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Compare car insurance in Nebraska

Get the cheapest car insurance in Nebraska for 2021

The average cost of auto insurance in Nebraska is about $962.79 per year or about $80 per month, according to the National Association of Insurance Commissioners (NAIC). That means Nebraskan drivers pay over $225 a year below the national average, which is $1,190 annually.

However, the NAIC takes in to account policies both with state minimum coverage and those with added coverage, such as comprehensive and collision. Since costs vary based on your location, record and driving situation, you could pay more or less than this relatively affordable state average.

Nebraska car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$962.79

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Nebraska state minimum requirements

As with all other states, you’re required to carry liability coverage to drive in Nebraska. When buying coverage, you may see the required level of liability written as 25/50/25. Nebraska is one of the 20 states that also requires you to carry uninsured or underinsured motorist coverage, although you can opt out if you wish.

Let’s look in detail at what’s covered with Nebraska’s state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for bodily injuries to two or more people per accident

At a minimum, Nebraska requires at least 25/50 for bodily injury liability, which pays up to $25,000 for injuries to one person and up to $50,000 if you injure multiple people in one accident. This is a common coverage level required by other states.

Bodily injury coverage kicks in for other drivers, passengers or pedestrians if you cause an auto accident. Buying an ample amount of bodily injury coverage is important so that you avoid paying out of pocket for someone else’s medical bills or pain and suffering.

Property damage liability

Property damage liability

  • $25,000 for property damage liability

Nebraska requires you to carry $25,00 for property damage, which pays out for damage to someone else’s car, personal belongings or property like fencing. This is a standard amount for a state requirement, although plenty of states require less coverage.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist injuries per person
  • $50,000 for uninsured motorist injuries to multiple people

Nebraska requires uninsured or underinsured motorist coverage to protect you against drivers who don’t have adequate insurance to pay for damage. You can decline uninsured motorist insurance in writing, but you risk paying for your medical bills or car damage out of pocket if you get hit by someone with little to no coverage. Uninsured motorist coverage also applies to hit-and-runs.

Finder tip: Nebraska’s state minimum coverage isn’t enough

Even though Nebraska keeps similar requirements as other states, these state minimums may not cover all accident damage that you cause. That leaves you unprotected for damage or injuries costing more than your insurance will pay. To avoid paying out of pocket, try raising your liability and uninsured or underinsured motorist limits if your budget allows.

7 factors that affect car insurance rates in Nebraska

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Nebraskan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Nebraska takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Nebraska vehicle theft rates stand at 260.5 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s above the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 9.3% of Nebraskans on the road are uninsured. That’s less than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Nebraska can increase your rate by around 58%. These types of violations typically stay on your record for about three years.
Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Nebraskans drive an average of 28.9 miles per day, that’s below the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Nebraska drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

Most popular Nebraska auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$281,71621.5%
Progressive$182,65213.9%
Farmers Mutual$117,5349.0%
American Family$108,0288.2%
Farm Bureau$87,5956.7%
Geico$80,5306.1%
Allstate$64,3324.9%
Nationwide$64,3004.9%
USAA$58,3924.4%
Farmers$41,3743.2%

Which city has the cheapest car insurance in Nebraska?

Of Nebraska’s largest cities, North Platte has the cheapest rates and Omaha has the most expensive car insurance rates. Omaha drivers could face rates 5 times more than North Platte drivers.

Car insurance quotes in Lincoln

CompanyAnnual car insurance rate
Allstate$710
American Family$446
21st Century$1224
AAA$542
Geico$1137

Car insurance quotes in Omaha

CompanyAnnual car insurance rate
Allstate$867
American Family$546
21st Century$1495
AAA$768
Geico$1691

Car insurance quotes in Fremont

CompanyAnnual car insurance rate
Allstate$549
American Family$400
21st Century$981
AAA$520
Geico$1254

Car insurance quotes in Norfolk

CompanyAnnual car insurance rate
Allstate$551
American Family$337
21st Century$876
AAA$520
Geico$1033

Car insurance quotes in North Platte

CompanyAnnual car insurance rate
Allstate$667
American Family$300
21st Century$761
AAA$407
Geico$935

Compare car insurance providers in Nebraska

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

Can I get SR-22 insurance in Nebraska?

Yes, you can get SR-22 insurance in Nebraska. You might need this kind of insurance after a DUI conviction, after being caught without car insurance or when you’ve accumulated too many violation points on your driving record.

Bottom line

To legally drive in Nebraska, you’ll need to carry at least the state’s minimum car insurance coverage. To get the cheapest coverage, carefully research your car insurance options to find a policy that meets your needs and budget.

Common questions about car insurance in Nebraska

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