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.
Find Cheap Auto Insurance Quotes in Nebraska
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.
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.
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:
Find Cheap Auto Insurance Quotes in Nebraska
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%.
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.
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.
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.
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.
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.
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.
*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.
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.
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.
Percent of respondents overall extremely satisfied with most recent claim
Percent of respondents who rated customer service as "excellent"
|2||American Family (AmFam)||86%||50%|
*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.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (Higher is better)
AM Best Financial Strength Rating
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.
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.
Average annual cost
Percent from average
Nebraska rate changes by company
In Nebraska, auto insurance providers decreased their premiums in 2020 by 2%, continuing the trend of lower premium rates from the previous year. State Farm showed the most significant decrease in premiums, reducing prices 7.3% compared to 2019. Additionally, other companies in Nebraska also offered decreased premiums in 2020, such as Progressive, which lowered rates 3.2% compared to 2019.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|Farmers Mutual of Nebraska||$126.5||0.0%||0.0%|
|Iowa Farm Bureau||$86.2||-1.4%||1.2%|
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
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:
|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.