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Your car insurance rates in Nebraska can be influenced by factors such as age, driving history, location, credit score, coverage level and insurer.

On average, American National P&C offers the cheapest full coverage policies at around $405 per year, while State Farm has the most expensive policy at approximately $1,275 per year. Middle-aged adults pay around $972 per year, while drivers in their 20s can expect to pay around $1,238 annually.

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2023

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Average Car Insurance Costs in Nebraska (2023)

On average, the cost of car insurance in Nebraska costs $972 per year. However, your insurance prices can be affected by several factors, including coverage amount and driving record. Here’s the average cost of auto insurance in Nebraska for various driver types:

  • Clean record: $972 per year
  • Speeding ticket: $1,250 per year
  • Accident: $1,522 per year
  • DUI: $1,884 per year

The prices quoted above are for full coverage insurance. Opting for a minimum coverage policy will result in cheaper rates at the downside of less coverage.

Driving Record
Annual Premium
Monthly Premium

Clean

$362

$30

Clean

$368

$31

Clean

$465

$39

Ticket

$482

$40

Ticket

$488

$41

Ticket

$609

$51

At-Fault Accident

$613

$51

At-Fault Accident

$616

$51

At-Fault Accident

$762

$64

DUI

$779

$65

DUI

$785

$65

Clean

$904

$75

DUI

$967

$81

Clean

$972

$81

Ticket

$1,157

$96

Clean

$1,238

$103

Ticket

$1,250

$104

At-Fault Accident

$1,426

$119

At-Fault Accident

$1,522

$127

Ticket

$1,558

$130

DUI

$1,777

$148

At-Fault Accident

$1,859

$155

DUI

$1,884

$157

DUI

$2,305

$192

Why Are Car Insurance Rates Moderate in Nebraska?

At $972 per year, car insurance rates in Nebraska are relatively close to the national average of $1,054 per year. This might be due to factors such as moderate traffic density, lower urban population density, more affordable insurers and lower rates of vehicle theft.

However, if you think car insurance is expensive in Nebraska, it could be due to personal factors such as your age or driving history.

Average Car Insurance Costs in Nebraska by Company

Car insurance costs in Nebraska can vary widely depending on the insurance provider, so relying solely on the state's average cost may be misleading. American National P&C offers the cheapest auto insurance in Nebraska for a minimum coverage policy at $138 per year ($405 per year for full coverage), while Allstate has the most expensive minimum coverage premiums at $553 per year ($1,040 for full coverage).

Liability-only policies are less costly than full coverage policies, but you can get affordable full coverage insurance by comparing rates from multiple providers.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$222

$18

Auto-Owners Insurance Co

$233

$19

Farmers Mutual of Nebraska

$240

$20

Farmers Mutual of Nebraska

$247

$21

Auto-Owners Insurance Co

$304

$25

GEICO

$312

$26

Iowa Farm Bureau

$323

$27

Progressive

$328

$27

State Farm

$340

$28

GEICO

$343

$29

State Farm

$352

$29

Farmers Mutual of Nebraska

$354

$29

GEICO

$366

$31

Iowa Farm Bureau

$369

$31

American National P&C

$381

$32

Progressive

$385

$32

American National P&C

$405

$34

Iowa Farm Bureau

$409

$34

Progressive

$416

$35

IMT Insurance Company

$421

$35

IMT Insurance Company

$426

$35

Shelter

$429

$36

State Farm

$433

$36

AAA

$455

$38

AAA

$463

$39

American National P&C

$493

$41

Shelter

$526

$44

Farmers

$541

$45

Allstate

$553

$46

Allstate

$561

$47

Farmers

$587

$49

AAA

$591

$49

Allstate

$623

$52

IMT Insurance Company

$627

$52

Auto-Owners Insurance Co

$641

$53

Farmers

$648

$54

Auto-Owners Insurance Co

$681

$57

Farmers Mutual of Nebraska

$694

$58

Farmers Mutual of Nebraska

$797

$66

Shelter

$824

$69

GEICO

$875

$73

Shelter

$893

$74

Auto-Owners Insurance Co

$937

$78

Iowa Farm Bureau

$942

$78

GEICO

$962

$80

GEICO

$968

$81

Allstate

$977

$81

IMT Insurance Company

$1,020

$85

AAA

$1,040

$87

Allstate

$1,040

$87

IMT Insurance Company

$1,066

$89

Iowa Farm Bureau

$1,066

$89

Farmers

$1,087

$91

Farmers

$1,091

$91

Shelter

$1,095

$91

Farmers Mutual of Nebraska

$1,106

$92

Progressive

$1,134

$95

AAA

$1,145

$95

Iowa Farm Bureau

$1,148

$96

State Farm

$1,156

$96

Progressive

$1,237

$103

Allstate

$1,239

$103

State Farm

$1,257

$105

Farmers

$1,303

$109

IMT Insurance Company

$1,356

$113

Progressive

$1,551

$129

AAA

$1,603

$134

State Farm

$1,631

$136

Shelter

$1,664

$139

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MONEYGEEK’S NEBRASKA CAR INSURANCE CALCULATOR

Beyond your preferred coverage levels, insurers also consider personal factors, such as your age, location and driving history, to calculate your car insurance rate. You can quickly assess the cost of your car insurance using MoneyGeek's Nebraska car insurance calculator.

