Car insurance costs in Nebraska vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Nebraska at $1,193 annually.
This guide makes buying car insurance in Nebraska easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Nebraska works and how much insurance you need.
- The average cost of car insurance in Nebraska is $1,902 a year or $159 per month, based on our data analysis.
- Minimum liability coverage in Nebraska costs around $331 annually for limits of 25/50/25, while liability-only coverage costs $373 per year for limits of 50/100/50.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Nebraska, costing $1,193 per year.
- In Nebraska, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 74%, and an at-fault accident by up to 42%.
How much is car insurance in Nebraska?
According to CarInsurance.com data, drivers in Nebraska pay about $159 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Nebraska based on driver profile:
- Teen drivers in Nebraska pay the most — about $465 a month or $5,585 a year.
- Young drivers in their 20s pay an average of $247 monthly or $2,963 annually, for car insurance.
- Senior drivers pay around $144 monthly or $1,722 a year.
- A speeding ticket can increase your rates to $222 monthly or $2,664 annually.
- An at-fault accident increases car insurance rates to $258 a month or $3,100 a year.
- Poor credit drivers usually see their car insurance costs increase to $345 monthly or $4,144 annually.
Average cost of auto insurance in Nebraska by coverage level
In Nebraska, car insurance rates can differ depending on how much coverage you choose. Drivers in Nebraska are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Nebraska, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Nebraska for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $28 | $331 |
| Liability Only – 50/100/50 BI/PD | $31 | $373 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 | $1,902 |
State minimum car insurance in Nebraska
In Nebraska, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum car insurance cost in Nebraska is $331 a year. However, this basic coverage only offers limited protection. Nebraska drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Nebraska must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Nebraska
The average cost of liability-only insurance in Nebraska is $373 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Nebraska
The average annual premium in Nebraska is $1,902 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Nebraska
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in Nebraska have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Nebraska
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Nebraska by car model
In Nebraska, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Nebraska.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Nebraska
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Nebraska, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,841 annually.
Nebraska drivers aged 16-19 pay $3,744 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,585 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,851 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,841 per year in Nebraska.
- For senior drivers: Drivers age 65 and older can expect to pay $1,722 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Nebraska
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Nebraska, a DUI conviction often results in higher premiums and you may see an increase of up to 74% as insurers perceive you as a high-risk driver.
If you get caught speeding in Nebraska, your car insurance rates will increase by 26% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here is how much your car insurance rate increases in Nebraska after driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 42% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Nebraska for high-risk drivers
In Nebraska, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Nebraska
In Nebraska, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in Nebraska by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Nebraska and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $255 | $283 | $1,193 |
| Nationwide | $314 | $330 | $1,216 |
| Shelter Insurance | $345 | $402 | $1,647 |
| Farmers Mut Ins Co of NE | $277 | $301 | $1,910 |
| Progressive | $265 | $321 | $1,964 |
| State Farm | $409 | $469 | $2,344 |
| GEICO | $242 | $272 | $2,372 |
| Iowa Farm Bureau | $360 | $406 | $2,430 |
| Allstate | $602 | $658 | $2,621 |
| USAA | $239 | $277 | $1,328 |
Car insurance rates by city in Nebraska
Hayes Center is the priciest city in Nebraska for car insurance, costing an average of $2,273 annually. On the other hand, Lincoln is the most affordable city, where drivers pay an average of $1,668 per year for car insurance.
Car insurance costs differ from city to city in Nebraska, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
The table below shows the average annual car insurance premiums for Nebraska’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Nebraska per month?
In Nebraska, a full coverage car insurance policy with 100/300/100 limits typically costs about $159 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $28 |
| Liability Only – 50/100/50 BI/PD | $31 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 |
Final thoughts on choosing car insurance in Nebraska
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Nebraska.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Nebraska. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
