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 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 learn how auto insurance in Nebraska works and how much insurance you need.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Nebraska, costing $1,193 per year.
- In Nebraska, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Nebraska costs $331 annually for limits of 25/50/25, while liability-only coverage costs $373 per year for limits of 50/100/50.
- 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%.
How much is car insurance in Nebraska?
According to CarInsurance.com data, drivers in Nebraska pay about $159 per month for full coverage car insurance.
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.
Average cost of auto insurance in Nebraska by coverage level
In Nebraska, the cost of car insurance can vary depending on how much coverage you purchase. Nebraska drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Nebraska. However, they don’t offer much 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.
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 | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $28 | $331 |
| Liability Only – 50/100/50 BI/PD | $31 | $373 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 | $1,902 |
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.
In Nebraska, you can get state minimum car insurance for $331 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Nebraska must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Nebraska
Liability-only car insurance costs $373 in Nebraska for coverage limits of 50/100/50, according to CarInsurance.com data.
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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, 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.
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.
Nebraska car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Nebraska by car model
Car insurers in Nebraska use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 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.
Car insurance companies know teen drivers are less experienced and riskier to insure. Nebraska drivers aged 30 to 60 have the lowest average auto insurance rates at $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.
Similarly, if you get a speeding ticket in Nebraska, you’ll likely see an increase in your car insurance premium by up to 26% 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’s a breakdown of how much your car insurance rate goes up in Nebraska following 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, comparing quotes can still help you save money.
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.
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 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.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,802 |
| USAA | $1,974 |
| Nationwide | $2,110 |
| State Farm | $2,701 |
| Progressive | $3,398 |
| Allstate | $3,672 |
| Geico | $4,935 |
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Nebraska by getting quotes from several insurers for comparison.
Below are the details of Nebraska car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $255 | $283 | $1,193 |
| Nationwide | $314 | $330 | $1,216 |
| Shelter Insurance | $345 | $402 | $1,647 |
| Farmers Mut Ins Co of NE | $277 | $301 | $1,910 |
| Progressive | $265 | $321 | $1,964 |
| State Farm | $409 | $469 | $2,344 |
| Geico | $242 | $272 | $2,372 |
| Iowa Farm Bureau | $360 | $406 | $2,430 |
| Allstate | $602 | $658 | $2,621 |
| USAA | $239 | $277 | $1,328 |
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 costs differ from city to city in Nebraska, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Nebraska.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,228 |
| Auto-Owners | $1,303 |
| USAA | $1,373 |
| Shelter Insurance | $1,732 |
| Progressive | $2,158 |
| State Farm | $2,178 |
| Farmers Mutual of Nebraska | $2,228 |
| Iowa Farm Bureau | $2,516 |
| Allstate | $2,852 |
| Geico | $3,456 |
How much does car insurance cost in Nebraska per month?
The average cost of a full-coverage car insurance policy in Nebraska costs $159 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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 | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $28 |
| Liability Only – 50/100/50 BI/PD | $31 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 |
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 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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