GEICO is the best and cheapest for full coverage in Nebraska at $71 a month, and a speeding ticket or texting violation doesn't change that rate. Farmers Mutual Ins Co of NE is the most affordable for minimum coverage at $20 a month, seniors at $67 a month, teens from ages 16 through 24, at-fault accidents at $92 a month and bad credit at $107 a month. Farmers Mutual is a Nebraska-based regional insurer that doesn't appear on national comparison sites, so getting a quote requires going directly to the company or a local independent agent. Shelter is the cheapest after a DUI at $125 a month.
Cheapest Car Insurance in Nebraska for 2026
Updated: July 8, 2026
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Farmers Mutual Ins Co of NE | $20/mo | 4.29/5 | |
GEICO | $71/mo | 4.37/5 | |
Farmers Mutual Ins Co of NE | $161-$164/mo | 4.29/5 | |
Farmers Mutual Ins Co of NE | $67/mo | 4.29/5 | |
GEICO | $71/mo | 4.37/5 | |
Farmers Mutual Ins Co of NE | $92/mo | 4.29/5 | |
Shelter Insurance | $125/mo | 4.14/5 | |
GEICO | $71/mo | 4.37/5 | |
Farmers Mutual Ins Co of NE | $107/mo | 4.29/5 | |
Farmers Mutual Ins Co of NE | $18 | 4.29/5 |
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GEICO
Best Cheap Car Insurance for Full Coverage in Nebraska
GEICO is cheapest for full coverage in Nebraska at $71 a month and keeps that rate after a speeding ticket or texting violation. GEICO doesn't charge extra for either violation in Nebraska. GEICO ranks fifth in Nebraska for customer experience and seventh for coverage options, so drivers get fewer add-on choices here than with most other insurers. More coverage options and stronger claims service are available at higher price points.
Farmers Mutual Ins Co of NE
Best Cheap Car Ins for Teens and Young Adults in Nebraska
Farmers Mutual Ins Co of NE is cheapest for 16-year-old drivers in Nebraska at $164 a month for males and $161 a month for females, and stays the cheapest through age 24 for both genders. Farmers Mutual is a Nebraska-based regional insurer that doesn't appear on national comparison sites, so getting a quote requires going directly to the company or a local independent agent. Teen drivers file more claims than any other age group. Farmers Mutual ranks seventh in Nebraska for customer experience and last for coverage options, meaning fewer add-ons than any other carrier in the state. The low rate is the reason to choose Farmers Mutual for teens. For teen rates by age, see the cheapest car insurance for young adults guide.
Cheapest Car Insurance by Coverage Type in Nebraska
GEICO | $28 | $71 | 4.37/5 |
Farmers Mutual Ins Co of NE | $20 | $74 | 4.29/5 |
Auto-Owners | $31 | $76 | 4.77/5 |
Shelter Insurance | $36 | $96 | 4.14/5 |
IMT Insurance | $41 | $110 | 4.15/5 |
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Cheapest Minimum Coverage in Nebraska
Farmers Mutual Ins Co of NE is cheapest for minimum coverage in Nebraska at $20 a month, just $8 less than GEICO at $28 a month. In Nebraska, the coverage level you choose affects your rate more than which insurer you pick. But if another driver hits you, your insurer is the one dealing with their insurance company on your behalf, so who you pick still matters even at $20 a month. Farmers Mutual ranks seventh in Nebraska for customer experience, the lowest among the carriers in this comparison.
Cheapest Full Coverage in Nebraska
GEICO at $71 a month is the cheapest full coverage option in Nebraska, but it ranks near the bottom of the state for coverage options. Auto-Owners is next at $76 a month, with the highest overall score in the state and stronger coverage options than both cheaper carriers. At $5 more per month, Auto-Owners is worth comparing before committing to GEICO.
