BestCar InsuranceNebraskaBest Car Insurance in Nebraska (April 2023)
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American National P&C is the top provider of full coverage auto insurance in Nebraska. The company is also best for minimum coverage, young individuals, senior citizens and drivers with traffic infractions. Shelter delivers the best customer service. The best choice for new car owners is Allstate.
If affordability is more important than service quality for you, we've also included the most affordable auto insurance in Nebraska.
BestCar InsuranceNebraskaBest Car Insurance in Nebraska
Best Overall - American National Insurance Company
Best for Service - Shelter
Best for Minimum Coverage - American National Insurance Company
Best for Young Adults - American National Insurance Company
Best for Seniors - American National Insurance Company
Best for Driving Offenses - American National Insurance Company
Best for New Cars - Allstate
Best for Military - American National Insurance Company
Best Overall for Car Insurance in Nebraska
American National P&C provides the best auto insurance for full coverage. The following are our top-two choices:
- American National P&C: MoneyGeek score of 93 out of 100 ($405 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 87 out of 100 ($687 per year)
Of the nine insurers that we ranked in Nebraska, American National P&C offers the most affordable coverage and has high scores for customer satisfaction. For individuals looking to reduce their insurance costs, we also listed Nebraska's cheapest full coverage insurance providers.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
American National P&C was ranked as the top insurance provider because it has the cheapest rates and provides quality customer service. Its full coverage insurance policy costs an average of $405 per year.
American National P&C has limited coverage choices, but those it does offer are beneficial for most drivers. Its roadside assistance coverage covers the cost of 24/7 mechanical services, locksmith labor, delivery of fuel, batteries, oil or tires, as well as towing and flat tire services. This makes it an ideal option for drivers that are frequently on the road.
If your automobile is damaged and you need to use a rental car service, American National P&C will pay for the rental at no extra cost if you have rental car and/or travel reimbursement coverage. Among nine insurers, the firm offers the most affordable coverage and regularly delivers top-notch customer service. Your classic automobile may also receive specialized protection with American National's classic car insurance, also referred to as collector car insurance.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
According to our research, Auto-Owners Insurance Co is the second-best insurance provider in Nebraska, with above-average customer satisfaction, claims management and affordability ratings. In terms of yearly premiums, it is the second most affordable insurer, at around $687.
Auto-Owners Insurance Co is the second-best choice for Nebraskans seeking full coverage. It boasts above-average scores for coverage options, customer service and claims processing. After an accident, your car’s resale value may be lower than it was prior to the incident. With the insurer’s diminished value coverage, you’ll be compensated for a loss in value following an accident.
Gap insurance is an optional policy offered by the insurer that pays the gap between what you owe on your car and what it would cost to replace it (its current value). The insurer also offers optional roadside assistance, rental car and/or travel reimbursement and accident forgiveness coverage. Auto-Owners Insurance Co. does not, however, provide new or better car replacement coverage. While the insurer received above-average ratings for customer service, it does fall short in this category compared to other insurers.
How the Best Insurers in Nebraska Rank: MoneyGeek Scores and Costs
American National P&C was named the best among the nine insurance companies in Nebraska because it provides the cheapest insurance, ensures a high level of customer satisfaction and offers a variety of coverage options. Auto-Owners Insurance Co, our runner-up choice, costs more, but it has a better track record for claims management.
American National P&C and Shelter may be the ideal picks for those seeking a wider variety of coverage options since they do not compromise on service quality. However, Shelter is far more costly than our top two picks — American National P&C and Auto-Owners Insurance Co.
MoneyGeek only ranked insurance companies where sufficient data was available for all scoring criteria (financial stability, claims management, affordability, etc.).
Best Car Insurance in Nebraska for Customer Service
Shelter's auto insurance is an obvious choice for Nebraska drivers who prioritize quality service over affordability. Irrespective of cost, the top-two auto insurers for customer service in Nebraska are:
- Shelter: MoneyGeek score of 91 out of 100 ($1,095 per year)
- American National P&C: MoneyGeek score of 90 out of 100 ($405 per year)
Customer satisfaction ratings for Shelter and American National P&C were remarkably similar in Nebraska. However, Shelter has a slightly higher score for claims management, although it is still relatively low compared to other insurers.
pros
Has a high customer satisfaction rating
Offers a fair amount of coverages relative to its competitors
Offers diminished value coverage, which is rarely offered by competitors
cons
Has expensive premiums
Has a relatively low claims management rating
COMPANY HIGHLIGHTS
Shelter is the best auto insurance provider for customer service quality in Nebraska, receiving the second-highest rating in customer satisfaction and a higher rating in claims management than our runner-up pick.
