Auto-Owners ranks as the best overall car insurance company in Nebraska, earning a MoneyGeek score of 4.766 out of 5 for its strong customer service, competitive rates and solid coverage options. Since insurance needs vary by individual, we also recommend considering Farmers Mutual, GEICO, North Star and IMT.
Best Car Insurance in Nebraska
Updated: August 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
Best overall car insurance provider in Nebraska is Auto-Owners, ranking first in customer experience with a perfect score of 5 out of 5.
Auto-Owners leads for drivers of all ages and those with traffic violations in Nebraska.
Nebraska drivers should determine coverage needs first, research provider options and compare plenty of quotes to find the most affordable rates.
Best Car Insurance Companies in Nebraska
| Auto-Owners | 4.77 | $50 | 1 | 6 |
| GEICO | 4.37 | $47 | 5 | 7 |
| Farmers Mutual Ins Co of NE | 4.29 | $45 | 7 | 8 |
| North Star | 4.27 | $52 | 8 | 6 |
| IMT | 4.15 | $67 | 8 | 3 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Nebraska by Driver Profile
Auto-Owners leads every driver category in Nebraska, ranking as the most affordable option across all ten groups we analyzed. This includes coverage for young drivers, seniors, those with accidents, and drivers with bad credit.
| Young Drivers | Auto-Owners | 3 | 1 | 6 |
| Adult Drivers | Auto-Owners | 2 | 1 | 6 |
| Senior Drivers | Auto-Owners | 4 | 1 | 6 |
| Drivers With an Accident | Auto-Owners | 2 | 1 | 6 |
| Drivers With a DUI | Auto-Owners | 3 | 1 | 6 |
| Drivers With a Speeding Ticket | Auto-Owners | 4 | 1 | 6 |
| Drivers With Bad Credit | Auto-Owners | 7 | 1 | 6 |
| Drivers With Low Income | Auto-Owners | 5 | 1 | 6 |
| Drivers With Newer Cars | Auto-Owners | 4 | 1 | 6 |
| Drivers With Old Cars | Auto-Owners | 2 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Nebraska Car Insurance Recommendations
Since insurance needs vary by individual, your profile might need different coverage than our general recommendations suggest. Review our top five insurance providers below to find coverage that matches your specific situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.46 | $297 | 1 | 6 |
| Farmers Mutual Ins Co of NE | 4.29 | $102 | 7 | 8 |
| Progressive | 4.29 | $309 | 2 | 2 |
| Shelter Insurance | 4.14 | $257 | 9 | 4 |
| IMT | 4.13 | $286 | 8 | 3 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Nebraska Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Auto-Owners
Best Customer Experience in Nebraska
MoneyGeek Rating
4.8/ of 5
4.9/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$71For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$29For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
GEICO
Best Cheap Overall in Nebraska
MoneyGeek Rating
4.4/ of 5
5/5Affordability
3.7/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$68For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$27For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Nebraska
Shopping for car insurance in Nebraska can be challenging. We've created this guide to help you find coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Nebraska required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Nebraska to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also lead to additional savings on your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Review insurers coverage options and add-ons to ensure they offer the protection features that match your needs.
- 4
Consider non-standard coverage options
Alternative options like non-owner car insurance and pay-per-mile policies might better suit your situation. If you need an SR-22 in Nebraska, your provider options and costs will differ.
- 5
Compare plenty of quotes through multiple means
Shopping around is crucial to find the cheapest option possible. Get quotes through different channels including independent agents, direct from insurers and comparison websites to find the best rates.
- 6
Reassess annually
Review your coverage and compare rates yearly to find the best value for your needs.
Best Nebraska Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners ranks as the top-rated company overall, while GEICO and Farmers Mutual Insurance Co. of Nebraska are also good options for drivers in Nebraska.
Best Auto Insurance in Nebraska: FAQ
Your ideal car insurance depends on your specific needs, so we'll answer common questions to help you choose coverage that fits your situation.
What is the best car insurance company in Nebraska?
Auto-Owners leads Nebraska's car insurance market with an average monthly premium of $71 for full coverage.
What is the best car insurance company for minimum coverage in Nebraska?
Farmers Mutual Insurance Co. of Nebraska offers the lowest minimum coverage rates in Nebraska, with average premiums of $235 per year.
What is the best car insurance in Nebraska for young drivers?
Auto-Owners is the top choice for young adults in Nebraska, combining strong customer service with competitive rates averaging $123 per month for standard coverage.
What is the best car insurance for Nebraska drivers who value customer service?
Auto-Owners ranks highest for customer experience in Nebraska with a 5 out of 5 score. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Nebraska if you have driving offenses?
Auto-Owners is the leading choice for Nebraska drivers with violations, offering monthly rates of $37 for minimum coverage and $93 for full coverage policies.
How We Rated the Best Car Insurance in Nebraska
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Nebraska. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Nebraska. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Nebraska-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.