- The average cost of car insurance in Nebraska is $1,902 a year or $159 per month, based on our data analysis.
- Minimum liability coverage in Nebraska costs around $331 annually for limits of 25/50/25, while liability-only coverage costs $373 per year for limits of 50/100/50.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Nebraska, costing $1,193 per year.
- In Nebraska, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 74%, and an at-fault accident by up to 42%.
Car insurance costs in Nebraska vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Nebraska at $1,193 annually.
This comprehensive guide to buying car insurance for Nebraska drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Nebraska works and how much insurance you need.
How much is car insurance in Nebraska?
In Nebraska, drivers pay an average of $159 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 $465 a month or $5,585 a year.
- Young drivers in their 20s pay an average of $247 monthly or $2,963 annually, for car insurance.
- Senior drivers pay around $144 monthly or $1,722 a year.
- A speeding ticket can increase your rates to $222 monthly or $2,664 annually.
- An at-fault accident increases car insurance rates to $258 a month or $3,100 a year.
- Poor credit drivers usually see their car insurance costs increase to $345 monthly or $4,144 annually.
Average cost of auto insurance in Nebraska by coverage level
In Nebraska, car insurance rates can differ depending on how much coverage you choose. Drivers in Nebraska are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Nebraska, but it doesn’t offer adequate protection.
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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Nebraska for 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
In Nebraska, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Nebraska costs $331 a year but doesn’t provide much protection for drivers. Nebraska drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Nebraska must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Nebraska
The average cost of liability-only insurance in Nebraska is $373 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Nebraska
The average annual premium in Nebraska is $1,902 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
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Nebraska have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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)
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Estimate car insurance in Nebraska by car model
Nebraska car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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 $1,841 annually.
Car insurance for drivers aged 16-19 costs $3,744 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 $5,585 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,851 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,841 per year in Nebraska.
- For senior drivers: Drivers age 65 and older can expect to pay $1,722 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Nebraska
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Nebraska, a DUI conviction lead to increased rates and you may see a rate hike of up to 74% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Nebraska, be prepared for your car insurance rates to rise by up to 26% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 42% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Nebraska for high-risk drivers
In Nebraska, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
In Nebraska, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Nebraska by getting quotes from different insurance companies.
Below are the details of Nebraska car insurance companies and their 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
Hayes Center is the priciest city in Nebraska for car insurance, costing an average of $2,273 annually. On the other hand, Lincoln is the most affordable city, where drivers pay an average of $1,668 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?
Car insurance in Nebraska costs an average of $159 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Nebraska.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 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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