The Best Car Insurance in Nebraska

Auto-Owners is our top pick for Nebraska drivers, ranking first with a 4.8 score. The company combines perfect customer experience ratings (5/5) with strong affordability (4.9/5) across all demographics. Young drivers pay $170 monthly versus $200+ at competitors. The local agent presence and mutual company structure deliver personalized service larger national carriers can't match in the Cornhusker State.

Auto-Owners charges $71 monthly for full coverage and $29 for minimum coverage in Nebraska. Young drivers pay $170 monthly. Drivers with accidents pay $104 monthly and those with speeding tickets pay $93 monthly, beating competitors in high-risk categories.

Multi-policy bundling provides discounts up to 25% when combining auto and home coverage. Good student rates for young drivers, safe driving programs and loyalty discounts reduce premiums by 10% to 15% over time.

Auto-Owners achieves a perfect 5.0 customer experience score in Nebraska, ranking first statewide. The extensive network of local independent agents provides personalized service and faster claims resolution during severe weather events. Strong local presence and 24/7 claims support handle hail damage and tornado-related claims more efficiently than national competitors with limited regional infrastructure.

Auto-Owners provides comprehensive coverage including standard liability, collision and comprehensive protection with add-ons like gap insurance, roadside assistance and rental reimbursement. Flexible deductible options and coverage limits customize for individual needs. For Nebraska drivers, comprehensive coverage addresses frequent hail storms and severe weather risks. Coverage options rank moderately compared to specialty insurers but provide all essential protections most drivers need.

Shelter ranks fourth for Nebraska drivers but leads for those with DUI violations. Full coverage costs $95 monthly and minimum coverage costs $35 monthly, typically $20 to $40 less than major national carriers for high-risk categories. The mutual insurance company structure focuses on serving policyholders rather than shareholders, translating to competitive rates for drivers others reject.

Shelter charges $95 monthly for full coverage and $35 for minimum coverage in Nebraska for DUI drivers, typically $20 to $40 less than major national carriers. The mutual company structure focuses on long-term policyholder relationships rather than quarterly profits, resulting in more stable pricing for drivers with violations.

Safe driver discounts after maintaining clean records and multi-policy bundling offset higher DUI premiums. Payment plan options and gradual rate reductions as violations age make coverage manageable for drivers improving records.

Shelter maintains a regional focus with local agents throughout Nebraska who understand state-specific risks like severe weather and rural driving conditions. The customer service approach emphasizes personal relationships, valuable for higher-risk drivers needing guidance navigating coverage options.

Digital tools handle policy management and claims filing, though the technology platform is more basic than larger national insurers. Claims processing stays straightforward, with local adjusters familiar with Nebraska's weather-related damage patterns and rural claim challenges.

Shelter provides standard liability, collision and comprehensive coverage with add-ons like roadside assistance and rental car reimbursement. Coverage options suit Nebraska drivers facing severe weather risks, with comprehensive coverage handling hail damage and storm-related claims effectively.

Flexible payment options and coverage limits work for drivers rebuilding insurance history after DUI. Coverage customization is more limited than larger carriers, but Shelter focuses on essential protections for Nebraska drivers, including adequate coverage for weather-related damage common in the state.

Farmers Mutual Ins Co of NE ranks third overall among Nebraska insurers but leads in affordability, making it our top choice for drivers with bad credit or low income. The company earns a perfect 5.0 affordability score and ranks first in cost-effectiveness across the state. While customer service ranks seventh and coverage options rank eighth, the significant savings make it attractive for budget-conscious drivers who prioritize low premiums over premium features.

Farmers Mutual offers Nebraska's most affordable rates with minimum coverage at just $20 monthly and full coverage at $71 monthly. The company particularly excels for drivers with bad credit and low income, delivering substantial savings compared to competitors in these challenging categories.
The mutual insurance structure allows Farmers Mutual to offer competitive discounts including multi-policy bundling and safe driver rewards. Good drivers can save additional percentages through their claims-free discount programs, making already low rates even more affordable.

Farmers Mutual receives a 3.5 out of 5 customer experience rating, ranking seventh among Nebraska insurers. The company's local mutual structure provides personalized service through regional agents who understand Nebraska-specific risks like severe weather and hail damage. While digital tools are more limited than larger competitors, the local presence helps with claims processing during the state's frequent storm seasons when many drivers need assistance simultaneously.

Farmers Mutual provides essential coverage options including liability, collision, and comprehensive protection, though add-on selections are more limited than competitors. The company focuses on core protections rather than extensive customization options, which helps keep costs low for budget-conscious drivers. Coverage exclusions include business use and commercial activities, making it best suited for personal vehicle insurance needs. For Nebraska drivers facing severe weather risks, the comprehensive coverage adequately addresses hail damage and storm-related claims common in the state.