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Cheapest car insurance in Nebraska in 2023
Bankrate’s expert analysis found that EMC, Amco Insurance and Auto-Owners may offer the cheapest car insurance in Nebraska.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
What To Know First
Bankrate’s insurance editorial team has nearly 50 years of combined industry experience. We use our specialized skill set to help millions of readers find the cheapest car insurance that also meets their needs. According to proprietary premium data from Quadrant Information Services, the average cost for a minimum coverage policy in Nebraska is $359, 42 percent cheaper than the national average. We also found that you might find some of the cheapest minimum coverage car insurance in Nebraska in Kearney.
Finally, if you want to save on car insurance in Nebraska, you may want to request a quote from EMC:
- Cheapest company for minimum coverage: EMC
- Cheapest company for full coverage: Amco Insurance
- Cheapest company for adding a teen driver: EMC
- Cheapest company for getting a speeding ticket: EMC
- Cheapest company for being in an at-fault accident: EMC
- Cheapest company after a high-risk incident: EMC
On This Page
- The cheapest car insurance in Nebraska
- The cheapest car insurance companies in Nebraska by coverage level
- Cheapest cities in Nebraska for car insurance
- Factors that impact cheap rates in Nebraska
- Minimum coverage requirements for Nebraska drivers
- How to get the cheapest car insurance in Nebraska
- Car insurance discounts in Nebraska
- Frequently asked questions
- Methodology
Cheapest insurance providers in
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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.
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The rates above are based on a single driver with a Toyota Camry, no accidents, and good credit. Answer a few questions about what you drive and how you drive it and get a personalized set of rate that are ready to buy if you are.
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.
The cheapest car insurance in Nebraska
Car insurance in Nebraska is generally cheaper than the national average, but insurance rates depend on factors that are personal to you. For instance, your credit score, zip code, marital status, gender, age, driving record and more can all impact how much you pay for Nebraska car insurance. Because of this, you could be paying more or less than the average.
When shopping for new insurance, you might want to tailor your search based on your individual circumstances. Based on our in-depth study, EMC and Amco Insurance might offer the cheapest car insurance in Nebraska, depending on your needs and background:
Cheapest company for minimum coverage
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
EMC | $16 | $189 |
Cheapest company for full coverage
Company | Average monthly full coverage premium | Average annual full coverage premium |
---|---|---|
Amco Insurance | $84 | $1,012 |
Cheapest company for adding a teen driver
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
EMC | $30 | $354 |
Cheapest company for getting a speeding ticket
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
EMC | $17 | $201 |
Cheapest company for being in an at-fault accident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
EMC | $17 | $207 |
Cheapest company after a high-risk incident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
EMC | $18 | $211 |
The cheapest car insurance companies in Nebraska by coverage level
Figuring out how much car insurance you need is a critical step in finding the most affordable car insurance in Nebraska. Although most insurance agents recommend purchasing the most robust policy you can afford, some risk-tolerant drivers carry minimum coverage to get the cheapest rates. However, minimum coverage may leave you vulnerable to a hefty out-of-pocket expense if you’re at fault in an accident. Speaking with a licensed agent could help you come up with a coverage package that’s just right for you.
To help you get started, Bankrate found the companies that may offer the cheapest car insurance in Nebraska, based on coverage level:
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
EMC
|
Average monthly minimum coverage premium
$16
|
Average annual minimum coverage premium
$189
|
Annual savings vs. State average*
- $170 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$206
|
Annual savings vs. State average*
- $153 |
Farmers Mutual of Nebraska
|
Average monthly minimum coverage premium
$20
|
Average annual minimum coverage premium
$235
|
Annual savings vs. State average*
- $124 |
North Star Mutual
|
Average monthly minimum coverage premium
$20
|
Average annual minimum coverage premium
$243
|
Annual savings vs. State average*
- $116 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$24
|
Average annual minimum coverage premium
$283
|
Annual savings vs. State average*
- $76 |
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.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
Amco Insurance
|
Average monthly full coverage premium
$84
|
Average annual full coverage premium
$1,012
|
Annual savings vs. State average*
- $612 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly full coverage premium
$96
|
Average annual full coverage premium
$1,152
|
Annual savings vs. State average*
- $472 |
Nationwide
3.9
Bankrate Score
|
Average monthly full coverage premium
$98
|
Average annual full coverage premium
$1,179
|
Annual savings vs. State average*
- $445 |
EMC
|
Average monthly full coverage premium
$101
|
Average annual full coverage premium
$1,208
|
Annual savings vs. State average*
- $416 |
Farmers Mutual of Nebraska
|
Average monthly full coverage premium
$103
|
Average annual full coverage premium
$1,237
|
Annual savings vs. State average*
- $387 |
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.
*Based on policies with full coverage for 2023
Cheapest cities in Nebraska for car insurance
In almost every state (Nebraska included), your car insurance company can use your zip code as a factor when determining your premium. Typically, car insurance is more expensive in urban areas since your risk of being in a car accident is higher due to population density. Theft and vandalism might be more common in bigger cities, too.
