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Cheapest Car Insurance Companies and Quotes in Nebraska

MoneyGeek ranked the cheapest car insurance companies in Nebraska based on average annual rates for comprehensive and collision coverage. What you can expect to pay can vary significantly from these rates, so you can compare car insurance quotes and annual premiums to get a more concrete idea.

Average Comprehensive and Collision Rates in Nebraska

It is important to remember that these numbers are ballpark costs for the average driver. Insurance providers decide premium rates based on their assessment of different personal risk factors. Some providers might incentivize good driver behavior with discounts, while some might increase premiums for drivers with DUIs or tickets. You need to shop around to find the best rates for your situation.

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Cheapest Liability Car Insurance in Nebraska

In Nebraska, all drivers must have liability insurance. This policy protects the other driver if you are at fault in an accident but does not cover your costs. So, it’s a smart idea to look for more comprehensive coverage to stay protected. In Nebraska, GEICO offers the cheapest average annual premium of $307 for state minimum coverage. Farmers Mutual of Nebraska’s average yearly cost of $334 is the most affordable rate in the state for a 50/100/50 liability-only package.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Nebraska for 2021

To find the best car insurance in Nebraska, MoneyGeek used factors like price, customer satisfaction, financial strength and claims experience to score each provider.

To score each criterion, MoneyGeek used information from J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength ratings, along with unique data about pricing. MoneyGeek weighed each factor equally to arrive at the final score out of 100.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

Auto-Owners Insurance CoScore: 97.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

TravelersScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

ProgressiveScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

7

AAAScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

8

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

9

American FamilyScore: 77.5
+

3/5

User Satisfaction

2/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

10

SafecoScore: 77.5
+

2/5

User Satisfaction

4/5

Claims Ratings

2/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

According to 2018 data from the National Association of Insurance Commissioners, the top-rated auto insurance companies in Nebraska are State Farm, Progressive, American Family, GEICO, Farmers Mutual of Nebraska, Iowa Farm Bureau, Nationwide, Allstate, USAA and Farmers Insurance. USAA is a company that offers insurance to members of the military and veterans and their families.

State Farm grabs the largest market share in Nebraska with 21.45%, followed by Progressive at 13.91% and American Family at 8.23%.

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What Is the Average Cost of Car Insurance in Nebraska?

MoneyGeek calculated the average 100/300/100 comprehensive and collision insurance rates for a typical 40-year-old male with a clean driving record with a Toyota Camry. Depending on your driving history, age and coverage level, your costs might be higher or lower than the Nebraska averages shown here.

  • Average Driver: $923
  • DUI: $1,648
  • Speeding Ticket: $1,055
  • Poor Credit Score: $1,628
  • Seniors: $941
  • Students: $2,287

Cheapest Car Insurance for Drivers With a DUI in Nebraska

Driving under the influence (DUI) can raise your car insurance rates. According to the Centers for Disease Control and Prevention, 616 people died in alcohol-related car accidents in Nebraska from 2009-2018 and 3% of Nebraska drivers report driving after drinking too much within the last 30 days.

Getting a DUI can not only derail your life, but it is also expensive since it comes with fines and higher insurance rates. Consider the following auto insurance rates for drivers who receive a DUI in Nebraska.

Average Car Insurance Rates With a DUI

When it comes to getting a DUI, how much your rate will increase depends on your insurance company, your location and your driving history. If you don't want your rates to increase, don't drink and drive.

Cheapest Car Insurance With Tickets in Nebraska

Distracted driving can cause your insurance rates to go up since driving while distracted can cause accidents. Nebraska state laws prohibits texting while driving, according to the Nebraska Department of Health and Human Services.

The following table shows estimates of what Nebraska residents can expect to pay for car insurance after receiving a ticket for speeding or distracted driving.

Average Car Insurance Rates With a Ticket

Your auto insurance rates will probably go up if you get a ticket for distracted driving or speeding, so drive safely to keep your rates affordable.

Cheapest Car Insurance Companies in Nebraska for Drivers With Bad Credit

According to Experian, the average FICO score in Nebraska is 723. Credit scores help companies better predict insurance losses and can impact your rates. Generally, the higher your score, the lower the chances you'll file a claim and the lower your rates while the lower your score, the higher the odds you'll file a claim and the higher your rates.

Consider the following chart for an estimate of Nebraska auto insurance rates for people with low credit scores.

Average Car Insurance Rates for Drivers With Bad Credit

Raising your credit score can help lower your rates, so take the time to improve your score to save some money.

