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Average cost of car insurance in Nebraska for 2024

Updated Oct 01, 2024
The average annual car insurance cost in Nebraska is $2,358 for full coverage and $579 for minimum coverage.
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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 $579 for state-mandated minimum coverage and $2,358 for full coverage. These numbers are well below the national averages, which are $664 for minimum and $2,388 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 0 percent more than the national average.
  • Drivers with a speeding ticket conviction in Nebraska pay 16 percent more for auto insurance on average, while drivers with DUI convictions pay 86 percent more on average.
  • The average cost of car insurance in Nebraska for drivers with poor credit is 116 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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Advertising disclosure
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.

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
$397
Avg. annual full coverage premium in Nebraska
$4,758
Age 18
Avg. monthly full coverage premium in Nebraska
$559
Avg. annual full coverage premium in Nebraska
$6,707
Age 20
Avg. monthly full coverage premium in Nebraska
$446
Avg. annual full coverage premium in Nebraska
$5,350
Age 25
Avg. monthly full coverage premium in Nebraska
$249
Avg. annual full coverage premium in Nebraska
$2,988
Age 30
Avg. monthly full coverage premium in Nebraska
$212
Avg. annual full coverage premium in Nebraska
$2,540
Age 40
Avg. monthly full coverage premium in Nebraska
$197
Avg. annual full coverage premium in Nebraska
$2,361
Age 50
Avg. monthly full coverage premium in Nebraska
$178
Avg. annual full coverage premium in Nebraska
$2,142
Age 60
Avg. monthly full coverage premium in Nebraska
$169
Avg. annual full coverage premium in Nebraska
$2,034
Age 70
Avg. monthly full coverage premium in Nebraska
$179
Avg. annual full coverage premium in Nebraska
$2,152
Age 40
Avg. monthly full coverage premium in Nebraska
$197
Avg. annual full coverage premium in Nebraska
$2,361
Age 50
Avg. monthly full coverage premium in Nebraska
$178
Avg. annual full coverage premium in Nebraska
$2,142
Age 60
Avg. monthly full coverage premium in Nebraska
$169
Avg. annual full coverage premium in Nebraska
$2,034
Age 70
Avg. monthly full coverage premium in Nebraska
$179
Avg. annual full coverage premium in Nebraska
$2,152
*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
$361
Avg. annual full coverage premium in Nebraska
$4,332
Age 18
Avg. monthly full coverage premium in Nebraska
$515
Avg. annual full coverage premium in Nebraska
$6,175
Age 20
Avg. monthly full coverage premium in Nebraska
$384
Avg. annual full coverage premium in Nebraska
$4,611
Age 25
Avg. monthly full coverage premium in Nebraska
$230
Avg. annual full coverage premium in Nebraska
$2,756
Age 30
Avg. monthly full coverage premium in Nebraska
$206
Avg. annual full coverage premium in Nebraska
$2,470
Age 40
Avg. monthly full coverage premium in Nebraska
$196
Avg. annual full coverage premium in Nebraska
$2,356
Age 50
Avg. monthly full coverage premium in Nebraska
$168
Avg. annual full coverage premium in Nebraska
$2,011
Age 60
Avg. monthly full coverage premium in Nebraska
$167
Avg. annual full coverage premium in Nebraska
$2,009
Age 70
Avg. monthly full coverage premium in Nebraska
$178
Avg. annual full coverage premium in Nebraska
$2,135
Age 40
Avg. monthly full coverage premium in Nebraska
$196
Avg. annual full coverage premium in Nebraska
$2,356
Age 50
Avg. monthly full coverage premium in Nebraska
$168
Avg. annual full coverage premium in Nebraska
$2,011
Age 60
Avg. monthly full coverage premium in Nebraska
$167
Avg. annual full coverage premium in Nebraska
$2,009
Age 70
Avg. monthly full coverage premium in Nebraska
$178
Avg. annual full coverage premium in Nebraska
$2,135
*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
$4,545
Age 17
Avg. annual premium for drivers in NE
$4,218
Age 18
Avg. annual premium for drivers in NE
$3,889
Age 19
Avg. annual premium for drivers in NE
$3,514
Age 20
Avg. annual premium for drivers in NE
$3,367
*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
$6,441
Age 19
Avg. annual premium for drivers in NE
$5,294
Age 20
Avg. annual premium for drivers in NE
$4,981
*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 66 percent more
Age 19 51 percent more
Age 20 48 percent more

*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
$2,358
Percentage increase from Nebraska avg. annual premium*
0%
Avg. annual premium* in Nebraska
$2,747
Percentage increase from Nebraska avg. annual premium*
16%
Avg. annual premium* in Nebraska
$3,586
Percentage increase from Nebraska avg. annual premium*
52%
Avg. annual premium* in Nebraska
$4,386
Percentage increase from Nebraska avg. annual premium*
86%
*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 19 percent less for car insurance  in Nebraska, drivers with poor credit pay 116 percent more on average.

Avg. annual premium* in Nebraska
$5,091
Percentage difference from Nebraska avg. annual premium*
116%
Average
Avg. annual premium* in Nebraska
$2,624
Percentage difference from Nebraska avg. annual premium*
11%
Avg. annual premium* in Nebraska
$2,358
Percentage difference from Nebraska avg. annual premium*
0%
Excellent
Avg. annual premium* in Nebraska
$1,900
Percentage difference from Nebraska avg. annual premium*
-19%
*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
$2,358
Avg. annual premium* in Nebraska
$2,148
Avg. annual premium* in Nebraska
$1,999
BMW 330i
Avg. annual premium* in Nebraska
$2,810
Toyota Prius
Avg. annual premium* in Nebraska
$2,433
*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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Methodology

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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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

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