Average Car Insurance Costs in Nebraska by Coverage Level

Getting higher liability limits will increase your insurance costs. In Nebraska, the average price of car insurance ranges from $368 per year for a minimum coverage policy to $1,180 for a full coverage policy.

Buying comprehensive and collision coverage may increase your premiums by several hundred dollars per year. However, selecting a higher deductible can help reduce your insurance costs.

Average annual car insurance rates by coverage tier

Minimum coverage policies in Nebraska are the cheapest car insurance you can buy in the state. However, this insurance lacks comprehensive and collision coverage and features the lowest possible liability limit.

Insurance companies may offer policies with higher liability limits, such as 50/100/50 or 100/300/100. A policy with liability limits of 50/100/50 would provide this coverage:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

Many companies impose a maximum liability limit of 300/500/300. Liability insurance only covers the damages or medical expenses you’ve caused other people. To obtain coverage for damages to yourself or your vehicle, you must buy comprehensive and collision insurance, also known as a full coverage policy.

Average Car Insurance Costs in Nebraska by Age

Your age can have a notable influence on your auto insurance premiums, particularly if you’re looking for car insurance for new drivers.

We listed the average cost of a full coverage policy in Nebraska for various age groups:

  • 22–29: $1,238 per year
  • 30–59: $972 per year
  • 60+: $904 per year

Insurance rates are usually higher for drivers in their 20s and new drivers. They remain relatively stable for individuals aged 30 to 59 but decrease as drivers surpass 60 years old.

Age
Annual Premium
Monthly Premium

22-29

$465

$39

22-29

$1,238

$103

30-59

$368

$31

30-59

$972

$81

60 +

$362

$30

60 +

$904

$75

Average Car Insurance Costs in Nebraska for Teens

Teen drivers typically pay more for car insurance than other age groups. On a family plan, the average insurance cost for a 16-year-old male in Nebraska is $2,883 per year. Individual policy rates are more expensive at $5,924 per year.

As drivers mature, costs generally decrease. A 19-year-old on a family plan pays an average of $2,223 per year, while a 22-year-old pays $1,701 per year.

In various states, including Nebraska, rates can differ based on gender. For example, a family plan for a 16-year-old female costs around $2,484 per year, $399 less than premiums for a male driver.

You can find affordable car insurance for Nebraska teenagers by comparing rates from different providers.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,484

$207

$5,177

$431

16

$2,883

$240

$5,924

$494

17

$2,451

$204

$4,258

$355

17

$2,885

$240

$4,942

$412

18

$2,079

$173

$3,613

$301

18

$2,376

$198

$4,130

$344

19

$1,923

$160

$2,429

$202

19

$2,223

$185

$2,829

$236

20

$2,012

$168

$2,187

$182

20

$2,255

$188

$2,455

$205

21

$1,527

$127

$1,662

$139

21

$1,784

$149

$1,930

$161

22

$1,571

$131

$1,562

$130

22

$1,701

$142

$1,750

$146

23

$1,603

$134

$1,425

$119

23

$1,754

$146

$1,574

$131

24

$1,527

$127

$1,355

$113

24

$1,633

$136

$1,463

$122

25

$1,398

$117

$1,232

$103

25

$1,468

$122

$1,304

$109

Average Car Insurance Costs in Nebraska for New Cars vs. Older Cars

Insuring a new vehicle in Nebraska costs $1,401 per year, which is 36% higher than the cost of insuring an older vehicle ($1,030). The higher cost of insuring new cars can be attributed to higher actual cash value (ACV), more expensive repairs and an increased risk of theft.

When you make a comprehensive or collision claim, your payout will be based on your car's ACV. Since older cars have lower ACVs (and require smaller payouts), they are also less expensive to insure compared to newer cars.

