Best Cheap Auto Insurance Rates in Nebraska

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The average cost of minimum coverage car insurance in Nebraska is $599 per year. But your own rate could vary greatly depending on your location, driver profile and selected coverages.

ValuePenguin analyzed major insurance companies in Nebraska across hundreds of cities to find which companies have the cheapest auto insurance on average. Based on our sample driver, we found that annual premiums can differ by thousands of dollars depending on the insurer you pick, and hundreds of dollars depending on where you live.

Enter your ZIP code above to start shopping for Nebraska car insurance, or read our analysis below on the average quotes and customer service reputations of Nebraska insurers.

Cheapest auto insurance companies in Nebraska for minimum coverage

Nebraska drivers can get the cheapest possible car insurance by getting the lowest limits allowed by state law, also known as a minimum coverage policy. Shoppers should note that this type of policy may not provide sufficient protection against the costs of a major accident.

For our sample driver, the most affordable minimum coverage policies in Nebraska are sold by:

  • Nebraska Farm Bureau
  • State Farm
  • American Family

The average quote from these insurers was $414 per year, 31% cheaper than the state average. Drivers shopping with the Nebraska Farm Bureau should note that policyholders must pay an annual fee for membership, which differs by county but generally ranges from $45 to $60.

This graph shows which companies in Nebraska have the best car insurance rates for our sample driver, and compares them to the state average.
This graph shows which companies in Nebraska have the best car insurance rates for our sample driver, and compares them to the state average.

Find the Cheapest Auto Insurance Quotes in Your Area

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For those who qualify, USAA is actually the most affordable option in Nebraska, with an average annual rate of $241.

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

RankInsurerAnnual insurance premium
1Nebraska Farm Bureau$344
2State Farm$389
3American Family$509
4Nationwide$595
5Progressive$611
6Allstate$682
7Farmers$1,421
N/A*USAA$241
USAA was not ranked as only military members, veterans and their families are eligible for a policy

A minimum coverage policy in Nebraska only meets the state's required limits for liability insurance coverage. Drivers can get more protection by purchasing policies with higher liability limits or buying a full coverage policy, one with comprehensive and collision insurance.

Cheapest full coverage car insurance in Nebraska: State Farm

A full coverage policy is one that includes comprehensive and collision insurance to protect damage to your own car. These policies will cost more than a minimum coverage policy but offer more protection and protection of a different kind.

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

All three of these insurers are cheaper than the average annual cost of a full coverage policy in Nebraska: $2,038.

  • State Farm: Our sample driver got a quote for $1,262 per year for a full coverage policy with State Farm. This was 38% cheaper than the state average.
  • Nebraska Farm Bureau: With an annual premium of $1,626 per year, the Farm Bureau is the second cheapest option but notably more expensive than State Farm.
  • Nationwide: This provider quoted our sample driver at a similar price to the Farm Bureau. A full coverage policy in Nebraska with this insurer cost $1,788 per year.

While liability coverage will cover property damage and bodily injury costs to others for accidents for which you're at fault, collision and comprehensive insurance reimburses you for damage to your car in on- and off-road events.

  • Collision insurance pays to repair damage to your car after an accident with another vehicle or an accident on the road not involving another vehicle.
  • Comprehensive insurance pays to repair damage to your vehicle caused by non-driving perils, such as weather and vandalism. It also covers theft of your vehicle.

These coverages are worth buying if your car is valuable enough that you wouldn't be able to cover them out of pocket.

Cheapest full coverage car insurance in Nebraska after an accident: State Farm

After our sample driver was in an at-fault accident, State Farm remains the cheapest insurer in Nebraska for car insurance. State Farm quotes increased by 14% after the accident. Across all our sample insurers, rates increased by an average of 38%.

RankCompanyRates after accidentRates before accidentDifference
1State Farm$1,444$1,262$182
2American Family$2,065$1,797$268
3Nebraska Farm Bureau$2,573$1,626$947
4Nationwide$2,858$1,788$1,070
5Allstate$3,029$2,317$712
6Progressive$3,513$2,333$1,180
7Farmers$5,671$4,120$1,551
N/A*USAA$1,439$1,059$380
Sample accident was the fault of the driver and caused $2,000 in property damage. USAA was not ranked due to limited eligibility.

Some insurers increased annual rates by nearly or over $1,000, highlighting the value to Nebraska drivers of shopping around. Providers won't offer you these exact rates, but the different degree to which they will penalize a driver with an accident in his history shows how shoppers may get value by switching their insurer.

Best car insurance companies in Nebraska

Nebraska consumers looking for car insurance shouldn't sacrifice quality in the quest for affordability. The customer service experience — most importantly, how insurers handle your claims — should factor into deciding which car insurance you buy.

When Nebraska insurers are measured by customer complaints, the best-rated insurers in the state are:

  • Old Republic Insurance
  • Farmers Mutual of Nebraska
  • Farmers Insurance

Though quotes for our sample driver were not available for Old Republic or Farmers Mutual, consumers should note that Farmers Insurance was the most expensive in our sample. Drivers should seek to balance their preference for savings with a higher standard of customer service.

We've ranked the biggest insurers in Nebraska by complaint index. The lower the complaint index the better, indicating that consumers complain about the provider at a lower rate. The index is adjusted for the size of the company.

RankCompanyMarket shareComplaint index
1Old Republic Insurance (Great West Casualty)3.2%0
2Farmers Mutual Insurance Co. of NE7.6%0.32
3Farmers Insurance (Mid-Century Insurance)2.6%0.46
4Nationwide5.6%0.48
5State Farm17.8%0.57
6GEICO5.1%0.62
7Nebraska Farm Bureau5.8%0.66
8American Family Insurance6.8%0.69
8Allstate4.1%0.69
10USAA3.6%0.83
11Progressive12.6%0.94
Complaint index was drawn from the National Association of Insurance Commissioners. All insurers in our sample group from our rate analysis were included, along with two other insurers in the top 10 of market share in Nebraska: Old Republic and Farmers Mutual of Nebraska. If an insurance group had multiple companies operating in the state, the complaint index was taken from the company with the largest market share. If that company's name was distinct from the parent group, it is noted in parentheses.

The national median for complaint index is 1.0, and given that all these insurers fall under that number, Nebraskans appear generally satisfied with the service they receive. Allstate, USAA and Progressive received the worst marks of any insurers in our sample.

Minimum auto insurance requirements 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 types of 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

Cheapest car insurance rates: By city

Average insurance rates in Nebraska and elsewhere can vary greatly depending on exactly where in the state you live. Among major Nebraska cities, we found that rates can vary by almost $400 per year for the same driver.

Below, we show the three cheapest insurers for the 50 most populous cities in Nebraska. USAA — for those who are eligible — and State Farm rank in the top three for all 50 cities, while Nebraska Farm Bureau quotes as one of the cheapest in 45 out of the 50.

