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Best car insurance in Nebraska for 2024

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

Updated Feb 21, 2024
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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 $516 per year, as opposed to the national average of $741 per year. Full coverage, which includes both collision and comprehensive coverage, costs an annual average of $1,994 in the Cornhusker State, while nationally, full coverage is $2,545 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
4.2
Rating: 4.2 stars out of 5
$1,341
$278
4.4
Rating: 4.4 stars out of 5
$1,585
$330
4.0
Rating: 4 stars out of 5
$1,281
$357
3.9
Rating: 3.9 stars out of 5
$2,796
$439
4.2
Rating: 4.2 stars out of 5
$1,470
$404

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$112/mo

Avg. full coverage premium

$1,341/yr

Customer satisfaction

890/1,000

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$132/mo

Avg. full coverage premium

$1,585/yr

Customer satisfaction

803/1,000

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

$107/mo

Avg. full coverage premium

$1,281/yr

Customer satisfaction

792/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$233/mo

Avg. full coverage premium

$2,796/yr

Customer satisfaction

806/1,000

American Family

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$122/mo

Avg. full coverage premium

$1,470/yr

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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

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.

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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.

How much is car insurance in Nebraska?

Nebraska's state annual averages — $516 for minimum coverage and $1,994 for full coverage — are well below the national annual averages of $741 and $2,545 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 $334 per year for minimum coverage and $1,939 per year for full coverage; while in Kansas the rates are somewhat higher, at $631 per year for minimum coverage and $2,630 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.

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Why we're asking
Methodology

Frequently asked questions

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 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
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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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