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American National P&C is the cheapest option for most drivers in Nebraska. Auto-Owners Insurance Co and Farmers Mutual of Nebraska are affordable choices for other drivers.

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

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Nebraska (September 2023)

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

  • American National P&C: $145 per year
  • Auto-Owners Insurance Co: $279 per year

The most expensive car insurance for a minimum coverage policy is from Allstate, with an average premium of $717 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

$145

$12

American National P&C

$164

$14

American National P&C

$170

$14

Progressive

$271

$23

Farmers Mutual of Nebraska

$278

$23

Auto-Owners Insurance Co

$279

$23

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$290

$24

Progressive

$317

$26

Progressive

$340

$28

GEICO

$340

$28

Shelter

$341

$28

Iowa Farm Bureau

$347

$29

State Farm

$371

$31

GEICO

$374

$31

State Farm

$383

$32

Auto-Owners Insurance Co

$387

$32

American National P&C

$393

$33

Iowa Farm Bureau

$397

$33

GEICO

$400

$33

Farmers Mutual of Nebraska

$410

$34

American National P&C

$417

$35

Shelter

$419

$35

IMT Insurance Company

$426

$36

IMT Insurance Company

$432

$36

Iowa Farm Bureau

$441

$37

State Farm

$471

$39

Farmers

$484

$40

American National P&C

$508

$42

Farmers

$534

$45

AAA

$535

$45

AAA

$543

$45

Farmers

$573

$48

Auto-Owners Insurance Co

$625

$52

IMT Insurance Company

$635

$53

Auto-Owners Insurance Co

$654

$54

Shelter

$656

$55

AAA

$694

$58

Allstate

$717

$60

Allstate

$728

$61

Farmers Mutual of Nebraska

$769

$64

Shelter

$789

$66

Allstate

$808

$67

Farmers Mutual of Nebraska

$880

$73

Auto-Owners Insurance Co

$905

$75

Progressive

$935

$78

Shelter

$967

$81

GEICO

$975

$81

Progressive

$1,021

$85

IMT Insurance Company

$1,035

$86

Farmers

$1,040

$87

Farmers

$1,046

$87

State Farm

$1,061

$88

GEICO

$1,072

$89

Iowa Farm Bureau

$1,073

$89

GEICO

$1,077

$90

IMT Insurance Company

$1,080

$90

State Farm

$1,147

$96

Allstate

$1,195

$100

Iowa Farm Bureau

$1,215

$101

Farmers Mutual of Nebraska

$1,223

$102

AAA

$1,226

$102

Farmers

$1,232

$103

Allstate

$1,254

$104

Progressive

$1,269

$106

Iowa Farm Bureau

$1,307

$109

AAA

$1,350

$113

IMT Insurance Company

$1,374

$114

Shelter

$1,469

$122

State Farm

$1,473

$123

Allstate

$1,480

$123

AAA

$1,891

$158

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 (September 2023)

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

  • American National P&C: $417 per year
  • Auto-Owners Insurance Co: $654 per year

AAA offers the most expensive full coverage policy, at $1,350 per year.

Adding comprehensive and collision insurance to a policy may cost $272 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

$145

$12

American National P&C

$164

$14

American National P&C

$170

$14

Progressive

$271

$23

Farmers Mutual of Nebraska

$278

$23

Auto-Owners Insurance Co

$279

$23

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$290

$24

Progressive

$317

$26

Progressive

$340

$28

GEICO

$340

$28

Shelter

$341

$28

Iowa Farm Bureau

$347

$29

State Farm

$371

$31

GEICO

$374

$31

State Farm

$383

$32

Auto-Owners Insurance Co

$387

$32

American National P&C

$393

$33

Iowa Farm Bureau

$397

$33

GEICO

$400

$33

Farmers Mutual of Nebraska

$410

$34

American National P&C

$417

$35

Shelter

$419

$35

IMT Insurance Company

$426

$36

IMT Insurance Company

$432

$36

Iowa Farm Bureau

$441

$37

State Farm

$471

$39

Farmers

$484

$40

American National P&C

$508

$42

Farmers

$534

$45

AAA

$535

$45

AAA

$543

$45

Farmers

$573

$48

Auto-Owners Insurance Co

$625

$52

IMT Insurance Company

$635

$53

Auto-Owners Insurance Co

$654

$54

Shelter

$656

$55

AAA

$694

$58

Allstate

$717

$60

Allstate

$728

$61

Farmers Mutual of Nebraska

$769

$64

Shelter

$789

$66

Allstate

$808

$67

Farmers Mutual of Nebraska

$880

$73

Auto-Owners Insurance Co

$905

$75

Progressive

$935

$78

Shelter

$967

$81

GEICO

$975

$81

Progressive

$1,021

$85

IMT Insurance Company

$1,035

$86

Farmers

$1,040

$87

Farmers

$1,046

$87

State Farm

$1,061

$88

GEICO

$1,072

$89

Iowa Farm Bureau

$1,073

$89

GEICO

$1,077

$90

IMT Insurance Company

$1,080

$90

State Farm

$1,147

$96

Allstate

$1,195

$100

Iowa Farm Bureau

$1,215

$101

Farmers Mutual of Nebraska

$1,223

$102

AAA

$1,226

$102

Farmers

$1,232

$103

Allstate

$1,254

$104

Progressive

$1,269

$106

Iowa Farm Bureau

$1,307

$109

AAA

$1,350

$113

IMT Insurance Company

$1,374

$114

Shelter

$1,469

$122

State Farm

$1,473

$123

Allstate

$1,480

$123

AAA

$1,891

$158

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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GEICO

Cheapest Car Insurance in Nebraska by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Nebraska. MoneyGeek found that Allstate and American National P&C offer the cheapest options, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: American National P&C
Cheapest for seniors: American National P&C

Cheapest Car Insurance in Nebraska for Teens and Their Families (September 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

