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Compare car insurance in Nebraska

Get the cheapest car insurance in Nebraska for 2020

Updated

Unlike some states, Nebraska drivers have to get underinsured motorist insurance with car insurance policies. But the good news is car insurance is cheaper than the national average in this Western state.

Nebraska

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,100

Average annual car insurance cost

60

Days to update your license

At-fault state

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

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance in Nebraska

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $281,716 21.5%
Progressive $182,652 13.9%
Farmers Mutual $117,534 9.0%
American Family $108,028 8.2%
Farm Bureau $87,595 6.7%
Geico $80,530 6.1%
Allstate $64,332 4.9%
Nationwide $64,300 4.9%
USAA $58,392 4.4%
Farmers $41,374 3.2%

Average car insurance costs in Nebraska

The average cost for a year of auto insurance in this state is about $1,100, which is slightly below the national average of $1,250. Part of the reason for this, according to industry experts, is the low number of uninsured drivers in this state; when everyone pays for insurance and does their part, overall costs for coverage tend to go down.

However, you could still end up paying less than this relatively affordable state average by following our tips and taking the time to compare and shop around.

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

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

Car insurance quotes in Omaha

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

Car insurance quotes in Fremont

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

Car insurance quotes in Norfolk

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

Car insurance quotes in North Platte

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

Minimum car insurance requirements in Nebraska

Drivers in Nebraska are required to carry liability coverage that includes:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability total per accident.
  • $25,000 property damage liability total per accident.

When shopping for car insurance, you’ll see this written as 25/50/25.

Nebraska is one of the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver against other drivers who aren’t adequately covered by their own policy.

To legally drive in Nebraska, you’re required to carry:

  • $25,000 uninsured motorist coverage per person.
  • $50,000 uninsured motorist coverage total per accident.

If you live in Nebraska, you can decline uninsured motorist insurance in writing. While removing this coverage could save you a little month to month, it exposes you to risk if you have an accident with someone carrying no or insufficient coverage.

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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