The cheapest car insurance in Nebraska costs $99 per month for a full coverage policy from Auto-Owners. That’s a $60 savings from the average cost of insurance in the state, which is $159 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Nebraska including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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.
Which company offers the cheapest car insurance rates 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.
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Who pays the lowest auto insurance premiums in Nebraska?
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 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 are the average annual rates from major insurance companies in Nebraska, ranked from cheapest to the most expensive for the 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 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.
Below, you’ll see average annual rates for major insurance providers in Nebraska, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 full coverage in Nebraska
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
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
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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $732 more annually in Nebraska than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Nebraska
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 companies 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 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
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.
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
By comparing car insurance quotes, you can save an average of 38% per year for 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
Car insurance discounts in Nebraska can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Nebraska.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in Nebraska for individuals with a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Nebraska, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Nebraska