The Best Car Insurance in Nebraska for 2022

The best car insurance companies combine customer satisfaction, affordability and financial stability. In Nebraska, the top car insurance company is GEICO — it ranks highest in affordability and financial stability and is tied first for satisfaction and claims.

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Last Updated: 9/27/2022
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To help you find the perfect car insurance provider, MoneyGeek broke down the best options per category. Although GEICO is the best auto insurance company in Nebraska overall, other providers may present offers that better fit your needs and interests.

MoneyGeek also evaluated Nebraska’s cheapest car insurance companies to help you find affordable options regardless of service quality.

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The Best Car Insurance in Nebraska

Best 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 5 out of 5
  • State Farm: MoneyGeek score of 4 out of 5

Due to its limited availability, USAA was left out of this analysis. However, it did earn a 5-star MoneyGeek rating, making it Nebraska's top car insurance for active-duty military or veterans.

The Top 5 Car Insurance Companies in Nebraska

1
GEICO
Score:4.5

4.8/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

At $700 annually, GEICO ranked first on affordability and tied first on claims and customer satisfaction. This provider offers mechanical breakdown insurance (MBI).

More About GEICO

GEICO offers an MBI that covers all parts and systems. The better coverage comes at a cheaper price than a typical dealer extended warranty. The MBI is available for cars that are less than 15 months old and with less than 15,000 miles. Additionally, GEICO offers accident forgiveness, which means your first at-fault accident won’t result in an insurance rate increase.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4.1

4.4/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is tied first on claims and second on satisfaction. With a $774 annual fee, it also ranks second on affordability. You can add rideshare insurance with this policy.

More About State Farm

This provider offers rideshare insurance as an add-on. This ensures all insurance coverages (except for liability insurance) are in force 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.

Read MoneyGeek's State Farm auto Insurance Review
3
Allstate
Score:4

3.4/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Allstate

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.

Read MoneyGeek's Allstate auto Insurance Review
4
AAA
Score:3.9

3.8/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About AAA

With your AAA membership, you automatically get identity theft monitoring. You also receive roadside assistance with your policy, which covers fuel delivery, flat tire, battery jump-start and replacement and more. For $110, can you add rental car and travel reimbursement coverage to your policy.

Read MoneyGeek's AAA auto Insurance Review
5
American Family
Score:3.9

3.8/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About American Family

This provider offers 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.

Read MoneyGeek's American Family auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN NEBRASKA

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:

Compare the Best Insurance Options in Nebraska

Factors such as affordability, service quality and financial stability affect a car insurance’s overall performance. However, you may have to look at other considerations — such as coverages — to determine if a policy is a good fit.

MoneyGeek’s guide allows you to compare the best auto insurance providers in Nebraska. Our in-depth reviews will help you find a policy that meets your needs.

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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 our rankings.

These vehicle insurance providers provide the best customer service, regardless of price:

  • Auto-Owners Insurance Co: MoneyGeek score of 5 out of 5
  • GEICO: MoneyGeek score of 4 out of 5

Based on claims rates and consumer satisfaction, MoneyGeek identified Nebraska's top car insurance providers.

The Top 2 Car Insurance Companies in Nebraska for Service Quality

1
Auto-Owners Insurance Co
Score:4.8

4.5/5

Claims

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Auto-Owners Insurance Co

The 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’ top-notch customer service increases their overall value proposition since you’ll typically contact your provider during an emergency and will rely on that assistance.

Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
2
GEICO
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nebraska’s cheapest car insurance provider, GEICO, also offers outstanding customer service. GEICO is tied second on customer satisfaction and claims, scoring 4.5 and 4.0, respectively.

More About GEICO

You can add rental car coverage to your GEICO policy. This add-on pays for rental vehicle expenses if your car becomes undrivable for more than 24 hours after 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.

Read MoneyGeek's GEICO auto Insurance Review

Best Car Insurance in Nebraska for Drivers on a Budget

GEICO is the best car insurance provider in Nebraska for customers looking for policies that fulfill the state's minimum coverage requirements.

The top car insurance companies in Nebraska for drivers on a budget are:

  • GEICO: MoneyGeek score of 4.5 out of 5
  • State Farm: MoneyGeek score of 4.1 out of 5

MoneyGeek assessed insurers based on their affordability and customer service.

MoneyGeek’s Pick: GEICO

GEICO

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An affordable minimum coverage policy at $307 per year.

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Get a discount by bundling your car insurance with your home, renters, condo or mobile home insurance.

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Similarly, having an airbag and anti-lock brakes on your vehicle can get you a discount.

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MoneyGeek claims rating of 4.0 out of 5.

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MoneyGeek customer satisfaction score of 4.5 out of 5.

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Does not offer discounts on paperless billing and full payments.

COMPANY HIGHLIGHTS

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.

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.

Best Car Insurance in Nebraska for Poor 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 4.4 out of 5
  • State Farm: MoneyGeek score of 4.3 out of 5

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.

MoneyGeek’s Pick: Allstate

Allstate

pros

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An affordable full coverage policy for drivers with negative records at $1,112.

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Offers coverages such as roadside assistance, rental car reimbursement, accident forgiveness and new car replacement.

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MoneyGeek claims rating of 4.0 out of 5.

