Best Cheap Auto Insurance Rates in Nebraska

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:

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.

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.

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.

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

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.

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%.

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:

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.

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:

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.

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

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

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

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}

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

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.

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:

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.