+120 more*These quotes are from real Compare.com users Nebraska within the last 10 days. Updated on August 23, 2026
*These quotes are from real Compare.com users Nebraska within the last 10 days. Updated on August 23, 2026
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
Car insurance rates in Nebraska fall below the national average of $141, with drivers spending around $101 per month on coverage, according to our data.
Nebraska is a predominantly rural state with a lower population density and fewer fatal car crashes than the national average.[1] [2] Drivers in Nebraska can find the most affordable coverage with Auto-Owners, Progressive, and National General. Liability rates start at $42 per month.
Keep reading to find the cheapest car insurance companies in Nebraska for various driver types. Plus, learn how to pick the right company for your needs and save on coverage in the Cornhusker State.
Auto-Owners, the cheapest car insurance company in Nebraska, has an average premium of $42 per month.
Nebraska drivers pay an average of $69 per month for liability coverage and $134 for full coverage.
Auto-Owners, American Family, and USAA are our top picks for car insurance in Nebraska.
No single company will be the best insurer for every driver. The right company for you will depend on a variety of personal and financial factors. Below, we’ll take a closer look at some of the top companies for Nebraska drivers.
We’ve selected the following companies based on a combination of average rates, available discounts, customer ratings and reviews, and coverage offered in Nebraska.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners offers some of the cheapest car insurance policies to Nebraska drivers. You can save even more with a variety of discounts, including multi-policy, multi-car, and safety feature discounts. Students and teens can also lower their premiums with the good student, student away at school, and teen driver monitoring discounts.
Cheap rates in Nebraska
Above-average customer satisfaction rating[3]
Gap insurance available
Limited online support
Quotes available only by phone or through an agent
Low Trustpilot score
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.8 | 3.1 |
| Value | 4.2 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
American Family offers quality customer service and a wide range of coverage options. The company ranks above average in the 2025 J.D. Power Auto Insurance Study and also scores 4.5 out of 5 stars on Trustpilot. To save on car insurance, you can take advantage of a range of discounts, including multi-policy, multi-car, and home and auto bundle discounts.
Low average rates
Above-average customer satisfaction
High Trustpilot score
Below-average claims satisfaction rating
DriveMyWay telematics program could raise your rates if it detects poor driving habits
No rideshare coverage
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 759 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $129/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
With over 100,000 veterans in Nebraska, many people can take advantage of USAA’s reasonable rates and exceptional customer service. You can also save on your monthly premiums with multi-vehicle, good student, and bundling discounts.
If you garage your car on a military base while deployed, you can save up to 15%. USAA also offers a highly rated app where you can pay your bill, make changes to coverage, or request roadside assistance.
High ratings for customer and claims satisfaction
Military-focused discounts
Highly rated mobile app
Only available to active military, veterans, and their family members
Only has one brick-and-mortar office location in Nebraska
Low Trustpilot score
Regardless of Nebraska’s average car insurance, it’s possible to find ways to save. We’ll get you started with the cheapest car insurers in Nebraska in the table below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $42 |
| Progressive | $53 |
| National General | $57 |
| American Family | $58 |
| USAA | $64 |
| GEICO | $67 |
| State Farm | $72 |
| The General | $73 |
| Safeco | $74 |
| AssuranceAmerica | $75 |
| Root | $80 |
| Foremost | $93 |
| Bristol West | $94 |
| Liberty Mutual | $97 |
| Dairyland | $105 |
| Farmers | $120 |
| Shelter | $123 |
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Nebraska, like nearly every state, requires all drivers to meet minimum insurance requirements. You must maintain proof of financial responsibility and have it in the vehicle at all times.
State-minimum car insurance coverage in Nebraska includes the following amounts:
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person in uninsured/underinsured motorist coverage
$50,000 per accident in uninsured/underinsured motorist coverage[4] [5]
Full-coverage car insurance gives you more protection after an accident than liability-only insurance. It typically includes comprehensive and collision insurance, which help cover things like hitting a stationary object, theft, and weather damage.
That said, you could save on your premiums and skip full coverage if you can afford to pay for repairs yourself. It also may not be worth it if you’ve paid off your car, or if it isn’t worth much.
Most insurers offer a variety of ways to customize your policy. Some optional coverages you might want to consider include:
Comprehensive coverage
Collision coverage
Medical payments (MedPay)
Personal injury protection (PIP)
Gap insurance
Glass coverage[6]
Category | Price |
|---|---|
| $78 | 3.8% |
| $97 | 5.6% |
| $115 | 6.6% |
| $134 | 7.9% |
| $153 | 8.4% |
| $171 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $227 | 6.8% |
| $246 | 5.8% |
| $265 | 5.5% |
| $284 | 4.8% |
| $302 | 4.0% |
| $321 | 3.7% |
| $340 | 3.2% |
| $358 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $414 | 1.8% |
| $433 | 1.5% |
If you’re looking for the cheapest car insurance companies in Nebraska, the insurers listed in the table above are a good starting point. Again, your personal premiums can vary significantly based on factors like your age, gender, driving record, ZIP code, and more.
The table below shows the cheapest companies for a variety of coverage types and driver backgrounds, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $42 |
| Full coverage | Auto-Owners | $84 |
| Teens | Auto-Owners | $87 |
| Seniors | Auto-Owners | $33 |
| Drivers with a speeding ticket | Auto-Owners | $55 |
| Drivers with an at-fault accident | Auto-Owners | $57 |
| Drivers with a DUI | Auto-Owners | $56 |
| Drivers with excellent credit | Auto-Owners | $34 |
| Drivers with poor credit | Auto-Owners | $63 |
In the next sections, we’ll take a closer look at each cover and driver type to help you identify the cheapest company for your needs.
To meet minimum insurance requirements in Nebraska, you’ll need to purchase liability coverage and uninsured/underinsured motorist coverage (more on that later). State-minimum coverage is the cheapest type of policy available, but many experts recommend purchasing coverage beyond the state’s minimum requirements to ensure you have enough protection.[7]
Our data shows that Nebraska drivers pay an average of $69 per month for insurance. If you’ve assessed your auto insurance needs and all you need is basic coverage, check out the chart below for the five cheapest companies in Nebraska, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $42 |
| Progressive | $53 |
| National General | $57 |
| American Family | $58 |
| USAA | $64 |
| GEICO | $67 |
| State Farm | $72 |
| The General | $73 |
| Safeco | $74 |
| AssuranceAmerica | $75 |
| Root | $80 |
| Foremost | $93 |
| Bristol West | $94 |
| Liberty Mutual | $97 |
| Dairyland | $105 |
| Farmers | $120 |
| Shelter | $123 |
While minimum car insurance covers damages to the other driver, it doesn’t cover your vehicle. If you want insurance that covers your car damage and injuries, you should consider a full-coverage policy. Besides basic liability, full coverage usually includes collision and comprehensive insurance.
That said, if you’re financing or leasing a vehicle, your lender might require you to purchase a full-coverage policy. The average rate for full-coverage car insurance in Nebraska is $134 per month, according to our data.
While full-coverage rates are often higher, we found that several insurance companies offer it for close to the average liability price in Nebraska. Check out the five cheapest insurers in Nebraska for full-coverage insurance in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $84 |
| Progressive | $105 |
| National General | $111 |
| American Family | $117 |
| USAA | $129 |
| GEICO | $135 |
| Root | $139 |
| Safeco | $140 |
| State Farm | $145 |
| AssuranceAmerica | $154 |
| Liberty Mutual | $163 |
| The General | $188 |
| Bristol West | $200 |
| Dairyland | $232 |
| Farmers | $241 |
| Shelter | $246 |
Rates in Nebraska start at $42 per month.
Your driving record plays a big role in your insurance costs. Generally, the better your record, the lower your premium. If you get a ticket, you can expect your rates to rise when your policy renews because insurers will consider you a higher risk. Our research shows that even a single speeding ticket can cause average car insurance rates to increase by 37% nationwide.
The average rate for drivers with a recent ticket in Nebraska is $131 per month, according to Compare.com data. Don’t worry too much if you get a ticket because several insurers in Nebraska offer lower rates.
Below are the five cheapest auto insurers in Nebraska for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $55 |
| Progressive | $69 |
| National General | $72 |
| American Family | $76 |
| USAA | $84 |
| GEICO | $89 |
| State Farm | $93 |
| Root | $97 |
| AssuranceAmerica | $97 |
| Safeco | $99 |
| The General | $99 |
| Bristol West | $121 |
| Liberty Mutual | $126 |
| Dairyland | $132 |
| Farmers | $156 |
| Shelter | $165 |
If you cause an accident in Nebraska, your insurance rates can increase significantly — even more than a ticket would raise your rates. Our data shows that just one at-fault accident causes average rates to increase by 41% nationwide.
Drivers with an accident on their record in Nebraska pay an average rate of $137 per month, according to Compare.com data.
You can still snag a budget-friendly rate after an at-fault accident in Nebraska with one of the five insurers we’ve highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $57 |
| Progressive | $72 |
| National General | $77 |
| American Family | $79 |
| USAA | $88 |
| GEICO | $90 |
| State Farm | $97 |
| AssuranceAmerica | $101 |
| The General | $102 |
| Root | $102 |
| Safeco | $104 |
| Bristol West | $126 |
| Liberty Mutual | $131 |
| Dairyland | $141 |
| Farmers | $164 |
| Shelter | $171 |
Driving under the influence (DUI) causes the sharpest increase in car insurance rates of any incident. A DUI conviction can cause average rates to increase by 61% nationwide, according to our research.
