Best car insurance in Nebraska for 2023

Best car insurance companies in Nebraska

The average cost for the state's mandated minimum coverage is $359 per year, as opposed to the national average of $622 per year. Full coverage, which includes both collision and comprehensive coverage, costs an annual average of $1,624 in the Cornhusker State, while nationally, full coverage is $2,014 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.

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.

How much is car insurance in Nebraska?

Nebraska's state annual averages — $359 for minimum coverage and $1,624 for full coverage — are well below the national annual averages of $622 and $2,014 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 $276 per year for minimum coverage and $1,553 per year for full coverage; while in Kansas the rates are somewhat higher, at $416 per year for minimum coverage and $1,878 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.

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.

Consider minimum insurance requirements in Nebraska

As is true of most areas of the U.S., Nebraska state law mandates that you carry a certain amount of liability insurance to drive legally in the state. Although the state does allow for a few options when it comes to ensuring your financial responsibilities are covered, having a policy is generally the simplest. If you can afford it, it’s a good idea to carry more than the state's minimum requirements, which may not be adequate to protect you following a serious accident. This could leave you facing high costs for medical needs or property damage.

Consider lender requirements

Nebraska state minimum requirements include only liability insurance, which would cover the other car and its drivers and passengers if you are in an at-fault accident. To protect your own car, you will need to add collision and comprehensive coverage, giving you full coverage. If you have a car loan or lease, your lender will probably require you to carry full coverage in order to protect their investment. Even if you don't have a lender, full coverage is a good idea as long as you can handle the increased cost.

Consider your individual needs

When shopping for insurance, it's wise to consider the individual needs that may be unique to your situation. If you have a teen driver or senior driver, for example, it's often possible to earn discounts that will lower your premium costs. If you work from home or are retired, you may be able to find an insurer that charges less for having low annual mileage. Additionally, consider how you like to do business: would you rather have a relationship with a local agent who knows you well, or do you prefer to handle your insurance needs via an app? All these should play a role in determining the best insurer for you.

Frequently asked questions