CityCompanyAnnual premium
AllianceUSAA$1,098
State Farm$1,158
Nebraska Farm Bureau$1,550
AshlandUSAA$964
State Farm$1,352
American Family$1,837
AuburnUSAA$994
State Farm$1,247
Nebraska Farm Bureau$1,594
AuroraUSAA$1,004
State Farm$1,145
Nebraska Farm Bureau$1,496
BeatriceUSAA$994
State Farm$1,343
Nebraska Farm Bureau$1,626
BellevueUSAA$924
State Farm$1,282
Nebraska Farm Bureau$1,507
BlairUSAA$1,024
State Farm$1,387
American Family$1,825
Broken BowUSAA$1,124
State Farm$1,240
Nebraska Farm Bureau$1,710
Central CityUSAA$1,124
State Farm$1,150
Nebraska Farm Bureau$1,489
ChadronUSAA$1,106
State Farm$1,295
Nationwide$1,760
ColumbusUSAA$1,074
State Farm$1,122
Nebraska Farm Bureau$1,431
CozadUSAA$1,145
State Farm$1,202
Nebraska Farm Bureau$1,630
CreteUSAA$1,082
State Farm$1,311
Nebraska Farm Bureau$1,616
David CityUSAA$1,074
State Farm$1,133
Nebraska Farm Bureau$1,628
FairburyUSAA$1,082
State Farm$1,345
Nationwide$1,640
Falls CityUSAA$994
State Farm$1,306
Nebraska Farm Bureau$1,575
FremontUSAA$1,021
State Farm$1,276
Nebraska Farm Bureau$1,473
GeringUSAA$1,162
State Farm$1,227
Nebraska Farm Bureau$1,724
GothenburgUSAA$1,145
State Farm$1,188
Nebraska Farm Bureau$1,677
Grand IslandUSAA$1,069
State Farm$1,150
Nebraska Farm Bureau$1,444
GretnaUSAA$964
State Farm$1,321
Nebraska Farm Bureau$1,481
HastingsUSAA$1,066
State Farm$1,113
Nebraska Farm Bureau$1,482
HoldregeUSAA$1,083
State Farm$1,121
Nebraska Farm Bureau$1,552
KearneyUSAA$990
State Farm$1,093
Nebraska Farm Bureau$1,507
La VistaUSAA$886
State Farm$1,282
Nebraska Farm Bureau$1,395
LexingtonUSAA$1,145
State Farm$1,221
Nebraska Farm Bureau$1,714
LincolnUSAA$907
State Farm$1,282
Nebraska Farm Bureau$1,416
MadisonUSAA$1,021
State Farm$1,184
Nebraska Farm Bureau$1,506
McCookUSAA$1,166
State Farm$1,368
American Family$1,740
MindenUSAA$990
State Farm$1,114
Nebraska Farm Bureau$1,672
Nebraska CityUSAA$1,026
State Farm$1,230
Nebraska Farm Bureau$1,489
NorfolkUSAA$1,021
State Farm$1,083
Nebraska Farm Bureau$1,498
North PlatteUSAA$1,166
State Farm$1,257
Nebraska Farm Bureau$1,672
O'NeillUSAA$1,079
State Farm$1,188
Nebraska Farm Bureau$1,634
OgallalaUSAA$1,166
State Farm$1,216
Nebraska Farm Bureau$1,633
OmahaUSAA$1,025
State Farm$1,488
Nebraska Farm Bureau$1,664
PapillionUSAA$964
State Farm$1,249
Nebraska Farm Bureau$1,402
PlattsmouthUSAA$996
State Farm$1,250
Nebraska Farm Bureau$1,526
SchuylerUSAA$1,074
State Farm$1,136
Nebraska Farm Bureau$1,559
ScottsbluffUSAA$1,162
State Farm$1,234
Nebraska Farm Bureau$1,759
SewardUSAA$1,005
State Farm$1,278
Nebraska Farm Bureau$1,548
SidneyUSAA$1,098
State Farm$1,143
Nebraska Farm Bureau$1,696
South Sioux CityUSAA$1,014
State Farm$1,256
Nebraska Farm Bureau$1,498
ValentineUSAA$1,106
State Farm$1,360
Nebraska Farm Bureau$1,730
ValleyUSAA$1,047
State Farm$1,351
Nebraska Farm Bureau$1,512
WahooUSAA$1,021
State Farm$1,299
Nebraska Farm Bureau$1,515
WaverlyUSAA$937
State Farm$1,334
Nebraska Farm Bureau$1,405
WayneUSAA$1,014
State Farm$1,200
Nebraska Farm Bureau$1,493
West PointUSAA$1,074
State Farm$1,116
Nebraska Farm Bureau$1,507
YorkUSAA$1,004
State Farm$1,078
Nebraska Farm Bureau$1,501

For a deeper dive on how rates change by city, we analyze the five biggest cities in Nebraska below:

In many states, more densely populated areas are riskier for drivers, and those who live in those locations are charged higher rates. With the exception of Omaha, this isn't true in Nebraska.