The average car insurance rate after a DUI conviction in Nebraska is $136 per month, according to our data. If you’ve had a recent DUI conviction, know that it’s still possible to find more affordable auto insurance.
Below are five insurers in Nebraska offering the cheapest coverage for drivers with a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $56 |
| Progressive | $72 |
| American Family | $77 |
| National General | $79 |
| USAA | $89 |
| GEICO | $93 |
| The General | $99 |
| State Farm | $100 |
| AssuranceAmerica | $104 |
| Root | $111 |
| Safeco | $113 |
| Bristol West | $130 |
| Liberty Mutual | $135 |
| Dairyland | $146 |
| Farmers | $167 |
| Shelter | $172 |
A combination of inexperience and risky driving behaviors — like not wearing a seat belt — puts teen drivers in the high-risk category for insurers. Teens are more prone to accidents and have the highest crash rates of any age group.[8] That’s why they pay some of the highest car insurance rates.
The average rate for teens in Nebraska is $198 per month. If you’re a teen or have one on your policy, you get a lower rate with some insurers. Here are the five cheapest insurance companies in Nebraska for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $87 |
| Progressive | $104 |
| American Family | $113 |
| National General | $117 |
| USAA | $121 |
| GEICO | $126 |
| Root | $126 |
| The General | $137 |
| State Farm | $144 |
| Safeco | $156 |
| AssuranceAmerica | $160 |
| Bristol West | $172 |
| Liberty Mutual | $176 |
| Dairyland | $189 |
| Farmers | $247 |
| Shelter | $252 |
While teens pay the highest rates, seniors pay some of the cheapest rates of any age group. This is because older drivers are often more courteous, cautious, and more likely to follow the rules of the road. Retired drivers also tend to drive less than they did when they were commuting to work.[9]
Seniors in Nebraska pay around $87 per month for auto coverage, according to Compare.com data. But even with these low average rates, several companies can offer seniors even better deals.
The following chart shows the five cheapest insurers for senior drivers in Nebraska, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $33 |
| National General | $45 |
| Progressive | $45 |
| American Family | $46 |
| USAA | $52 |
| GEICO | $53 |
| State Farm | $56 |
| AssuranceAmerica | $58 |
| The General | $62 |
| Safeco | $64 |
| Root | $73 |
| Bristol West | $78 |
| Liberty Mutual | $80 |
| Shelter | $88 |
| Dairyland | $89 |
| Farmers | $95 |
In Nebraska, insurance companies can look at your credit history when calculating your premiums.[10] Companies use your credit-based insurance score to predict the likelihood that you’ll file a claim. Generally, poor credit is associated with higher rates. In fact, our research shows that drivers with poor credit pay 20% more than people with excellent credit.
Drivers in Nebraska with poor credit pay an average of $125 per month, according to Compare.com data. Fortunately, not all companies use credit to determine your rates.
Here are five companies offering affordable rates regardless of your credit history, according to our research.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $63 |
| Progressive | $66 |
| American Family | $70 |
| National General | $70 |
| USAA | $79 |
| GEICO | $83 |
| The General | $90 |
| Safeco | $91 |
| AssuranceAmerica | $92 |
| Root | $99 |
| State Farm | $104 |
| Liberty Mutual | $115 |
| Bristol West | $116 |
| Dairyland | $129 |
| Farmers | $148 |
| Shelter | $152 |
Rates start as low as $42 per month.
If you want to learn more about auto insurance in Nebraska, check out the following answers to some of the most common questions drivers ask.
Nebraska drivers pay an average of $101 per month for car insurance, according to Compare.com data. The average cost of liability coverage is $69 per month, and full coverage costs an average of $134 per month.
The cheapest auto insurance company in Nebraska is Auto-Owners, with an average monthly rate of $42, according to our data. Remember, auto insurance rates can vary based on factors, including your driving record, the coverages you choose, and other factors.
The average rate of car insurance in Nebraska is $101 per month, while the national average rate is $141. It’s important to remember that car insurance costs depend on many factors.
Nebraska requires all drivers to purchase at least 25/50/25 in liability coverage, plus $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage to legally drive in the state.
It depends. Auto-Owners, American Family, and USAA are some of our top car insurance picks for Nebraska. But the best car insurance company for you depends on your coverage needs and budget.
Not really. Most experts advise buying coverage above Nebraska’s minimum limits. The Nebraska Department of Insurance recommends additional coverages, like comprehensive, collision, and medical payment coverage (MPC).[11]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
