$2,3163.0%
Lexington$2,3173.1%
St Columbans$2,3173.1%
Sidney$2,3183.1%
McGrew$2,3193.1%
Herman$2,3193.2%
Weeping Water$2,3193.2%
Venango$2,3193.2%
Broadwater$2,3203.2%
Ellsworth$2,3213.3%
Merriman$2,3223.3%
Waverly$2,3223.3%
Marsland$2,3223.3%
Whitman$2,3223.3%
Hickman$2,3233.3%
Nenzel$2,3233.3%
Hubbard$2,3233.3%
Lisco$2,3233.4%
Lakeside$2,3253.4%
Bayard$2,3253.4%
Dunning$2,3263.5%
Douglas$2,3283.5%
Ansley$2,3283.6%
Crawford$2,3293.6%
Bridgeport$2,3293.6%
Kennard$2,3303.6%
Spencer$2,3323.7%
Brule$2,3323.7%
Elsie$2,3343.8%
Hay Springs$2,3343.8%
Long Pine$2,3343.8%
Johnstown$2,3363.9%
Sargent$2,3363.9%
Hazard$2,3363.9%
Westerville$2,3384.0%
Gordon$2,3384.0%
Wallace$2,3384.0%
Bushnell$2,3384.0%
Oconto$2,3394.0%
Anselmo$2,3394.1%
Milburn$2,3394.1%
Terrytown$2,3404.1%
Gering$2,3414.1%
Brady$2,3414.2%
Blair$2,3424.2%
Dix$2,3424.2%
Maywood$2,3424.2%
Indianola$2,3424.2%
Parks$2,3454.3%
South Sioux City$2,3474.4%
Litchfield$2,3474.4%
Taylor$2,3484.4%
Lemoyne$2,3494.5%
Morrill$2,3504.5%
Firth$2,3514.6%
Champion$2,3534.7%
Lamar$2,3534.7%
Mills$2,3544.7%
Enders$2,3544.7%
Bartley$2,3554.8%
Hallam$2,3554.8%
Tryon$2,3574.9%
Farnam$2,3584.9%
Lyman$2,3584.9%
Callaway$2,3605.0%
Danbury$2,3615.0%
Benkelman$2,3615.0%
Comstock$2,3625.1%
Hershey$2,3625.1%
Moorefield$2,3645.2%
Keystone$2,3665.3%
Bassett$2,3675.3%
Lebanon$2,3715.5%
Fort Calhoun$2,3725.5%
Harrisburg$2,3745.6%
Haigler$2,3805.9%
Max$2,3815.9%
Minatare$2,3815.9%
Culbertson$2,3826.0%
Trenton$2,3836.0%
McCook$2,3846.0%
Macy$2,3846.0%
Imperial$2,3936.5%
Ashby$2,3956.5%
Stockville$2,3966.6%
Stratton$2,4026.9%
Wauneta$2,4117.3%
Ashland$2,4127.3%
Dickens$2,4288.0%
Curtis$2,4478.9%
Palisade$2,4609.5%
Omaha$2,48810.7%

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 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: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: Nationwide
  • Very good credit history: State Farm
  • Married couples: State Farm
  • Young drivers: State Farm
  • Young drivers with one accident: State Farm
  • Young drivers with speeding ticket: State Farm

Methodology

We collected thousands of rates from ZIP codes across Nebraska for the largest 10 insurers. We used a sample driver with the following profile:

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

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

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$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, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated 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.