Auto insurance in Omaha, Nebraska

  • Average annual cost = $2,224
  • Nine percent more expensive than the Nebraska average

The biggest city in Nebraska is also the most expensive for auto insurance. Comparison shoppers can still find savings, however. USAA, State Farm, Nebraska Farm Bureau and American Family were all quoted at less than the state average.

Auto insurance in Lincoln, Nebraska

  • Average annual cost = $1,901
  • Seven percent less expensive than the Nebraska average

Lincoln is the fifth cheapest major city in Nebraska for auto insurance. But its average price is driven up by the high cost of Farmers Insurance in the city: over $4,000 per year.

Auto insurance in Bellevue, Nebraska

  • Average annual cost = $2,006
  • Two percent less expensive than the Nebraska average

Among major Nebraska cities, Bellevue is middle-of-the-pack for affordability. State Farm is the cheapest insurer widely available ($1,282 per year) while those eligible for USAA can get even more savings ($924 per year).

Auto insurance in Grand Island, Nebraska {#Grand Island}

  • Average annual cost = $1,853
  • Nine percent less expensive than the Nebraska average

Grand Island is the cheapest of these five cities and the second cheapest major city in Nebraska, trailing only Columbus. It also had one of the most affordable State Farm quotes for our sample driver for any city, $1,150 per year.

Auto insurance in Kearney, Nebraska

  • Average annual cost = $1,888
  • Seven percent less expensive than the Nebraska average

Kearney is similarly affordable. Customers who don't mind paying extra and who are looking for strong customer service should look at Farmers Insurance. In Kearney, it was still the most expensive insurer in our sample ($3,567 per year), but cheaper than it was in many other cities.

Average cost of car insurance in Nebraska: By city

The average cost of car insurance in Nebraska for our recommended full coverage policy is $2,038 per year.

We got this rate by sampling eight insurers across thousands of ZIP codes. But the truth is, prices will change greatly depending on your driver profile and the amount of coverage you select.

Despite these variations, we've ranked the 50 most populous cities in Nebraska based on the average cost of our full coverage auto insurance policy. Columbus ranks as the cheapest city, while Omaha ranks as the most expensive.

RankCityAverage annual car insurance premiums
1Columbus$1,845
2Grand Island$1,853
3Aurora$1,854
4Kearney$1,888
5Lincoln$1,901
6Norfolk$1,909
7York$1,914
8Hastings$1,915
9Madison$1,919
10La Vista$1,925
11Holdrege$1,925
12Fremont$1,925
13Central City$1,931
14Nebraska City$1,940
15Papillion$1,941
16West Point$1,953
17Seward$1,971
18Beatrice$1,976
19Wayne$1,976
20David City$1,977
21Auburn$1,979
22Crete$2,000
23Alliance$2,002
24Minden$2,004
25Bellevue$2,006
26Schuyler$2,013
27Falls City$2,016
28Cozad$2,019
29Plattsmouth$2,033
30North Platte$2,042
31Wahoo$2,043
32Gothenburg$2,045
33Gretna$2,049
34O'Neill$2,049
35Valley$2,056
36Fairbury$2,060
37South Sioux City$2,069
38Waverly$2,074
39Ogallala$2,090
40Sidney$2,100
41Valentine$2,101
42Broken Bow$2,105
43Lexington$2,126
44Gering$2,134
45Scottsbluff$2,137
46Blair$2,145
47McCook$2,161
48Chadron$2,186
49Ashland$2,197
50Omaha$2,224

Methodology

We collected quotes from eight major insurers across hundreds of cities in Nebraska. These quotes used a profile of a 30-year-old male driving a 2015 Honda Civic EX. The sample driver had a credit score that was below average.

The first quotes in the piece are for a policy that only meets Nebraska's minimum state requirements. Otherwise, our driver was seeking a full coverage policy with these limits:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $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 insurer filings and should be used for comparative purposes only — your own quotes may be different.

Comments and Questions

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