Best Cheap Auto Insurance Quotes in Nebraska (2023)
Best Cheap Auto Insurance Quotes in Nebraska (2023)
Farmers Mutual of Nebraska has the best cheap car insurance in Nebraska, at just $21 per month for a minimum liability policy.
Best cheap car insurance in Nebraska
To help drivers find the best cheap auto insurance in Nebraska, our editorial team gathered quotes from top companies across each ZIP code in the state. Rates for minimum-coverage policies meet the Nebraska state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, and the same amount of uninsured motorist coverage, along with $25,000 in property damage protection. Full-coverage quotes include higher liability limits than state minimums in addition to collision and comprehensive coverage.
We also ranked Nebraska's best auto insurance companies based on customer service ratings, coverage availability, convenience and the cost of coverage for different drivers.
Cheapest auto insurance quotes in Nebraska: Farmers Mutual
Farmers Mutual of Nebraska is the cheapest car insurance company for a minimum liability policy, at $21 per month. Quotes at Farmers Mutual are 47% cheaper than the average cost of minimum liability coverage in Nebraska.
The average cost of car insurance in Nebraska is $485 per year, or $40 per month, for a minimum liability policy.
Find Cheap Auto Insurance Quotes in Nebraska
Cheapest minimum coverage car insurance in Nebraska
Company | Monthly rate | |
|---|---|---|
| Farmers Mutual of Nebraska | $21 |
| Farm Bureau | $27 |
| State Farm | $32 |
| Progressive | $33 |
| American Family | $36 |
USAA is only available to current and former military members and their families.
A minimum liability car insurance policy in Nebraska will have the cheapest rates, but it will also leave you without coverage for any damage to your car if you are at fault in an accident. You may also have to pay if the other driver's injuries or property damage exceeds your minimum coverage limit.
Cheapest full-coverage car insurance in Nebraska: Nationwide
Nationwide is the cheapest company in Nebraska for a full-coverage policy, at $110 per month.
Nationwide is only a little cheaper than Farmers Mutual and State Farm. These top companies all offer quotes under $130 per month, cheaper than the average monthly cost of a full-coverage policy in Nebraska, which is $142.
Company | Monthly rate |
|---|---|
| Nationwide | $110 |
| Farmers Mutual of Nebraska | $113 |
| State Farm | $120 |
| Farm Bureau | $128 |
| American Family | $130 |
USAA is only available to current and former military members and their families.
Auto insurance policies with full coverage include more liability protection than the state minimum, as well as comprehensive and collision coverage. Together, collision and comprehensive insurance reimburse you for damage to your car after an accident, as well as situations like vandalism or theft. Buying full coverage is required if you have a car loan or lease, and it's also worth it if your car is valuable enough that you wouldn't be able to cover repairs out of pocket after an at-fault accident.
Cheapest car insurance for Nebraska drivers with prior incidents
The average cost of car insurance in Nebraska typically increases if you have a ticket or DUI (driving under the influence), or if you've been in an at-fault accident. Farmers Mutual, State Farm and American Family tend to offer the best rates to higher-risk drivers.
Find Cheap Auto Insurance Quotes in Nebraska
Cheapest car insurance for Nebraska drivers with a speeding ticket: Farmers Mutual
Farmers Mutual has the cheapest rates for Nebraska drivers who have been caught speeding, with an average price of $124 per month for full coverage after one ticket.
Compared to the average cost for drivers with a speeding ticket, Farmers Mutual's rates are about 27% cheaper.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $124 |
| State Farm | $129 |
| American Family | $130 |
| Farm Bureau | $145 |
| Nationwide | $165 |
Drivers in Nebraska with a speeding ticket see their rates increase by an average of 20% — a large spike but not as sharp as the rate increase after an at-fault accident or DUI.
Cheapest quotes for drivers in Nebraska after an accident: State Farm
State Farm offers the cheapest rates for Nebraska drivers with an at-fault accident. The company raises rates to $138 per month for full coverage, on average. That's still $57 less per month than the average price statewide, $195 per month.
Company | Monthly rate |
|---|---|
| State Farm | $138 |
| Farmers Mutual of Nebraska | $138 |
| American Family | $154 |
| Nationwide | $191 |
| Farm Bureau | $202 |
Some companies in Nebraska, such as Farmers, increase annual rates by more than $1,000 after an at-fault accident. The different amounts companies penalize a driver for an at-fault accident show the value of shopping around when your driving record changes.
Cheapest DUI quotes in Nebraska: American Family
American Family has the cheapest full-coverage rates for Nebraska drivers with a DUI. AmFam's quotes are 38% more affordable than average. If you get caught driving under the influence on Nebraska roads, your rate will increase by an average of 49%.
Company | Monthly rate |
|---|---|
| American Family | $130 |
| Farm Bureau | $145 |
| Progressive | $164 |
| Farmers Mutual of Nebraska | $225 |
| Nationwide | $225 |
Cheapest car insurance for drivers with poor credit: Farmers Mutual of Nebraska
Farmers Mutual offers the most affordable rates to Nebraska drivers with poor credit. At $164 per month for full coverage, its rate is 40% cheaper than average.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $164 |
| Nationwide | $171 |
| American Family | $222 |
| Farm Bureau | $237 |
| Allstate | $306 |
Credit scores have a big impact on auto insurance rates in Nebraska. Drivers with poor credit in Nebraska pay 93% more than drivers with good credit.
Cheapest car insurance for young drivers in Nebraska: Farmers Mutual
Farmers Mutual has the cheapest quotes for young drivers in Nebraska, charging $51 monthly for liability-only coverage and $221 for full coverage.
The average 18-year-old driver in Nebraska pays more than double what older drivers do. The average monthly cost of full coverage for young drivers is $385, 171% more than a 30-year-old driver typically pays.
Young drivers in the military or in a military family can also snag cheap coverage with USAA, with rates averaging $64 per month for minimum coverage.
Cheapest car insurance for teens in Nebraska
Company | Liability only | Full coverage |
|---|---|---|
| Farmers Mutual of Nebraska | $51 | $221 |
| Farm Bureau | $94 | $283 |
| State Farm | $108 | $342 |
| American Family | $111 | $304 |
| Nationwide | $148 | $415 |
Cheapest quotes for Nebraska teen drivers with a speeding ticket: Farmers Mutual
Farmers Mutual is your best bet for affordable minimum coverage if you're a young Nebraskan driver with a citation for speeding. Young drivers who have one speeding ticket pay 64% less than average with Farmers Mutual.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $56 |
| Farm Bureau | $107 |
| American Family | $111 |
| State Farm | $119 |
| Progressive | $155 |
Cheapest rates for young drivers after an accident in Nebraska: Farmers Mutual
Farmers Mutual is the cheapest option for young Nebraska drivers who have been in an at-fault accident. Farmers Mutual's rate of $62 per month for minimum coverage is 63% cheaper than average.
Accidents typically cause the cost of car insurance to increase by 25% for younger drivers.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $62 |
| State Farm | $131 |
| American Family | $135 |
| Farm Bureau | $149 |
| Nationwide | $162 |
Cheapest Nebraska car insurance quotes for married drivers: Farmers Mutual
Farmers Mutual has the lowest quote in Nebraska, on average, for married drivers, at $97 per month. It's followed by Nationwide, which offers full coverage for $101 per month.
Married drivers tend to pay slightly less for car insurance because they file fewer car insurance claims than single drivers. Married Nebraska drivers pay about 9% less per year than single drivers.
Cheapest car insurance for married drivers in Nebraska
Company | Monthly rate per car |
|---|---|
| Farmers Mutual of Nebraska | $97 |
| Nationwide | $101 |
| Progressive | $111 |
| State Farm | $120 |
| Farm Bureau | $124 |
Best auto insurance companies in Nebraska
Farm Bureau is the best insurance company in Nebraska, based on our editor's rating, which considers customer service, affordable rates and coverage options.
State Farm and USAA are great companies as well. These companies both earned high marks from customers and our editors. But keep in mind that USAA is only available to people who are affiliated with the military.
Best-rated car insurance in Nebraska
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Nationwide | 815 | A+ | |
| American Family | 838 | A |
Average car insurance quotes in Nebraska by city
Drivers in Bradshaw pay the least for car insurance in Nebraska, with an average monthly quote of $129 for full coverage, while drivers in Wauneta pay the most, with an average rate of $161 per month.
As a general rule, car insurance costs more if you live in an area with a higher rate of car accidents and auto theft.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Abie | $135 | -5% |
| Albion | $138 | -2% |
| Alda | $133 | -6% |
| Alexandria | $139 | -2% |
| Allen | $133 | -6% |
Minimum requirements for auto insurance coverage in Nebraska
In Nebraska, you need at least $25,000/$50,000 of bodily injury liability coverage, the same amount of uninsured motorist protection and $25,000 of property damage coverage. Limits in the Cornhusker State are higher than in some other states but do not include any coverage outside of liability.
- $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
Frequently asked questions
How much is car insurance in Nebraska?
Minimum-coverage car insurance costs $40 per month or $485 per year in Nebraska, on average. A full-coverage policy costs $142 per month or $1,702 per year.
What is the cheapest car insurance in Nebraska?
Farmers Mutual of Nebraska offers the cheapest insurance for minimum coverage ($21 per month), while Nationwide is the best option for full coverage ($110 per month).
What is the penalty for driving without insurance in Nebraska?
Driving without insurance in Nebraska is a Class II misdemeanor. If you're caught without insurance during a traffic stop, your license and registration will be immediately suspended until you provide proof of insurance.
If you're able to provide proof of insurance within 10 days, you'll avoid more penalties. However, after those 10 days, you'll be charged reinstatement fees for both your license and vehicle registration, which cost $50 each, along with a fee to renew your license plates. You will also be required to have SR-22 insurance for three years.
How much does car insurance cost in Lincoln, Nebraska?
Drivers in Lincoln, Nebraska, can expect to pay $134 per month or $1,602 per year for a full-coverage policy.
Methodology
We collected thousands of rates from ZIP codes across Nebraska for the largest auto insurance companies in the state. Quotes are for a 30-year-old male driver with good credit who drives a 2015 Honda Civic EX.
All quotes are for a full-coverage policy and a clean record unless otherwise noted. Full coverage includes comprehensive and collision coverage, as well as more liability coverage than the state requires:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.