Cheapest Car Insurance for Teens and Young Adults in Nebraska
Farmers Mutual Ins Co of NE is cheapest for 16-year-old drivers in Nebraska at $164 a month for males and $161 a month for females, and stays cheapest through age 24 for both genders. At 25, GEICO becomes cheapest for males at $79 a month while Farmers Mutual stays cheapest for females at the same $79 a month. Farmers Mutual ranks seventh in Nebraska for customer experience and GEICO ranks fifth. Neither is among the stronger service options in the state, so price is what separates them. Male drivers switching from Farmers Mutual to GEICO at 25 can use the how to switch car insurance companies guide to make the move without a coverage gap.
Farmers Mutual Ins Co of NE | $161 | Farmers Mutual Ins Co of NE | $164 | |
Farmers Mutual Ins Co of NE | $150 | Farmers Mutual Ins Co of NE | $152 | |
Farmers Mutual Ins Co of NE | $139 | Farmers Mutual Ins Co of NE | $141 | |
Farmers Mutual Ins Co of NE | $120 | Farmers Mutual Ins Co of NE | $122 | |
Farmers Mutual Ins Co of NE | $111 | Farmers Mutual Ins Co of NE | $112 | |
Farmers Mutual Ins Co of NE | $102 | Farmers Mutual Ins Co of NE | $103 | |
Farmers Mutual Ins Co of NE | $92 | Farmers Mutual Ins Co of NE | $93 | |
Farmers Mutual Ins Co of NE | $86 | Farmers Mutual Ins Co of NE | $87 | |
Farmers Mutual Ins Co of NE | $81 | Farmers Mutual Ins Co of NE | $82 | |
Farmers Mutual Ins Co of NE | $79 | GEICO | $79 |
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Cheapest Car Insurance for Seniors in Nebraska
Farmers Mutual Ins Co of NE is cheapest for seniors in Nebraska at $67 a month, $4 less than the cheapest full coverage rate. Auto-Owners is next at $79 a month. Senior drivers file more claims than adults, and Auto-Owners has the strongest customer experience score in Nebraska, making that $12 difference worth it for seniors who want stronger claims support. Farmers Mutual ranks seventh in Nebraska for customer experience, the lowest of the five carriers in the senior comparison. Compare senior rates across every state at the cheapest car insurance for seniors guide.
Farmers Mutual Ins Co of NE | $67 | 3.50/5 |
Auto-Owners | $79 | 4.58/5 |
Progressive | $85 | 3.90/5 |
Shelter Insurance | $89 | 3.40/5 |
GEICO | $97 | 3.65/5 |
Your Next Step:
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Cheapest Car Insurance by City in Nebraska
Farmers Mutual Ins Co of NE is the cheapest for minimum coverage in all 20 of Nebraska's largest cities, with rates ranging from $18 a month in Beatrice, Grand Island, Hastings, Norfolk, Scottsbluff and Seward to $23 a month in Omaha. That $5 city spread is smaller than the $8 gap between the two cheapest minimum coverage carriers statewide, so your address changes what Farmers Mutual charges you, not which carrier to quote. The $39 full coverage carrier spread is nearly eight times that $5 city difference, so your insurer choice is what's important here. Nebraska's hail and tornado exposure makes comprehensive coverage worth keeping regardless of where you live, since minimum coverage won't pay for weather damage to your vehicle.
