- Auto-Owners has the cheapest car insurance rates in Nebraska for full coverage at $99 a month among the companies analyzed by the team of CarInsurance.com.
- In Nebraska, drivers with clean driving records pay 42% less than drivers with a DUI.
- The city of Lincoln has the lowest auto insurance rates in Nebraska, with an average premium of $1,668 per year.
- You can save up to 38% per year on your car insurance policy in Nebraska by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Nebraska for $99 a month from Auto-Owners. It saves you $60 compared to the state average car insurance cost of $159 monthly.
Shopping for car insurance in Nebraska can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Nebraska should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Car insurance companies with cheap car insurance in Nebraska
Auto-Owners has the cheapest full coverage car insurance in Nebraska, at an average premium of $99 per month or around $1,193 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Nebraska. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Nebraska per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $99 |
| Nationwide | $101 |
| Shelter Insurance | $137 |
| Farmers Mut Ins Co of NE | $159 |
| Progressive | $164 |
| State Farm | $195 |
| GEICO | $198 |
| Iowa Farm Bureau | $202 |
| Allstate | $218 |
| USAA* | $111 |
Note: USAA is only available to military community members and their families.
Nebraska drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- Nebraska drivers with clean records pay 42% less than drivers who have a DUI on their record.
- Nebraska drivers in their 20s pay 59% lower rates for insurance than a 16-year-old in Nebraska.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 22% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest companies for different coverage levels in Nebraska
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- GEICO has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Nebraska.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Nebraska
In Nebraska, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Nebraska’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| GEICO | $242 |
| Auto-Owners | $255 |
| Progressive | $265 |
| Farmers Mut Ins Co of NE | $277 |
| Nationwide | $314 |
| Shelter Insurance | $345 |
| Iowa Farm Bureau | $360 |
| State Farm | $409 |
| Allstate | $602 |
| USAA* | $239 |
Note: USAA is only available to military community members and their families.
Cheapest Nebraska insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Nebraska’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| GEICO | $272 |
| Auto-Owners | $283 |
| Farmers Mut Ins Co of NE | $301 |
| Progressive | $321 |
| Nationwide | $330 |
| Shelter Insurance | $402 |
| Iowa Farm Bureau | $406 |
| State Farm | $469 |
| Allstate | $658 |
| USAA* | $277 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Nebraska for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Nebraska based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $1,193 |
| Nationwide | $1,216 |
| Shelter Insurance | $1,647 |
| Farmers Mut Ins Co of NE | $1,910 |
| Progressive | $1,964 |
| State Farm | $2,344 |
| GEICO | $2,372 |
| Iowa Farm Bureau | $2,430 |
| Allstate | $2,621 |
| USAA* | $1,328 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Nebraska by driving history
Your driving history impacts insurance premiums in Nebraska, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Nebraska, drivers with a history of traffic violation pay an average of $732 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Nebraska after a speeding ticket
If you have a speeding ticket on your Nebraska driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,295 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,062 | $1,295 | 22% | $233 |
| GEICO | $1,368 | $1,474 | 8% | $106 |
| Auto-Owners | $1,226 | $1,611 | 31% | $384 |
| Allstate | $1,747 | $1,908 | 9% | $161 |
| State Farm | $1,806 | $1,942 | 8% | $137 |
| Farmers | $1,881 | $2,471 | 31% | $591 |
| Progressive | $2,193 | $2,683 | 22% | $490 |
| Auto Club Enterprises (AAA) | $4,047 | $6,011 | 49% | $1,964 |
| Automobile Club of MI (AAA) | $4,530 | $6,289 | 39% | $1,759 |
| USAA* | $1,170 | $1,456 | 24% | $285 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Nebraska after a DUI conviction
Nebraska drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,942 a year, followed by Nationwide with an annual premium of $2,152 annually, based on recent data.
If you have a clean record, you are likely to pay 42% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,806 | $1,942 | 8% | $137 |
| Nationwide | $1,062 | $2,152 | 103% | $1,089 |
| Allstate | $1,747 | $2,240 | 28% | $493 |
| Progressive | $2,193 | $2,399 | 9% | $206 |
| Auto-Owners | $1,226 | $2,518 | 105% | $1,291 |
| Farmers | $1,881 | $2,566 | 36% | $685 |
| GEICO | $1,368 | $4,581 | 235% | $3,213 |
| Automobile Club of MI (AAA) | $4,530 | $8,082 | 78% | $3,552 |
| Auto Club Enterprises (AAA) | $4,047 | $8,095 | 100% | $4,048 |
| USAA* | $1,170 | $2,416 | 106% | $1,245 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Nebraska after an at-fault accident
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $1,467 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,818.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,226 | $1,467 | 20% | $240 |
| Nationwide | $1,062 | $1,818 | 71% | $756 |
| State Farm | $1,806 | $2,079 | 15% | $274 |
| Allstate | $1,747 | $2,432 | 39% | $685 |
| Farmers | $1,881 | $2,679 | 42% | $798 |
| GEICO | $1,368 | $2,842 | 108% | $1,474 |
| Progressive | $2,193 | $3,347 | 53% | $1,154 |
| Auto Club Enterprises (AAA) | $4,047 | $5,098 | 26% | $1,051 |
| Automobile Club of MI (AAA) | $4,530 | $5,503 | 21% | $973 |
| USAA* | $1,170 | $1,738 | 49% | $568 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Nebraska
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Nebraska, Lincoln stands out as the city with the lowest auto insurance rates, at an average of $1,668 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Nebraska with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Lincoln | $1,668 |
| La Vista | $1,722 |
| Papillion | $1,723 |
| Melia-Forest City | $1,723 |
| Springfield | $1,724 |
| Fremont | $1,740 |
| Plattsmouth | $1,749 |
| Laurel | $1,750 |
| York | $1,750 |
| Aurora | $1,753 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Nebraska?
Shopping around for car insurance quotes in Nebraska can help drivers save 38% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Nebraska: Save on premiums
Nebraska drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Nebraska.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 3% | $45 |
| Daily commute | 8% | $138 |
| Days advanced purchase | 7% | $156 |
| Days per week driven | 5% | $95 |
| Education | 4% | $94 |
| Electronic funds transfer | 2% | $62 |
| Homeowner | 4% | $93 |
| Lower annual mileage | 6% | $167 |
| Loyalty – years renewal with company | 6% | $132 |
| Marital status | 7% | $164 |
| Multi policy | 7% | $147 |
| Paperless/electornic documents | 3% | $63 |
| Payment type | 9% | $192 |
| Primary use | 11% | $207 |
| Profession | 12% | $391 |
| Safety devices | 3% | $82 |
| Telematics | 10% | $335 |
| Years insured | 22% | $687 |
| Years licensed | 27% | $1,077 |
The bottom line on cheap car insurance in Nebraska
Based on our research, if you are a good driver, Auto-Owners is the cheapest in Nebraska for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Nebraska is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Nebraska for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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