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MoneyGeek customer satisfaction rating of 4.5 out of 5.

cons

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Lacks better car replacement coverage.

COMPANY HIGHLIGHTS

Allstate offers one of the best policies for drives with a poor driving record. In addition to being relatively affordable at $1,112 annually, they provide good customer service. MoneyGeek rated Allstate 4.5 on user satisfaction and 4.0 on claims.

Allstate’s policyholders can add the following coverages:

  • Roadside assistance: Reimburses expenses on towing and labor charges if your car becomes disabled.
  • 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 5 out of 5 across all metrics, beating both GEICO and State Farm, which had total scores of 4.5 and 4.1, respectively.

USAA is only available to current and retired military personnel and their families.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy for military drivers at $672 per year.

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Offers rideshare gap insurance.

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Offers a new vehicle discount for cars 3 years old or newer.

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Claims rating score of 5 out of 5.

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User satisfaction score of 5 out of 5.

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Only military families are eligible for a policy.

COMPANY HIGHLIGHTS

USAA offers the most affordable policies, and they are also known to provide high-level customer service. It is recognized as one of the best car insurance providers not just in Nebraska but across the U.S.

Here are some of USAA’s coverages and discounts:

  • Accident Forgiveness Coverage: This add-on option means your car insurance rates will not increase after your first at-fault accident, once you’ve been accident-free with USAA for five years.
  • Roadside Assistance Coverage: 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 Young Drivers and Students

For young drivers and students in Nebraska looking for the best car insurance prices, Progressive is the best option.

The following are the top options for young Nebraska drivers:

  • Progressive: MoneyGeek score of 4.3 out of 5
  • Allstate: MoneyGeek score of 4.1 out of 5

MoneyGeek used pricing and customer service ratings to rank the best vehicle insurance providers for young drivers and students.

MoneyGeek’s Pick: Progressive

Progressive

pros

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One of the most affordable companies for young drivers at $2,089 annually.

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Offers distant student and good student discounts.

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Claims satisfaction score of 4 out of 5.

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User satisfaction score of 4 out of 5.

cons

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Does not offer a driver's education discount.

COMPANY HIGHLIGHTS

Young driver and student driver insurance is expensive. However, Progressive offers fairly priced auto insurance policies for younger drivers, and 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 a discount if the student is 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 average or better.

Best Car Insurance in Nebraska for Those With New Cars

According to MoneyGeek's analysis, Allstate is Nebraska's best auto insurance company for new car drivers, with a score of 4 out of 5.

MoneyGeek compared auto insurance firms in Nebraska that offer new car coverages. Instead of only covering the depreciated worth of the insured vehicle, new car replacement reimburses policyholders with a completely new car.

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

Allstate

pros

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It’s an affordable policy at $933 per year.

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Offers new vehicle coverage.

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Claims rating of 4 out of 5.

cons

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Does not offer better car replacement coverage.

COMPANY HIGHLIGHTS

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 soon after buying your car, Allstate’s new car coverage will provide you with a brand new car, not just a check for the depreciated value. This coverage applies to cars that are two model years old or newer.

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

Nationwide

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Offers affordable car insurance rates for low-mileage drivers.

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If you drive regularly, pay-per-mile can be more expensive compared to a standard auto insurance policy.

COMPANY HIGHLIGHTS

Nationwide provides a good pay-per-mile car insurance policy in Nebraska through Nationwide SmartMiles. It 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 display safe driving practices.

How to Find the Best Car Insurance in Nebraska in 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.

1

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.

2

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.

3

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.

4

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

Ultimately, the best auto insurance in Nebraska is the one that fits your needs and requirements. MoneyGeek answered some of the frequently asked questions about car insurance in Nebraska to help you decide.

Methodology

MoneyGeek analyzed ratings from various agencies to determine the best car insurance providers in Nebraska.

A total of 1,344 quotes from 12 firms in seven Nebraska ZIP codes have been analyzed for this analysis. Ratings are based on customer service quality, claim satisfaction and financial stability.

The category winner was selected by the highest MoneyGeek composite score based on our precise weightings for each data point:

  • General customer and claims satisfaction (60%): For the companies offering car insurance in Nebraska, MoneyGeek used J.D. Power customer and claims satisfaction surveys, weighted them at 30% each and converted the results to a five-point scale.
  • Affordability (30%): MoneyGeek compared the typical costs of auto insurance policies in Nebraska and assigned each business a one to five-star affordability rating.
  • Financial stability (10%): MoneyGeek used AM Best ratings to assess an insurer's potential to manage its claim obligations in the situation of financial uncertainties.

MoneyGeek changed the weightings inside some categories in some cases:

  • Affordability was weighted at 0% in the category of best customer service.
  • We chose a minimum coverage policy rather than a complete coverage policy for the best on a budget category.
  • Scores were adjusted to reflect rates depending on a driver's age or history.
  • When businesses provided certain coverages that their competitors did not, MoneyGeek offered qualitative judgments.

MoneyGeek utilized the following limits to assess a comprehensive coverage policy:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

Insurance costs are calculated using a 40-year-old male driver of a Toyota Camry in Nebraska with a clean driving record as a sample. MoneyGeek's car insurance methodology estimated the average premiums for a full coverage policy with the assistance of Quadrant Information Services.

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