The average annual cost of a full coverage auto insurance policy in Nebraska is $1,617. But how much you pay varies based on a number of factors, including your ZIP code.
Wherever you live in the state, you can still find affordable car insurance coverage by shopping around. Policygenius can help you see quotes from top insurance companies so you can compare options and choose the coverage — and the price — that’s best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Nebraska
What you pay for a car insurance policy in Nebraska depends on things like your age, driving history, address, and the car you drive. But not all companies will charge you the same amount for a policy, which is why it’s important to shop around and compare quotes before you buy.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $86/month | 865 |
Amco | $88/month | -- |
Farmers Mutual of Nebraska | $98/month | -- |
USAA | $100/month | 890 |
GEICO | $105/month | 874 |
Cheapest car insurance companies by age in Nebraska
Your age is also a big factor in how much you pay for car insurance. Young drivers pay higher rates, because they’re more likely to have an accident on the road. More accidents means more claims for the insurance company to pay — so the less experience you have behind the wheel, the more you’ll pay for car insurance.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Farmers Mutual of Nebraska | $2,744 |
18 | Farmers Mutual of Nebraska | $2,382 |
21 | Amco | $1,746 |
25 | Amco | $1,201 |
30 | Auto-Owners Insurance | $1,067 |
35 | Auto-Owners Insurance | $1,033 |
45 | Amco | $1,003 |
55 | Amco | $903 |
60 | Amco | $878 |
65 | Amco | $900 |
70 | Auto-Owners Insurance | $950 |
Choosing the right car insurance company in Nebraska
Buying car insurance doesn’t have to be complicated, it’s a simple matter of figuring out what’s most important to you and then seeing how your options stack up. Here are a few key factors to consider.
Cost: See what each company is charging for coverage, some offer lower rates or more discounts than others.
Coverage: Make sure each company is offering you the same coverage, and that your limits are high enough to fully cover you in case of an accident.
Customer service: Don’t just compare costs, you should also check customer service and claims satisfaction ratings before you pick a company.
Policygenius can make comparing your options easy by showing you what you’ll pay for coverage with top companies.
Car insurance rates for drivers with driving violations in Nebraska
The more driving violations on your record, the higher your car insurance rates will go. Tickets increase your rates, and accidents have an even bigger impact. Do what you can to avoid accidents by driving with care and avoiding distractions. If you do have a poor driving record, make sure to shop around for affordable rates.
Violation | Auto-Owners Insurance | Amco | Farmers Mutual of Nebraska | USAA | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,503 | $1,902 | $1,588 | $1,808 | $2,865 |
Suspended license | $2,008 | $2,238 | $2,599 | $2,505 | $1,271 |
Open container | $1,283 | $2,238 | $1,306 | $1,803 | $1,271 |
Expired registration | $1,067 | $1,349 | $1,306 | $1,591 | $1,271 |
Driving without lights | $1,067 | $1,349 | $1,306 | $1,591 | $1,271 |
Running a red light | $1,067 | $1,349 | $1,306 | $1,591 | $1,271 |
Following too closely | $1,067 | $1,349 | $1,306 | $1,591 | $1,271 |
Hit and run | $2,008 | $2,238 | $2,599 | $2,736 | $4,875 |
Not-at-fault accident | $1,067 | $1,111 | $1,306 | $1,280 | $1,337 |
Passing a school bus | $1,370 | $1,349 | $1,306 | $1,803 | $1,271 |
Reckless driving | $2,008 | $2,238 | $2,599 | $1,803 | $3,239 |
Cheapest car insurance for drivers with a DUI in Nebraska
Company | Rates for drivers with DUIs |
|---|---|
Auto-Owners Insurance | $2,008 |
Amco | $2,238 |
Farmers Mutual of Nebraska | $2,599 |
USAA | $2,623 |
GEICO | $4,875 |
Cheapest car insurance for drivers with a speeding ticket in Nebraska
Company | Rates for drivers with speeding tickets |
|---|---|
Amco | $1,349 |
Farmers Mutual of Nebraska | $1,433 |
Auto-Owners Insurance | $1,515 |
USAA | $1,591 |
GEICO | $1,642 |
Cheapest car insurance for drivers with bad credit in Nebraska
Bad credit means higher insurance rates, while a solid credit score usually earns you lower rates on car insurance. Drivers with bad credit should be sure to shop around, because some companies charge lower rates to those with poor credit than others.
Company | Rates for drivers with bad credit |
|---|---|
Amco | $1,570 |
Farmers Mutual of Nebraska | $1,888 |
GEICO | $2,015 |
USAA | $2,192 |
IMT Insurance | $2,209 |
Car insurance costs in Nebraska cities
City drivers typically pay more for car insurance coverage, because more people on the roads usually means more accidents, more claims, and higher repair costs. The table below shows the average annual car insurance rates in the 10 largest cities in Nebraska by population.
Omaha: $1,736
Lincoln: $1,454
Bellevue: $1,569
Grand Island: $1,522
Kearney: $1,526
Fremont: $1,510
Hastings: $1,567
Norfolk: $1,527
Columbus: $1,515
North Platte: $1,683
Buying car insurance in Nebraska
Nebraska requires that all drivers have car insurance. The minimum amount of coverage required by law is:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
You must carry proof of your car insurance in your vehicle if it is registered in Nebraska. If you are unable to show proof of car insurance when it’s requested, then you can face fines and even license suspension.
Nebraska is an at-fault state. That means that the insurance company of the driver who is cited as being at fault for an accident is responsible for paying for the other party’s repair costs and injuries.
How to get cheap car insurance in Nebraska
There are many ways to get cheap car insurance in Nebraska, including:
Drive safely: Avoid violations including speeding tickets and accidents and you’ll keep your rates down
Keep an eye on your credit: Don’t lose track of your spending and ruin your credit rating. A good credit rating will get you a better insurance rate
Compare quotes: Compare rates before you buy if you want to get the cheapest car insurance
Bundle policies: Get your auto and home, renters, motorcycle or RV insurance from the same company and save
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Nebraska?
Auto-Owners Insurance and Amco are the two cheapest insurance companies in Nebraska, but rates will vary from driver to driver depending on your personal details.
How can I save on my car insurance in Nebraska?
You can save on your car insurance in Nebraska by avoiding accidents and violations and keeping a good credit score. You should also reshop for car insurance regularly to make sure you’re still getting the best rates.
Is Nebraska a no-fault state?
No. Nebraska is an at-fault state. This means the car insurance of the driver who is at-fault for an accident is responsible for paying everyone’s related expenses.
Does Nebraska require car insurance?
You are required to have car insurance in the State of Nebraska. Nebraska requires at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. At least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage is also required.
