Best Car Insurance in Nebraska for 2026

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Updated: April 23, 2026

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Key Takeaways
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Auto-Owners has the highest score in Nebraska at 4.8/5, along with a 5/5 customer experience score. It also has the best composite results across major profiles, including adults ($28 per month), young drivers ($77 per month) and DUI ($61 per month).

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Farmers Mutual of NE, a Nebraska-based regional carrier, wins cheapest for bad credit ($28 per month), low income ($19 per month), accident ($28 per month) and adult drivers ($18 per month), pricing that reflects local Nebraska loss experience.

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Auto-Owners tops all 10 of Nebraska's most populous cities, though scores vary from 4.6/5 in Lincoln to 4.8/5 in Kearney and Grand Island, a gap tied to Omaha metro claim frequency versus outstate Nebraska.

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HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN NEBRASKA

MoneyGeek analyzed quotes from six Nebraska insurers across every ZIP code in the state. Nebraska is an at-fault state with rates among the lowest found in any state, a pattern tied to low population density, a regional insurer market where carriers like Farmers Mutual of NE price for local loss experience, and permitted credit scoring.

Licensed insurance producers paid attention to Nebraska's at-fault liability system and the regional carrier market, where local pricing can run well below national carriers on certain profiles.

  • Affordability (60%): Rate is the primary driver for most Nebraska drivers.
  • Customer experience (30%): Based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
  • Coverage options (10%): Measures the range of optional coverages offered in Nebraska.

Best Car Insurance in Nebraska by Driver Profile

Auto-Owners is the right choice for most Nebraska drivers on best score, but Farmers Mutual of NE has the lowest rates across most profiles for drivers focused on cost, and Shelter is the cheapest option after a DUI.

Auto-Owners earns Nebraska's top MoneyGeek score at 4.8/5 with a 5/5 customer experience score and takes best score for adults at $28 a month, young drivers at $77 a month, DUI at $61 a month, speeding at $37 a month, accidents at $42 a month, newer cars at $42 a month, older cars at $22 a month and seniors at $49 a month. It's the only Nebraska insurer that consistently pairs competitive rates with high service marks across so many profiles.

Farmers Mutual of NE is a Nebraska-based regional insurer that comes in cheapest across most profiles, including adults at $18 a month, accidents at $28 a month, bad credit at $28 a month, low income at $19 a month, newer cars at $26 a month, older cars at $15 a month and young drivers at $38 a month. It doesn't publicly disclose any optional coverages, so drivers who need gap insurance or accident forgiveness will need to look elsewhere.

Shelter is cheapest after a DUI at $50 a month, $11 below Auto-Owners' $61, and uniquely includes new car replacement as a standard policy inclusion.

For a full rate breakdown, see cheapest car insurance in Nebraska.

Low income
Farmers Mutual of NE
$19
$74
Adult drivers (26-64), clean record
Auto-Owners
$28
$69
Bad credit
Farmers Mutual of NE
$28
$104
After a speeding ticket
Auto-Owners
$37
$93
After an at-fault accident
Auto-Owners
$42
$104
Senior drivers (65+)
Auto-Owners
$49
$98
After a DUI
Shelter Insurance
$50
$123
Young drivers (16-25)
Auto-Owners
$77
$170

Note: For adult drivers, Farmers Mutual of NE is cheapest at $18 a month; Auto-Owners takes best score at $28 a month. For DUI, Shelter is cheapest at $50 a month; Auto-Owners takes best score at $61 a month. 

The table shows cheapest for DUI and best-scoring for all other profiles. Nebraska allows credit scoring. Farmers Mutual of NE's $28 a month bad-credit minimum is the cheapest rate found in the state for that profile, reflecting its local pricing for Nebraska-specific risk.

Auto-Owners
Best Overall and Best for Young Drivers

Auto-Owners

Auto-Owners has the top composite rating in Nebraska at 4.8/5, with a 5/5 customer experience result and high affordability that together drive the widest profile coverage in the state. At $28 per month for minimum coverage for a clean-record adult, it's the best-scoring option for that profile and remains competitive across most others: young drivers at $77 per month, speeding tickets at $37 per month, accidents at $42 per month and seniors at $49 per month.

Auto-Owners also has the highest customer experience rating among insurers in the state. Its independent agent network averages above 4.5 stars across Google Business profiles used in the scoring, its NAIC complaint index runs below the industry baseline and its AM Best financial strength rating is high.

The company includes four optional coverages, and diminished value protection comes standard with a policy instead of as an add-on. For drivers in Omaha or Lincoln financing vehicles in areas with higher hail risk, that feature adds real value.

  • Affordability (60%): 4.9/5
  • Customer Experience (30%): 5/5
  • Coverage Options (10%): 3.4/5

Don't pick Auto-Owners if the absolute lowest DUI or bad-credit rate is the priority. Shelter's cheapest DUI rate is $50 a month, $11 less than Auto-Owners, and Farmers Mutual of NE's bad-credit minimum is $28 a month, $83 less than Auto-Owners' $111 a month for that profile.

Shelter Insurance
Best Cheap for Those With a DUI

Shelter Insurance

Shelter is cheapest for DUI in Nebraska at $50 a month, $11 below Auto-Owners' $61 for the same profile. For Nebraska drivers managing a DUI conviction and the surcharge that comes with it, Shelter's rate holds over the typical multi-year surcharge period. The carrier operates primarily in Midwest and Plains states, with a regional agent network concentrated in Nebraska and neighboring states.

On customer experience, Shelter ranks ninth among insurers in the state, the lowest of the three featured providers. Its service profile comes from a regional carrier footprint with less national coverage data than Auto-Owners or GEICO. On coverage, Shelter has four optional coverages and earns a 4.5/5 coverage score because new car replacement is included as standard, not sold as an add-on. It also has gap insurance among its optional extras.

For a DUI-affected driver managing higher rates who also wants gap insurance, Shelter is the only featured Nebraska provider where both are available at the lowest DUI price.

  • Affordability (60%): 4.5/5
  • Customer Experience (30%): 3.3/5
  • Coverage Options (10%): 4.5/5

Don't choose Shelter if customer experience is the priority. Auto-Owners' DUI best-score rate is $61 a month, $11 more, but it has a 5/5 customer experience score. Clean-record drivers get both best score and lowest rate with Auto-Owners.

Farmers Mutual Ins Co of NE
Best Cheap for Drivers With Bad Credit or Low Income

Farmers Mutual Ins Co of NE

Farmers Mutual of NE, a Nebraska-based regional carrier, has a 5/5 affordability score and the lowest rates in the state across most budget-focused profiles: adult at $18 a month, bad credit at $28 a month, low income at $19 a month, accident at $28 a month and young driver at $38 a month. Its pricing is based on Nebraska-specific loss experience rather than national pooling, which drives its rate advantage.

It places seventh among Nebraska insurers for customer experience, with a 3.5/5 score, and its agent network is concentrated in the state. Farmers Mutual of NE doesn't publicly disclose any of the optional coverages MoneyGeek evaluates, which is the clearest trade-off against its rate advantage. Drivers who need gap insurance, accident forgiveness or rideshare coverage won't find those options here.

  • Affordability (60%): 5/5
  • Customer Experience (30%): 3.5/5
  • Coverage Options (10%): 1.3/5

Don't go for Farmers Mutual of NE if gap insurance, accident forgiveness or other optional coverages beyond a basic policy are a priority. Auto-Owners includes diminished value protection as standard, and Shelter has gap insurance and new car replacement, at higher monthly rates for most profiles.

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MONEYGEEK VERDICT

Auto-Owners is the best choice for most Nebraska drivers because of its 5/5 customer experience score and best-scoring rates across most profiles. Farmers Mutual of NE is the right fit for bad-credit and low-income drivers, where its Nebraska-local pricing produces rates national carriers don’t match. Shelter is the DUI pick. Nebraska’s rate environment is among the cheapest in the country, so even the highest-profile rates here compare favorably to most states.

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Best Car Insurance in Nebraska by City

Auto-Owners leads all 10 Nebraska cities analyzed, consistent with the statewide result. City-level scores vary: Kearney and Grand Island each earn 4.8/5, while Lincoln earns 4.6/5, a gap that reflects higher traffic density and claim frequency in larger metros versus the state’s smaller cities. Nebraska drivers outside major metro areas will generally find rates closer to the lower end of the range; Omaha-area drivers should expect rates at the higher end.

Lincoln
Auto-Owners
4.6
$53
Omaha
Auto-Owners
4.7
$60
Bellevue
Auto-Owners
4.7
$59
Fremont
Auto-Owners
4.7
$48
Hastings
Auto-Owners
4.7
$48
Norfolk
Auto-Owners
4.7
$49
Columbus
Auto-Owners
4.7
$50
Papillion
Auto-Owners
4.7
$53
Grand Island
Auto-Owners
4.8
$48
Kearney
Auto-Owners
4.8
$45

Summary: Best Car Insurance Providers in Nebraska

Auto-Owners sits at the top of Nebraska's rankings at 4.8/5 with a 5/5 customer experience score and competitive rates across most profiles. GEICO follows at 4.4/5 with better affordability but lower service scores. Farmers Mutual of NE and North Star, both regional carriers with lower customer experience rankings, earn high affordability scores that elevate their composite positioning.

Auto Owners4.77$5016
Geico4.4$4757
Farmers Mutual Ins Co of NE4.29$4578
North Star Insurance4.27$5286
IMT Insurance4.15$6783

How to Find the Best Car Insurance in Nebraska

Nebraska's low baseline rates mean the dollar gap between the best and worst option is smaller than in most states, but the right pick for a bad-credit or DUI profile can still differ by $80 per month or more.

  1. 1
    Check Nebraska’s minimum coverage requirements

    Nebraska requires 25/50/25 liability coverage. The state operates under an at-fault system with no personal injury protection (PIP) requirement. See cheapest car insurance options in Nebraska for minimum-coverage rate comparisons.

  2. 2
    Consider regional carriers

    Farmers Mutual of NE prices bad-credit and low-income profiles competitively because its rates are based on Nebraska-specific loss experience rather than national pooling. Drivers in those profiles should get a direct quote from Farmers Mutual of NE.

  3. 3
    Account for DUI surcharges

    Shelter is cheapest for DUI in Nebraska at $50 a month. An SR-22 filing is required after a DUI conviction in the state. Make sure to review SR-22 insurance in Nebraska for filing details.

  4. 4
    Factor in location within Nebraska

    Omaha-area rates are above the statewide average because of higher traffic density and claim frequency. Drivers in smaller Nebraska cities and rural ZIP codes will generally see rates at the lower end of the range.

  5. 5
    Check bundle discounts

    Bundle home and auto coverage to reduce total insurance costs. Check best home and auto insurance in Nebraska for bundle options and savings estimates.

Frequently Asked Questions About Car Insurance in Nebraska

Who has the cheapest car insurance in Nebraska?

What is the average cost of car insurance in Nebraska?

What car insurance coverage is required in Nebraska?

Is Nebraska a no-fault state?

Does Nebraska allow credit scoring for car insurance?

Which Nebraska insurer has the best customer service?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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