The Best Car Insurance in Nebraska for 2023
The best car insurance companies combine customer satisfaction, affordability and financial stability. In Nebraska, the top car insurance company based on MoneyGeek’s scoring system is GEICO. It ranks highest in affordability and financial stability and is tied first for satisfaction and claims.
Depending on the driver’s unique needs, other providers may present offers that better fit your needs and interests. Auto-Owners Insurance Co ranked as the best insurer for customer service, while Allstate is ideal for those with a poor driving record.
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The Best Car Insurance in Nebraska
MoneyGeek also evaluated Nebraska’s cheapest car insurance companies to help you find affordable options regardless of service quality.
Best Full Coverage Car Insurance Companies in Nebraska: Overall
In Nebraska, GEICO is ranked the best car insurance provider. Based on customer satisfaction, average pricing and claims ratings, the following are the best insurance providers in the state:
- GEICO: MoneyGeek score of 90 out of 100 (approximately $700 per year)
- State Farm: MoneyGeek score of 82 out of 100 (approximately $774 per year)
Due to its limited availability, USAA was left out of this analysis. However, it was the top-performing company in the state, making it Nebraska's top best car insurance company for active-duty military or veterans. It costs an average of $672 annually.
To help you find the perfect car insurance provider, MoneyGeek broke down the best options by category. MoneyGeek found the cheapest car insurance companies in Nebraska for drivers who want to save money.
THE TOP CAR INSURANCE COMPANIES IN NEBRASKA
At approximately $700 annually, GEICO ranked first on affordability and tied first on claims and customer satisfaction. This provider offers mechanical breakdown insurance (MBI).
Average Annual Cost: $700
GEICO is one of the top-ranking insurers based on MoneyGeek’s scoring system. It also has some of the cheapest policies for different types of drivers.
One of the unique offerings from GEICO is mechanical breakdown insurance (MBI), which covers all parts and systems. This better coverage comes at a lower price than a typical dealer extended warranty. It is available for cars that are less than 15 months old and that have less than 15,000 miles.
GEICO offers roadside assistance covering flat tires, towing and jumpstarts. Rental car reimbursement offers to pay your rental vehicle or travel expenses after covered accidents where you can’t drive your car for more than 24 hours. Additionally, the insurer’s accident forgiveness means your first at-fault accident won’t result in an insurance rate increase.
State Farm is tied for first on claims and third on satisfaction. With a $774 annual fee, it also ties for second on affordability. You can add rideshare insurance with this policy.
Average Annual Cost: $774
Another top-rated insurer that offers policies in all 50 states and Washington, D.C., is State Farm. While it lacks unique coverages, this provider offers rideshare insurance as an add-on. This protection ensures all insurance coverages (except for liability insurance) are active as soon as a ridesharing driver starts their app. In addition, they also offer a rental car reimbursement add-on, which covers up to $500 worth of car rental expenses, travel expenses and deductible repayment if you are responsible for an accident in your rental car.
State Farm even offers various discounts that can help drivers save. Some of these are bundling, multiple vehicles, safe driving, anti-theft systems and more. Drivers with a car from 1994 or later can get a discount on medical payments.
At $933 per year, Allstate ranks sixth on affordability, but it’s tied first for claims and customer satisfaction. They offer portable electronics and media coverage and custom parts coverage as add-ons.
Average Annual Cost: $933
Allstate offers coverage for the loss of portable electronics and media devices used in a car’s sound system. You need a comprehensive policy for this coverage to be in effect, which covers your property and that of a resident relative. Additionally, you can opt to have the loss of custom equipment covered, which includes items such as special carpeting, bars and height-extending roofs.
AAA is tied first for claims, second for customer satisfaction and third for financial stability. At $864 per year, it ranks fourth out of eight in terms of affordability. You automatically receive identity theft coverage from this provider.
Average Annual Cost: $864
With your AAA membership, you automatically get identity theft monitoring. You also receive roadside assistance with your policy, which covers fuel delivery, flat tires, battery jump-start and replacement and more. For $110, can you add rental car and travel reimbursement coverage to your policy.
Priced at $861 per year, American Family ranks third in affordability. It’s tied second in financial stability, claims and customer satisfaction. American Family offers original equipment manufacturer (OEM) coverage.
Average Annual Cost: $861
American Family offers original equipment manufacturer (OEM) coverage, which helps ensure aftermarket parts will not be used when repairs are made to your vehicle. Other options include rideshare insurance, gap insurance and accident forgiveness.
