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American National P&C is the cheapest option for minimum and full coverage policies, young adults, seniors, military members and drivers with violations. Teens can find the cheapest policy at Allstate. Auto-Owners Insurance Co is the cheapest for sports car drivers, whereas Farmers Mutual of Nebraska is the cheapest for bad credit.

If you’re looking for quality customer service without sacrificing cost, look for the best car insurance in Nebraska.

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2023

Cheapest Car Insurance Nebraska (April 2023)

Cheapest Minimum Liability Car Insurance in Nebraska (April 2023)

On average, the companies with the cheapest car insurance for a minimum coverage policy in Nebraska are:

  • American National P&C: $138 per year
  • Auto-Owners Insurance Co: $232 per year

The most expensive car insurance for a minimum coverage policy is from Allstate, with an average premium of $651 per year.

A minimum coverage policy only includes bodily injury liability, property damage liability and protection for uninsured/underinsured motorists.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$232

$19

Farmers Mutual of Nebraska

$240

$20

Auto-Owners Insurance Co

$243

$20

Farmers Mutual of Nebraska

$247

$21

Progressive

$292

$24

A minimum coverage policy covers the damages or injuries you cause to other people. It does not cover damages or injuries to yourself and your car. A full coverage policy, on the other hand, covers the costs of damages to your car since it includes comprehensive and collision insurance.

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Cheapest Full Coverage Car Insurance in Nebraska (April 2023)

The cheapest car insurance companies for a full coverage policy in Nebraska are, on average:

  • American National P&C: $405 per year
  • Auto-Owners Insurance Co: $691 per year

AAA offers the most expensive full coverage policy, at $1,287 per year.

Adding comprehensive and collision insurance to a policy may cost $267 more per year from American National P&C, but it gives you extra protection in case of a claim. It covers damages and injuries from on-road and off-road accidents.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$232

$19

Farmers Mutual of Nebraska

$240

$20

Auto-Owners Insurance Co

$243

$20

Farmers Mutual of Nebraska

$247

$21

Progressive

$292

$24

Your car insurance needs impact the cost of your policy. MoneyGeek used a sample full coverage with the liability protection of:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

You can save money by decreasing your coverage limits, eliminating comprehensive and collision insurance or raising your deductible. However, these can adversely impact the protection you get from your policy.

How to Compare Cheap Nebraska Car Insurance Quotes Online

Some insurers provide quotes on their websites, although it might take up to 15 minutes to get an estimate since you have to provide personal information. You might also need to compare quotes from different websites, which can make the process take even longer.

MoneyGeek's car insurance calculator can give you an estimate of your premiums without providing any personal information. The estimate can serve as a starting point when looking for the cheapest car insurance.

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Cheapest Car Insurance in Nebraska for Teens and Their Families (April 2023)

On average, the cheapest car insurance companies in Nebraska for teens on their parent’s policy are:

  • Allstate: $1,961 per year for male and female teens
  • Auto-Owners Insurance Co: $2,484 per year for male teens and $2,307 per year for female teens

State Farm is the most expensive company for teens on their parent’s policy, with an average premium of $3,982 per year for boys and $3,119 per year for girls.

Since car insurance rates for teens decrease with age, 19-year-olds can expect to have the lowest car insurance quotes among teens. In Nebraska, the car insurance provider offering the lowest rate for 19-year-old males is Auto-Owners Co ($1,467).

In general, teens pay more to have their own policy vs. being added to their parent’s coverage. The average premium for an individual policy for male teens in Nebraska is $5,925 per year, but it only costs around $2,917 per year to be added to a parent’s policy. Teenage drivers can save an average of $3,008 per year if they’re covered under their parent’s policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Auto-Owners Insurance Co

$767

$946

Auto-Owners Insurance Co

$838

$928

GEICO

$876

$962

Allstate

$889

$2,750

Allstate

$889

$2,750

GEICO

$894

$962

Auto-Owners Insurance Co

$976

$1,204

Auto-Owners Insurance Co

$1,028

$1,137

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families can save money on car insurance by getting discounts for young drivers. Allstate, Auto-Owners Insurance Co, Farmers, Progressive and State Farm offer distant student and good student discounts, whereas GEICO offers a good student discount.

Cheapest Car Insurance in Nebraska for Young Adults (April 2023)

On average, the cheapest car insurance companies in Nebraska for drivers in their 20s are:

  • American National P&C: $493 per year
  • Auto-Owners Insurance Co: $952 per year

The most expensive company for young adults is AAA, which costs an average of $1,800 per year for drivers in their 20s.

Middle-aged drivers typically pay less for car insurance than young adults since insurers see them as more experienced. For example, a full coverage American National P&C policy for a young driver costs around $88 more than the same policy for a middle-aged driver.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$232

$19

Farmers Mutual of Nebraska

$240

$20

Auto-Owners Insurance Co

$243

$20

Farmers Mutual of Nebraska

$247

$21

Progressive

$292

$24

Cheapest Car Insurance in Nebraska for Seniors (April 2023)

MoneyGeek found that the cheapest car insurance companies in Nebraska for senior drivers are, on average:

  • American National P&C: $381 per year
  • Auto-Owners Insurance Co: $652 per year

Farmers offers the most expensive car insurance for seniors, at approximately $1,217 per year.

Senior drivers can have more expensive or cheaper policies than middle-aged drivers. The difference between their rates depends on the insurer. For instance, an American National P&C policy costs $24 more per year for middle-aged drivers vs. seniors. That said, car insurance rates may rise once a driver reaches their 70s or 80s.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$232

$19

Farmers Mutual of Nebraska

$240

$20

Auto-Owners Insurance Co

$243

$20

Farmers Mutual of Nebraska

$247

$21

Progressive

$292

$24

Seniors can get discounts from their insurers. Allstate, Farmers and GEICO give discounts for senior drivers. You can also save money by comparing rates from different insurance to determine which one has the most affordable rates. Remember that many factors, including age, affect the cost of your policy.

Cheapest Car Insurance in Nebraska After a Ticket, Accident or DUI (April 2023)

Car insurance rates may significantly increase after a traffic violation since insurers may see you as a high-risk driver. American National P&C provides the cheapest car insurance after a ticket, an accident or a DUI.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: American National P&C ($461 per year)
Cheapest after an accident: American National P&C ($520 per year)
Cheapest after a DUI: American National P&C ($571 per year)

Cheapest Car Insurance in Nebraska After a Ticket

The cheapest car insurance companies in Nebraska for drivers with speeding tickets are, on average:

  • American National P&C: $461 per year
  • Auto-Owners Insurance Co: $906 per year

AAA is the most expensive company for drivers with speeding tickets. Its average premium is $1,959 per year.

Drivers with a ticket pay around $270 more per year for their car insurance compared with a driver with clean records.

Company
Annual Premium
Monthly Premium

American National P&C

$165

$14

American National P&C

$187

$16

American National P&C

$194

$16

Farmers Mutual of Nebraska

$262

$22

Farmers Mutual of Nebraska

$290

$24

Auto-Owners Insurance Co

$301

$25

Auto-Owners Insurance Co

$307

$26

GEICO

$333

$28

Cheapest Car Insurance in Nebraska After an Accident

On average, the cheapest car insurance companies in Nebraska for drivers with an at-fault accident are:

  • American National P&C: $520 per year
  • Auto-Owners Insurance Co: $832 per year

The most expensive company for drivers with an at-fault accident is IMT Insurance Company, with an average premium of $2,197 per year.

The average cost of car insurance for a driver with an at-fault accident is $544 more expensive than a policy for a driver with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$193

$16

American National P&C

$219

$18

American National P&C

$229

$19

Auto-Owners Insurance Co

$266

$22

Auto-Owners Insurance Co

$274

$23

Farmers Mutual of Nebraska

$293

$24

Farmers Mutual of Nebraska

$324

$27

Auto-Owners Insurance Co

$356

$30

Cheapest Car Insurance in Nebraska After a DUI

The cheapest car insurance companies in Nebraska for drivers with a DUI are, on average:

  • American National P&C: $571 per year
  • Progressive: $1,234 per year

You’ll find the most expensive policy for drivers with DUI in AAA, with an average premium of $4,825 per year.

The average cost of car insurance for drivers with a DUI is around $941 more expensive than a policy for a driver with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$217

$18

American National P&C

$246

$21

American National P&C

$257

$21

Progressive

$343

$29

Progressive

$364

$30

Progressive

$399

$33

State Farm

$409

$34

State Farm

$432

$36

Cheapest Car Insurance in Nebraska for Drivers With Poor Credit (April 2023)

On average, the cheapest car insurance companies in Nebraska for drivers with poor credit are:

  • Farmers Mutual of Nebraska: $1,202 per year
  • American National P&C: $1,365 per year

State Farm has the most expensive car insurance if you have poor credit. Its average premium costs $5,133 per year.

On average, a driver with good credit (over 750) pays $1,091 less per year on their policy than drivers with poor credit (under 580).

Company
Annual Premium
Monthly Premium

GEICO

$1,545

$129

Farmers Mutual of Nebraska

$1,600

$133

American National P&C

$1,662

$139

IMT Insurance Company

$1,872

$156

Iowa Farm Bureau

$2,187

$182

Farmers

$2,226

$185

Allstate

$2,280

$190

Shelter

$2,716

$226

Drivers with poor credit may pay higher rates since insurers found that they have a higher chance of filing claims. Nebraska allows this pricing system, but other states don't.

Improving your credit score might help you receive better rates, although it can take some time. Comparing rates and using discounts are short-term solutions to saving money on your policy.

Cheapest Car Insurance in Nebraska for Sports Cars (April 2023)

On average, the cheapest car insurance companies for drivers in Nebraska with a sports car are:

  • Auto-Owners Insurance Co: $683 per year
  • Allstate: $1,146 per year

The more expensive company for sports cars is State Farm, with an average premium of $1,426 per year.

In general, sports car drivers tend to pay more for coverage because it’s more expensive to repair or replace. In Nebraska, purchasing a policy for a sports car is $176 more expensive than a policy for a Toyota Camry.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

Auto-Owners Insurance Co

$232

$19

Farmers Mutual of Nebraska

$240

$20

Auto-Owners Insurance Co

$243

$20

Farmers Mutual of Nebraska

$247

$21

Progressive

$292

$24

We based our average rates on a Ford Mustang. Your insurance premiums are often based on the model of your car and your choice of insurer.

Car model does not always matter when insuring a standard car, but it matters for luxury, electric and sports cars. Because these cars are generally more expensive than a Toyota Camry, for example, car insurance premiums tend to be higher. However, rates can change based on your state.

Cheapest Car Insurance in Nebraska for Military Drivers (April 2023)

The cheapest car insurance company in Nebraska for active duty or military veterans is American National P&C. The average cost of a policy from this company is $405 per year.

MoneyGeek also gathered quotes from USAA, a company that specifically offers services for military members and their families. On average, a policy from USAA costs $795 per year. It’s available in all states.

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MoneyGeek Top Pick
American National P&C
  • $405 per year
  • First out of 13 in affordability

American National P&C offers a discount for bundling your car insurance policy with a home or life insurance policy. It also gives a discount for classic and antique cars. Your deductible can have a waiver or a discount if you’ve been in an accident with another car insured by American National.

Cheapest Car Insurance in Nebraska by City

The cost of your policy can vary depending on your specific location in Nebraska. This is because insurers may view you as riskier to insure if you live in an area with higher rates of theft, accidents or vandalism.

