- 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.
The cheapest full coverage car insurance in Nebraska is $99, saving you $60 compared to the average cost of insurance in the state, which is around $159 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Nebraska, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Which company offers the cheapest car insurance in Nebraska?
Auto-Owners offers the cheapest car insurance rates in Nebraska for a full coverage policy with an average premium of $99 per month or around $1,193 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Nebraska by different insurance carriers for a full coverage policy.
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.
Who pays the lowest auto insurance premiums in Nebraska?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- 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 state minimum coverage in Nebraska
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Nebraska, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Nebraska, ranked from cheapest to most expensive for state minimum coverage.
| 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 insurance providers for liability-only coverage in Nebraska
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Nebraska, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance in Nebraska by driving history
In Nebraska, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Nebraska, drivers with a history of such violations typically pay $732 more annually than drivers with clean records.
Cheap car insurance rates in Nebraska after a speeding ticket
A speeding ticket can impact your Nebraska car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,295 a 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 in Nebraska after a DUI conviction
State Farm offers the cheapest car insurance to Nebraska drivers with a DUI conviction at $1,942 per year and Nationwide has the second-cheapest insurance premiums at $2,152 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 42% less than those with a history of 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 after an at-fault accident in Nebraska
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,467.
Nationwide is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,818.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
Nebraska cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Lincoln is the city with the lowest premiums in Nebraska at an annual auto insurance rate of $1,668.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Nebraska cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in Nebraska
If you compare car insurance quotes, you could enjoy an annual saving of around 38% on a full coverage policy in Nebraska.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
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 |
Final thoughts on cheap car insurance in Nebraska
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in Nebraska for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Nebraska, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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