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Cheapest car insurance in Nebraska for 2024

According to Bankrate’s analysis, Auto-Owners offer lower-than-average insurance rates in Nebraska.

Updated Feb 01, 2024
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The cheapest car insurance companies in Nebraska

Car insurance in Nebraska is 30 percent less than the national average at just $516 for minimum coverage and 22 percent less at $1,994 for full coverage, but insurance rates depend on various factors that are personal to you. For instance, your credit history, 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 cheap auto insurance in Nebraska, you might want to tailor your search based on your individual circumstances. Based on our in-depth study, the following carriers might offer the cheapest car insurance in Nebraska, depending on your needs and background:

Key takeaways

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Cheapest car insurance in Nebraska for minimum coverage

Nebraska, like most states, requires that drivers carry at least a minimum amount of liability coverage. From Bankrate research, the cheapest carriers in Nebraska for minimum coverage are USAA and North Star Mutual.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for min coverage
$23
$278
- $238
North Star Mutual
$24
$282
- $234
$24
$288
- $228
Farmers Mutual of Nebraska
$25
$297
- $219
$27
$330
- $186

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.

Cheapest car insurance in Nebraska for full coverage

While minimum coverage is enough to meet the legal requirement to drive in Nebraska, it’s beneficial to purchase higher limits and additional coverage. Full coverage insurance includes collision and comprehensive insurances, which pay to repair or replace your car if it’s damaged in an accident or by other things like theft, vandalism or weather. Bankrate research indicates that Auto-Owners and Nationwide offer some of the cheapest full coverage insurance in the state.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for full coverage
$96
$1,153
- $841
$107
$1,281
- $713
$112
$1,341
- $653
$122
$1,470
- $524
Farmers Mutual of Nebraska
$128
$1,531
- $463

Cheapest car insurance in Nebraska for drivers with prior incidents

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 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. 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.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
North Star Mutual
$324
$2,212
Farmers Mutual of Nebraska
$325
$1,678
$345
$1,671
$362
$1,531
$404
$1,470

Cheapest car insurance for drivers in Nebraska with an at-fault accident: Farmers Mutual of Nebraska

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 50 percent more. Even so, the companies below might be a good place to start if you have an at-fault accident on your record:

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
Farmers Mutual of Nebraska
$363
$1,863
$417
$1,715
$427
$1,983
North Star Mutual
$487
$3,393
$500
$2,475
*Based on full coverage policies for 2022.

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.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$382
$1,879
$404
$1,470
$567
$2,788
Farmers Mutual of Nebraska
$589
$3,043
$612
$2,182
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Bankrate’s take: Keep in mind, if you’ve had your license suspended, the DMV may require that you file an SR-22 before you can have your license reinstated. An SR-22 is a certificate from your insurance company that states that you have purchased coverage that meets state requirements. Nebraska requires that you keep an SR-22 on file for three years from the date you’re eligible to have your license reinstated.

Cheapest car insurance for young drivers in Nebraska

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 rates that a typical, older 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 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. 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.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
North Star Mutual
$500
$3,091
Farmers Mutual of Nebraska
$535
$2,363
$615
$2,029
$758
$2,390
$767
$2,739
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Bankrate’s take: Our teen driver profile reflects rates for a 16 year old on their married parent’s policy. Insurers typically charge more to insure a teen because of their perceived higher risk. Statistically, teens have a heightened risk of accidents and are more likely to file claims than some older drivers. To offset this higher risk, policies are surcharged when a teen is included in the coverage.

Cheapest Nebraska car insurance for teens with a ticket: Farmers Mutual of Nebraska

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 own their policy with a speeding ticket from various Nebraska car insurance companies.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
Farmers Mutual of Nebraska
$730
$3,229
North Star Mutual
$950
$6,068
$1,012
$2,989
$1,015
$4,462
$1,154
$4,100

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

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 will increase significantly.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
Farmers Mutual of Nebraska
$811
$3,585
$1,034
$4,466
North Star Mutual
$1,058
$6,859
$1,339
$4,695
$1,379
$9,344
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Bankrate’s take: Nebraska is a comparative fault state. That means that it’s possible for drivers to share the fault for an accident. For example, one driver can be found 80 percent at fault and the other driver 20 percent at fault. The driver who is majority at-fault will typically see their rates rise more significantly.

Cheapest Nebraska car insurance for young drivers with a DUI: American Family

While many young drivers are below the minimum drinking age, if you get a ticket for a DUI shortly after turning 21, you can expect a massive increase in your insurance rates. Additionally, not all carriers will write policies for drivers after receiving a DUI.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$584
$2,062
$588
$2,630
$961
$6,012
$1,034
$5,053
Farmers Mutual of Nebraska
$1,075
$5,081

Cheapest car insurance rates by city in Nebraska

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, leading to higher rates.

If you’re looking for cheap Nebraska car insurance and are planning to move, the cities below might be good places to research:

Cheapest cities in Nebraska for car insurance

Arnold
City average annual min coverage premium
$372
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$212
Bassett
City average annual min coverage premium
$370
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$212
Broken Bow
City average annual min coverage premium
$372
Cheapest car insurance carrier
Auto-Owners
Company average annual premium
$208
Merna
City average annual min coverage premium
$370
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$212
Westerville
City average annual min coverage premium
$368
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$212

Cheapest car insurance in larger cities in Nebraska

Bellevue
City average annual min coverage premium
$610
Cheapest car insurance carrier
USAA
Company average annual premium
$303
Grand Island
City average annual min coverage premium
$440
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$200
Kearney
City average annual min coverage premium
$413
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$202
Lincoln
City average annual min coverage premium
$553
Cheapest car insurance carrier
North Star Mutual
Company average annual premium
$255
Omaha
City average annual min coverage premium
$631
Cheapest car insurance carrier
USAA
Company average annual premium
$324

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

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46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
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quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate increases filed by insurance companies and are weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Young driver DUI rates are for 21-year-old drivers on their own policy; other young driver incident rates are for 18-year-old drivers on their own policy.

Teens: Rates were determined by adding a 16-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

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Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance