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Average cost of car insurance in Nebraska for 2023
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.
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.
Compare auto insurance rates
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.
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.
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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.