If you’re driving a newer car, it might be worth considering full coverage insurance. Unlike a liability-only policy, full coverage insurance extends to damages to your own vehicle, which can be significant for newer cars that have higher ACVs.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$381

$32

2022 Vehicle

$390

$32

2012 Vehicle

$394

$33

2012 Vehicle

$403

$34

2022 Vehicle

$444

$37

2012 Vehicle

$461

$38

2012 Vehicle

$994

$83

2012 Vehicle

$1,030

$86

2012 Vehicle

$1,270

$106

2022 Vehicle

$1,297

$108

2022 Vehicle

$1,401

$117

2022 Vehicle

$1,700

$142

Average Car Insurance Costs in Nebraska by Driving Record

On average, drivers in Nebraska who have traffic violations will pay higher rates for car insurance compared to those with clean driving records. Here’s the average cost of car insurance in Nebraska based on driving record:

  • Clean record: $972 per year
  • Speeding ticket: $1,250 per year
  • Accident: $1,522 per year
  • DUI: $1,884 per year

Typically, the severity of the driving offense is directly proportional to the increase in costs. For example, a DUI will increase your insurance premium more than a speeding ticket. Comparing rates from multiple providers is a good way to find the cheapest car insurance in Nebraska for drivers with poor records.

Driving Record
Annual Premium
Monthly Premium

Clean

$362

$30

Clean

$368

$31

Clean

$465

$39

Ticket

$482

$40

Ticket

$488

$41

Ticket

$609

$51

At-Fault Accident

$613

$51

At-Fault Accident

$616

$51

At-Fault Accident

$762

$64

DUI

$779

$65

DUI

$785

$65

Clean

$904

$75

DUI

$967

$81

Clean

$972

$81

Ticket

$1,157

$96

Clean

$1,238

$103

Ticket

$1,250

$104

At-Fault Accident

$1,426

$119

At-Fault Accident

$1,522

$127

Ticket

$1,558

$130

DUI

$1,777

$148

At-Fault Accident

$1,859

$155

DUI

$1,884

$157

DUI

$2,305

$192

Average Car Insurance Costs in Nebraska by Credit Score

The cost of your car insurance is significantly affected by your credit score. In Nebraska, drivers with poor credit pay an average of $2,305 per year, while those with excellent credit only pay $762 per year.

Here are the average costs of car insurance in Nebraska based on credit-based insurance scores:

  • Excellent: $762 per year
  • Good: $991 per year
  • Fair: $1,299 per year
  • Below fair: $1,703 per year
  • Poor: $2,305 per year

Premiums for lower credit scores can vary among insurers. If you have poor credit and are looking for affordable car insurance in Nebraska, shop around and compare rates from different insurers to get the best rates.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$300

$25

Excellent

$307

$26

Excellent

$352

$29

Good

$383

$32

Good

$390

$33

Good

$450

$38

Fair

$490

$41

Fair

$499

$42

Fair

$578

$48

Below Fair

$628

$52

Below Fair

$635

$53

Excellent

$724

$60

Excellent

$736

$61

Below Fair

$742

$62

Excellent

$762

$63

Excellent

$764

$64

Excellent

$791

$66

Excellent

$795

$66

Poor

$807

$67

Poor

$811

$68

Excellent

$915

$76

Good

$939

$78

Excellent

$940

$78

Good

$951

$79

Poor

$958

$80

Excellent

$965

$80

Good

$991

$83

Good

$991

$83

Good

$1,028

$86

Good

$1,030

$86

Good

$1,195

$100

Good

$1,223

$102

Fair

$1,228

$102

Fair

$1,238

$103

Good

$1,256

$105

Fair

$1,294

$108

Fair

$1,299

$108

Fair

$1,342

$112

Fair

$1,344

$112

Fair

$1,571

$131

Fair

$1,604

$134

Below Fair

$1,604

$134

Below Fair

$1,612

$134

Fair

$1,645

$137

Below Fair

$1,684

$140

Below Fair

$1,703

$142

Below Fair

$1,753

$146

Below Fair

$1,755

$146

Below Fair

$2,071

$173

Below Fair

$2,104

$175

Poor

$2,155

$180

Poor

$2,157

$180

Below Fair

$2,160

$180

Poor

$2,253

$188

Poor

$2,305

$192

Poor

$2,362

$197

Poor

$2,365

$197

Poor

$2,819

$235

Poor

$2,847

$237

Poor

$2,930

$244

Average Car Insurance Costs in Nebraska by City

Your location in Nebraska can have a significant impact on your car insurance premiums. Drivers in Lincoln pay approximately $921 per year for full coverage insurance. Meanwhile, car insurance in Omaha costs roughly $1,124 per year.

Generally, car insurance rates are higher in areas like Omaha, which have more traffic and a denser population.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Lincoln

$1,172

$516

Lincoln

$921

$406

Lincoln

$853

$397

Omaha

$1,429

$630

Omaha

$1,124

$495

Omaha

$1,042

$484

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Nebraska

We answered some frequently asked questions about car insurance costs in Nebraska to help you understand how rates are determined based on individual factors and locations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.