Beatrice | Farmers Mutual Ins Co of NE | $18 |
Grand Island | Farmers Mutual Ins Co of NE | $18 |
Hastings | Farmers Mutual Ins Co of NE | $18 |
Norfolk | Farmers Mutual Ins Co of NE | $18 |
Scottsbluff | Farmers Mutual Ins Co of NE | $18 |
Seward | Farmers Mutual Ins Co of NE | $18 |
Fremont | Farmers Mutual Ins Co of NE | $19 |
Gering | Farmers Mutual Ins Co of NE | $19 |
Kearney | Farmers Mutual Ins Co of NE | $19 |
La Vista | Farmers Mutual Ins Co of NE | $19 |
North Platte | Farmers Mutual Ins Co of NE | $19 |
Papillion | Farmers Mutual Ins Co of NE | $19 |
Blair | Farmers Mutual Ins Co of NE | $19 |
Columbus | Farmers Mutual Ins Co of NE | $20 |
Lexington | Farmers Mutual Ins Co of NE | $20 |
Lincoln | Farmers Mutual Ins Co of NE | $20 |
Schuyler | Farmers Mutual Ins Co of NE | $20 |
South Sioux City | Farmers Mutual Ins Co of NE | $20 |
Bellevue | Farmers Mutual Ins Co of NE | $22 |
Omaha | Farmers Mutual Ins Co of NE | $23 |
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Cheapest Car Insurance for High Risk Drivers in Nebraska
GEICO costs $71 a month after a speeding ticket or texting violation in Nebraska, the same rate as a clean record. No other Nebraska insurer prices both violations the same as a clean record. After a DUI, Shelter is the cheapest at $125 a month and files the SR-22 Nebraska requires directly with the DMV. Nebraska requires SR-22 filing for three years from your reinstatement date, confirmed from the Nebraska DMV. Farmers Mutual is the cheapest after an at-fault accident at $92 a month, $18 above its clean-record rate, and the lowest-cost for bad credit at $107 a month. Re-quote once your insurer stops applying the rate increase after an at-fault accident.
Speeding Ticket | Geico | $71 | 3.65/5 |
At-Fault Accident | Farmers Mutual Ins Co of NE | $92 | 3.50/5 |
DUI | Shelter Insurance | $125 | 3.40/5 |
Texting While Driving | GEICO | $71 | 3.65/5 |
Bad Credit | Farmers Mutual Ins Co of NE | $107 | 3.50/5 |
Your Next Step:
Get your real quotes from trusted insurance providers.
The biggest savings move in Nebraska is picking the right insurer. The difference between the cheapest and most expensive full coverage insurer in Nebraska is $39 a month ($468/year). Choosing minimum coverage over full saves $51 a month more but leaves your vehicle unprotected.
- 1
Compare at least three Nebraska insurers and save up to $39 per month
Quoting only national carriers misses Farmers Mutual Ins Co of NE, the cheapest option for minimum coverage ($20 a month), seniors ($67 a month) and teens through age 24. Getting a Farmers Mutual quote requires going directly to the company or a local independent agent since it doesn't appear on national comparison sites. Start with GEICO ($71 a month), Farmers Mutual ($74 a month) and Auto-Owners ($76 a month) for full coverage, and add Farmers Mutual ($20 a month) for minimum coverage.
- 2
Match your coverage to your vehicle's value and save up to $51 per month
Full coverage costs $51 a month more than minimum coverage in Nebraska, more than the entire $39 carrier spread for full coverage statewide. Nebraska's hail and tornado exposure changes that calculation. A single weather event can total a vehicle that minimum coverage won't replace. When your car's value no longer justifies the extra $51 a month, minimum coverage is the better call. Drivers with a financed or leased vehicle owe full coverage by lender requirement. Use the Nebraska car insurance calculator to confirm which coverage level fits your vehicle's current value.
- 3
Bundle home and auto and save 19% on your auto premium
The national Farmers brand leads Nebraska's home and auto bundle market with a 19% discount, saving policyholders $1,228 per year. Farmers and Farmers Mutual Ins Co of NE are two separate companies. Farmers Mutual is the regional Nebraska insurer with the cheapest auto coverage in this comparison. Bundling likely means using a different carrier for your home policy than for auto.
