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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.

Updated Mar 13, 2023
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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:

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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.

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:

EMC
Average monthly minimum coverage premium
$16
Average annual minimum coverage premium
$189
Annual savings vs. State average*
- $170
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
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
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly minimum coverage premium
$24
Average annual minimum coverage premium
$283
Annual savings vs. State average*
- $76
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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.

*Based on policies with minimum coverage for 2023

Amco Insurance
Average monthly full coverage premium
$84
Average annual full coverage premium
$1,012
Annual savings vs. State average*
- $612
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,152
Annual savings vs. State average*
- $472
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
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
Powered by Coverage.com (NPN: 19966249)
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.

*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.
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Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor