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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. To see how much costs can differ for the same policy, enter your ZIP code, age group, gender and preferred coverage level in the tool below.

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Nebraska Car Insurance Rates by ZIP Code

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Coverage Types
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State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
68110, Omaha,  For 30 Year Old  Male  (Type:  Liability - Minimum )
Average Monthly Premium
$54
Highest Rate
$81/mo
Lowest Rate
$34/mo
Compare personalized quotes from up to 20 companies in Nebraska now

Cheap car insurance in Nebraska

Nebraska car insurance requirements

Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$25,000
Uninsured/underinsured motorist bodily injury$25,000/$50,000

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Nebraska, collision costs an average of $408 yearly, comprehensive is $343, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Coverage limitsAverage annual rate
Liability Only - state minimum$329
Liability Only - 50/100/50 BI/PD$344
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,113

**The table shows the average annual rate of nearly every ZIP code in Nebraska from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Cheapest car insurance in Nebraska by company

Below you'll see average annual rates for Nebraska, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Allied Prop & Cas Ins Co$286$310$711
Allstate Fire & Cas Ins Co$406$441$1,393
Geico Gen Ins Co$255$272$978
Mid Century Ins Co$389$402$1,192
Progressive Northern Ins Co$374$338$1,403
State Farm Mut Auto Ins Co$262$303$1,003

Low cost auto insurance for Nebraska drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Nebraska driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allied P&C$1,490$2,919$1,490
Allstate F&C$1,804$2,490$1,804
GEICO General$1,316$2,375$1,175
Mid-Century Ins Co$1,882$2,291$1,882
Progressive Northern$2,108$5,422$2,108
State Farm Mutual Auto$1,243$1,578$1,243

*The table shows the average annual rate of nearly every ZIP code in Nebraska from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Who has the cheapest Nebraska car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,295, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
State Farm Mutual Auto$927
Allied P&C$1,117
Mid-Century Ins Co$1,718
Allstate F&C$1,772
GEICO General$2,146
Progressive Northern$2,222

How much does it cost to add a teen to your policy in Nebraska?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Nebraska, you can expect your rate to go up by an average of 168 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Nebraska, and how major insurers compare on price. State Farm Mutual Auto had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allied P&C$1,099$1,799$700$2,183$1,083
Allstate F&C$1,607$3,755$2,148$4,130$2,523
GEICO General$959$2,349$1,391$3,111$2,152
Mid-Century Ins Co$1,375$3,232$1,857$3,245$1,871
Progressive Northern$1,811$4,365$2,554$4,938$3,126
State Farm Mutual Auto$871$1,861$990$3,087$2,216

Cheapest Nebraska auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in Nebraska, by company.

You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Senior drivers: Cheap auto insurance for Nebraska drivers age 65 to 85

Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.

Car insurance for Nebraska drivers with bad credit

Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Nebraska ranks 21st  among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in Nebraska with bad credit pay 71 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $2,006 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

CompanyPoor credit
GEICO General$1,371
Allied P&C$1,556
State Farm Mutual Auto$2,048
Allstate F&C$2,421
Mid-Century Ins Co$2,443
Progressive Northern$3,377

Best car insurance companies in Nebraska

Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

RankCompanyScore
1CSAA Insurance Group93.43
2USAA92.08
3Allstate90.18
4Liberty Mutual88.21
5American Family88.14
6Erie87.41
7The Auto Club Group (ACG) - AAA87.21
8Auto Club of Southern California (Auto Club Enterprise Insurance Group)86.86
9Progressive85.66
10Esurance85.22
11Geico84.11
12Nationwide83.80
13Safeco83.67
14Farmers83.25
15Metlife83.11
16State Farm82.34
17Travelers82.22
18Hartford81.19
19The General79.03

 

Largest car insurance companies in Nebraska

RankCompanyPremiums WrittenMarket Share
1State Farm Group289,76323.13%
2Progressive Insurance Group156,31512.48%
3American Family Insurance Group101,2388.08%
4Berkshire Hathaway Insurance Group70,9865.67%
5Nationwide Group67,7495.41%
6Allstate Insurance Group60,8684.86%
7USAA Group53,9824.31%
8Farmers Insurance Group43,0843.44%
9Liberty Mutual Insurance Companies33,1702.65%
10Travelers Group21,4891.72%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Nebraska Car Insurance Laws

RoadsNumber of Fatal Accidents
I-8019
US-3012
US-758
US-817
US-266
US-65
US-2815
US-2755
US-834
I-4804

Nebraska’s basic liability 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: If caught driving without insurance in 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.

Average annual car insurance rates for major cities in Nebraska

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Show Tablular Data
CityAverage Premium
Fremont$1,248
Grand Island$1,228
Kearney$1,292
Lincoln$1,200
Omaha$1,596
Nebraska$1,433
National$1,679
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Get quick car insurance estimates in NE
Enter a valid zip