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The Cheapest Nebraska Car Insurance Rates Are $21/Mo ($247/Yr) for Liability Insurance from Auto-Owners and $111/Mo ($1,332/Yr) for Full Coverage from Nationwide.
Discover if you are overpaying for car insurance below.
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We at the MarketWatch Guides team have reviewed the cheapest car insurance options in Nebraska. We also looked at the best car insurance companies in the Cornhusker State and ranked our top five overall. Below, you’ll find rate estimates for select groups of drivers and details on what auto insurance coverage is required in the state.
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Learn more about our methodology and editorial guidelines.
Auto insurance rates in Nebraska are slightly cheaper than the national average. That means you stand a good chance of finding great car insurance in Nebraska at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.
The cheapest car insurance companies in Nebraska are USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual and Progressive. The overall and cost rating scores for these providers can be found below.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Nebraska.
Each car insurance company calculates premiums differently, which means that no two quotes are the same. For this reason, we recommend comparing car insurance rates from multiple providers if you want to find the cheapest insurance possible in Nebraska.
The coverage level you choose can have a significant impact on your rates. Most quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.
Below are the cheapest auto insurance options in Nebraska for both coverage types.
At $21 per month or $247 per year, Auto-Owners Insurance provides the cheapest Nebraska auto liability insurance. Farmers Mutual of Nebraska and USAA are also affordable options for drivers. Below is the complete list of cheap liability coverage options in Nebraska.
| Cheapest Liability Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Auto-Owners Insurance | $21 | $247 |
| Farmers Mutual of Nebraska | $22 | $258 |
| North Star Mutual | $23 | $271 |
| USAA | $24 | $288 |
| Progressive | $25 | $299 |
| Iowa Farm Bureau | $31 | $372 |
| State Farm | $32 | $381 |
| Shelter Insurance | $35 | $424 |
| Allstate | $55 | $659 |
*All drivers in Nebraska are required to have minimum liability coverage, which is the cheapest car insurance coverage level.
Nationwide offers the cheapest full coverage car insurance in Nebraska, costing $111 per month or $1,332 per year. Farmers Mutual of Nebraska and Auto-Owners Insurance can also be strong options for Nebraska motorists. We highlight the complete list of cheapest full coverage options in for auto insurance in Nebraska below.
| Cheapest Full Coverage Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Nationwide | $111 | $1,332 |
| USAA | $132 | $1,583 |
| Auto-Owners Insurance | $134 | $1,609 |
| Farmers Mutual of Nebraska | $136 | $1,629 |
| Shelter Insurance | $144 | $1,727 |
| Progressive | $165 | $1,978 |
| Iowa Farm Bureau | $170 | $2,036 |
| State Farm | $171 | $2,054 |
| North Star Mutual | $177 | $2,118 |
| Allstate | $221 | $2,646 |
*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.
Several factors affect the cost of car insurance in Nebraska, including age, driving history and credit scores. Below we compare cheap car insurance estimates for Nebraska drivers in these categories.
Young drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Nebraska, along with estimated monthly and annual costs.
While 16-year-olds won’t avoid paying high prices for car insurance in Nebraska, they don’t need to pay over $6,000 per year. Farmers Mutual of Nebraska charges a much more reasonable average yearly price of $3,784.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Farmers Mutual of Nebraska | $315 | $3,784 |
| Auto-Owners Insurance | $368 | $4,410 |
| North Star Mutual | $407 | $4,884 |
| USAA | $453 | $5,434 |
| Shelter Insurance | $499 | $5,991 |
Seventeen-year-olds also get charged high car insurance premiums, but they tend to be slightly cheaper than rates for drivers who are 16. The cheapest car insurance in Nebraska for 17-year-olds also typically comes through Farmers Mutual of Nebraska and costs an average of $2,812 per year.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Farmers Mutual of Nebraska | $234 | $2,812 |
| USAA | $264 | $3,167 |
| Auto-Owners Insurance | $266 | $3,187 |
| North Star Mutual | $267 | $3,205 |
| Iowa Farm Bureau | $296 | $3,546 |
*Costs were taken from 2022 information.
Eighteen-year-old drivers often find the cheapest car insurance in Nebraska from Farmers Mutual of Nebraska. Rates from the provider average around $2,536 per year.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Farmers Mutual of Nebraska | $211 | $2,536 |
| USAA | $232 | $2,788 |
| Auto-Owners Insurance | $243 | $2,919 |
| North Star Mutual | $267 | $3,205 |
| Allstate | $269 | $3,231 |
*Costs were taken from 2022 information.
