Nebraska Car Insurance Calculators: Cost & Coverage

• Our Nebraska rate data comes from Quadrant Information Services, which pulls premium data directly from insurer filings with state regulators. Every rate filed in Alabama is a matter of public record.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authors all content on this page. Mark Friedlander, Director of Corporate Communications at the Insurance Information Institute, reviews it.
• Our editorial standards keep our recommendations free from any influence by insurer relationships. Our rating guidelines apply the same criteria to every insurance company we analyze.

The auto insurer you choose affects your auto insurance premiums the most. In Nebraska, choosing the wrong carrier could cost you up to $327 per month for state-mandated minimum coverage, more than four times the $79 gap between minimum and full coverage from the same low-cost auto insurers.

Farmers Mutual Ins Co of NE charges a minimum monthly coverage of $70. Farmers, a different company with a similar name, prices the same coverage at $397 per month. A driver who drops to minimum with the wrong carrier pays more than one who keeps full coverage with the right carrier.

Your ZIP code adjusts your rate by up to $18 per month in Nebraska. In Omaha, full coverage is $100 per month, while in Lincoln it is $82 per month for the same driver. Both run below the $124 statewide average because Nebraska's smaller, rural ZIP codes have higher comprehensive exposure to hail and tornado losses, which pulls the state average above that of its two largest cities.

Young Nebraska drivers pay $294 per month, 2.37 times the adult rate, and the birthday that matters most isn't 25. The two biggest single-year drops in the 18-to-25 window are 18 to 19 ($89 per month) and 20 to 21 ($59 per month). Both are larger than the 24-to-25 drop of $30 per month. Re-shop after your 19th birthday, again after your 21st and again at 25.

Rates rise again at 70 ($132 per month, up from $118 at 60) and increase more sharply at 80 ($172 per month). Re-shop when you turn 70.

Farmers Mutual Ins Co of NE is the cheapest carrier for minimum coverage, with $58 per month for excellent credit and $100 per month for the cheapest auto insurance for most drivers with poor credit. At Farmers Mutual alone, saving $42 per month ($100 to $58) on minimum coverage.

A driver at Allstate with Poor credit paying $378 per month for full coverage who improves to Excellent credit and switches to Farmers Mutual's minimum coverage at $58 per month saves $320 per month overall, though part of that comes from dropping to minimum coverage, not the credit change improvement alone.

Nebraska has no law preventing insurers from raising your rate after a not-at-fault accident, so even a clean-fault record doesn't protect you.

Rate increases above the $124 per month baseline:

• Not-at-fault accident: +$11 per month (+$132/year)
• Texting while driving: +$20 per month (+$240/year)
• Speeding 11 to 15 mph over: +$31 per month (+$372/year)
• At-fault accident: +$84 per month (+$1,008/year)
• DUI (BAC ≥ .08): +$141 per month (+$1,692/year)

A DUI in Nebraska requires a 3-year SR-22 from the date your license is restored, but the conviction stays on your record for five years. Re-shop at month 37 when the SR-22 ends and again at month 61 when the violation clears. Before filing any not-at-fault claim on minor damage, check your carrier's rate policy.

Minimum coverage costs $45 per month in Nebraska, and full coverage costs $124 per month. Before dropping to minimum, make the carrier decision: Farmers charges $397 per month for minimum coverage, more than GEICO charges for full coverage at $71 per month.

Nebraska's minimums are $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. A late-model SUV costs $35,000 to $45,000; the $25,000 property damage limit covers less than one, and the unpaid difference becomes a personal judgment in Nebraska's at-fault system. Lenders require full coverage until the loan is paid. For owned vehicles, compare three years of premiums against the car's current value.

Nebraska averaged 4.4 billion-dollar severe storm events per year from 2020 to 2024, nearly three times the 45-year baseline per the National Centers for Environmental Information. Hail and tornado are what comprehensive coverage most commonly pays for here.

Comprehensive and collision add $26 per month to minimum coverage in Nebraska. On a $6,000 car with a $1,000 deductible, standard break-even is 16 years, but adjusted for Nebraska's storm frequency, it drops to 5.5 years. Keep comprehensive on any vehicle you plan to own for more than five years, especially in eastern Nebraska.

Your vehicle type changes full coverage by up to $53 per month: SUVs are the cheapest at $107 per month, electric vehicles are the most expensive at $160 per month. Pickup trucks cost $110 per month, and sedans cost $114 per month. If you're deciding between vehicles, factor the insurance difference into the total cost.

Bodily injury liability coverage pays the medical bills, lost wages and legal costs of people you injure when you're at fault. The Nebraska DMV sets the state minimum at $25,000 per person and $50,000 per accident. A single hospitalization can exceed that per-person limit, leaving the balance as a personal judgment. MoneyGeek recommends 100/300 for drivers with $100,000 or more in assets at risk.

Property damage liability pays for damage you cause to other people's cars and property when you're at fault, not damage to your own vehicle. Nebraska's $25,000 minimum is below the value of most late-model vehicles. Drivers who finance, lease or own a home should carry $100,000.

Nebraska law requires UM/UIM on every policy. It's mandatory and you can reject it only in writing. Nebraska's uninsured rate is among the lowest nationally per the Insurance Research Council, but the mandate applies regardless. Match your UM/UIM to your bodily injury limits.

Collision pays for damage to your own vehicle from a crash regardless of fault. Comprehensive pays for hail, tornado damage, theft and fire. Lenders require both on financed vehicles until the loan is paid. The Nebraska Department of Insurance publishes a Hail Damage consumer brochure for the state's position in central Hail Alley.

Gap insurance pays the difference between your car's actual cash value and your remaining loan balance if the car is totaled. Add it if you're in the first two years of a 60-month or longer loan, or carried negative equity from a prior vehicle. Drop it once the loan balance falls below the car's market value.

An SR-22 is a certificate your carrier files with the Nebraska DMV proving you carry the required coverage. It's not a type of insurance. Nebraska requires it after a DUI, driving without insurance, 12 or more points in two years or a court-ordered revocation. The filing stays active for 3 years from the date your license is restored for most violations; accident suspensions require it only at the reinstatement date. Violations stay on record for five years, so the SR-22 period (three years) and the rate increase period (five years) end separately. Confirm your carrier files SR-22 certificates before switching. Shop the SR-22 carriers that write in Nebraska alongside standard carriers.

1. Get a Farmers Mutual Ins Co of NE quote before finalizing any carrier. Most national tools don't list Farmers Mutual Ins Co of NE. Search by name and confirm you're not quoting Farmers Insurance (the national brand).
2. Re-shop on the 19th birthday, not the 25th. Re-shopping at 19 with the cheapest Nebraska carrier captures both the age drop and the carrier gap.
3. Re-quote externally when your credit score moves up a level. Moving from Fair to Good saves $59 per month. Re-quoting captures both the credit improvement and any carrier pricing gap. A re-rate from your current insurer captures only the credit change.
4. Mark two re-shop dates after a driving violation, not one. A DUI adds $141 per month. Re-shop at month 37 when the SR-22 ends and at month 61 when the conviction clears your record. Most drivers re-shop once and miss the second window.