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Average cost of car insurance in Nebraska for 2024

The average annual car insurance cost in Nebraska is $1,994 for full coverage and $516 for minimum coverage.

Updated Feb 16, 2024
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How much is car insurance in Nebraska?

If you have ever wondered how much car insurance is in Nebraska, Bankrate has the answers. Based on data sourced from Quadrant Information Services, the average annual cost of car insurance in the Cornhusker State is $516 for state-mandated minimum coverage and $1,994 for full coverage. These numbers are well below the national averages, which are $741 for minimum and $2,545 for full coverage.

Your own rate is likely to differ from the average, since it is based on a range of factors that are unique to you and your circumstances, such as ZIP code, driving record and credit history. You may be able to find a policy for less than the average by comparing quotes from several companies; it's not difficult to switch carriers if you find a cheaper rate.

Key takeaways

  • Nebraska full coverage auto insurance rates are 22 percent less than the national average.
  • Drivers with a speeding ticket conviction in Nebraska pay 19 percent more for auto insurance on average, while drivers with DUI convictions pay 79 percent more on average.
  • The average cost of car insurance in Nebraska for drivers with poor credit is 91 percent more than rates for those with good credit.

Nebraska car insurance rates by city

Nebraska's average car insurance rates are lower than the national average, but your individual city and ZIP code play an important role in determining how much you pay for your policy. Factors like crime statistics, population density, weather and cost of vehicle repairs can cause rate differences, even within the same city. Below are average rates for some of Nebraska's largest cities.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Nebraska

Most states allow the use of age and gender as car insurance rating factors, including Nebraska. Young drivers with less experience typically pay more than seasoned drivers. Males also pay more, on average, as they tend to have higher rates of accidents and moving violations. The tables below reflect average rate variations by age and gender.

Age 16*
Avg. monthly full coverage premium in Nebraska
$315
Avg. annual full coverage premium in Nebraska
$3,776
Age 18
Avg. monthly full coverage premium in Nebraska
$543
Avg. annual full coverage premium in Nebraska
$6,511
Age 20
Avg. monthly full coverage premium in Nebraska
$403
Avg. annual full coverage premium in Nebraska
$4,835
Age 25
Avg. monthly full coverage premium in Nebraska
$209
Avg. annual full coverage premium in Nebraska
$2,507
Age 30
Avg. monthly full coverage premium in Nebraska
$178
Avg. annual full coverage premium in Nebraska
$2,141
Age 40
Avg. monthly full coverage premium in Nebraska
$168
Avg. annual full coverage premium in Nebraska
$2,015
Age 50
Avg. monthly full coverage premium in Nebraska
$150
Avg. annual full coverage premium in Nebraska
$1,805
Age 60
Avg. monthly full coverage premium in Nebraska
$143
Avg. annual full coverage premium in Nebraska
$1,720
Age 70
Avg. monthly full coverage premium in Nebraska
$154
Avg. annual full coverage premium in Nebraska
$1,853
Age 40
Avg. monthly full coverage premium in Nebraska
$168
Avg. annual full coverage premium in Nebraska
$2,015
Age 50
Avg. monthly full coverage premium in Nebraska
$150
Avg. annual full coverage premium in Nebraska
$1,805
Age 60
Avg. monthly full coverage premium in Nebraska
$143
Avg. annual full coverage premium in Nebraska
$1,720
Age 70
Avg. monthly full coverage premium in Nebraska
$154
Avg. annual full coverage premium in Nebraska
$1,853
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in Nebraska
$282
Avg. annual full coverage premium in Nebraska
$3,380
Age 18
Avg. monthly full coverage premium in Nebraska
$448
Avg. annual full coverage premium in Nebraska
$5,372
Age 20
Avg. monthly full coverage premium in Nebraska
$329
Avg. annual full coverage premium in Nebraska
$3,944
Age 25
Avg. monthly full coverage premium in Nebraska
$189
Avg. annual full coverage premium in Nebraska
$2,269
Age 30
Avg. monthly full coverage premium in Nebraska
$173
Avg. annual full coverage premium in Nebraska
$2,076
Age 40
Avg. monthly full coverage premium in Nebraska
$164
Avg. annual full coverage premium in Nebraska
$1,974
Age 50
Avg. monthly full coverage premium in Nebraska
$150
Avg. annual full coverage premium in Nebraska
$1,798
Age 60
Avg. monthly full coverage premium in Nebraska
$142
Avg. annual full coverage premium in Nebraska
$1,705
Age 70
Avg. monthly full coverage premium in Nebraska
$151
Avg. annual full coverage premium in Nebraska
$1,811
Age 40
Avg. monthly full coverage premium in Nebraska
$164
Avg. annual full coverage premium in Nebraska
$1,974
Age 50
Avg. monthly full coverage premium in Nebraska
$150
Avg. annual full coverage premium in Nebraska
$1,798
Age 60
Avg. monthly full coverage premium in Nebraska
$142
Avg. annual full coverage premium in Nebraska
$1,705
Age 70
Avg. monthly full coverage premium in Nebraska
$151
Avg. annual full coverage premium in Nebraska
$1,811
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Rates vary between genders because data shows that male drivers are more likely to be involved in accidents than female drivers. According to the Insurance Institute for Highway Safety, male drivers make up about 68 percent of the teen crash fatality rate. Insurers compensate for this higher risk by charging higher rates to male drivers, especially young ones.

Cost considerations for young drivers in Nebraska

Young drivers typically get cheaper rates when covered on their parents' policy rather than their own. However, you may need to live in the same home as your parents to remain insured on their auto insurance policy.

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Age 16*
Avg. annual premium for drivers in NE
$3,578
Age 17
Avg. annual premium for drivers in NE
$3,403
Age 18
Avg. annual premium for drivers in NE
$3,212
Age 19
Avg. annual premium for drivers in NE
$2,957
Age 20
Avg. annual premium for drivers in NE
$2,856
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in NE
$5,942
Age 19
Avg. annual premium for drivers in NE
$4,656
Age 20
Avg. annual premium for drivers in NE
$4,390
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 85 percent more
Age 19 57 percent more
Age 20 54 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Nebraska?

Average Nebraska car insurance rates increase significantly with accidents or moving violations on your record. Tickets and accidents may indicate to carriers that you are a riskier driver who is more likely to file a claim, so they typically increase rates accordingly. A DUI is one of the most severe driving infractions, and some carriers may deny coverage to high-risk drivers with DUI convictions.

Clean driving record
Avg. annual premium* in Nebraska
$1,994
Percentage increase from Nebraska avg. annual premium*
0%
Avg. annual premium* in Nebraska
$2,379
Percentage increase from Nebraska avg. annual premium*
19%
Avg. annual premium* in Nebraska
$2,995
Percentage increase from Nebraska avg. annual premium*
50%
Avg. annual premium* in Nebraska
$3,575
Percentage increase from Nebraska avg. annual premium*
79%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in Nebraska by credit tier

Another factor Nebraska insurance companies use to determine rates is credit history, which is not a permitted rating factor in all states. While drivers with excellent credit page on average 15 percent less for car insurance  in Nebraska, drivers with poor credit pay 91 percent more on average.

Avg. annual premium* in Nebraska
$3,809
Percentage difference from Nebraska avg. annual premium*
91%
Average
Avg. annual premium* in Nebraska
$2,193
Percentage difference from Nebraska avg. annual premium*
10%
Avg. annual premium* in Nebraska
$1,994
Percentage difference from Nebraska avg. annual premium*
0%
Excellent
Avg. annual premium* in Nebraska
$1,693
Percentage difference from Nebraska avg. annual premium*
-15%
*Rates reflect full coverage policies.

Nebraska car insurance rates by vehicle type

Choosing the make and model of a car carefully is one way Nebraska drivers may save on auto insurance. Vehicles with high safety ratings and low theft rates typically see lower rates than luxury vehicles or those that are costly to repair.

Avg. annual premium* in Nebraska
$1,994
Avg. annual premium* in Nebraska
$1,797
Avg. annual premium* in Nebraska
$1,704
BMW 330i
Avg. annual premium* in Nebraska
$2,588
Toyota Prius
Avg. annual premium* in Nebraska
$2,033
*Rates reflect full coverage policies.

Estimate your car insurance cost in Nebraska

Car insurance is a highly individual product. Get more personalized rate estimates using the calculator tool below.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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How to save on car insurance in Nebraska

Although Nebraska drivers usually pay less than the national average for auto insurance, there may still be opportunities to save even more. These tips may help you get the best deal on car insurance in Nebraska.

  • Explore discounts: Taking advantage of potential discounts may help keep your car insurance costs low. Discounts can vary by insurance company, but some common options include safe driver discounts, good student discounts and bundling discounts.
  • Maintain a clean driving record: Drivers with clean driving records and no accidents typically see the lowest car insurance rates. You might also be eligible for accident forgiveness, which may help protect your rates if you get into an at-fault accident.
  • Improve your credit score: Nebraska car insurance companies can consider your credit history when determining premiums. Improving your score may earn you a lower rate.
  • Shop around and compare quotes: The cheapest company for your neighbor may not offer you a great rate. Comparing quotes from various providers may show you which one has the lowest premium for your circumstances.

Frequently asked questions

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

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

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance