- Among the companies analyzed by CarInsurance.com, Farmers Mutual of Nebraska stands out as the cheapest option for full coverage car insurance in Nebraska, with an insurance premium of $135 per month.
- Drivers in Nebraska with a clean record pay 74% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Nebraska is Fremont, with an annual premium of $1,873.
- Nebraska drivers can save up to 23% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Nebraska costs $135 per month for a full coverage policy from Farmers Mutual of Nebraska. That’s a $40 savings from the average cost of insurance in the state, which is $175 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.
Car insurance companies with cheap car insurance in Nebraska
Farmers Mutual of Nebraska has the cheapest full coverage car insurance in Nebraska, at an average premium of $135 per month or around $1,625 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 |
|---|---|
| Farmers Mutual of Nebraska | $135 |
| Auto-Owners | $136 |
| Shelter Insurance | $179 |
| Progressive | $199 |
| Allstate | $217 |
| GEICO | $221 |
| Iowa Farm Bureau | $346 |
| USAA* | $130 |
Who pays a lower insurance premium in Nebraska?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Nebraska drivers with clean records pay 74% less than drivers who have a DUI on their records.
- Nebraska drivers in their 20s pay 60% lower rates for insurance than a 16-year-old in Nebraska.
- Adding a teen to your policy will cost you 49% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 22% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% 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 7% for this state more on their premiums.
Cheapest Nebraska companies for different coverage levels
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.
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:
- Farmers Mutual of Nebraska is the cheapest for a state minimum policy.
- Farmers Mutual of Nebraska has the cheapest rates for a liability-only policy (50/100/50).
- Farmers Mutual of Nebraska 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
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 |
|---|---|
| Farmers Mutual of Nebraska | $262 |
| GEICO | $469 |
| Auto-Owners | $507 |
| Progressive | $506 |
| Shelter Insurance | $638 |
| Iowa Farm Bureau | $736 |
| Allstate | $832 |
| USAA* | $386 |
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.
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 |
|---|---|
| Farmers Mutual of Nebraska | $322 |
| GEICO | $522 |
| Auto-Owners | $558 |
| Progressive | $587 |
| Shelter Insurance | $737 |
| Iowa Farm Bureau | $835 |
| Allstate | $917 |
| USAA* | $446 |
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 |
|---|---|
| Farmers Mutual of Nebraska | $1,625 |
| Auto-Owners | $1,626 |
| Shelter Insurance | $2,152 |
| Progressive | $2,389 |
| Allstate | $2,602 |
| GEICO | $2,653 |
| Iowa Farm Bureau | $4,149 |
| USAA* | $1,563 |
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 $970 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 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, Farmers Mutual of Nebraska has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,942 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $1,625 | $1,942 | 20% | $317 |
| Shelter Insurance | $2,152 | $2,514 | 17% | $362 |
| Auto-Owners | $1,626 | $2,582 | 59% | $956 |
| GEICO | $2,653 | $2,861 | 8% | $208 |
| Allstate | $2,602 | $2,875 | 10% | $273 |
| Progressive | $2,389 | $3,249 | 36% | $860 |
| Iowa Farm Bureau | $4,149 | $5,403 | 30% | $1,254 |
| USAA* | $1,563 | $1,948 | 25% | $385 |
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 Progressive provides the cheapest car insurance rates at an average annual premium of $2,673 . Farmers Mutual of Nebraska is the second-cheapest insurer at an average of $3,167 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 74% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $2,389 | $2,673 | 12% | $284 |
| Farmers Mutual of Nebraska | $1,625 | $3,167 | 95% | $1,542 |
| Auto-Owners | $1,626 | $3,252 | 100% | $1,626 |
| Shelter Insurance | $2,152 | $3,364 | 56% | $1,212 |
| Allstate | $2,602 | $3,438 | 32% | $836 |
| Iowa Farm Bureau | $4,149 | $5,005 | 21% | $856 |
| GEICO | $2,653 | $9,042 | 241% | $6,389 |
| USAA* | $1,563 | $3,240 | 107% | $1,677 |
Cheap car insurance rates in Nebraska after an at-fault accident
If you’re a driver with an at-fault accident on your record, Farmers Mutual of Nebraska is the cheapest option, offering car insurance at an average cost of $2,026 annually.
Auto-Owners is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,488 .
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 |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $1,625 | $2,026 | 25% | $401 |
| Auto-Owners | $1,626 | $2,488 | 53% | $862 |
| Shelter Insurance | $2,152 | $2,874 | 34% | $722 |
| Progressive | $2,389 | $3,634 | 52% | $1,245 |
| Allstate | $2,602 | $4,225 | 62% | $1,623 |
| GEICO | $2,653 | $5,567 | 110% | $2,914 |
| Iowa Farm Bureau | $4,149 | $6,650 | 60% | $2,501 |
| USAA* | $1,563 | $2,332 | 49% | $769 |
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.
Fremont is the city with the lowest premiums in Nebraska at an annual auto insurance rate of $1,873.
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 |
|---|---|
| Fremont | $1,873 |
| Bellevue | $1,928 |
| Lincoln | $1,949 |
| Kearney | $1,990 |
| Hastings | $2,006 |
| Norfolk | $2,016 |
| Grand Island | $2,020 |
| Papillion | $2,025 |
| Columbus | $2,042 |
| Omaha | $2,140 |
Explore the top 10 factors that influence 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 23% 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 |
|---|---|---|
| Air Bags | 5% | $97 |
| Anti-Theft Device | 2% | $33 |
| Comp and Coll Deductibles | 21% | $437 |
| Daily Commute | 7% | $145 |
| Days Advanced Purchase | 8% | $173 |
| Education | 6% | $130 |
| Electronic Funds Transfer | 3% | $55 |
| Homeowner | 2% | $50 |
| Lower Annual Mileage | 6% | $130 |
| Loyalty – Years Renewal With Company | 30% | $635 |
| Marital Status | 8% | $169 |
| Multi Policy | 7% | $138 |
| Paperless/Electornic Documents | 3% | $65 |
| Payment Type | 11% | $225 |
| Primary Use | 12% | $256 |
| Profession | 12% | $251 |
| Purhase Status | 17% | $360 |
| Safety Devices | 4% | $92 |
| Student Away At School | 32% | $662 |
| Telematics | 11% | $238 |
| Years Insured | 31% | $647 |
| Years Licensed | 28% | $589 |
Final thoughts on cheap car insurance in Nebraska
Our research shows that Farmers Mutual of Nebraska 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 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.
*USAA is only available to military community members and their families.
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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