How Much Is Car Insurance in Nebraska? (2022 Averages)

Nebraska is the 13th cheapest state for auto insurance in the U.S. On average, Nebraska car insurance rates start at $923 annually, cheaper than the $1,424 national average. MoneyGeek averaged these rates from various companies and locations for one sample driver. We also analyzed coverage level, age, driving history, credit score and location.

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Last Updated: 11/25/2022
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The cost of your insurance premium in Nebraska is significantly impacted by your driving record and the level of coverage you select. Full coverage car insurance in Nebraska costs an average of $923 per year, but a minimum coverage policy costs only around $472 per year. The average annual premium rises to $2,148 when a young driver is added to the policy, while a traffic violation on your driving record might result in your average premiums increasing to $1,055 per year.

Your auto insurance premiums will also be affected by the provider you select. For instance, full coverage insurance from GEICO costs roughly $700 a year in Nebraska, but the same policy from MetLife costs $1,485 per year.

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Methodology

Why Trust MoneyGeek? Nebraska car insurance rates in this study are based on our analysis of data and information from the Nebraska Department of Insurance and Quadrant Information Services.

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These rates were updated in September 2022 to reflect how car insurance rates in Nebraska have changed up to this month.

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The Average Cost of Car Insurance in Nebraska

Average car insurance costs in Nebraska can vary vastly based on various factors including the driver’s age, driver history, coverage and credit score.

In Nebraska, the most significant factor affecting car insurance rates is the driver’s age — specifically teen drivers. Poor credit scores can also increase your annual insurance costs by several hundred dollars.

You can learn more about how your individual factors impact your average cost of car insurance and how rates vary by insurance carriers, demographics, vehicle type and more.

Learning more about how individual factors impact the average cost of car insurance can help you find the best coverage and price for your needs.

Average Costs of Car Insurance in Nebraska

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  • Driver
    Average Annual Premium
    Average Monthly Premium
  • The Average Driver
    $923
    $77
  • Drivers Buying Minimum Coverage
    $472
    $39
  • Adding a Young Driver
    $2,148
    $179
  • Drivers With a Violation
    $1,055
    $88
  • Drivers With Poor Credit
    $1,442
    $120
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Why Are Car Insurance Rates Cheap in Nebraska?

Based on MoneyGeek’s auto insurance rates by state data, Nebraska ranked 13th cheapest in the U.S. The state’s car insurance rates remain inexpensive because of low averages in traffic density, percentage of uninsured motorists and disaster risk.

Nebraska is ranked 46th in the country for low traffic density at three percent. The state also boasts a low nine percent rate of uninsured motorists, ranking it 34th across the states. These factors help keep Nebraska car insurance rates affordable.

Average Cost of Car Insurance in Nebraska: Full Coverage vs. Minimum Coverage

Choosing a policy that meets the state minimum coverage requirements is typically the cheapest option in the city. On average, the cost of a minimum coverage policy is $472 per year. A full-coverage policy, as defined in MoneyGeek’s methodology, costs an average of $923 annually. That is a difference of $451 per year.

The average car insurance costs in Nebraska will be based on the coverage level. Aside from liability coverage, you can also get comprehensive and collision coverages. If you select a policy with full coverage, you will pay more for the additional features.

Average Cost of Car Insurance in Nebraska by Coverage Level

Nebraska's state-minimum insurance policy may be the cheapest insurance available in the state.

If you have the minimum insurance that your state requires, you can increase your liability coverage to 50/100/50 or 100/300/100. These numbers show how much your policy covers in terms of liability. For example, with a 50/100/50 policy, you get:

  • $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

On the other hand, the state’s full coverage insurance offers both collision and comprehensive coverage. In addition to your standard liability coverage, this insurance provides compensation for damages to your car.

Average Cost of Car Insurance in Nebraska By Company

Your Nebraska car insurance rates will also depend on the insurance company that you choose. You will get a different rate per company.

If you are looking for cheap full coverage car insurance, the most affordable options are USAA and GEICO. However, USAA policies are only for military families. For affordable liability-only insurance, GEICO and Farmers Mutual of Nebraska are the most inexpensive in the state.

Based on average rates, MetLife offers the priciest plans for both the state minimum coverage and full coverage.

Average Annual Costs of Car Insurance in Nebraska - By Company

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How Much Is Car Insurance in Nebraska by Age?

Your age will have a significant impact on your insurance premiums. In Nebraska, young drivers are considered risky and more likely to have accidents. Therefore, insurance companies tend to charge higher insurance prices to young drivers.

The average insurance rate for a 16-year-old’s policy is $2,148 per year, $1,225 more than the average cost for a 40-year-old driver.

First-time drivers in Nebraska are treated as young drivers and will be getting similar car insurance rates as teenagers.

Young drivers can save money by choosing to be included in their parent’s auto insurance plan.

Average Costs of Full Coverage Car Insurance in Nebraska - By Age

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How Does Driving History Affect Car Insurance Costs in Nebraska?

Insurance providers consider drivers with multiple violations or who have been in road accidents as high-risk individuals. Because of this, they have higher auto insurance expenses. That said, you can still find affordable insurance for individuals with a bad driving record in Nebraska by shopping around.

Based on MoneyGeek’s data, having a speeding ticket can increase your average car insurance cost in Nebraska to $1,055 per year. That is $131 more than the average rate for individuals with a clean driving record. The cost difference will increase if you have more severe violations like a DUI or an at-fault accident.

Average Costs of Full Coverage Car Insurance in Nebraska - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $923
  • Speeding Ticket
    $1,055
  • At-Fault Accident
    $1,444
  • DUI
    $1,648
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Credit Scores and the Cost of Car Insurance in Nebraska

Nebraska drivers with a poor credit score pay an average of $1,442 annually, which is $640 more than the average annual rate for those with good credit scores. If you have an excellent credit score, you will be paying an average of $141 less than drivers with a good credit score. That means you can save on insurance premiums if you maintain a good to excellent credit score.

While drivers with poor credit scores pay more, there are still affordable car insurance plans for individuals with bad credit in Nebraska.

Average Costs of Full Coverage Car Insurance in Nebraska - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $661
  • Good
    $802
  • Fair
    $1,002
  • Below Fair
    $1,195
  • Poor
    $1,442

How Much Is Car Insurance in Your City?

Auto insurance premium prices can vary greatly between states. Rates can also differ within states, depending on the city you live in.

In Nebraska, Lincoln has the cheapest average rate at $822 per year. On the other hand, Omaha has more expensive annual premiums with an average of $999 per year.

Areas that are more densely populated, those with a higher chance of road accidents or cities more prone to natural disasters tend to have more expensive auto insurance rates.

Average Costs of Full Coverage Car Insurance in Nebraska - By City

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Frequently Asked Questions About Nebraska Car Insurance Rates

To help you better understand Nebraska car insurance rates, here are some of the frequently asked questions (FAQs).

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.