Cheapest Car Insurance in Nebraska (November 2025)

Car insurance in Nebraska runs $110 monthly for full coverage and $39 for minimum coverage, coming in 9% and 32% below the national average, respectively. Nebraska ranks 22nd nationwide for full coverage affordability and 9th for minimum coverage costs.

Farmers Mutual Ins Co of NE delivers the cheapest rates for minimum coverage, while GEICO offers the lowest full coverage premiums statewide. Farmers Mutual Ins Co of NE is affordable in most major cities across Nebraska. Skipping full coverage means you'll pay for your own repairs if you cause an accident, so compare rates to find affordable coverage that works for your budget. MoneyGeek ranked Nebraska's top insurers by evaluating pricing, customer satisfaction and coverage options, with State Farm earning the highest overall score.

GEICO leads Nebraska with the most affordable full coverage at $68 monthly or $811 annually. Auto-Owners and Farmers Mutual Ins Co of NE tie for second place at $71 per month. North Star Insurance follows at $932 annually, while Shelter Insurance rounds out the top five at $1,137 per year. Nebraskans have multiple budget-friendly options for comprehensive coverage.

Farmers Mutual Ins Co of NE leads Nebraska with the most affordable minimum coverage at $20 monthly, providing drivers with savings while meeting state requirements. Nebraska drivers can choose from several established carriers offering cheap liability-only coverage.

North Star Insurance offers coverage for $26 per month and GEICO follows at $27 per month. Auto-Owners rounds out the affordable tier at $29 per month, and Shelter Insurance provides the cheapest liability-only car insurance at $35 per month.

Nebraska mandates liability insurance with coverage limits of $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage (25/50/25).

These requirements help keep premiums reasonable but major collisions can easily exceed these limits. Nebraska's severe winter weather conditions, like blizzards and ice storms, increase accident risks throughout the year.

Farmers Mutual Ins Co of NE offers the most affordable minimum coverage rates in 10 of Nebraska's 19 largest cities analyzed, while GEICO secures seven markets and North Star Insurance leads in two cities as of November 2025.

The cost of the cheapest minimum coverage option across Nebraska's major cities ranges from $17 to $28 monthly. York residents have the state's lowest monthly rates at $17 through Farmers Mutual Ins Co of NE, while Omaha and Bellevue drivers pay the highest premiums at $28 with GEICO. Most mid-sized cities maintain rates between $18 and $25.

Young drivers in Nebraska experience high insurance costs, but choosing the right carrier makes a difference. Farmers Mutual Ins Co of NE offers the most affordable full coverage for drivers ages 16 to 25 at $110 per month, running 59% below Nebraska's average for this age group. North Star Insurance ranks second at $143 per month, while Auto-Owners comes in third at $170 monthly.

Adult drivers ages 26 to 64 will find their best rates with Farmers Mutual Ins Co of NE at $67 per month for comprehensive coverage. Auto-Owners follows closely at $69 monthly, and GEICO provides competitive pricing at $71 per month for full protection.

Senior drivers ages 65 and older secure the lowest premiums through Farmers Mutual Ins Co of NE at $75 per month for full coverage, which sits 43% under Nebraska's senior driver average. North Star Insurance takes second place at $76 monthly, while Auto-Owners rounds out the top three at $98 per month.

Driving violations and credit issues can increase insurance premiums in Nebraska. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. Farmers Mutual Ins Co of NE is affordable for most high-risk categories, though Auto-Owners beats them for texting violations and GEICO offers better rates for speeding tickets.

•  Cheapest With a Texting While Driving Violation: Auto-Owners ($69 per month)
• Cheapest With a Speeding Ticket: GEICO ($71 per month)
• Cheapest With an At-Fault Accident: Farmers Mutual Ins Co of NE ($84 per month)
• Cheapest for Bad Credit: Farmers Mutual Ins Co of NE ($97 per month)
• Cheapest With a DUI: Shelter Insurance ($121 per month)

Compare quotes from national and regional carriers to find affordable coverage. Regional insurers like Farmers Mutual Ins Co of NE often beat major brands across Nebraska. Bundle policies, improve your credit score and ask about safe-driver discounts to lower rates.

Buying minimum coverage car insurance is an option. Nebraska's 25/50/25 minimum liability meets state requirements but leaves you exposed. Without collision coverage, you'll pay repair costs if you cause an accident.

Comprehensive coverage pays for theft, storm damage and vandalism. Nebraska saw one of the nation's largest decreases in vehicle thefts in 2024, with a 29% drop from 2023. The average bodily injury claim reached $26,501 in 2023, just $1,499 shy of Nebraska's $25,000 per-person limit. Don't skimp on coverage if you can help it.

Farmers Mutual Ins Co of NE provides Nebraska's most affordable car insurance rates across driver categories. Don't choose coverage based on price alone; buy sufficient protection within your budget to cover you after accidents.

Our insurance experts answer frequently asked questions about securing affordable auto coverage in Nebraska.

Nebraska drivers juggle high traffic volume in Omaha, weather risks and rates that run 9% below the national average for full coverage. We compared rates across Nebraska's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Nebraska ZIP code using data from the state's Department of Insurance and Quadrant Information Services. The numbers tell the story: rural drivers pay far less than Omaha commuters stuck on Interstate 680, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Nebraska's median demographic:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Nebraska insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles.   

Coverage Levels We Compared

Nebraska requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious drivers carry.

For full coverage analysis, we used higher liability limits that better protect Nebraska drivers in serious accidents:  

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

Most insurance agents in Nebraska push these higher limits once you mention Omaha traffic. Three-car pileups on Interstate 80 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.