MoneyGeek gathered full coverage policy quotes for a sample driver in determining the best car insurance in Nebraska. We also collected claims ratings and user satisfaction scores from J.D. Power and the NAIC. Rates may vary depending on your background and other factors. You can read MoneyGeek’s methodology to know more about our sample driver, policy, and assumptions.
MoneyGeek's Nebraska Car Insurance Resources:
Best Car Insurance in Nebraska for Customer Service
In terms of customer service, Auto-Owners Insurance Co was named the best auto insurance provider in Nebraska according to MoneyGeek's rankings.
These vehicle insurance providers provide the best customer service, regardless of price:
- Auto-Owners Insurance Co: MoneyGeek score of 96 out of 100
- GEICO: MoneyGeek score of 87 out of 100
Based on claims rates and consumer satisfaction, MoneyGeek identified Nebraska's top car insurance providers.
THE TOP TWO CAR INSURANCE COMPANIES IN NEBRASKA FOR SERVICE QUALITY
Auto-Owners Insurance ranks first on customer satisfaction with a perfect score of 5. It placed first among the other insurers in the state on claims with 4.5 out of 5.
Auto-Owners Insurance Co offers affordable policies for most types of drivers. It has excellent scores for stability and complaints, receiving a very low number of complaints overall.
This company offers Personal Automobile Plus, an optional package that provides ten additional coverages for one price. These include identity theft, rekeying locks and cell phone replacement, among others. They also offer diminished value coverage, which provides compensation for a car’s reduction in value after an accident. Ultimately, Auto-Owners Insurance Co’s top-notch customer service increases their overall value proposition since you’ll typically contact your provider during an emergency.
When it comes to finding an insurer for car insurance, having great customer service makes all the difference as you turn to them when you need assistance during a car-related crisis.
Nebraska’s cheapest car insurance provider, GEICO, also offers outstanding customer service. GEICO is tied second on customer satisfaction and claims, scoring 4.5 out of 5 and 4 out of 5, respectively.
In addition to being the cheapest insurer, GEICO also achieved above-average rating for user satisfaction. J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) determined that GEICO has average scores in most categories but is considered to have high financial strength. It is one of the most trusted insurers not just for car insurance but also for other types of insurance products.
You can add rental car coverage to your GEICO policy. This add-on pays for rental vehicle expenses if your car becomes unusable for more than 24 hours after you are in a covered accident. You can also opt for roadside assistance coverage, which pays for the cost of flat tires, towing, jump starts and lockout services.
Best Car Insurance in Nebraska for Minimum Coverage
GEICO is the best car insurance provider for customers looking for policies that fulfill Nebraska's minimum coverage requirements.
The top car insurance companies in Nebraska for drivers on a budget are:
- GEICO: MoneyGeek score of 91 out of 100 (approximately $307 annually)
- State Farm: MoneyGeek score of 82 out of 100 (approximately $373 annually)
MoneyGeek assessed insurers based on their affordability and customer service. We also analyzed the cheapest minimum coverage car insurance in Nebraska if you need a policy that focuses on savings.
MoneyGeek’s Pick: GEICO
An affordable minimum coverage policy at $307 per year.
Get a discount by bundling your car insurance with your home, renters, condo or mobile home insurance.
Similarly, having an airbag and anti-lock brakes on your vehicle can get you a discount.
MoneyGeek claims rating of 4.0 out of 5.
MoneyGeek customer satisfaction score of 4.5 out of 5.
Does not offer discounts on paperless billing and full payments.
Rather than getting different types of insurance products from several insurers, one way you can save money is by getting a policy with bundle discounts. For example, if you’re considering a GEICO policy, you can save by bundling it with your home insurance policy. You can also get a discount by insuring more than one car. You can even get a discount for remaining accident-free for five years.
Additionally, having security features on your car, such as daytime running lights and an anti-theft system, can also lead to a discount on your insurance premiums with GEICO. Insurers view these features that are related to vehicle equipment as safety add-ons that make the car less risky to insure. As a result, having these features can help lower your premiums.
Best Car Insurance in Nebraska for Young Drivers and Students
For young drivers and students who are in their late teens or early 20s in Nebraska looking for the best car insurance prices, Progressive is the top option.
The following are the top options for young Nebraska drivers:
- Progressive: MoneyGeek score of 87 out of 100
- Allstate: MoneyGeek score of 81 out of 100
We also analyzed the cheapest car insurance in Nebraska for young drivers and students.
MoneyGeek’s Pick: Progressive
One of the most affordable companies for young drivers at $2,089 annually.
Offers distant student and good student discounts.
Claims satisfaction score of 4 out of 5.
User satisfaction score of 4 out of 5.
Does not offer a driver's education discount.
Car insurance for young drivers and student drivers is expensive. Fortunately, Progressive offers fairly priced auto insurance policies for younger drivers. Better yet, they are also known for their outstanding user service. It’s important that your insurer provides good customer support since younger drivers may have to be in touch with their insurance company more often than older, more experienced drivers.
In addition, Progressive offers discounts for young drivers if they are a student that lives more than 100 miles from home and doesn’t have a vehicle at school. They also provide a discount if the insured student has a B grade point average or better. Taking advantage of these discounts can make car insurance for young drivers more affordable.
Best Car Insurance in Nebraska for Seniors
MoneyGeek ranked the best Nebraska auto insurance companies for senior drivers based on affordability and customer service reputation amongst older adults.
The top companies include:
- State Farm: MoneyGeek score of 85 out of 100 (approximately $747 per year)
- GEICO: MoneyGeek score of 84 out of 100 (approximately $864 per year)
The company scores for this category weighed affordability and service for seniors equally. MoneyGeek also identified several other companies offering cheap, high-quality car insurance for Nebraska seniors.
MoneyGeek’s Pick: State Farm
Affordable rates for seniors at an average of $747 per year
Offers defensive driving discounts
Provides rental car and/or travel reimbursement, roadside assistance and rideshare insurance
MoneyGeek satisfaction and claims ratings of 4 out of 5
Doesn’t offer unique coverages
No accident forgiveness, new car replacement or better car replacement
Although insurance rates are typically higher for senior drivers, State Farm offers a combination of affordable rates and good service that make it a good option for this age group.
In addition to the usual comprehensive and liability coverage, State Farm offers various levels of protection from car rental and travel expenses coverage which reimburses expenses when you’ve been in an accident, uninsured motor vehicle coverage for accidents with an uninsured or underinsured motorist and more. You can also get roadside assistance.
In Nebraska, State Farm specifically offers Drive Safe and Save Discount, where you can save up to 30% on your auto insurance. You can also take advantage of defensive driving discounts if you take a defensive driving course.
Best Car Insurance in Nebraska for Bad Driving Records
For drivers with bad driving records, Allstate is the best auto insurance provider in Nebraska.
According to our research, the top auto insurance companies for high-risk drivers are:
- Allstate: MoneyGeek score of 87 out of 100 (approximately $1,112 per year)
- State Farm: MoneyGeek score of 86 out of 100 (approximately $1,271 per year)
MoneyGeek considered the policy's affordability and the insurer's customer service in evaluating Nebraska's best car insurance providers for drivers with at-fault accidents on their driving records.
For drivers focused on savings, we also found the cheapest car insurance in Nebraska if you have a DUI or bad record.
MoneyGeek’s Pick: Allstate
An affordable full coverage policy for drivers with negative records at $1,112.
Offers coverages such as roadside assistance, rental car reimbursement, accident forgiveness and new car replacement.
MoneyGeek claims rating of 4.0 out of 5.
MoneyGeek customer satisfaction rating of 4.5 out of 5.
Lacks better car replacement coverage.
Allstate’s policyholders can add the following coverages:
- Roadside assistance: Reimburses expenses on towing and labor charges if your car becomes undrivable.
- Rental car reimbursement: Covers expenses from a rental agency during a covered collision or comprehensive loss.
- Accident Forgiveness: Stops your insurance rates from going up after an accident, even if it was your fault.
- New car replacement: Replaces your two model years old car with a completely new model.
Best Car Insurance in Nebraska for a Military Background
Based on MoneyGeek’s scoring system, USAA is one of the best car insurance providers in Nebraska. It scored a perfect 100 out of 100 across all metrics, beating both GEICO and State Farm.
USAA is only available to current and retired military personnel and their families.
MoneyGeek’s Pick: USAA
An affordable full coverage policy for military drivers at $672 per year.
Offers rideshare gap insurance.
Offers a new vehicle discount for cars 3 years old or newer.
Claims rating score of 5 out of 5.
User satisfaction score of 5 out of 5.
Only military families are eligible for a policy.