While the insurer doesn’t offer any rare coverages, it does offer several useful common add-on coverages, like gap insurance and new car replacement coverage. With Shelter’s gap insurance coverage, you’ll be covered if you get into an accident and your collision coverage payment doesn’t fully cover the amount owed on your vehicle.
New car replacement coverage ensures that your new car is protected. This coverage will replace your vehicle with a brand new one of the same make and model if it gets totaled. However, it only applies to vehicles less than a year old and with fewer than 15,000 miles.
What Makes an Insurer the Best for Customer Service?
Because filing a claim can be stressful, having an insurer that offers excellent customer service is beneficial. Insurers that offer quality customer service are responsive to your issues, demonstrate a capacity to resolve your problems and quickly disburse funds from approved claims.
Although our top-two insurers for customer service have comparable customer satisfaction ratings, Shelter is the better option due to its slightly higher score for claims management.
Best Car Insurance in Nebraska for Minimum Coverage
American National P&C is the best company in Nebraska for minimum coverage policies. Our rankings for this category were based on affordability and service quality for policies that meet Nebraska’s minimum coverage requirements. Our top-two choices are:
- American National P&C: MoneyGeek score of 93 out of 100 ($138 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100 ($224 per year)
American National P&C has the most affordable rates and offers quality customer service. Although it may be cheaper than a full coverage policy, it’s important to note that minimum coverage insurance in Nebraska does not cover damage to your vehicle and only provides limited protection against liability expenses.
pros
Has the cheapest rates at $138 per year
Offers bundling and early-signing discounts
Has a high customer satisfaction rating
cons
Has a poor claims management rating
Does not offer common discounts like safe driving, pay-in-full, paperless and defensive driving
COMPANY HIGHLIGHTS
American National P&C offers the most affordable rates for the minimum coverage of car insurance required by law in Nebraska. The company also provides exceptional customer service and offers a fair amount of coverage options. With American National, you may be eligible for a variety of discounts by bundling policies, insuring multiple vehicles and signing early.
Those who apply for new insurance before their current one expires are rewarded with a lower rate as part of this insurer's early signing discount program. Policyholders can also save by bundling insurance policies, like those for home, auto and life. Insuring multiple cars will further reduce the cost of your annual premium.
What Makes an Insurer the Best for Minimum Coverage?
Motorists looking for cheap insurance that still provides the minimum levels of protection required by state law may not have to forgo customer service. For instance, American National P&C offers the cheapest minimum insurance in the state and has one of the highest ratings for customer service.
Best Car Insurance in Nebraska for Young Adults
American National P&C is the top insurer in Nebraska for young people. The following companies offer the best full coverage plans for drivers in their 20s based on affordability and service quality:
- American National P&C: MoneyGeek score of 93 out of 100 ($493 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 87 out of 100 ($937 per year)
Insurance for young drivers typically costs more than those for middle-aged drivers, but it is typically cheaper than those of teenage drivers. You may need to shop around, but you can still find cheap car insurance for young drivers in Nebraska.
pros
Has the the cheapest premiums at $493 per year
Has a high customer satisfaction rating
Offers a fair amount of coverage options
cons
Has a poor claims management rating
Does not offer better car or new car replacement coverage
Does not offer good student or distant student discounts
COMPANY HIGHLIGHTS
Of the nine providers we evaluated, American National P&C offers the cheapest rates for young drivers and provides exceptional customer service. Young drivers in their 20s can receive a policy with an average premium of $493 per year.
With the insurer’s spare parts coverage, if your spare parts are damaged as a result of a covered loss, American National P&C will reimburse you up to $1,000. Those with vintage vehicles may also benefit from purchasing a policy with this insurer, as it offers an add-on coverage option called collector car insurance. Additional more common add-on coverages available with this insurer include roadside assistance, rental car and/or travel reimbursement and gap insurance.
However, the insurer doesn’t offer any age-specific discounts, like good student or distant student discounts, that would reduce the overall cost of your premium.
What Makes an Insurer the Best for Young Adults?
The optimal insurance for young people would provide savings and possible discounts while still offering adequate coverage and high-quality service.
Picking companies that offer discounts to drivers under the age of 25 is the best bet. American National P&C wins in Nebraska because of its excellent customer service rating, but the insurer does not provide young adult-specific discounts. Our runner-up choice, Auto-Owners Insurance Co, does provide a good student discount but its annual premium costs significantly more.
Best Car Insurance in Nebraska for Seniors
American National P&C is the top insurance provider in Nebraska for senior drivers. According to our analysis, the following two are the best insurance providers for motorists in their 60s:
- American National P&C: MoneyGeek score of 93 out of 100 ($381 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 87 out of 100 ($641 per year)
American National P&C has the lowest rates and offers the best customer service among the nine insurers evaluated by MoneyGeek. While you may anticipate higher rates in your 70s, prices are comparable for drivers in their 30s, 50s and 60s. Finding affordable car insurance for seniors in Nebraska may require that you do some comparison shopping.
pros
Has the cheapest rates for seniors at $381 per year
Has a high customer satisfaction rating
Offers a fair amount of coverage options, like spare parts and classic car coverage
cons
Has a below average rating for claims management
Does not offer senior-specific discounts
COMPANY HIGHLIGHTS
Among the nine auto insurance providers we reviewed in Nebraska, American National P&C was ranked as the best option for senior drivers based on its affordability and customer satisfaction ratings.
This insurer provides just two of the most popular types of coverage — roadside assistance and rental car reimbursement. It does not provide accident forgiveness, new car replacement or better car replacement coverage, but these coverage options may be enough for seniors. Senior drivers might benefit from roadside assistance and rental car reimbursement if they are involved in an incident and become stranded.
American National P&C provides a few discounts to reduce premiums for bundling policies, insuring multiple vehicles and early signing. With American National's early signing discount, the firm offers premium savings to people who sign up for a new policy before their current policy ends.
What Makes an Insurer the Best for Seniors?
Although senior drivers have a safer track record than younger adults on the road, they’re typically charged more for insurance. This is because they usually sustain more severe injuries if they do get in an accident. Because of this, MoneyGeek recommends looking for a company that offers personal injury protection (PIP) coverage for an affordable rate.
American National P&C does not offer special discounts for seniors, but it is the highest rated for affordability and customer satisfaction. Its roadside assistance can be advantageous to elderly drivers while its classic car insurance is a distinctive coverage that senior folks who own classic cars may benefit from.
Best Car Insurance in Nebraska for Drivers With Offenses
American National P&C is the optimal choice for drivers with traffic violations, such as a speeding ticket, DUI or an at-fault accident. We found that the following companies offer the best combination of service quality and cost:
- American National P&C: MoneyGeek score of 93 out of 100 ($517 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 88 out of 100 ($1,048 per year)
Compared to the nine insurers we evaluated, American National P&C has the most affordable rates and offers the best customer service. Drivers with offenses will pay more for car insurance; a speeding conviction will likely raise your insurance premium by around $191, an at-fault collision may increase your premium by $391 and a DUI conviction can increase your premium by $656 per year.
While you’ll pay more insurance, drivers with violations can save by researching the cheapest car insurance in Nebraska after an incident.
pros
Has the cheapest rate at $517 per year
Provides excellent customer service
Offers roadside assistance and rental car reimbursement
cons
Does not offer better car replacement or accident forgiveness coverage
Has a below-average rating for claims management
COMPANY HIGHLIGHTS
American National P&C is the best choice for a full coverage policy for drivers with offenses in Nebraska. With an average annual premium of $517, the insurer is the most cost-effective option. It is also well known for its excellent customer service.
American National P&C only offers a few coverage options, but its add-on coverages for roadside assistance and rental car and/or travel reimbursement may prove extremely beneficial to drivers with a history of violations. Its roadside assistance is available 24/7 for services like towing, battery replacement, repair of electrical and mechanical problems and the detection and repair of fluid leaks.
Its spare parts coverage, rarely offered by other insurers, may come in handy if you need to replace any damaged parts following an accident. However, it does not include accident forgiveness and new or better car replacement coverage, which are good for accident-prone drivers
What Makes an Insurer the Best for Drivers With Offenses?
Drivers with violations will pay more for car insurance. Because of this, these drivers should look for providers that offer discount opportunities and coverage options, like accident forgiveness and new car replacement coverage.
American National P&C is our top insurer for this category due to its affordability and customer service reputation. In addition, the insurer offers one of the key coverages for violation-prone drivers — accident forgiveness.
Best Car Insurance in Nebraska for Drivers With New Cars
In Nebraska, Allstate is the best insurer for new cars. Our top recommendations listed below offer new car replacement coverage:
- Allstate: MoneyGeek score of 88 out of 100 ($1,419 per year)
- Farmers: MoneyGeek score of 78 out of 100 ($1,484 per year)
Of the two insurers that offer new car replacement coverage in Nebraska, Allstate is our top pick. Besides giving you the cheapest rate, Allstate also offers exceptional customer service.