If you’re looking for cheap Nebraska car insurance and are planning to move, the cities below might be good places to research:
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Bellevue | $422 | Auto-Owners | $235 |
Grand Island | $301 | EMC | $161 |
Kearney | $284 | Auto-Owners | $161 |
Lincoln | $382 | EMC | $209 |
Omaha | $435 | EMC | $227 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Bellevue | $1,619 | Auto-Owners | $1,072 |
Grand Island | $1,521 | Amco Insurance | $911 |
Kearney | $1,547 | Amco Insurance | $872 |
Lincoln | $1,457 | Amco Insurance | $971 |
Omaha | $1,646 | Amco Insurance | $1,085 |
Factors that impact cheap rates in Nebraska
Car insurance rates can fluctuate after significant life events, so periodically shopping around can be an effective way to save on car insurance in Nebraska. Some life events — like getting married or purchasing a different car — may help lower your premium. However, adding a young driver or getting a mark on your driving record will likely do the opposite.
Below, we’ve showcased the companies that continue to offer cheap auto insurance in Nebraska, even after these such events:
Insuring a teen driver
Learning how to save on car insurance in Nebraska after adding a teen driver can be a tall task. After all, teens pay some of the highest car insurance rates because of their propensity for risky driving behavior. However, requesting quotes from some of the companies below might help alleviate some of the financial stress parents may feel after their child gets their driver’s license.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
EMC | $354 | $2,064 |
North Star Mutual | $430 | $2,429 |
Iowa Farm Bureau | $517 | $1,708 |
Amco Insurance | $552 | $1,589 |
Allstate | $568 | $4,019 |
Getting a speeding ticket
While not ideal, speeding tickets are a common conviction many of us experience at some point during our lives. It depends on the company, but a speeding ticket can affect your car insurance premium for three to five years. We did some digging and found that the companies below may offer cheap car insurance in Nebraska, even after a speeding conviction.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
EMC | $201 | $1,276 |
Farmers Mutual of Nebraska | $259 | $1,357 |
Auto-Owners | $263 | $1,488 |
North Star Mutual | $279 | $1,735 |
USAA | $352 | $1,566 |
Getting into an at-fault accident
Based on our research of average premium data, an at-fault accident in Nebraska may increase your full coverage car insurance premium by about 45 percent. Even so, the companies below might be a good place to start if you have an at-fault accident on your record:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
EMC | $207 | $1,332 |
Auto-Owners | $234 | $1,384 |
Farmers Mutual of Nebraska | $285 | $1,505 |
North Star Mutual | $313 | $1,949 |
USAA | $436 | $1,862 |
Being deemed a high-risk driver
A DUI may be the most serious driving incident, and once convicted, your car insurance company may deem you a high-risk driver. Finding low-cost car insurance in Nebraska can be challenging once you’re a high-risk driver, but it could be possible with some extra work. However, it is important to note that although the companies below may be the cheapest for high-risk drivers, whether or not the company will offer you a policy could depend on factors such as your blood alcohol level (BAC). For specifics, please get in touch with the company directly.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
EMC | $211 | $1,340 |
Progressive | $436 | $2,143 |
Farmers Mutual of Nebraska | $468 | $2,451 |
Auto-Owners | $479 | $2,243 |
State Farm | $547 | $2,238 |
Minimum coverage requirements for Nebraska drivers
In Nebraska, like in most states, drivers are required to carry minimum levels of certain car insurance coverages. In Nebraska, you must carry at least the following coverages and levels to drive legally:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 underinsured motorist bodily injury per person
- $50,000 underinsured motorist bodily injury per accident
If you purchase minimum coverage, you might pay some of the lowest rates. However, if you cause an accident and the damages exceed your insurance limit, you will be responsible for the overage out of pocket. Most insurance professionals recommend that you purchase higher liability limits if you can afford to.
Additionally, minimum coverage does not include comprehensive or collision coverages, the options that provide coverage for damage to your own vehicle. Adding these coverages means you will be purchasing full coverage. If you have a loan or lease on your car, your lender likely requires you to carry full coverage.
How to get the cheapest car insurance in Nebraska
Although car insurance in Nebraska is lower than the national average, you might be able to save even more by following these tips:
Shop around
Each insurance company offers different rates. Getting quotes for the same coverage limits from several companies might help you find a lower price for the coverage you need.
Maintain a clean driving record
If you have accidents, tickets or DUI convictions on your record, insurance companies will likely charge you a higher premium to offset the increased risk of you causing accidents in the future. If you can keep your driving record clean for several years, you may get a lower rate.
Increase your deductibles
If you have full coverage, you have two deductibles on your policy, one for comprehensive and one for collision. Your collision deductible generally has more of an impact on your premium than your comprehensive deductible. Typically, a higher deductible means a lower premium. However, choosing a deductible is a bit of a balancing act. Most insurance agents recommend that you choose a deductible amount that you can safely pay out of pocket with no warning. Otherwise, you run the risk putting yourself in a precarious financial situation if you need to file a claim.
Car insurance discounts in Nebraska
Taking advantage of every discount you’re eligible for can be an easy way to find the most Nebraska car insurance savings. Every company offers its own set of unique discounts, but some of the most common ones include:
- Young driver discounts: Teens and young drivers pay some of the highest rates due to their elevated risk. To offset these higher premiums, companies often offer young driver discounts, including the good student discount, driver’s training discount and the distant student discount.
- Safe driver discounts: Practicing safe driving habits and maintaining a clean record can grant you the best base rates, and you could also earn a safe driving discount. Each company sets its own rules for how long you must be ticket-and-accident-free to qualify, but typically, you must have a clean record for three to five years. For specifics, you may want to ask your agent.
- Bundling discounts: If you’re in the market for another type of insurance (homeowners or renters, for instance), it could be worth your while to purchase it at the same time as your auto policy, especially if your company offers a bundling discount.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 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 2021 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.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.