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Best car insurance in Nebraska for 2024

Updated Jun 01, 2024
USAA, Progressive, Nationwide, Allstate and American Family top our list of auto insurance providers in Nebraska.
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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.

Best car insurance companies in Nebraska

The average cost for the state's mandated minimum coverage is $583 per year, as opposed to the national average of $640 per year. Full coverage, which includes both collision and comprehensive coverage, costs an annual average of $2,309 in the Cornhusker State, while nationally, full coverage is $2,311 per year.

Bankrate worked with data supplied by Quadrant Information Services to determine average annual rates. This data, combined with an in-depth analysis by our insurance editorial team, indicated that a handful of companies were writing competitive, robust policies that meet the needs of Nebraska drivers. These include USAA, Progressive, Nationwide, Allstate and American Family. We looked at factors such as each company's customer service satisfaction with third-party evaluators such as J.D. Power, financial strength through agencies like AM Best, website and digital tools for ease of use, and range of coverage offerings and discounts.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,681
$341
4.2
Rating: 4.2 stars out of 5
$1,639
$317
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$3,335
$740
4.2
Rating: 4.2 stars out of 5
N/A
N/A

Progressive

Best for digital tools

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$140/mo

Avg. full coverage premium

$1,681/yr

Customer satisfaction

803/1,000

USAA

Best for military-focused coverage

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$137/mo

Avg. full coverage premium

$1,639/yr

Customer satisfaction

890/1,000

Nationwide

Best for customizable coverage

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

792/1,000

Allstate

Best for new drivers

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$278/mo

Avg. full coverage premium

$3,335/yr

Customer satisfaction

806/1,000

American Family

Best for customer satisfaction

American Family

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

837/1,000

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How Bankrate chose the best car insurance companies in Nebraska

In order to help drivers make the best choice for their car insurance, Bankrate's insurance editorial team did the legwork to analyze data on insurers who write policies in Nebraska, using a broad range of factors, from average price to the availability of digital tools, that impact the customer experience. Our Bankrate Score summarizes our findings, giving you a simple, data-driven way to understand which company may be the best choice for your needs.

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Why you can trust Bankrate

Read our full methodology

To help Nebraska drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

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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.

How to find the best car insurance in Nebraska

There are a number of meaningful reasons to have car insurance outside of it being a legal requirement. It makes sense to find the best auto insurance in Nebraska so you are protected from financial distress in the event of an accident. A robust and thorough policy can save you thousands of dollars or more in the event of a serious accident. With a little time, finding Nebraska car insurance that fits your needs is not hard. Consider the following factors when you are searching.

Related content:

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Answer a few questions to see personalized rates from top carriers in Nebraska

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.

How much is car insurance in Nebraska?

Nebraska's state annual averages — $583 for minimum coverage and $2,309 for full coverage — are below the national annual averages of $640 and $2,311 for minimum and full coverage, respectively. This is welcome news to Nebraska drivers, who may find even lower rates by shopping around. Compared to other states nearby, Nebraska’s average cost of coverage falls somewhere in the middle. South Dakota drivers pay slightly less, with averages of $350 per year for minimum coverage and $2,268 per year for full coverage; while in Kansas the rates are somewhat higher, at $614 per year for minimum coverage and $2,554 for full coverage.

Nebraska's relatively low rates may be partly accounted for by the fact that many of the state's drivers live in rural areas, where there is less of a chance of accidents. Insurance tends to be higher in congested urban areas, since these regions are more likely to see fender benders and other, more serious accidents, which may result in increased claims and increased costs.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Nebraska

Finding the best car insurance companies in Nebraska can be challenging. To help you make the right decisions, Bankrate created this estimator tool to give you a benchmark figure for your own coverage. By inputting a few key facts, you can get an estimate of what you are likely to pay for your Nebraska coverage.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed