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.
- According to recent data, Auto-Owners offers the cheapest full coverage car insurance in Nebraska at $99 per month.
- Nebraska drivers with a clean driving record pay 42% less for car insurance than drivers with a DUI.
- In Nebraska, the city of Lincoln has the most affordable car insurance rates at $1,668 annually.
- Comparing price quotes from multiple insurers can help you save up to 38% per year on your car insurance policy in Nebraska.
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 bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Nebraska.
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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Nebraska drivers who pay lower insurance premiums
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Nebraska
Nebraska requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 liability-only coverage in Nebraska
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 full coverage car insurance in Nebraska
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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Nebraska, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
Your driving history affects how much you pay for insurance in Nebraska because insurance companies use it to assess the risk associated with insuring a driver.
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 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.
Cheap car insurance rates after a DUI conviction in Nebraska
CarInsurance.com analyzed insurance rates for Nebraska drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,942 . Nationwide is the second-cheapest insurer at an average of $2,152 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 42% less than drivers with a DUI on their record.
| 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
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $1,467 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium 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.
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 Which cities in Nebraska have 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.
Below is a list of cities in Nebraska with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save 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 |
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.
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:
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.
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.
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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
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.
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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