New car replacement coverage is a great add-on option for new car owners as it will replace your car with a brand-new model if it is totaled in an accident.
pros
Has the most affordable annual premium at $1,419
Has an above-average customer satisfaction rating
Offers a variety of coverage options, like new car replacement coverage
cons
Has a poor claims management score
COMPANY HIGHLIGHTS
Allstate is the best insurer for drivers with new cars because it’s relatively affordable, provides above-average customer service and offers new car replacement coverage. Those with new vehicles stand to gain the most from purchasing new or better car replacement coverage. With Allstate, if your vehicle is two model years old or less and is totaled in a covered accident, it will be replaced with a brand new one.
In addition to new car replacement coverage, the insurer also provides custom parts coverage, which covers the cost to replace custom items, like special carpeting, bars, height-extending roofs, and more, if they’re damaged or destroyed in a comprehensive-type loss. Another optional add-on coverage available through Allstate is accident forgiveness, which prevents your premium from increasing after your first accident.
What Makes an Insurer the Best for Drivers With New Cars?
Choosing an insurer that offers new or better car replacement coverage is a great option to ensure that you’ll be partially to fully compensated for the cost of your new vehicle. Allstate is our top pick for new car owners because it provides quality customer service, has affordable rates and offers new car replacement coverage. Other companies received higher scores in certain criteria, but they didn’t offer new or better car replacement coverage.
Best Car Insurance in Nebraska for Military Drivers
With an overall MoneyGeek score of 93 out of 100, American National P&C is the best auto insurance provider for military personnel. It offers the most affordable annual premium at $405. USAA is our runner-up choice, but it’s typically the top provider for military-affiliated residents in most states — its policies are specifically tailored to military members and their families.
pros
Has the third-cheapest annual premium at $790
Has a high customer satisfaction rating
Offer accident forgiveness
cons
Has fewer coverage options than its competitors
Has a low claims management rating
COMPANY HIGHLIGHTS
USAA is the second-best car insurance option for military-affiliated residents in Nebraska. Of the 10 insurers that we evaluated in this category, USAA has the highest customer satisfaction rating and offers the third-cheapest annual premium.
This insurer offers roadside assistance, which covers the cost of towing and lockout services, flat tire changes and delivery of gas. Drivers that are frequently on the road, at odd hours of the day, will find this extremely useful, as the coverage applies 24/7. With USAA, you can also obtain accident forgiveness. If you get into your first at-fault accident after you’ve been accident-free with the insurer for five years, the cost of your annual premium won’t increase.
Military members can also benefit from USAA’s specific military-related discounts, like the military discount, which reduces the annual premium for drivers who store their car on base. Furthermore, you can also save more money by being a long-standing USAA member.
How to Find the Best Car Insurance in Nebraska for You
The best auto insurance company will offer affordable premiums, provide quality customer service and have strong financial stability. MoneyGeek provided our top choices for car insurance, but if you’d like to do your own research, we suggest taking the following steps.
1
Research customer service reputations in Nebraska
Using statistics from the NAIC's consumer complaint index and J.D. Power's customer satisfaction surveys, MoneyGeek determined the best insurers for customer service. These credible and dependable independent firms may be able to assist you in determining how well a company takes care of its policyholders. We also recommend visiting the Vermont Department of Insurance’s website to learn more about a specific insurer in the state.
2
Compare quotes
The figures provided by MoneyGeek are average costs for a sample driver in Nebraska; your rate may differ since insurers examine a variety of factors when calculating premiums. To get a better idea of how much your insurance premium will cost, we recommend obtaining quotes from at least three different insurance providers.
3
Find the coverages you want in Nebraska
You may find information on discounts and coverages offered by insurance companies online. We recommend visiting the websites of the providers you are most interested in to learn more about available discounts and coverage options. Confirm with the insurer that their discounts and coverages are available in your state, as not all are offered nationwide.
4
Check financial stability ratings
A company's financial stability rating reflects how well it can pay out insurance claims. Most insurance companies that sell policies online are large enterprise that won’t struggle to fulfill your claim. However, smaller, regional companies may have more difficulty.
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FAQs About the Best Car Insurance in Nebraska
The best vehicle insurance for you will depend on your driving record and individual needs. MoneyGeek provided answers to some commonly asked questions to help you select the right coverage.
About Mark Fitzpatrick
sources
- Nebraska Department of Insurance. "How Do I." Accessed February 1, 2023.