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Nebraska

Nebraska Car Insurance Rates


Nebraska’s largest city, Omaha, has the most costly state car insurance rates, but its second-largest city, Lincoln, has the cheapest. You can see every city and town in Nebraska mapped out below. No matter where you live, the difference between car insurance companies can be hundreds of dollars.

Nebraska car insurance requirements

Nebraska state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000

Nebraska Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Nebraska
  • 68110: $1,334
    OMAHA
  • 68111: $1,315
    OMAHA
  • 68104: $1,298
    OMAHA
  • 68112: $1,287
    OMAHA
 
Cheapest Neighborhoods
In Nebraska
  • 68504: $918
    LINCOLN
  • 68505: $965
    LINCOLN
  • 68507: $968
    LINCOLN
  • 68521: $969
    LINCOLN


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What you need to know about car insurance in Nebraska

Penny Gusner
CarInsurance.com
Consumer Analyst

Nebraska’s basic car insurance requirements of $25,000 bodily injury liability per person and $50,000 per accident, plus $25,000 for property damage liability, are substantial enough to protect many drivers. If you have assets such as a business, home or savings, you should consider increasing those limits to match.

Nebraska also requires uninsured and underinsured motorist coverage for bodily injuries.

Alternative forms of financial responsibility: Besides a Nebraska auto insurance policy, state laws provide that it’s acceptable for motorists to show proof of financial responsibility with one of the following:

  • Bond of $75,000 issued by a surety company authorized in Nebraska
  • Property bond conditioned for the payment of up to $75,000
  • Certificate of deposit or money or securities of $75,000
  • Certificate of self-insurance issued by the Nebraska Department of Motor Vehicles

Proof required for registration: To register your vehicle, you must have acceptable proof of financial responsibility.

Uninsured motorist penalties for Nebraska: You may be fined up to $1,000, your license and registration may be suspended, you may be sentenced to six months in jail and you could be required to file an SR-22 form.

School permit for young teens: At 14 years 2 months a teenager can request a permit that will allow the individual to drive a motor vehicle, moped or motorcycle to and from school if the teenager meets very specific conditions described on the Nebraska Department of Motor Vehicles website. Otherwise a teen must wait until age 15 to get a learner’s permit.

Largest car insurance companies for Nebraska by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 232,792 23.56
2 Progressive Insurance Group 120,525 12.20
3 Farmers Mutual Insurance Company of NE 82,369 8.34
4 Amer Family Insurance Group 79,742 8.07
5 Farm Bureau P&C Group 74,533 7.54
6 Nationwide Group 60,094 6.08
7 Farmers Insurance Group 46,010 4.66
8 Berkshire Hathaway Insurance 42,822 4.33
9 Allstate Insurance Group 40,400 4.09
10 USAA Group 36,369 3.68
Source: A.M. Best market share Rankings are based on direct premiums written in 2013.