The Cheapest Car Insurance in Nebraska for 2022

Although GEICO is the cheapest insurer overall, the cost of car insurance in Nebraska is determined by a number of criteria, which include the amount of coverage, driving history, age and credit score. If you are a senior driver in Nebraska or if you have bad credit, Farmers Mutual of Nebraska may be the most affordable option, while young drivers may find cheaper rates with GEICO. And MoneyGeek found that if you have a DUI on your record, State Farm offers ways to save.

If you come from a military family, USAA is one of the cheapest alternatives.

cheapestauto insuranceNebraska2022

The Cheapest Car Insurance in Nebraska

Cheapest for minimum liability - GEICO

Cheapest for full coverage - GEICO

Cheapest for drivers with a DUI - State Farm

Cheapest for drivers with a ticket - GEICO

Cheapest for drivers with bad credit - Farmers Mutual of Nebraska

Cheapest for senior drivers - Farmers Mutual of Nebraska

Cheapest for student drivers - Progressive

The cheapest option for car insurance in Nebraska is a minimum liability policy. This type of insurance only offers the lowest amount of coverage acceptable by the state.

According to MoneyGeek, Nebraska companies that provide the lowest rates for minimum liability coverage are:

• GEICO: $307 per year
• Farmers Mutual of Nebraska: $308 per year

MetLife has the highest rates for the minimum liability coverage, with an average cost of $847 per year.

Cheapest Minimum Car Insurance in Nebraska

These prices are only estimates based on rates for an average Nebraska driver and should not be used to compare insurance prices.

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Getting full coverage in Nebraska provides more protection and higher limits. While it may cost more, residents with this coverage receive comprehensive and collision insurance, with more protection against road accidents and off-road incidents. By comparing car insurance quotes, you can find the lowest premiums.

Based on MoneyGeek’s scores, the cheapest insurance companies to engage for full coverage car insurance are:

• GEICO: $700 per year
• Farmers Mutual of Nebraska: $755 per year

USAA is the cheapest car insurance option for military at roughly $672 per year, but it is exclusive for current and former military persons.

The most expensive insurer is MetLife, with an average annual cost of $1,485.

Cheapest Full Coverage Car Insurance in Nebraska

Your rates may be higher or lower than the costs listed above. These prices constitute annual estimates for a policy with comprehensive and collision coverage with $100,000 per person in bodily injury liability, $300,000 in bodily injury coverage per accident and $100,000 coverage for property damage per accident.

Nebraska residents can request a reasonably accurate quote from most insurers online through the company’s website.

• When comparing quotes, use the same coverage limits for all quotes. For example, if you want coverage for a policy with $300,000 in bodily liability insurance per accident, specify the same amount to all the insurance companies.
• To compare the average costs for companies in Nebraska, you can use MoneyGeek's car insurance calculator to get a quote without submitting any personal information. However, you'll need to provide more information if you want a personalized quote. You can also use MoneyGeek’s data to find the best car insurance providers in the state.
• According to MoneyGeek, the cheapest insurers in the state are GEICO, Farmers Mutual and USAA. You can start by researching these companies when looking for quotes.

Auto Insurance Calculator

State

Nebraska

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

GEICO

$307

2.

Farmers Mutual of Nebraska

$309

3.

USAA

$328

4.

State Farm

$384

5.

American Family

$443

Drivers with a DUI in Nebraska pay higher car insurance premiums than those with a clean driving record. The average cost of auto insurance for Nebraska drivers with a DUI is $1,648 per year, while drivers with a clean record are charged $923 annually on average.

Based on MoneyGeek, the cheapest insurance companies for drivers with a DUI interested in full coverage are:

• State Farm: $842 per year
• Progressive: 1,108 per year

USAA and GEICO charge the lowest premiums for residents with clean driving history, but State Farm and Progressive are the best for drivers with a DUI.

Average Car Insurance Rates With a DUI

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 above auto insurance rates for drivers who receive a DUI in Nebraska.

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.

In Nebraska, drivers with an at-fault pay more for car insurance than those with a clean driving record. The average cost of car insurance for Nebraska drivers with an at-fault accident is $1,406 per year.

Based on MoneyGeek’s findings, the cheapest options for drivers with an at-fault accident per year in Nebraska are, on average:

• State Farm: $911 per year
• Farmers Mutual of Nebraska: $920 per year

If you come from a military background, USAA is also quite affordable. It cost our sample driver $993 per year.