GEICO

$1,038

$1,140

GEICO

$1,056

$1,159

Farmers

$1,058

$1,409

Auto-Owners Insurance Co

$1,063

$1,311

Auto-Owners Insurance Co

$1,082

$1,198

Allstate

$1,101

$1,538

Allstate

$1,101

$1,538

GEICO

$1,123

$1,209

Auto-Owners Insurance Co

$1,138

$1,635

Farmers

$1,141

$1,564

Auto-Owners Insurance Co

$1,162

$1,286

Auto-Owners Insurance Co

$1,185

$1,373

Allstate

$1,193

$3,691

Allstate

$1,193

$3,691

Auto-Owners Insurance Co

$1,193

$1,472

GEICO

$1,202

$1,294

Allstate

$1,219

$1,239

Allstate

$1,219

$1,239

Allstate

$1,268

$1,289

Allstate

$1,268

$1,289

GEICO

$1,290

$1,416

Auto-Owners Insurance Co

$1,292

$1,498

Auto-Owners Insurance Co

$1,293

$1,859

Allstate

$1,325

$1,347

Allstate

$1,325

$1,347

Allstate

$1,339

$1,871

Allstate

$1,339

$1,871

Allstate

$1,390

$1,413

Allstate

$1,390

$1,413

GEICO

$1,393

$1,500

GEICO

$1,408

$1,416

Auto-Owners Insurance Co

$1,424

$1,650

State Farm

$1,431

$1,519

Progressive

$1,454

$1,996

Auto-Owners Insurance Co

$1,467

$2,109

Progressive

$1,480

$1,597

Progressive

$1,492

$1,504

Allstate

$1,503

$2,101

Allstate

$1,503

$2,101

State Farm

$1,609

$1,707

Progressive

$1,627

$1,641

State Farm

$1,643

$1,743

Progressive

$1,649

$1,780

Farmers

$1,712

$1,220

Progressive

$1,722

$1,736

Farmers

$1,744

$1,242

Farmers

$1,751

$1,247

Farmers

$1,755

$1,311

State Farm

$1,759

$1,866

Progressive

$1,768

$2,458

Farmers

$1,786

$1,333

GEICO

$1,791

$2,705

GEICO

$1,806

$1,650

Farmers

$1,808

$5,533

Farmers

$1,814

$1,354

State Farm

$1,817

$2,243

Progressive

$1,819

$1,963

Progressive

$1,843

$1,858

State Farm

$1,872

$1,986

Farmers

$1,873

$1,334

GEICO

$1,890

$1,901

Farmers

$1,905

$5,980

Farmers

$1,917

$2,554

State Farm

$1,949

$2,068

Allstate

$1,961

$6,067

Allstate

$1,961

$6,067

Progressive

$1,984

$2,724

Farmers

$1,987

$1,483

Auto-Owners Insurance Co

$1,990

$1,833

Farmers

$2,007

$6,140

Progressive

$2,011

$2,170

Farmers

$2,019

$2,767

Auto-Owners Insurance Co

$2,026

$2,415

GEICO

$2,039

$2,051

GEICO

$2,048

$1,872

State Farm

$2,051

$2,176

Progressive

$2,055

$5,516

Farmers

$2,075

$2,764

State Farm

$2,090

$2,581

Farmers

$2,123

$6,667

Farmers

$2,162

$2,964

Auto-Owners Insurance Co

$2,172

$2,001

State Farm

$2,227

$2,742

Auto-Owners Insurance Co

$2,247

$2,678

Progressive

$2,253

$3,093

Progressive

$2,253

$3,133

GEICO

$2,269

$3,213

Auto-Owners Insurance Co

$2,307

$2,126

Progressive

$2,310

$6,220

State Farm

$2,325

$2,467

Progressive

$2,359

$6,333

GEICO

$2,360

$3,563

State Farm

$2,365

$2,919

State Farm

$2,399

$3,350

Progressive

$2,434

$6,534

Auto-Owners Insurance Co

$2,484

$2,961

Progressive

$2,568

$3,571

Progressive

$2,598

$6,995

GEICO

$2,614

$3,948

Farmers

$2,619

$8,013

State Farm

$2,625

$3,233

Progressive

$2,684

$7,225

State Farm

$2,744

$3,832

Farmers

$2,777

$8,718

GEICO

$2,793

$2,552

State Farm

$3,001

$3,696

State Farm

$3,074

$4,215

State Farm

$3,119

$4,356

GEICO

$3,432

$4,859

State Farm

$3,501

$4,801

GEICO

$3,614

$5,115

State Farm

$3,982

$5,461

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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 (September 2023)

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

  • American National P&C: $508 per year
  • Auto-Owners Insurance Co: $905 per year

The most expensive company for young adults is AAA, which costs an average of $1,891 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 $91 more than the same policy for a middle-aged driver.

Company
Annual Premium
Monthly Premium

American National P&C

$145

$12

American National P&C

$164

$14

American National P&C

$170

$14

Progressive

$271

$23

Farmers Mutual of Nebraska

$278

$23

Auto-Owners Insurance Co

$279

$23

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$290

$24

Progressive

$317

$26

Progressive

$340

$28

GEICO

$340

$28

Shelter

$341

$28

Iowa Farm Bureau

$347

$29

State Farm

$371

$31

GEICO

$374

$31

State Farm

$383

$32

Auto-Owners Insurance Co

$387

$32

American National P&C

$393

$33

Iowa Farm Bureau

$397

$33

GEICO

$400

$33

Farmers Mutual of Nebraska

$410

$34

American National P&C

$417

$35

Shelter

$419

$35

IMT Insurance Company

$426

$36

IMT Insurance Company

$432

$36

Iowa Farm Bureau

$441

$37

State Farm

$471

$39

Farmers

$484

$40

American National P&C

$508

$42

Farmers

$534

$45

AAA

$535

$45

AAA

$543

$45

Farmers

$573

$48

Auto-Owners Insurance Co

$625

$52

IMT Insurance Company

$635

$53

Auto-Owners Insurance Co

$654

$54

Shelter

$656

$55

AAA

$694

$58

Allstate

$717

$60

Allstate

$728

$61

Farmers Mutual of Nebraska

$769

$64

Shelter

$789

$66

Allstate

$808

$67

Farmers Mutual of Nebraska

$880

$73

Auto-Owners Insurance Co

$905

$75

Progressive

$935

$78

Shelter

$967

$81

GEICO

$975

$81

Progressive

$1,021

$85

IMT Insurance Company

$1,035

$86

Farmers

$1,040

$87

Farmers

$1,046

$87

State Farm

$1,061

$88

GEICO

$1,072

$89

Iowa Farm Bureau

$1,073

$89

GEICO

$1,077

$90

IMT Insurance Company

$1,080

$90

State Farm

$1,147

$96

Allstate

$1,195

$100

Iowa Farm Bureau

$1,215

$101

Farmers Mutual of Nebraska

$1,223

$102

AAA

$1,226

$102

Farmers

$1,232

$103

Allstate

$1,254

$104

Progressive

$1,269

$106

Iowa Farm Bureau

$1,307

$109

AAA

$1,350

$113

IMT Insurance Company

$1,374

$114

Shelter

$1,469

$122

State Farm

$1,473

$123

Allstate

$1,480

$123

AAA

$1,891

$158

Cheapest Car Insurance in Nebraska for Seniors (September 2023)

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

  • American National P&C: $393 per year
  • Auto-Owners Insurance Co: $625 per year

AAA offers the most expensive car insurance for seniors, at approximately $1,226 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

$145

$12

American National P&C

$164

$14

American National P&C

$170

$14

Progressive

$271

$23

Farmers Mutual of Nebraska

$278

$23

Auto-Owners Insurance Co

$279

$23

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$290

$24

Progressive

$317

$26

Progressive

$340

$28

GEICO

$340

$28

Shelter

$341

$28

Iowa Farm Bureau

$347

$29

State Farm

$371

$31

GEICO

$374

$31

State Farm

$383

$32

Auto-Owners Insurance Co

$387

$32

American National P&C

$393

$33

Iowa Farm Bureau

$397

$33

GEICO

$400

$33

Farmers Mutual of Nebraska

$410

$34

American National P&C

$417

$35

Shelter

$419

$35

IMT Insurance Company

$426

$36

IMT Insurance Company

$432

$36

Iowa Farm Bureau

$441

$37

State Farm

$471

$39

Farmers

$484

$40

American National P&C

$508

$42

Farmers

$534

$45

AAA

$535

$45

AAA

$543

$45

Farmers

$573

$48

Auto-Owners Insurance Co

$625

$52

IMT Insurance Company

$635

$53

Auto-Owners Insurance Co

$654

$54

Shelter

$656

$55

AAA

$694

$58

Allstate

$717

$60

Allstate

$728

$61

Farmers Mutual of Nebraska

$769

$64

Shelter

$789

$66

Allstate

$808

$67

Farmers Mutual of Nebraska

$880

$73

Auto-Owners Insurance Co

$905

$75

Progressive

$935

$78

Shelter

$967

$81

GEICO

$975

$81

Progressive

$1,021

$85

IMT Insurance Company

$1,035

$86

Farmers

$1,040

$87

Farmers

$1,046

$87

State Farm

$1,061

$88

GEICO

$1,072

$89

Iowa Farm Bureau

$1,073

$89

GEICO

$1,077

$90

IMT Insurance Company

$1,080

$90

State Farm

$1,147

$96

Allstate

$1,195

$100

Iowa Farm Bureau

$1,215

$101

Farmers Mutual of Nebraska

$1,223

$102

AAA

$1,226

$102

Farmers

$1,232

$103

Allstate

$1,254

$104

Progressive

$1,269

$106

Iowa Farm Bureau

$1,307

$109

AAA

$1,350

$113

IMT Insurance Company

$1,374

$114

Shelter

$1,469

$122

State Farm

$1,473

$123

Allstate

$1,480

$123

AAA

$1,891

$158

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 for Higher Risk Drivers (September 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 FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American National P&C ($476 per year)
Cheapest after an accident: American National P&C ($536 per year)
Cheapest after a DUI: American National P&C ($589 per year)
Cheapest for poor credit: Farmers Mutual ($1,328 per year)
Cheapest for sports cars: Auto-Owners Insruance ($649 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: $476 per year
  • Auto-Owners Insurance Co: $857 per year

AAA is the most expensive company for drivers with speeding tickets. Its average premium is $2,050 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

$172

$14

American National P&C

$195

$16

American National P&C

$203

$17

Farmers Mutual of Nebraska

$304

$25

Farmers Mutual of Nebraska

$337

$28

GEICO

$353

$29

Progressive

$355

$30

Auto-Owners Insurance Co

$363

$30

Auto-Owners Insurance Co

$368

$31

GEICO

$374

$31

Progressive

$381

$32

GEICO

$400

$33

Progressive

$406

$34

State Farm

$409

$34

State Farm

$432

$36

Iowa Farm Bureau

$435

$36

Farmers Mutual of Nebraska

$449

$37

American National P&C

$455

$38

American National P&C

$476

$40

Auto-Owners Insurance Co

$492

$41

IMT Insurance Company

$496

$41

Iowa Farm Bureau

$500

$42

IMT Insurance Company

$501

$42

State Farm

$520

$43

Iowa Farm Bureau

$554

$46

American National P&C

$584

$49

Farmers

$592

$49

Shelter

$645

$54

Farmers

$675

$56

Farmers

$686

$57

IMT Insurance Company

$740

$62

Allstate

$785

$65

Allstate

$793

$66

Shelter

$794

$66

Auto-Owners Insurance Co

$803

$67

Farmers Mutual of Nebraska

$842

$70

Auto-Owners Insurance Co

$857

$71

AAA

$870

$72

Allstate

$880

$73

AAA

$892

$74

Farmers Mutual of Nebraska

$1,008

$84

GEICO

$1,018

$85

GEICO

$1,072

$89

GEICO

$1,077

$90

Shelter

$1,098

$92

AAA

$1,130

$94

State Farm

$1,146

$95

Auto-Owners Insurance Co

$1,169

$97

IMT Insurance Company

$1,193

$99

Progressive

$1,256

$105

IMT Insurance Company

$1,257

$105

State Farm

$1,265

$105

Progressive

$1,274

$106

Allstate

$1,285

$107

Farmers Mutual of Nebraska

$1,342

$112

Iowa Farm Bureau

$1,348

$112

Farmers

$1,348

$112

Allstate

$1,372

$114

Farmers

$1,383

$115

Shelter

$1,447

$121

Progressive

$1,502

$125

Farmers

$1,514

$126

Iowa Farm Bureau

$1,537

$128

IMT Insurance Company

$1,593

$133

State Farm

$1,594

$133

Allstate

$1,602

$134

Iowa Farm Bureau

$1,643

$137

Shelter

$1,776

$148

AAA

$1,922

$160

AAA

$2,050

$171

Shelter

$2,448

$204

AAA

$2,847

$237

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: $536 per year
  • Auto-Owners Insurance Co: $780 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 $548 more expensive than a policy for a driver with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$201

$17

American National P&C

$229

$19

American National P&C

$239

$20

Auto-Owners Insurance Co

$320

$27

Auto-Owners Insurance Co

$327

$27

Farmers Mutual of Nebraska

$340

$28

Farmers Mutual of Nebraska

$376

$31

Auto-Owners Insurance Co

$432

$36

State Farm

$447

$37

State Farm

$472

$39

Progressive

$488

$41

Farmers Mutual of Nebraska

$499

$42

American National P&C

$521

$43

Progressive

$532

$44

Iowa Farm Bureau

$534

$44

American National P&C

$536

$45

Progressive

$537

$45

GEICO

$561

$47

State Farm

$569

$47

Iowa Farm Bureau

$614

$51

GEICO

$642

$53

American National P&C

$666

$56

Iowa Farm Bureau

$679

$57

Farmers

$715

$60

Auto-Owners Insurance Co

$728

$61

Shelter

$735

$61

GEICO

$746

$62

Auto-Owners Insurance Co

$780

$65

Farmers

$800

$67

Farmers

$816

$68

Allstate

$883

$74

Allstate

$894

$74

Shelter

$905

$75

Farmers Mutual of Nebraska

$936

$78

AAA

$946

$79

AAA

$967

$81

Allstate

$1,006

$84

IMT Insurance Company

$1,016

$85

IMT Insurance Company

$1,027

$86

Auto-Owners Insurance Co

$1,056

$88

Farmers Mutual of Nebraska

$1,118

$93

AAA

$1,224

$102

State Farm

$1,231

$103

Shelter

$1,254

$104

State Farm

$1,357

$113

Allstate

$1,443

$120

Farmers Mutual of Nebraska

$1,490

$124

Farmers

$1,515

$126

Allstate

$1,540

$128

IMT Insurance Company

$1,541

$128

Farmers

$1,569

$131

GEICO

$1,611

$134

Shelter

$1,614

$135

Progressive

$1,616

$135

Progressive

$1,629

$136

Iowa Farm Bureau

$1,654

$138

Farmers

$1,686

$140

State Farm

$1,714

$143

Allstate

$1,818

$151

GEICO

$1,853

$154

Progressive

$1,858

$155

Iowa Farm Bureau

$1,887

$157

Shelter

$1,983

$165

GEICO

$2,011

$168

Iowa Farm Bureau

$2,017

$168

AAA

$2,054

$171

IMT Insurance Company

$2,098

$175

AAA

$2,183

$182

IMT Insurance Company

$2,197

$183

Shelter

$2,737

$228

IMT Insurance Company

$2,917

$243

AAA

$3,010

$251

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: $589 per year
  • Progressive: $1,142 per year

You’ll find the most expensive policy for drivers with DUI in AAA, with an average premium of $5,011 per year.

The average cost of car insurance for drivers with a DUI is around $976 more expensive than a policy for a driver with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$226

$19

American National P&C

$257

$21

American National P&C

$268

$22

Progressive

$318

$27

Progressive

$338

$28

Progressive

$371

$31

State Farm

$409

$34

State Farm

$432

$36

State Farm

$520

$43

Farmers Mutual of Nebraska

$555

$46

American National P&C

$577

$48

American National P&C

$589

$49

Farmers Mutual of Nebraska

$613

$51

Auto-Owners Insurance Co

$675

$56

Auto-Owners Insurance Co

$677

$56

Farmers

$683

$57

Iowa Farm Bureau

$700

$58

American National P&C

$735

$61

IMT Insurance Company

$741

$62

IMT Insurance Company

$750

$62

Farmers

$766

$64

Farmers

$791

$66

Shelter

$802

$67

Iowa Farm Bureau

$805

$67

Farmers Mutual of Nebraska

$817

$68

Iowa Farm Bureau

$892

$74

Allstate

$902

$75

Allstate

$913

$76

GEICO

$914

$76

Auto-Owners Insurance Co

$934

$78

GEICO

$977

$81

Shelter

$988

$82

Allstate

$1,030

$86

Progressive

$1,114

$93

IMT Insurance Company

$1,117

$93

Progressive

$1,142

$95

State Farm

$1,146

$95

GEICO

$1,161

$97

State Farm

$1,265

$105

Auto-Owners Insurance Co

$1,351

$113

Shelter

$1,365

$114

Progressive

$1,369

$114

Auto-Owners Insurance Co

$1,422

$118

Farmers

$1,456

$121

Allstate

$1,471

$123

Farmers

$1,511

$126

Farmers Mutual of Nebraska

$1,526

$127

Allstate

$1,565

$130

State Farm

$1,594

$133

Farmers

$1,624

$135

Shelter

$1,798

$150

Farmers Mutual of Nebraska

$1,826

$152

IMT Insurance Company

$1,829

$152

Allstate

$1,855

$155

IMT Insurance Company

$1,927

$161

Auto-Owners Insurance Co

$1,993

$166

Iowa Farm Bureau

$2,172

$181

Shelter

$2,209

$184

Farmers Mutual of Nebraska

$2,432

$203

IMT Insurance Company

$2,443

$204

Iowa Farm Bureau

$2,479

$207

GEICO

$2,635

$220

Iowa Farm Bureau

$2,651

$221

AAA

$2,672

$223

AAA

$2,673

$223

GEICO

$2,822

$235

Shelter

$3,050

$254

GEICO

$3,125

$260

AAA

$3,342

$279

AAA

$4,853

$404

AAA

$5,011

$418

AAA

$6,479

$540

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

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

  • Farmers Mutual of Nebraska: $1,328 per year
  • American National P&C: $1,409 per year

State Farm has the most expensive car insurance if you have poor credit. Its average premium costs $5,130 per year.

On average, a driver with good credit (over 750) pays $1,088 less per year on their policy than drivers with poor credit (under 580).

