Best Car Insurance in Nebraska for 2026

Auto-Owners averages $69 a month for full coverage in Nebraska, 37% below the Nebraska state average of $109 a month, per MoneyGeek's 2026 rate analysis. That rate is based on a policy with $100,000 of coverage per person injured, $300,000 per accident and $100,000 for property damage, with a $1,000 deductible (the amount you pay out of pocket before insurance covers the rest). It's the second-lowest full coverage rate among the top five. Minimum coverage averages $28 a month, also well below the state average of $40. 

For young drivers, full coverage averages $222 a month; for seniors, $128 a month. If you cause an accident, your rate rises to $221 a month. After a DUI (a conviction for driving under the influence of alcohol or drugs) the rate rises to $284 a month. Both are higher than what Progressive charges drivers with the same violations. 

For drivers with a clean record, Auto-Owners has some of the best rates in Nebraska. Drivers with violations will likely find better pricing at Progressive or Farmers Mutual. If your license was suspended and you need to prove to the state that you have insurance (a requirement called an SR-22 filing) the SR-22 insurance in Nebraska guide covers what that process costs and how it works.

At 654 in J.D. Power's 2025 U.S. Auto Insurance Study, Auto-Owners posts the highest score of any carrier in Nebraska's top five, five points above the 649 regional average. Combined with strong performance across review platforms and agent-based service quality, that result contributes to the 5/5 customer experience score. Auto-Owners sells through local independent agents, meaning you work with a real person in your area. That personal service is something companies like GEICO and Progressive, where most interactions happen online, don't offer. No notable service weaknesses appear in the data for Nebraska.

Accident forgiveness and new car replacement are both available through Auto-Owners in Nebraska. Both matter in a state where a tornado or hail event can total a vehicle. Standard coverages include comprehensive (weather and non-collision damage), collision (damage from crashes) and uninsured and underinsured motorist coverage at the state-required minimum of $25,000 per person and $50,000 per accident. 

Auto-Owners doesn't offer rideshare coverage in Nebraska. If you drive for Uber or Lyft, your personal auto policy won't cover you while you're waiting for a ride request. You'd need a separate rideshare add-on, which Auto-Owners doesn't provide. With a coverage score of 3.39/5, Auto-Owners ranks sixth among the carriers we rated on this dimension. If claims handling matters more than add-on count, Auto-Owners is the better choice.

Full coverage through Progressive averages $107 a month in Nebraska, roughly at the state average of $109 a month, ranking fourth among the top five on price. Minimum coverage averages $34 a month, below the state average of $40. For young drivers, full coverage averages $439 a month, the highest of the top five. For seniors, $159 a month. 

After a DUI, Progressive's rate rises to $214 a month, the lowest DUI rate among the top five. After an at-fault accident, rates climb to $313 a month. Progressive is the best pricing option for adult drivers with violations and the weakest for young drivers.

Progressive scores 637 in J.D. Power's 2025 U.S. Auto Insurance Study, 12 points below the 649 regional average, ranking third among Nebraska's top-ranked carriers on this measure. The customer experience score of 4.04/5 reflects well-rated online tools and straightforward claims communication, with the below-average J.D. Power result keeping the score from going higher. Progressive's Snapshot program tracks your driving habits and may lower your rate based on driving behavior, and its mobile app is well-rated. Both add to the score.

With a 4.82/5 coverage score, Progressive offers the widest selection among Nebraska's top five. Extra coverages include rideshare for Uber and Lyft drivers, gap insurance for drivers who still owe money on a car loan and coverage for aftermarket parts or modifications. Progressive meets Nebraska's requirement to carry both uninsured and underinsured motorist coverage at $25,000 per person and $50,000 per accident. 

It also offers an optional stacking upgrade, which lets you combine the uninsured motorist limits from multiple vehicles on your policy to increase your total protection. New car replacement isn't available on all Progressive policies in Nebraska. If you want maximum coverage flexibility, Progressive is the strongest option in the state.

The $2-a-month difference between Farmers Mutual's full coverage rate ($67) and the next cheapest carrier (Auto-Owners at $69) looks small on its own, but the difference gets bigger when you look at who benefits most. Young drivers pay $140 a month here, compared to $209 at Progressive and $267 at GEICO, a difference of up to $127 a month, or more than $1,500 a year. Seniors pay $96 a month, also the lowest of the top five. 

Minimum coverage runs $18 a month, 55% below the state average of $40. After an at-fault accident, rates average $93 a month, the most contained penalty increase in the group. After a DUI, rates rise to $142 a month. Farmers Mutual's pricing advantage is most pronounced for young drivers and anyone comparing rates after an at-fault accident.

J.D. Power's 2025 U.S. Auto Insurance Study doesn't include Farmers Mutual of Nebraska. J.D. Power only ranks companies with enough policyholders nationwide to get a statistically reliable survey result, and Farmers Mutual is too concentrated in Nebraska to meet that threshold. The customer experience score of 3.47/5 is based on local agent relationships and in-state claims handling; without a J.D. Power score, it can't be compared directly to Auto-Owners or Progressive on this dimension. 

The claims team has direct familiarity with Nebraska's local weather patterns, which matters when most comprehensive claims in the state come from tornadoes and hail. The main limitation is that Farmers Mutual's website and app aren't as easy to use as GEICO's or Progressive's. If you want to file a claim or manage your policy online, you'll have a better experience with the national carriers.

Farmers Mutual of Nebraska offers the basics: comprehensive, collision and both uninsured and underinsured motorist coverage at the state-required minimum, as Nebraska law requires. It doesn't offer rideshare endorsements, gap insurance or custom parts coverage. That's what drives its 2.50/5 coverage score, the lowest among Nebraska's top five. Medical payments coverage (MedPay) is available as an optional add-on. 

If you have a standard vehicle, no accidents or violations and want the lowest possible monthly payment, Farmers Mutual is the strongest option in the state. If you drive for Uber or Lyft, or still owe money on your car, you'll need to look at a different carrier for those specific coverages.

North Star averages $73 a month for full coverage in Nebraska, 33% below the Nebraska state average of $109 a month and third-lowest among the top five. Minimum coverage averages $25 a month, well below the state average of $40. For young drivers, full coverage averages $214 a month; for seniors, $113 a month, both ranking second and third-lowest in the top five. 

After a DUI, rates climb to $358 a month. If you have a DUI on your record, North Star is not a good fit. Progressive at $214 a month is a much better option. After an at-fault accident, rates average $205 a month. North Star's pricing is strongest for adult drivers with clean records and seniors.

Like Farmers Mutual, North Star isn't ranked in J.D. Power's 2025 U.S. Auto Insurance Study. The customer experience score of 3.45/5 is based on its regional agent network and in-state knowledge; without a J.D. Power score, direct comparison to the national carriers isn't possible. 

North Star's claims handling for tornado and hail damage, the most common reason Nebraska drivers file comprehensive claims, gets positive reviews from customers in the region. Digital tools are more limited than what you'd get from GEICO or Progressive, which may matter if you prefer to file claims or manage your policy online.

North Star offers accident forgiveness in Nebraska, which protects your rate after a first at-fault incident. Standard coverages include comprehensive, collision and both uninsured and underinsured motorist coverage at Nebraska's mandatory minimum, plus medical payments coverage (MedPay) as an optional add-on. 

North Star doesn't offer rideshare endorsements or gap insurance, which is what keeps its coverage score at 3.39/5. North Star is the right choice for drivers with clean records who want accident forgiveness and standard coverage at a price well below the state average. If you drive for Uber or Lyft or still owe money on your car, you'll need a carrier with rideshare or gap coverage.

Full coverage through GEICO averages $71 a month in Nebraska, 35% below the state average of $109 a month and third-lowest among the top five. Minimum coverage averages $29 a month, below the state average of $40. For young drivers, full coverage averages $267 a month; for seniors, $150 a month. After a DUI, GEICO's rate rises to $399 a month, the highest DUI rate among the top five. After an at-fault accident, rates average $238 a month. 

GEICO's pricing is most competitive for adult drivers with clean records. Drivers with a DUI or accident on their record will find a full side-by-side rate comparison in the cheapest car insurance in Nebraska guide.

GEICO scores 641 in J.D. Power's 2025 U.S. Auto Insurance Study, 8 points below the 649 regional average and second among Nebraska's top-ranked carriers on this measure. The customer experience score of 3.69/5 reflects well-rated digital tools and a top-performing mobile app, with the below-average J.D. Power result keeping the score from going higher. 

Customers can report claims online or by phone around the clock. The main limitation is that GEICO relies on digital channels rather than local agents, which some Nebraska drivers may prefer.

Mechanical breakdown insurance is one of GEICO's standout add-ons in Nebraska. It covers the cost of fixing your car when something stops working, like an engine or transmission failure, even if it's not the result of an accident. A standard vehicle warranty works similarly, but GEICO's mechanical breakdown insurance is often cheaper and worth comparing if your car is aging out of its original warranty. 

Standard coverages include comprehensive, collision and both uninsured and underinsured motorist coverage at Nebraska's mandatory minimum, plus optional medical payments coverage (MedPay). GEICO doesn't offer gap insurance or rideshare endorsements in Nebraska. Without gap insurance, if your financed car is totaled, you could owe thousands on a loan for a car you no longer have. 

Without a rideshare endorsement, your personal policy won't cover you while you're logged into the Uber or Lyft app waiting for a ride request. Those two gaps drive its 2.95/5 coverage score. GEICO works for clean-record drivers with standard vehicles who want low rates and prefer to handle everything online.