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Compare car insurance in Nebraska

Get the cheapest car insurance in Nebraska for 2021

The average annual cost of car insurance in Nebraska is $1,100. Narrow down car insurers offering coverage in Nebraska by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
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.
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.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers

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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

Most popular Nebraska auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$281,71621.5%
Farmers Mutual$117,5349.0%
American Family$108,0288.2%
Farm Bureau$87,5956.7%

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

CompanyAnnual car insurance rate
American Family$446
21st Century$1224

Car insurance quotes in Omaha

CompanyAnnual car insurance rate
American Family$546
21st Century$1495

Car insurance quotes in Fremont

CompanyAnnual car insurance rate
American Family$400
21st Century$981

Car insurance quotes in Norfolk

CompanyAnnual car insurance rate
American Family$337
21st Century$876

Car insurance quotes in North Platte

CompanyAnnual car insurance rate
American Family$300
21st Century$761

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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