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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Car insurance rates in Nebraska fall below the national average of $149, with drivers spending around $118 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, American Family, and National General. Liability rates start at $40 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 offers the cheapest car insurance in Nebraska, with an average premium of $40 per month.
Nebraska drivers pay an average of $79 per month for liability coverage and $157 for full coverage.
Nebraska requires drivers to have at least 25/50/25 in liability coverage, plus 25/50 in uninsured motorist coverage.[3] [4]
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 | $40 |
| American Family | $56 |
| National General | $59 |
| USAA | $61 |
| Progressive | $64 |
| Allstate | $67 |
| State Farm | $69 |
| GEICO | $70 |
| Safeco | $72 |
| Root | $76 |
| AssuranceAmerica | $90 |
| Nationwide | $93 |
| The General | $93 |
| Bristol West | $101 |
| Foremost | $103 |
| Dairyland | $108 |
| Farmers | $114 |
| Shelter | $117 |
| Liberty Mutual | $121 |
Auto-Owners offers the cheapest car insurance, with rates averaging $40 per month.
Now, let’s take a look at how your car insurance rate can vary based on personal factors.
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, address, and more.
The table below shows the cheapest companies for a variety of coverage types and driver backgrounds, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $40 |
| Full coverage | Auto-Owners | $72 |
| Teens | Auto-Owners | $76 |
| Seniors | Auto-Owners | $31 |
| Drivers with a speeding ticket | Auto-Owners | $49 |
| Drivers with an at-fault accident | Auto-Owners | $51 |
| Drivers with a DUI | Auto-Owners | $61 |
| Drivers with excellent credit | Auto-Owners | $33 |
| Drivers with poor credit | Auto-Owners | $56 |
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.
Comparing quotes can save you up to $867.†
To meet minimum insurance requirements in Nebraska, you’ll need to purchase liability coverage and uninsured motorist coverage (more on that later). State-minimum coverage are the cheapest policies available, but many experts recommend purchasing coverage beyond the state’s minimum requirements to ensure you have enough protection.[5]
Our data shows that Nebraska drivers pay an average of $79 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.
While minimum car insurance covers damages to the other driver, it doesn’t cover your vehicle. If you want insurance that 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 $157 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.
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.[6] That’s why they pay some of the highest car insurance rates.
The average rate for teens in Nebraska is $240 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.
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.[7]
Seniors in Nebraska pay around $94 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.
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 $144 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.
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 $152 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.
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 $190 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.
In Nebraska, insurance companies can look at your credit history when calculating your premiums.[8] 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 $137 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.
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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.
Compare.com Rating: 4.43 out of 5
Average full-coverage premium: $72 per month
Cheap rates in Nebraska
Above-average customer satisfaction rating[9]
Gap insurance available
Below-average claims satisfaction rating[10]
Quotes not available online
Low Trustpilot score
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.
Compare.com Rating: 4.88 out of 5
Average full-coverage premium: $100 per month
Low average rates
Above-average customer satisfaction
High Trustpilot score
Below-average claims satisfaction rating
Not accredited by the Better Business Bureau
No rideshare coverage
American Family offers quality customer service and a wide range of coverage options. The company ranks above average in the 2024 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.
Compare.com Rating: 4.81 out of 5
Average full-coverage premium: $111 per month
High ratings for customer and claims satisfaction
Military-focused discounts
Highly rated mobile app
Only available to active military, veterans, and their family members
Gap insurance not available
Low Trustpilot score
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, 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.
Local rates start as low as $40 per month.
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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 uninsurance motorist coverage
$50,000 per accident in uninsurance motorist coverage
Purchasing minimum insurance in Nebraska will fulfill the state’s legal requirements, but it might not provide enough protection if you’re in a serious accident. If you get in a crash, and the medical or property damage expenses exceed the minimum coverage amounts, you could be legally responsible for paying the remaining amounts.
Increasing your coverage can help you avoid a financial disaster, which is why most experts recommend buying coverage above the state’s minimum limits.
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 $118 per month for car insurance, according to Compare.com data. The average cost of liability coverage is $79 per month, and full coverage costs an average of $79 per month.
The cheapest auto insurance company in Nebraska is Auto-Owners, with an average monthly rate of $40, 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 $118 per month, while the national average rate is $149. 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 motorist coverage to legally drive in the state.
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.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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