Who Has The Cheapest Renters Insurance Quotes in Nebraska?

To see who has the most expensive and cheapest renters insurance rates in Nebraska, we collected and analyzed quotes for an example rental - 1,000 sq ft in size, with $100,000 of liability coverage - across 41 locations and five insurers. Our data shows that the most expensive location cost 15% more than the spot with the cheapest renters insurance in Nebraska. Individual tenants' rates will differ according to their dwelling and coverage. Read more below, or enter your zip code above to begin searching for renters insurance quotes. 

Cheapest Renters Insurance in Nebraska

To find the cheapest renters insurance in Nebraska, we collected quotes from State Farm, Nationwide, Allstate, Liberty Mutual, and Farmers for a 1,000 square-foot residence. According to our sample renters policy, State Farm offered the most affordable average annual rate at $159, which is 26% cheaper than the average rate for the state. Below are the average annual rates for carriers of insurance in Nebraska, ranked from most affordable to least affordable:

RankCheapest Renters Insurance CompanyAnnual Average Rates
1 State Farm $159
2 Nationwide 167
3 Allstate 195
4 Liberty Mutual 256
5 Farmers 293
Average 214

These rates were for a profiled property. To find the best rates for yourself, we recommend looking at quotes from multiple renters insurance companies and comparing them.

Best Renters Insurance Rates in Nebraska: by City

The five places with the cheapest renters insurance in Nebraska are all located in the eastern half of the state. Blair ranks with the best renters insurance rates, with premiums for our sample unit 6.5% lower than the state average.

RankCityAverage Annual Rate*% Difference vs State Average
1 Blair $200 -6.5%
2 Ashland 200 -6.3%
3 Aurora 201 -6.1%
4 Ord 204 -4.8%
5 Bellevue 207 -3.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Blair, NE

Blair takes the top spot for the most affordable renters insurance rates in Nebraska. The city was formed with the arrival of the Pacific Railroad and named after railroad official John I. Blair. Today, the city has almost 8,000 residents and is part of the Omaha-Council Bluffs Metropolitan Statistical Area. Renters insurance premiums in Blair are 6.5% lower than the state average for the example unit we studied. 

Ashland, NE

Ashland is known for its cobblestone streets in the downtown historic district and rich pioneer history. The local Salt Creek was muddy and a formidable part of the Oxbow Trail, a route taken by many western pioneers. Ashland also is home to Mahoney State Park, the Strategic Air and Space Museum and Wildlife Safari Park. The city has some of the best renters insurance rates in Nebraska, with premiums 6.3% lower than the state average.

Aurora, NE

Right off of Interstate 80 in central Nebraska, Aurora has nearly 4,500 residents and is recognized for its economic and community development. Based on our insurance cost study, Aurora ranked with the third cheapest renters insurance in Nebraska. Premiums for our benchmark rental unit in Aurora are 6.1% lower than the state average. 

Ord, NE

The vibrant city of Ord has about 2,100 residents. It’s located in the North Loup Valley located on the eastern edge of the Sandhills in Nebraska. As recognized by The New York Times and NPR, Ord is a progressive rural community with business opportunity, recreational activities and a hometown feel. Renters insurance rates are 4.8% lower than the state average, which places Ord with the fourth lowest rates for insuring our rental unit in Nebraska.

Bellevue, NE

Early trappers in the area named the town Bellevue because of its picturesque beauty. Bellevue became the headquarters for United States Strategic Command and the Air Force Weather Agency shortly after World War II. Chad Sexton, drummer for Omaha rock band 311, is from Bellevue. Renters insurance quotes in Bellevue are 3.4% lower than the state average, rounding out the top five places with low-cost rental insurance in Nebraska.

Most Expensive Renters Insurance in Nebraska

All but one of the top five most expensive places for renters insurance in Nebraska are in the western half of the state. The only exception is the city with the most expensive rates, Ralston, where premiums are 6.8% higher than the state average. The others are all located relatively near the Colorado border.