Cheapest Car Insurance With an At-Fault Accident

Minor traffic offenses in Nebraska, such as speeding tickets, can increase your car insurance premiums. Nebraska drivers with speeding tickets pay an average of $1,055 per year. Drivers with no tickets pay approximately $923 annually.

The most affordable auto insurance providers in the state for drivers with speeding tickets are:

• GEICO: $700 per year
• Farmers Mutual of Nebraska: $828 per year

USAA is the second most affordable option at around $826 per year. However, it is for current and former military members only.

USAA and GEICO also offer the lowest rates for drivers in Nebraska with no minor traffic offenses on their records.

Average Car Insurance Rates With a Ticket

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

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.

Nebraska drivers with poor credit are charged more than those with good credit. The average cost of car insurance for drivers with good credit scores is $923 per year, while the cost for drivers with bad scores is $1,628 per year.

MoneyGeek's study indicates that insurers with the lowest rates for drivers with bad credit are:

• Farmers Mutual: $1,064 per year
• GEICO: $1,102 per year

USAA is the second most affordable option at an average of $1,085 per year but is only available for current and former military members.

Farmers Mutual replaces USAA as the cheapest option for drivers with bad credit scores, while USAA replaces GEICO as the second-cheapest insurer.

Average Car Insurance Rates 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 above chart for an estimate of Nebraska auto insurance rates for people with low credit scores.

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

If you are a senior driver in Nebraska, your car insurance will cost more than middle-aged and young-adult drivers. Senior drivers in Nebraska pay an average of $941 annually, which is higher than the state’s average of $923 for a 40-year old driver.

Companies that provide the best full coverage rates for senior drivers in Nebraska include:

• Farmers Mutual: $714 per year
• State Farm: $747 per year

USAA is the cheapest option for seniors at roughly $701 per year but is exclusively for military members.

USAA remains the best option for senior and middle-aged drivers. Farmers Mutual is the second-best for seniors instead of GEICO, which offers better rates for non-seniors.

Average Car Insurance Rates 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 above table is a general guideline of what seniors in Nebraska can expect when they go looking for the most affordable car insurance.

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.

Young drivers in Nebraska pay higher car insurance premiums than adult drivers as they are considered higher-risk drivers. Insurers charge 16-year olds $2,574 per year, which is more than double the amount paid by a 25-year old at $1,017 per year.

The cheapest car insurance options for young drivers in Nebraska include:

• GEICO
• Allstate

In Nebraska, GEICO is most commonly the cheapest car insurance option for drivers ages 21 to 25. Allstate is the cheapest option for 19 and 20-year-old drivers, on average. MoneyGeek found that Progressive, Allied and State Farm can also be affordable for drivers of certain ages.

Annual Car Insurance In Nebraska for Young Drivers

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• Age
  Average Cost
  Cheapest Company
  Company Cost
• 16
  $2,574
  Progressive
  $2,048
• 17
  $2,225
  Allied
  $2,207
• 18
  $2,120
  State Farm
  $1,942
• 19
  $2,018
  Allstate
  $1,532
• 20
  $1,739
  Allstate
  $1,360
• 21
  $1,476
  GEICO
  $1,124
• 22
  $1,380
  GEICO
  $1,069
• 23
  $1,220
  GEICO
  $895
• 24
  $1,134
  GEICO
  $857
• 25
  $1,017
  GEICO
  $701

Show more

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

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

25 years$1,355
50 years$1,043

25 years$1,284
50 years$1,057

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.

Cheapest Car Insurance in Nebraska by City

Where you live in Nebraska also matters when determining car insurance costs. Rates can change greatly within the state. For example, car insurance in Lincoln costs an average of $822 per year, while Omaha car insurance rates average $999 per year. You can find out more information about car insurance costs in your area by clicking on your city.

Average Insurance Rate by City in Nebraska

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• City
  Annually
  Monthly
• 1.
  Lincoln
  $822
  $69
• 2.
  Omaha
  $999
  $83

A lot of questions about auto insurance in Nebraska are centered on the cost of coverage and how much to purchase. Here are answers to a few of the common FAQs in the state.

Expert Advice on Finding Cheap Car Insurance in Nebraska

To help you find trustworthy and accurate details on car insurance in Nebraska, MoneyGeek gathered expert advice from established professionals. The perspectives and sentiments conveyed 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

Assistant Professor of Finance at Hastings College

READ ANSWERS

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