Cheapest Car Insurance Companies in Nebraska for Seniors

According to the National Highway Traffic Safety Administration, 12.3% of fatal car crashes in Nebraska in 2017 were caused by drivers over the age of 65.

Senior drivers should shop around to make sure they are getting the best rates. They should also ask for discounts for completing driver safety courses, discounts for driving infrequently and discounts for choosing a vehicle that has good safety features.

The following table is a general guideline of what seniors in Nebraska can expect when they go looking for the most affordable car insurance.

Average Car Insurance Rates for Seniors

In Nebraska, more than 166,500 licensed drivers are age 70 and older. Nebraska mandates that drivers 72 and older to complete license renewals in person. Nebraska also accepts requests for the DMV to do unsafe driver investigations on elderly drivers.

Cheapest Car Insurance for Students in Nebraska

The Nebraska Department of Insurance suggests that it may be less expensive to buy and insure an older vehicle for a teen driver than to add the child to an existing policy. Nebraska puts restrictions on young drivers to save their lives while they're learning to drive.

Full-time college students from out of state who hold a valid driver's license do not need a Nebraska license to drive. Nebraska residents enrolled in an out-of-state school should let their insurance company know if the car will be used in another state more than 30 days a year and then adjust insurance coverage to meet the requirements of the state the student is living in temporarily.

The following table illustrates an estimation of what parents in Nebraska can expect to pay for their teen or college-aged student drivers.

Average Car Insurance Rates for Students

Insurance Rate Information for Military Drivers and Veterans

More than a dozen auto insurance companies offer discounts to veterans and active-duty military members in Nebraska. These include major carriers like Geico and AFI, as well as specialty companies that only work with active-duty military and veterans, such as USAA. Take into account the value of your car and your personal net worth when shopping for the best rate on auto insurance in the state. It helps to get at least three quotes for a decent comparison. Your military discount is usually automatic and you only need to show proof of service. To get the best rate, you'll need to show a good driving record as well.

With insurance coverage, the military personnel who are stationed at a base in Nebraska, but are not legal state residents, can still drive on their valid out-of-state plates. For everyone else, registering a vehicle online takes only a few minutes through the Nebraska DMV.

Consider the following table for estimates of what military members and veterans can expect to pay for auto insurance in Nebraska.

Average Rates for Nebraska service members

male
25 years$1,355
50 years$1,043
female
25 years$1,284
50 years$1,057

Car Insurance in Nebraska: What You Need to Know

All drivers in Nebraska need a certificate of insurance or other proof of financial responsibility before the DMV will register a vehicle.

Proof of Insurance in Nebraska

Carry an original insurance card or an electronic version in the vehicle. You should expect to show it when registering a car and you'll also have to share insurance information after an accident that involves injury or property damage.

Minimum Liability Insurance Requirements in Nebraska

Nebraska requires specific minimum levels of liability coverage for all motor vehicle owners in the following amounts:

  • $25,000 per person for injuries
  • $50,000 for all injuries in an accident
  • $25,000 for property damage

High-Risk Auto Insurance Program in Nebraska

If you're a high-risk driver who can't buy a policy on the open market, you can apply for insurance through the Nebraska Automobile Insurance Plan. Applications for the plan are available through insurance agents licensed in the state.

Alternatives to Insurance in Nebraska

As an alternative to buying insurance, Nebraska vehicle owners can post a $75,000 surety or real estate bond for every car and truck they own, or they can submit a cash deposit of equal value to the Nebraska State Treasurer. However, if you're at fault in an accident that costs more than $75,000, you'll need to pay for the difference.

How Much Coverage Do You Need in Nebraska?

The minimum insurance required by Nebraska law is relatively minimal, so you may want to buy extra insurance to get sufficient coverage. Insurance experts and consumer advocates recommend getting liability insurance of $100,000 or more per injury and $300,000 or more per accident.

You may also want to consider uninsured motorist protection, which will help cover your damages if the driver at fault doesn't have insurance or causes a hit-and-run accident.

If you own a new car, you may want to get collision coverage (which covers repairs or replacement due to a crash) or comprehensive (which pays for car damage caused by fire, theft and natural disasters). If you have a car loan, your lender will require these coverages to protect their investment.

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Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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About the Author


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Laura Longero is an award-winning journalist who has 15 years of experience in the industry across content creation, writing and editing, communications and storytelling. She spends her free time wrangling her kids, reading and pinching pennies.


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