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Average cost of car insurance in Nebraska for 2022

Updated Dec 02, 2022
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There are over 1.4 million licensed drivers in Nebraska, but each driver pays a unique amount for car insurance rates based on their own characteristics. The average cost of car insurance in Nebraska is $335 per year for minimum coverage and $1,531 for full coverage. Rates might vary tremendously from one person to the next — even one carrier to the next — since auto insurance rates are based on numerous personal factors for each driver.

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How much does car insurance cost in Nebraska?

Car insurance rates in Nebraska are based on a variety of factors, which is why rates vary from person to person. Factors such as age, gender, marital status, ZIP code, vehicle type, driving history and credit score are all used by carriers to quote your rate.

Drivers in Nebraska pay an average of $335 per year for a minimum coverage policy, and $1,531 annually for full coverage options. This is well-below the national average, where the average driver in the U.S. pays $565 per year for minimum coverage and $1,647 for full.

Nebraska car insurance rates by company

Comparing multiple car insurance carriers is the most effective way to ensure you are choosing the least expensive rates in Nebraska, but also the best car insurance company for your driving lifestyle.

CAR INSURANCE COMPANY AVERAGE ANNUAL PREMIUM FOR MINUMUM COVERAGE AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE
Allstate $426 $2,414
Auto-Owners $254 $1,365
EMC $167 $1,204
Farmers $479 $1,386
Farmers Mutual of Nebraska $224 $1,386
IMT $284 $1,850
Iowa Farm Bureau $284 $1,850
MetLife $668 $2,037
Motorists $472 $1,906
Nationwide $242 $1,000
North Star Mutual $242 $1,605
Progressive $382 $1,630
State Farm $301 $1,438
USAA $258 $1,079

Nebraska car insurance rates by city

Not only does the state you live in impact the average cost of insurance in Nebraska, but the exact city and ZIP code where you live influences how much you pay in auto insurance.

CITY AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE % INCREASE IN AVERAGE ANNUAL PREMIUM
Omaha $1,594 4%
Lincoln $1,334 -13%
Grand Island $1,412 -8%
Bellevue $1.472 -4%
Kearney $1,442 -6%
Fremont $1,450 -5%
Papillion $1,416 -8%
North Platte $1,659 8%
Hastings $1,420 -7%
Norfolk $1,426 -7%
Columbus $1,431 -7%
South Sioux City $1,568 2%
La Vista $1,439 -6%
Scottsbluff $1,699 11%
Beatrice $1,499 -2%
Lexington $1,588 4%
Blair $1,549 1%
McCook $1,735 13%
Nebraska City $1,473 -4%
Seward $1,479 -3%

Nebraska car insurance rates by age

Age is a large determining factor in how much you pay for car insurance in Nebraska. While most may assume a 16-year old pays the most, the table shows 18- and 20-year olds experience the highest rates based on age.

AGE AVERAGE ANNUAL FULL COVERAGE PREMIUM IN NEBRASKA
Age 16 $1,627
Age 18 $4,448
Age 20 $3,401
Age 25 $1,837
Age 30 $1,626
Age 40 $1,555
Age 50 $1,384
Age 60 $1,319
Age 70 $1,383

*16 year old calculated on parent’s policy disclosure

Nebraska car insurance rates by driving record

Your driving record has a major impact on car insurance rates in Nebraska. While a speeding ticket increases your annual premium an average of 15%, drivers with accidents and DUIs are susceptible to much higher rate increases.

DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MINNESOTA % INCREASE IN AVERAGE ANNUAL PREMIUM
Speeding ticket $1,767 15%
Accident $2,253 47%
DUI $2,755 80%

How to save on car insurance in Nebraska

Saving on car insurance in Nebraska is highly possible thanks to a numerous amount of discounts available to drivers. Common discounts include:

  • Multi-policy: One of the most common discounts available is the multi-policy, if you purchase your auto insurance coverage from the same carrier as your homeowners or renters insurance.
  • Safety equipment: If your car is equipped with safety equipment, you should be eligible for further discounts. Safety equipment examples include anti-lock brakes, an anti-theft system, driver and passenger or side airbags or regular seatbelt use.
  • Defensive driving: Most carriers offer a discount if you enroll and complete a defensive driving course. These courses can be taught online or in-person, and teach you valuable driving safety skills. The key to earning this discount is to make sure you take a course approved by the carrier so you earn credit and receive your discount.
  • Paid-in-full: If you pay your annual or semi-annual premiums in full, instead of in monthly installments, then you are likely eligible for additional savings. Not only do you receive a discount, but you might avoid extra fees carriers sometimes tack on to the installment payments.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Sara Coleman
Insurance Contributor

Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.