Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Nebraska

Get the cheapest car insurance in Nebraska for 2022

Get the cheapest quotes on your auto insurance

Enter your ZIP code to see insurers near you.

Your information is secure.


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

Picture not described

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. This 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.

Cheapest rates by age in Nebraska

If you’re a young driver under age 25, expect to pay up to twice as much as other ages for car insurance. Allstate gives the cheapest quote for under-25 drivers in this sample. However, you may want a quote from Geico and Progressive if you’re age 35 and over.

AgeAllstateProgressiveGeicoUSAA
16-24$116.26$182.32$196.94$167.97
25-34$114.52$127.66$131.43$116.59
35-44$131.23$99.80$120.64$130.51
45-54$131.30$127.45$100.30

Cheapest rates by gender in Nebraska

The gender gap can lead to men paying up to $18 more monthly than women in Nebraska. Men may find the best deal from Geico, while women may want a quote from USAA or Allstate.

CompanyAllstateProgressiveGeicoUSAA
Men$122.23$141.30$121.52$137.19
Women$122.13$130.78$139.55$120.08

Sample rates in Nebraska from major car insurance companies

Allstate brings the lowest costs for Nebraskans, based on sample quotes from Savvy.

With Allstate, you also can opt into its Drivewise or rewards programs to save more money. Drivewise is a safe driver program that tracks your driving and sets a discount if you’re a safe driver.

CompanyAllstateProgressiveGeicoUSAA
Rate$122.19$135.29$130.54$132.92

Best car insurance in Nebraska

Since car insurance costs less in Nebraska compared to other states, shop around for coverage and try price-matching with your preferred company. We recommend starting with these companies.

We vetted insurance companies by looking at ratings from J.D. Power, the Better Business Bureau and National Association of Insurance Commissioners. We also chose companies that offer ample coverage and significant discounts for the best value.

Best coverage options: Progressive

Progressive

Finder rating 4 / 5 ★★★★★

Progressive is a big name in car insurance with a myriad of coverage options, including extras for custom vehicle parts, gap or rideshare coverage. It also offers the convenience of keeping all your insurance in one place. If you need something insured, Progressive probably covers it — auto, home, RV, classic car, valuable belongings, business insurance and more.

We've also found Progressive's car insurance rates competitive with other national brands, especially if you're a safe driver. For instance, having a claim-free history could shave up to 31% off your premiums.

Best rewards for safe drivers: Allstate Drivewise

Allstate

Finder rating 4 / 5 ★★★★★

Allstate Drivewise is a telematics insurance program, which tracks your driving and scores you on braking, speed and the time of day. You can receive up to 40% off your premium for driving safely, plus earn Allstate Rewards to redeem for gift cards and merchandise after 50 trips.

If you're interested in this type of program, Drivewise has one of the most user-friendly apps available. The Drivewise app saw high customer ratings before it merged with Allstate's main insurance app. Plus, unlike other companies, Allstate won't raise your rates if you're not deemed a safe driver.

Best customer service: Shelter

Shelter

Finder rating 4 / 5 ★★★★★

If you like going local, Shelter is a solid option in Nebraska. The company ranks at the top in J.D. Power's auto insurance study in the Central region, which includes Nebraska.

You won't have to sacrifice on coverage or discounts by going with Shelter. The company offers all the mainstays of national brands. It even includes roadside assistance and will replace your car with a new one if yours was under a year old and 15,000 miles.

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.

What happens if I need an SR-22 in Nebraska?

If you need an SR-22, you or your insurance company will file the SR-22 form with the Nebraska Department of Motor Vehicles. An SR-22 is a form that proves you meet the state’s minimum car insurance requirements. The amount of time that you’re required to file it depends on the violation but can last up to three years.

Also, expect your insurance rates to go up since needing an SR-22 puts you in a high-risk category for car insurance. You might need an SR-22 after a DUI conviction, driving without car insurance or accumulating too many points on your driving record.

Coverage that we recommend in Nebraska

The purpose of your car insurance is to help you recover financially after a car accident. Consider optional types of coverage that may be worth the extra cost for you, including:

Higher liability limits

Nebraska requires 25/50/25 for liability coverage, a low amount of protection for paying for someone else’s medical bills and property damage. You need higher protection in most cases, especially if another driver takes you to court. Talk with your insurance agent or financial adviser about how much liability coverage to buy.

Collision

For accidents where you’re at fault, your collision coverage pays for your own car’s damage — if you buy this optional coverage.

Remember that your liability coverage doesn’t pay for your car damage. Instead, it pays for damage to someone else’s property.

Consider collision coverage if . . .

  • Your car loan requires it.
  • It costs less than your car’s value.
  • You can’t pay for car repairs or another car out of pocket.
  • You drive your car regularly, such as for commuting.

Comprehensive

Because car theft happens in Nebraska more than in other states, consider adding comprehensive coverage to your policy. This coverage also kicks in if your car gets damaged by falling tree branches, animals or harsh weather.

Consider this coverage if . . .

  • It’s required for your car loan.
  • You can’t repair or replace your car out of pocket.
  • Your area has a high risk of theft or serious storms.

Personal injury protection (PIP)

While optional in Nebraska, personal injury protection helps if you or your passengers get hurt in an accident, no matter who’s at fault. PIP also pays for lost income or home services if you can’t work or keep up with household duties.

Consider this coverage if . . .

  • You don’t have health insurance or have a high deductible.
  • You want peace of mind that your medical bills are covered.
  • You want coverage for lost income.

      Top 10 auto insurance companies in USA that serve Nebraska

      See the top insurers by market share nationally that serve in Nebraska, according to S&P Global. To help you make the right decision for you, we list each company’s ratings from top rating agencies, including:

      • The Better Business Bureau (BBB) rating scores how a business interacts with its customers, rating insurers as high as A++.
      • J.D. Power scores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
      • The National Association of Insurance Commissioners (NAIC) complaint index shows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
      • Finder’s score rates companies based on their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
      Provider
      BBB Rating
      JD Power Rating
      NAIC complaint ratio
      National market share %
      Finder score
      Go to site
      State Farm
      A+
      847/1000
      1.93
      16.2

      ★★★★★ 4/5

      Read review

      Geico
      A+
      832/1000
      1.42
      13.6

      ★★★★★ 4/5

      Read review

      Progressive
      A+
      830/1000
      1.05
      13.3

      ★★★★★ 4/5

      Get Quotes
      Allstate
      A+
      827/1000
      2.71
      10.4

      ★★★★★ 4/5

      USAA
      A+
      884/1000
      1.9
      6.3

      ★★★★★ 4/5

      Get Quotes
      Farmers
      A-
      820/1000
      1.64
      4.9

      ★★★★★ 4/5

      Read review

      Liberty Mutual
      A+
      827/1000
      2.2
      4.7

      ★★★★★ 4/5

      Get Quotes
      Nationwide
      A+
      814/1000
      2.08
      2.3

      ★★★★★ 4/5

      Read review

      American Family
      A+
      815/1000
      1.35
      2.1

      ★★★★★ 4/5

      Read review

      Travelers
      A+
      820/1000
      3.28
      2

      ★★★★★ 4/5

      Read review

      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 Gap insurance Homeowner discount Telematics Has an app? Available states
      Progressive
      loan/lease coverage
      Yes
      Snapshot
      Yes
      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.
      The Zebra
      Yes
      Yes
      Yes
      Yes
      All 50 states
      USAA
      No
      Yes
      SafePilot
      Yes
      All 50 states & DC
      Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
      Liberty Mutual
      Yes
      Yes
      RightTrack
      Yes
      All 50 states & DC
      Earn free accident forgiveness after five years claims-free and customize your policy anytime.
      Bankrate
      Bankrate
      Yes
      Yes
      Yes
      Yes
      All 50 states
      Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
      Quinstreet - Insure.com
      Quinstreet - Insure.com
      Yes
      Depends on provider
      Depends on provider
      Depends on provider
      All 50 states
      loading

      Compare up to 4 providers

      Nebraska car insurance and driving laws

      Stay up to date on laws in Nebraska that affect when you need car insurance and how much coverage to buy.

      The driver at fault pays for damage after an accident

      Nebraska is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

      However, Nebraska also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, drivers can get reimbursed for their damages as long as their share of fault isn’t greater than other drivers.

      For example, if you’re 80% responsible for an accident, your insurance will pay for the other driver’s damages. However, since your level of fault is greater than the other driver’s, that driver isn’t required to pay for your damages.

      How do I register my car in Nebraska?

      To register your car, visit your nearest county treasurer. You’ll need to provide proof of car insurance, proof that the car is yours and payment for any fees. You’ll then receive a registration certificate, license plates and validation tabs.

      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.

      More guides on Finder

      Ask an Expert

      You are about to post a question on finder.com:

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • finder.com is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked

      Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

      By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

      Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
      Go to site