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.

Key Highlights
  • 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.
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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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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.

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

CompanyFull 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?

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.
Tip iconTip

If 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 CoverageMinimum 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.

CompanyState 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.

CompanyLiability 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.

CompanyFull 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.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
Nationwide$1,062$1,29522%$233
Geico$1,368$1,4748%$106
Auto-Owners$1,226$1,61131%$384
Allstate$1,747$1,9089%$161
State Farm$1,806$1,9428%$137
Farmers$1,881$2,47131%$591
Progressive$2,193$2,68322%$490
Auto Club Enterprises (AAA)$4,047$6,01149%$1,964
Automobile Club of MI (AAA)$4,530$6,28939%$1,759
USAA*$1,170$1,45624%$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 DUIRates After a DUI% Difference$ Difference
State Farm$1,806$1,9428%$137
Nationwide$1,062$2,152103%$1,089
Allstate$1,747$2,24028%$493
Progressive$2,193$2,3999%$206
Auto-Owners$1,226$2,518105%$1,291
Farmers$1,881$2,56636%$685
Geico$1,368$4,581235%$3,213
Automobile Club of MI (AAA)$4,530$8,08278%$3,552
Auto Club Enterprises (AAA)$4,047$8,095100%$4,048
USAA*$1,170$2,416106%$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.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
Auto-Owners$1,226$1,46720%$240
Nationwide$1,062$1,81871%$756
State Farm$1,806$2,07915%$274
Allstate$1,747$2,43239%$685
Farmers$1,881$2,67942%$798
Geico$1,368$2,842108%$1,474
Progressive$2,193$3,34753%$1,154
Auto Club Enterprises (AAA)$4,047$5,09826%$1,051
Automobile Club of MI (AAA)$4,530$5,50321%$973
USAA*$1,170$1,73849%$568

Note: USAA is only available to military community members and their families.

Cheapest car insurance rates by 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.

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.

CityFull 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 device3%$45
Daily commute8%$138
Days advanced purchase7%$156
Days per week driven5%$95
Education4%$94
Electronic funds transfer2%$62
Homeowner4%$93
Lower annual mileage6%$167
Loyalty – years renewal with company6%$132
Marital status7%$164
Multi policy7%$147
Paperless/electornic documents3%$63
Payment type9%$192
Primary use11%$207
Profession12%$391
Safety devices3%$82
Telematics10%$335
Years insured22%$687
Years licensed27%$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.

Laura Longero

Ask the Insurance Expert

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.

John McCormick

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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.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing 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.

Nupur Gambhir

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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.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.