- 4
Re-shop when your violation ages off and recover up to $29 per month
Re-quote when your insurer stops applying the rate increase after a DUI or at-fault accident. Your rate won't drop automatically, so re-quote at each renewal and ask whether the increase still applies. After an at-fault accident, switching back to Farmers Mutual at its clean-record rate of $74 a month saves $18 a month compared to its at-fault rate of $92 a month. After a DUI, re-quoting Shelter when the SR-22 period ends saves $29 a month. Shelter's DUI rate is $125 a month versus its clean-record rate of $96 a month.
- 5
Improve your credit score before renewal and save $33 per month
Nebraska permits credit-based insurance scoring. Farmers Mutual charges $107 a month with poor credit and $74 a month with good credit, a $33 a month difference at the same carrier. Improving your credit before renewal and re-quoting saves that $33 a month difference. Re-quote 30 to 45 days before renewal so the improved score is reflected at renewal. GEICO's gap is even wider: $222 a month with poor credit versus $71 a month with good credit. Switching to Farmers Mutual at $107 a month saves $115 a month before any credit improvement.
- 6
Check discount programs at renewal
GEICO DriveEasy: Available in Nebraska through the GEICO mobile app. Tracks braking, acceleration and phone usage. Safe drivers can earn discounts of 5% to 15% at renewal. Poor driving will not raise your base premium in Nebraska.
Farmers Mutual Ins Co of NE: No verified telematics program. Contact Farmers Mutual directly for available discounts including multi-vehicle and loyalty programs.
Auto-Owners: No verified telematics program. Auto-Owners operates through independent agents in Nebraska. Contact your agent at renewal to confirm which discounts apply to your policy.
Rates come from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Nebraska. Carriers are required to file rates with the Nebraska Department of Insurance before charging them. These are filed rates, not estimates or online quote approximations. MoneyGeek analyzed rates from carriers covering the Nebraska market.
Baseline driver profile: 40-year-old male, 2012 Toyota Camry LE, clean driving record, good credit, 12,000 miles annually, no prior claims. Full coverage is 100/300/100 liability with a $1,000 deductible.
Profile variations analyzed:
- Young drivers: Ages 16 through 25, standalone policy, split by gender (Nebraska permits gender as a rating factor for premium pricing)
- Seniors: 70-year-old driver, same vehicle and coverage as the baseline
- Violations: Baseline profile with one driving record variable changed; all other variables held constant. Violations analyzed: speeding (11 to 15 mph over the limit), at-fault accident ($1,000 to $1,999 property damage), DUI (BAC 0.08 or higher), and texting while driving
- Poor credit: Baseline profile with credit tier changed to poor. Nebraska permits credit-based insurance scoring under NE Statute 44-7705. Gender is prohibited as a factor within the credit score calculation.
Coverage tiers: Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Nebraska's mandated 25/50/25 liability plus mandatory UM/UIM at $25,000 per person and $50,000 per accident.
USAA is excluded from all provider tables. USAA is available only to military members, veterans and their immediate families. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors. Affordability (60% of score): normalized rates across all carriers within each driver profile; lower rates relative to competitors produce higher affordability scores, calculated separately per profile. Customer Experience (30%): J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings; 2024 to 2025 data weighted twice as heavily as older data. Coverage Options (10%): number of add-on coverages available and included benefits.
Nebraska-specific notes:
- Nebraska is an at-fault state
- Nebraska requires SR-22 filing after a DUI conviction, maintained for three years from the reinstatement date per dmv.nebraska.gov
- Nebraska's DUI lookback period is 15 years per dmv.nebraska.gov/fr/alr
- Nebraska permits gender as a rating factor for premium pricing per doi.nebraska.gov
- Nebraska permits credit-based insurance scoring; gender is prohibited within the credit score calculation per NE Statute 44-7705
- Nebraska mandates UM/UIM coverage at 25/50/25 minimums, included in the minimum coverage rate
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- AIPSO. "Nebraska Automobile Insurance Plan." Accessed July 31, 2026.
- American National. "Auto Insurance." Accessed July 31, 2026.
- American National. "Collector Car Insurance." Accessed July 31, 2026.