RankCityAverage Annual Rate*% Difference vs State Average
1 Ralston $229 6.8%
2 Kimball 222 3.6%
3 Wauneta 221 3.4%
4 Sidney 220 2.9%
5 Imperial 220 2.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Ralston, NE

The place with the most expensive renters insurance in Nebraska is Ralston, a city with almost 6,000 residents. The area once was a farm owned by Dr. George Miller, who sold the land to the Ralston Townsite Company in 1907. Ralston was nearly completely destroyed by a tornado in 1913, but it was later rebuilt by the efforts of its citizens. Today, residents enjoy minor league sporting events at the new Ralston Arena. Premiums for renters insurance are 6.8% higher in Ralston than the state average. 

Kimball, NE

Located in rural west Nebraska and the Lodgepole Valley, Kimball is one of the highest points in the Cornhusker State. It has just under 2,500 residents and Panorama Point and other outdoor recreations are enjoyed by locals and visitors alike. Compared to the state average, renters insurance quotes in Kimball are 3.6% higher. 

Wauneta, NE

Wauneta, Nebraska is a small, rural village with about 500 residents. It has a few places registered as historic places, including the Wauneta Roller Mills and the Lovette site, which is just northwest of the village. It was originally built as a division of the railroad connecting to Chicago, when the railroad finally reached the town in 1892. Dr. George S. Metclaf, a famous historian and archeologist that worked for the Smithsonian Institution is originally from Wauneta. Renters insurance premiums in Wauneta are 3.4% higher than the average in the state. 

Sidney, NE

The plan of the community was laid out by the Union Pacific Railroad in the year 1867. Once established, it was named in honor of Sidney Dillon, who was the President of the Union Pacific at that time. A military outpost was established in the area as a result of the frequent problems between railroad workers and Native Americans. Today, the city has a population of more than 6,700 residents and has seen economic growth due to the increased number of wind farms in the area. Quotes for the study sample property were 2.9% higher than the state average. 

Imperial, NE

Once the rail line connecting to Chicago was built, Imperial’s growth surged. Today, with a population of about 2,000, the area has a strong agricultural presence and serves as a sale and service hub for the surrounding county as it continues to develop. Premiums are 2.9% higher than the state average for insuring our study's profiled rental unit.

Average Cost of Renters Insurance in Arkansas: by City

Our comparative study of renters insurance premiums in Nebraska was done by gathering and analyzing quotes from five major carriers across 41 cities in the state. Our analysis showed premiums from the most expensive place were 15% higher than the cheapest place in the state. The rest of the cities and towns located in our NE study are listed below:

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Nebraska. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate*% Difference vs State Average
6 Alliance $207 -3.3%
2 Ashland 200 -6.3%
3 Aurora 201 -6.1%
11 Beatrice 213 -0.6%
5 Bellevue 207 -3.4%
1 Blair 200 -6.5%
17 Broken Bow 215 0.4%
18 Burwell 215 0.4%
19 Cambridge 215 0.4%
15 Columbus 214 0.2%
20 Cozad 215 0.4%
16 Creighton 214 0.2%
12 Fremont 213 -0.4%
21 Gothenburg 215 0.4%
9 Grand Island 212 -0.8%
10 Hastings 212 -0.8%
37 Imperial 220 2.9%
32 Kearney 217 1.5%
40 Kimball 222 3.6%
28 Lexington 216 1.1%
34 Lincoln 219 2.2%
27 Mc Cook 216 1.0%
33 Nebraska City 218 1.7%
13 Neligh 214 0.0%
26 Norfolk 216 0.9%
29 North Platte 217 1.4%
36 Omaha 219 2.4%
4 Ord 204 -4.8%
7 Papillion 208 -2.8%
41 Ralston 229 6.8%
8 Scottsbluff 208 -2.6%
30 Seward 217 1.4%
38 Sidney 220 2.9%
22 South Sioux City 215 0.4%
14 Superior 214 0.0%
23 Tekamah 215 0.4%
24 Wahoo 215 0.6%
39 Wauneta 221 3.4%
35 Waverly 219 2.2%
25 West Point 215 0.6%
31 York 217 1.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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