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Best car insurance in Nebraska for 2023

Updated Apr 06, 2023
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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.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly full coverage premium
$105
Average annual full coverage premium
$1,257
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly full coverage premium
$160
Average annual full coverage premium
$1,921
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Central region)
800
/1,000
Average monthly full coverage premium
$98
Average annual full coverage premium
$1,179
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly full coverage premium
$208
Average annual full coverage premium
$2,492
American Family
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
848
/1,000
Average monthly full coverage premium
$160
Average annual full coverage premium
$1,919
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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.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly minimum coverage premium
$24
Average annual minimum coverage premium
$283
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$396
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Central region)
800
/1,000
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$352
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$316
American Family
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
848
/1,000
Average monthly minimum coverage premium
$52
Average annual minimum coverage premium
$618
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.

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.

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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.
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Insurance Disclosure

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 for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879/1,000 AM Best: A++

Average annual premium

$ 1,257 for full coverage
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Why USAA made the list: USAA's high marks for financial stability and customer service earn it a spot on our list of the best car insurance in Nebraska. USAA is available across the U.S., as well as for service members stationed abroad in many cases. To qualify for coverage, you need to be an active member of the military or reserves, a veteran or an immediate family member of a person who serves or served. USAA offers a good range of coverage options, such as roadside assistance and rental reimbursement, along with a handful of discounts to help reduce its generally low rates. 

Who USAA may be good for: Those seeking specialized military coverage should consider USAA. Service members stationed at Offutt Air Force Base, for example, may find useful coverage from USAA. Garaging your car on base can save you up to 15 percent.

Read full USAA Insurance review

Best for discounts

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 820/1,000 AM Best: A+

Average annual premium

$ 1,921 for full coverage
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Why Progressive made the list: Progressive’s innovative Name Your Price tool makes it easy to find a level of insurance with which you're comfortable financially. The company earned a high Bankrate Score because of its strong digital tools, extensive discount list and customizable policies. It has a solid score for financial strength from AM Best, and could be a good choice if you have a less-than-stellar driving record since it is known for writing policies for those who have DUIs or other infractions on their driving record.

Who Progressive may be good for: If you're on a tight budget, Progressive may be a good fit. The company offers coverage options that you can add to your policy to fit your budget and needs, and an extensive list of easy-to-earn discounts.

Read full Progressive Insurance review

Best for personalized coverage

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 800/1,000 AM Best: A+

Average annual premium

$ 1,179 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made the list: Nationwide offers a variety of coverage options in addition to basic liability coverage — some of which may be unavailable from other insurers. You can choose gap coverage, for example, which pays the difference between your new car's actual cash value and what you owe on your loan. The company also has accident forgiveness coverage, a vanishing deductible and a total loss deductible waiver to help you save money in the event of an at-fault accident.

Who Nationwide may be good for: If you like to personalize your policy to meet your unique needs, consider getting a quote from Nationwide. From towing and labor coverage to rental car access, it allows you to tailor your coverage to suit you and your wallet.

Read full Nationwide Insurance review

Best for insuring teen drivers

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 816/1,000 AM Best: A+

Average annual premium

$ 2,492 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made the list: Allstate is a viable option for new drivers. Teen drivers and their parents may appreciate the company's smart student discount. Teens can save by carrying a GPA of B- or above, by completing a teenSMART driver education program or by attending school at least 100 miles away from where their car is garaged. Allstate offers solid coverage with good endorsement options such as sound system insurance and roadside assistance. There are also plenty of local agents in Nebraska, making it easy to do your business in person, if you prefer.

Who Allstate may be good for: Parents who have a teen driver in the house know that rates for young adults and teens are often on the high side, and may find Allstate appealing because of its young driver discounts.

Read full Allstate Insurance review

Best for customer satisfaction

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 848/1,000 AM Best: A

Average annual premium

$ 1,919 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why American Family made the list: AmFam, as it is commonly known, clearly places a priority on customer satisfaction, as can be seen by its second-place rank in overall auto customer satisfaction as studied by J.D. Power. While the company's average rates in Nebraska are more than the state averages, AmFam has a good assortment of discounts. These include a diminishing deductible that lowers the amount you pay for collision and comprehensive by $100 yearly and optional endorsements, including rental reimbursement, gap coverage and emergency roadside service.

Who American Family may be good for: If you value a company that strives to make all your interactions satisfying and efficient, consider AmFam. Policyholders have given the company high scores based on their interactions, both in person and via the company's digital tools.

Read full American Family Insurance review

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.

Average annual premium for full coverage in Nebraska Average annual premium for minimum coverage in Nebraska
$1,624 $359

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.

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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance