The best car insurance in Nebraska

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 15, 2021

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The average annual cost of a full coverage auto insurance policy in Nebraska is $1,735. But how much you pay varies depending on where in Nebraska you live. In Imperial, average rates are as high as $2,035, while in McLean, the average cost for the same policy is only $1,597.

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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.

Key Takeaways

  • Auto-Owners Insurance is the cheapest company in Nebraska with an average rate of $1,036  a year for full coverage

  • The cheapest car insurance for 16-year-olds in with Nebraska is Farmers Mutual of Nebraska at $2,726 a year

  • 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

  • Uninsured/underinsured motorist coverage is also required in Nebraska

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

$1,036

890

Amco

$1,064

--

USAA

$1,122

890

Farmers Mutual of Nebraska

$1,169

--

GEICO

$1,264

871

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

$2,726

18

Farmers Mutual of Nebraska

$2,366

21

USAA

$1,696

25

Amco

$1,209

30

Auto-Owners Insurance

$1,067

35

Auto-Owners Insurance

$1,033

45

Auto-Owners Insurance

$1,008

55

Amco

$911

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

USAA

Farmers Mutual of Nebraska

GEICO

At-fault Accident

$1,503

$1,921

$1,694

$1,580

$2,865

DUI

$2,008

$2,262

$2,456

$2,585

$4,875

Driving with a suspended license

$2,008

$2,262

$2,345

$2,585

$1,271

Driving with an open container

$1,067

$2,262

$1,686

$1,298

$1,271

Driving with expired registration

$1,067

$1,362

$1,487

$1,298

$1,271

Driving without Lights

$1,067

$1,362

$1,487

$1,298

$1,271

Failure to show documents

$1,067

$1,362

$1,487

$1,298

$1,271

Failure to stop at a red light

$1,067

$1,362

$1,487

$1,298

$1,271

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

$1,586

Farmers Mutual of Nebraska

$1,879

GEICO

$2,015

USAA

$2,033

IMT Insurance

$2,147

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: $1,786

  • Lincoln: $1,505

  • Bellevue: $1,638

  • Grand Island: $1,622

  • Kearney: $1,705

  • Fremont: $1,593

  • Hastings: $1,722

  • Norfolk: $1,557

  • Columbus: $1,564

  • North Platte: $1,773

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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

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.

Methodology

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.