- The average cost of car insurance in Nebraska is $2,095 a year or $175 per month, based on our data analysis.
- Minimum liability coverage in Nebraska costs around $447 annually for limits of 25/50/25, while liability-only coverage costs $508 per year for limits of 50/100/50.
- Farmers Mutual of Nebraska provides the most affordable annual rates for full coverage car insurance in Nebraska, costing $1,625 per year.
- In Nebraska, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 74%, and an at-fault accident by up to 59%.
The cost of car insurance in Nebraska varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Farmers Mutual of Nebraska offers the cheapest rates at $1,625 a year for full coverage.
This guide makes buying car insurance in Nebraska easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Nebraska works and how much coverage you need.
How much is car insurance in Nebraska?
In Nebraska, drivers pay an average of $175 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Nebraska based on driver profile:
- Teen drivers in Nebraska pay the most – about $584 a month or $7,008 a year.
- Young drivers in their 20s pay an average of $276 monthly or $3,315 annually, for car insurance.
- Senior drivers pay around $170 monthly or $2,038 a year.
- A speeding ticket can increase your rates to $216 monthly or $2,596 annually.
- An at-fault accident increases car insurance rates to $277 a month or $3,328 a year.
- Poor credit drivers usually see their car insurance costs increase to $320 monthly or $3,842 annually.
Average cost of auto insurance in Nebraska by coverage level
Car insurance costs in Nebraska can differ based on the coverage limit. To legally drive, Nebraska residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Nebraska car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $37 | $447 |
| Liability Only – 50/100/50 BI/PD | $42 | $508 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $175 | $2,095 |
State minimum car insurance in Nebraska
Nebraska’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Nebraska is $447 a year. However, this basic coverage only offers limited protection. Nebraska drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Nebraska must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Nebraska
According to CarInsurance.com data, liability-only car insurance costs $508 in Nebraska for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Nebraska
The average annual premium in Nebraska is $2,095 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Nebraska
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Nebraska have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Nebraska
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Nebraska by car model
In Nebraska, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Nebraska.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Nebraska
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Nebraska drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,039 annually.
Car insurance for drivers aged 16-19 costs $4,969 more annually than Nebraska drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,008 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,196 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,039 per year in Nebraska.
- For senior drivers: Drivers age 65 and older can expect to pay $2,038 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Nebraska
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Nebraska can increase your premiums by up to 74% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Nebraska, you’ll likely see an increase in your car insurance premium by up to 24% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Nebraska after driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 59% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Nebraska for high-risk drivers
In Nebraska, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Nebraska
Drivers in Nebraska can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Nebraska by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Nebraska and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Farmers Mutual of Nebraska | $274 | $336 | $1,625 |
| Auto-Owners | $487 | $536 | $1,626 |
| Shelter Insurance | $580 | $670 | $2,152 |
| Progressive | $451 | $523 | $2,389 |
| Allstate | $739 | $814 | $2,602 |
| GEICO | $260 | $289 | $2,653 |
| Iowa Farm Bureau | $737 | $843 | $4,149 |
| USAA | $332 | $384 | $1,563 |
Car insurance rates by city in Nebraska
Omaha is the priciest city in Nebraska for car insurance, costing an average of $2,140 annually. On the other hand, Fremont is the most affordable city, where drivers pay an average of $1,873 per year for car insurance.
Car insurance premiums differ across cities in Nebraska and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Nebraska’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Nebraska per month?
In Nebraska, a full coverage car insurance policy with 100/300/100 limits typically costs about $175 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $37 |
| Liability Only – 50/100/50 BI/PD | $42 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $175 |
Final thoughts on choosing car insurance in Nebraska
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Nebraska.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Nebraska. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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