Cheapest car insurance in Nebraska for 2025

Drivers looking for Nebraska cheap car insurance may be pleased to know that average rates in the Cornhusker State are below national averages, at $514 for state-mandated minimum coverage and $2,405 for full coverage, which includes optional collision and comprehensive coverage. Keep in mind, however, that your own rate is based on a range of factors that are unique to you, and thus may vary from the averages. To help you find the cheapest car insurance in NE, Bankrate's insurance editorial team took a careful look at the carriers writing policies in the state, so you can make the best decision for your own insurance policy.

Key takeaways

• Cheapest company for minimum coverage: North Star Mutual
• Cheapest company for full coverage: Auto-Owners
• Cheapest company for drivers with prior incidents: North Star Mutual
• Cheapest company for young drivers: North Star Mutual

Almost every state in the U.S. requires drivers to have car insurance to drive legally on public roads, and Nebraska is no exception. Minimum coverage is generally the cheapest option for drivers, so if you are looking for the most affordable coverage in the state, you may want to consider one of the following carriers.

Minimum coverage requirements for Nebraska drivers

Minimum coverage in Nebraska includes liability insurance, which pays for damage and injuries to the other car and driver in an accident when you are found to be at fault. Nebraska statutes also require several other types of coverage, as this list shows:

• $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 damage exceeds 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 coverage, which provides financial protection 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.

Although minimum coverage may protect you in the event of some accidents, it will not pay for damages to your own vehicle in an at-fault accident. To provide this coverage, referred to as full coverage insurance, you need optional collision and comprehensive insurance. This type of insurance helps pay for damages from both accident and non-accident mishaps, such as theft, vandalism and weather-related damage. Companies with cheap auto insurance in NE for full coverage include Auto-Owners and USAA.

Your driving record is one of the top factors that insurers use when determining your auto insurance rates. Things like speeding tickets, accidents and other risk factors can lead to big increases in your rates.

Depending on what your prior incident was, you may want to work with a different insurer:

• Cheapest car insurance for drivers with a ticket: North Star Mutual
• Cheapest car insurance for drivers with an at-fault accident: USAA
• Cheapest car insurance for high-risk drivers: Progressive

Cheapest insurance companies for drivers in Nebraska with a speeding ticket: North Star Mutual

While not ideal, speeding tickets are a common conviction many of us experience at some point during our lives. Depending on the insurance company, a speeding ticket infraction usually affects 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.

Cheapest car insurance for drivers in Nebraska with an at-fault accident: USAA

Based on our research of average premium data, an at-fault accident in Nebraska may cause your full coverage car insurance premium to be about 55 percent more. Even so, the companies below might be a good place to start if you have an at-fault accident on your record:

Cheapest car insurance in Nebraska for high-risk drivers: Progressive

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.

Age is a big factor in how much you pay for insurance. Younger people typically have less experience behind the wheel than older drivers and, statistically, have a far higher chance of getting into an accident and filing a claim. The rates they pay can be more than double the typical rates that an older, more experienced driver pays.

If you’re a teen or young adult, you’ll want to shop around for a good deal to help save money.

• Cheapest car insurance for insuring a teen driver: North Star Mutual
• Cheapest car insurance for teens with a ticket: North Star Mutual
• Cheapest car insurance for teens with an at-fault accident: Farmers
• Cheapest car insurance for young drivers with a DUI: Progressive

Cheapest Nebraska car insurance for insuring a teen driver: North Star Mutual

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 and lack of experience behind the wheel. However, requesting quotes and looking for discount options 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.

Cheapest Nebraska car insurance for teens with a ticket: North Star Mutual

A teen who gets a ticket while driving can expect their insurance rates to climb even higher than the base rate to insure them. The rates below show the cheapest average premiums available for an 18-year-old on their own policy with a speeding ticket from various Nebraska car insurance companies.

Cheapest Nebraska car insurance for teens with an at-fault accident: Farmers

Getting into an accident can be a scary experience for a new driver. It can also have financial implications, especially if you’re found to be at fault. Your rates are likely to increase significantly.

Cheapest Nebraska car insurance for young drivers with a DUI: Progressive

Many insurers consider a DUI the most serious moving violation you can earn. For a young driver who is already paying high insurance rates, this infraction is likely to send their rate considerably higher. Some carriers will not write policies for drivers with a DUI, so you may have to shop around to find affordable coverage if you are convicted of this infraction. Rates in the following table are for a 21-year-old on their own policy who has a single DUI on their record.

One solid way to save money on your Nebraska car insurance is to make sure you are receiving all the discounts for which you are eligible. Although these vary from company to company, almost every carrier has at least a few. Some of the most common ones are as follows:

• Bundling discount: If you are happy with your car insurance company, you may want to consider purchasing your home, condo or renters insurance from them as well. Many companies offer a discount for this practice, called bundling. You might also earn a discount for insuring more than one car with the same company.
• Safe driver discounts: You may earn a discount if you go for a certain number of years — often three to five — without filing a claim. You may also have savings for taking a defensive driving course and brushing up on your skills behind the wheel. 
• Telematics discount: Insurers are increasingly using telematics programs, which feature a mobile app that monitors your driving in real time. If you prove to be a safe and careful driver, you can save significantly. Some insurers, however, may increase your rate if you exhibit unsafe driving practices. 
• Safety feature discount: This simple-to-earn discount may come into play if your vehicle has common features such as anti-lock brakes, air bags or security systems. 
• Billing discounts: Just by agreeing to receive your documents via email rather than postal mail may net you some savings. You might also earn a discount for setting up paperless billing or paying your entire premium in one payment at the beginning of the coverage period.
• Professional discounts: If you work in certain professions, often including teachers, first responders or other healthcare professionals, some insurers will offer a small discount. 

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