Company
Annual Premium
Monthly Premium

GEICO

$1,700

$142

American National P&C

$1,715

$143

Farmers Mutual of Nebraska

$1,768

$147

IMT Insurance Company

$1,872

$156

Farmers

$1,904

$159

Allstate

$2,261

$188

Iowa Farm Bureau

$2,387

$199

Auto-Owners Insurance Co

$2,617

$218

Shelter

$2,716

$226

Progressive

$2,847

$237

AAA

$2,980

$248

State Farm

$6,432

$536

American National P&C

$575

$48

Farmers Mutual of Nebraska

$594

$49

GEICO

$594

$50

Progressive

$747

$62

Iowa Farm Bureau

$821

$68

Farmers

$850

$71

IMT Insurance Company

$930

$78

Shelter

$1,069

$89

Auto-Owners Insurance Co

$1,090

$91

Allstate

$1,120

$93

AAA

$1,199

$100

State Farm

$2,056

$171

Farmers Mutual of Nebraska

$1,328

$111

American National P&C

$1,409

$117

IMT Insurance Company

$1,468

$122

GEICO

$1,614

$134

Farmers

$1,659

$138

Shelter

$1,800

$150

Auto-Owners Insurance Co

$1,937

$161

Allstate

$1,954

$163

AAA

$2,089

$174

Iowa Farm Bureau

$2,319

$193

Progressive

$2,355

$196

State Farm

$5,130

$427

Farmers Mutual of Nebraska

$446

$37

American National P&C

$489

$41

GEICO

$559

$47

IMT Insurance Company

$619

$52

Progressive

$644

$54

Shelter

$685

$57

Farmers

$735

$61

Iowa Farm Bureau

$770

$64

Auto-Owners Insurance Co

$804

$67

AAA

$898

$75

Allstate

$1,010

$84

State Farm

$1,711

$143

Farmers Mutual of Nebraska

$1,108

$92

American National P&C

$1,327

$111

IMT Insurance Company

$1,397

$116

Shelter

$1,470

$123

Farmers

$1,655

$138

GEICO

$1,709

$142

Auto-Owners Insurance Co

$1,804

$150

Allstate

$1,832

$153

AAA

$1,954

$163

Iowa Farm Bureau

$2,023

$169

Progressive

$2,119

$177

State Farm

$4,633

$386

Farmers Mutual of Nebraska

$404

$34

American National P&C

$553

$46

Shelter

$558

$47

Progressive

$608

$51

IMT Insurance Company

$625

$52

GEICO

$635

$53

Iowa Farm Bureau

$667

$56

Farmers

$815

$68

Auto-Owners Insurance Co

$819

$68

AAA

$937

$78

Allstate

$1,006

$84

State Farm

$1,618

$135

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 (September 2023)

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

  • Auto-Owners Insurance Co: $649 per year
  • Farmers: $995 per year

The more expensive company for sports cars is State Farm, with an average premium of $1,425 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 $148 more expensive than a policy for a Toyota Camry.

Company
Annual Premium
Monthly Premium

American National P&C

$145

$12

American National P&C

$164

$14

American National P&C

$170

$14

Progressive

$271

$23

Farmers Mutual of Nebraska

$278

$23

Auto-Owners Insurance Co

$279

$23

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$290

$24

Progressive

$317

$26

Progressive

$340

$28

GEICO

$340

$28

Shelter

$341

$28

Iowa Farm Bureau

$347

$29

State Farm

$371

$31

GEICO

$374

$31

State Farm

$383

$32

Auto-Owners Insurance Co

$387

$32

Iowa Farm Bureau

$397

$33

GEICO

$400

$33

Farmers Mutual of Nebraska

$410

$34

Shelter

$419

$35

IMT Insurance Company

$426

$36

IMT Insurance Company

$432

$36

Iowa Farm Bureau

$441

$37

State Farm

$471

$39

Farmers

$484

$40

Farmers

$534

$45

AAA

$535

$45

AAA

$543

$45

Farmers

$573

$48

Auto-Owners Insurance Co

$610

$51

IMT Insurance Company

$635

$53

Auto-Owners Insurance Co

$649

$54

Shelter

$656

$55

AAA

$694

$58

Allstate

$717

$60

Allstate

$728

$61

Allstate

$808

$67

Auto-Owners Insurance Co

$884

$74

Farmers

$943

$79

Farmers

$995

$83

Progressive

$1,042

$87

Allstate

$1,073

$89

Allstate

$1,140

$95

Farmers

$1,157

$96

Progressive

$1,276

$106

State Farm

$1,287

$107

Allstate

$1,339

$112

GEICO

$1,401

$117

State Farm

$1,425

$119

GEICO

$1,448

$121

GEICO

$1,471

$123

Progressive

$1,650

$137

State Farm

$1,822

$152

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 (September 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 $417 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.

mglogo
MoneyGeek Top Pick
American National P&C
  • $417 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 $385 per year. If you buy the same policy in Omaha, the rate can increase to around $492 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

$385

Omaha

American National P&C

$492

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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