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.
- 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
Nebraska laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for 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 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
In Nebraska, you can expect to pay around $1,902 per year for full coverage car insurance for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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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.
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.
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
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, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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.
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 is how much your car insurance rate increases in Nebraska after driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 42% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Nebraska for high-risk drivers
High-risk drivers in Nebraska pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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
Average car insurance cost in different states of U.S.
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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 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.
Begin your search for the top car insurance policy in Nebraska by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Nebraska and their average 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 rates vary by city in Nebraska for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
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.
| 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?
In Nebraska, a full coverage car insurance policy with 100/300/100 limits typically costs about $159 per month.
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 | 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
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 September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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
Executive 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