In Lincoln, a full coverage policy from American National P&C costs approximately $373 per year. If you buy the same policy in Omaha, the rate can increase to around $478 per year.

When looking for car insurance, it’s important to consider your location, aside from other personal factors. Comparing rates from different insurers can help you find the best rate that falls within your budget.

City
Cheapest Company
Annual Premium

Lincoln

American National P&C

$373

Omaha

American National P&C

$478

Car Insurance in Nebraska: What You Need to Know

Drivers must meet the state's minimum requirements for car insurance. This usually includes bodily injury liability (BIL) and property damage liability, although Nebraska also requires uninsured/underinsured motorist coverage.

Nebraska Car Insurance Requirements

In Nebraska, you only need to meet the minimum insurance requirements, which include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.

Minimum coverage insurance is less expensive than full coverage, but it also pays less in the event of an accident. MoneyGeek recommends the most liability insurance limit that your budget can accommodate.

If you have a severe driving violation, you may need SR-22 insurance. Also, your coverage requirements may increase.

  • male icon

    Bodily Injury Liability

    The expenses for treating a person you injure in an at-fault accident fall within your bodily injury liability coverage. It frequently includes medical expenses, lost wages, legal fees and counsel and other expenses. The injuries of the policyholder are not covered. In Nebraska, the minimum requirements are $25,000 in coverage per person and $50,000 in coverage per accident.

  • accident2 icon

    Property Damage Liability

    In an at-fault accident, property damage liability will cover the cost of repairing the other person's car or property. It covers any harm done to their vehicle, house, structure or other things that may have been damaged. In Nebraska, the minimum coverage required is $25,000 per accident. Anything in excess of this must be paid out of your own pocket.

  • carInsurance icon

    Uninsured/Underinsured motorist coverage

    This coverage takes effect if you’re in an accident where you’re not at fault and the other driver is either uninsured or underinsured. Through this coverage, the remaining uncovered cost by their insurance can be supplemented by your policy. The minimum coverage requirements in Nebraska are $25,000 per person and $50,000 per accident.

MoneyGeek suggests purchasing a policy with $100,000 bodily injury liability insurance per person, $300,000 bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

If you financed your car, your lender might require you to get comprehensive and collision insurance. Damages to your car that are the result of collisions are covered by collision insurance. Otherwise, the damages sustained by your vehicle are covered by comprehensive insurance.

Comprehensive and collision insurance might be useful for you if you drive a valuable car.

Car Insurance Alternatives in Nebraska

If you’re unable to get a car insurance policy in Nebraska, you can turn to the Nebraska Automobile Insurance Plan, surety bonds and securities. These can serve as compliance with state laws on insurance, especially if your circumstances hinder insurance companies from approving your applications.

The Nebraska Automobile Insurance Plan provides insurance for drivers who cannot get a policy from the voluntary market.

You may also post a bond of $75,000, guaranteed by a surety or a real estate property. It can also be in cash that you need to deposit to the Treasurer. If your liability exceeds the amount of the bond during an accident, you need to pay the excess of your expenses or liabilities. The liabilities of the bond are subject to limits imposed by law.

As much as possible, it's best to get a policy from an authorized insurance company. It lessens the personal risks and costs in case of an accident. Nevertheless, staying informed of Nebraska’s insurance regulations can help you avoid further liabilities and penalties.

FAQs About Car Insurance in Nebraska

Drivers who are searching for car insurance may have some questions about the costs and other features of their policies. MoneyGeek answered some common questions about car insurance in Nebraska.

Expert Advice on Finding Cheap Car Insurance in Nebraska

To help you find credible and accurate insight into car insurance in Nebraska, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Nebraska should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Nebraska take to find affordable car insurance?
Phuvadon Wuthisatian
Phuvadon Wuthisatian

Assistant Professor of Finance at Hastings College

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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