USAA offers the most affordable policies and they are also known to provide high-level customer service. The insurer is recognized as one of the best car insurance companies not just in Nebraska but across the United States.
Here are some of USAA’s coverages and discounts:
- Accident Forgiveness: This add-on option means your car insurance rates will not increase after your first at-fault accident as long as you’ve been accident-free with USAA for five years.
- Roadside Assistance: This optional coverage pays your expenses for towing, unlocking your vehicle, jump-starting batteries, changing a flat tire and delivering gasoline.
- Military Discount: Get a discount by storing your insured vehicle on a military base.
- Mileage Discount: Get a discount based on your driving mileage per year.
Best Car Insurance in Nebraska for Those With New Cars
MoneyGeek compared auto insurance firms in Nebraska that offer new car replacement. Instead of only covering the depreciated worth of the insured vehicle, this coverage reimburses policyholders with a completely new car.
According to MoneyGeek's analysis, Allstate is Nebraska's best auto insurance company for new car drivers, with a score of 80 out of 100 (approximately $993 annually).
On the other hand, better car replacement gives a more contemporary car model as a replacement. These are optional coverages. Therefore, you'll have to pay more to include them in your insurance.
MoneyGeek’s Pick: Allstate
It’s an affordable policy at $933 per year.
Offers new vehicle coverage.
Claims rating of 4 out of 5.
Does not offer better car replacement coverage.
As soon as a vehicle is driven off the lot, its value greatly depreciates. As such, Allstate is a good car insurance option for new car drivers in Nebraska since the company offers new car replacement coverage.
If you’re unlucky enough to have an accident shortly after buying your car, Allstate’s new car coverage will reimburse you for a new car, not just the current value of your vehicle. This coverage applies to cars that are two model years old or newer.
The benefit of this is that you will be able to get a brand new car of equal value to your previous car’s new value, preventing you from having to settle for a cheaper car if your new car is totaled and needs to be replaced.
Best Car Insurance in Nebraska for Low-Mileage Drivers
Nationwide SmartMiles is the best pay-per-mile program in Nebraska, according to MoneyGeek's analysis. Pay-per-mile insurance, in which drivers pay for their auto insurance based on how many miles they drive, is becoming more popular among insurance companies.
MoneyGeek’s Pick: Nationwide
Offers affordable car insurance rates for low-mileage drivers.
If you drive regularly, pay-per-mile can be more expensive compared to a standard auto insurance policy.
Pay-per-mile insurance is a great option for low-mileage drivers as they will only have to pay based on how far they drive.
Nationwide provides a good pay-per-mile car insurance policy in Nebraska through Nationwide SmartMiles. This type of insurance is as good as any Nationwide policy but with a much more flexible term and rate for drivers that don’t drive as much or as regularly.
Nationwide SmartMiles charges a base rate and a variable rate depending on how many miles you drive. In addition, the policy offers an exception for road trips in which only the first 250 miles in a single day are counted. You can also earn up to a 10% discount if you implement safe driving practices.
How to Find the Best Car Insurance in Nebraska For You
To find the best car insurance in Nebraska, you have to consider a number of factors. You’ll want to look for an insurer that balances affordability, service quality, and financial stability.
MoneyGeek has evaluated various providers in the state to help you decide, but you can also review car insurance information independently.
Research customer service reputations in Nebraska
MoneyGeek researched the customer service reputation of various auto insurance companies in Nebraska. You can do the same by looking up a company’s J.D. Power satisfaction scores and National Association of Insurance Commissioners (NAIC) complaint ratios. Additionally, you can visit Nebraska’s Department of Insurance for more information.
Compare quotes for yourself
The quotes in this guide were gathered by MoneyGeek for a sample driver profile. To accurately assess your car insurance rates, you can obtain quotes directly from the insurance companies. We recommend getting at least three quotes before comparing auto insurance offers to acquire the best rate.
Make sure the company has coverages you want in Nebraska
Be wary of advertisements from insurers — they present attractive coverages and discounts that may not be available in your state. Confirm with the insurance provider directly that the feature you want can be included in your policy.
Double-check financial stability ratings
It’s always a good idea to check the financial stability of an insurance company. Larger companies tend to be more stable and regional providers less so, which can affect their ability to pay claims and provide services.
FAQs About the Best Car Insurance in Nebraska
The best auto insurance in Nebraska is the option that fits your needs and requirements. MoneyGeek answered some frequently asked questions about car insurance in Nebraska to help you decide.
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