As drivers gain more experience on the road, their rates start to decrease significantly. This can be seen by the cheapest car insurance rates in Nebraska for 21-year-olds, which come out to an average of $1,668 annually from USAA.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| USAA | $139 | $1,668 |
| Farmers Mutual of Nebraska | $167 | $2,005 |
| Auto-Owners Insurance | $190 | $2,279 |
| Iowa Farm Bureau | $191 | $2,291 |
| Allstate | $193 | $2,311 |
*Costs were taken from 2022 information.
Nationwide is also the top choice for the cheapest car insurance in Nebraska for 25-year-olds. Eligible motorists pay an average of $1,473 per year for full coverage from the provider when they’re 25.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Nationwide | $123 | $1,473 |
| USAA | $156 | $1,877 |
| Farmers Mutual of Nebraska | $167 | $2,002 |
| Auto-Owners Insurance | $171 | $2,050 |
| North Star Mutual | $177 | $2,118 |
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High-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.
Drivers looking for the cheapest car insurance in Nebraska after a speeding ticket should consider Nationwide, which has an average rate of $1,729 per year.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Nationwide | $144 | $1,729 |
| Farmers Mutual of Nebraska | $149 | $1,785 |
| USAA | $165 | $1,974 |
| State Farm | $182 | $2,178 |
| Auto Owners | $189 | $2,272 |
An at-fault accident will raise your rates for car insurance in Nebraska compared to people with clean driving records. Those who cause an accident pay an average of $1,937 per year for full coverage from Auto-Owners.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Auto Owners | $161 | $1,937 |
| Farmers Mutual of Nebraska | $165 | $1,983 |
| Nationwide | $186 | $2,234 |
| USAA | $191 | $2,287 |
| State Farm | $192 | $2,302 |
Car insurance is pricey after a DUI violation in Nebraska, with rates averaging out to $2,178 per year from State Farm, which tends to be the Cornhusker State’s cheapest option.
| Cheapest Car Insurance in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| State Farm | $182 | $2,178 |
| Iowa Farm Bureau | $193 | $2,312 |
| Progressive | $199 | $2,391 |
| Nationwide | $241 | $2,893 |
| Auto Owners | $249 | $2,982 |
Many car insurance providers will offer a ton of discounts for motorists in the Cornhusker state. The table below shows which car insurance discounts the best cheap car insurance companies provide, which we’ll explain in further detail below.
| Nebraska Car Insurance Discounts | USAA | State Farm | Farmer’s Mutual Nebraska | Progressive | North Star Mutual |
|---|---|---|---|---|---|
| Multi-policy | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Multi-vehicle | ✔️ | ✔️ | ✔️ | ✔️ | |
| Safe driver | ✔️ | ✔️ | ✔️ | ||
| Student | ✔️ | ✔️ | ✔️ | ✔️ | |
| Defensive driving | ✔️ | ✔️ | |||
| Driver training | ✔️ | ✔️ | ✔️ | ||
| New vehicle | ✔️ | ✔️ | |||
| Car safety equipment | ✔️ | ✔️ | ✔️ | ||
| Loyalty | ✔️ | ✔️ | |||
| Military | ✔️ |
*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.
Policyholders in Nebraska can take full advantage of car insurance deals and discounts while shopping providers. Even if you have a policy already, you may want to ask your insurance agent if there are any discounts that you can add. Discounts will typically vary based on your drivers profile
Here’s more information on the standard types of discounts offered by the best car insurance companies:
For those who would like to know about the cheapest auto insurance in the Cornhusker State, the sections below contain more detailed information.
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The average cost of full coverage car insurance in Nebraska is $1,871 per year, which comes out to about $156 per month. That’s about 7% less than the national average of $2,008 annually or $167 each month.
Minimum coverage car insurance in Nebraska averages out to $356 per year, or about $30 per month. Drivers once again find some of the nation’s cheapest car insurance in Nebraska, as minimum liability insurance in the Cornhusker State costs about 76% less than the national average, which is $627 per year or $52 per month.
The cheapest car insurance in Nebraska comes at drastically different rates depending on your age. While 30-year-old drivers pay an average of $1,749 per year for full coverage car insurance, coverage for 16-year-olds costs an average of $6,293 annually.
| Age | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| 16 | $524 | $6,293 |
| 17* | $398 | $4,775 |
| 18* | $356 | $4,272 |
| 19* | $271 | $3,249 |
| 21* | $206 | $2,475 |
| 25 | $181 | $2,174 |
| 30* | $146 | $1,749 |
| 35 | $156 | $1,871 |
| 40* | $138 | $1,658 |
| 45 | $147 | $1,769 |
| 50* | $126 | $1,512 |
| 55 | $133 | $1,596 |
| 65* | $119 | $1,430 |
| 75* | $133 | $1,590 |
Rates for the cheapest car insurance in Nebraska vary based on the city you live in. Drivers in Omaha and the western half of the state pay some of the highest prices.
| City in Nebraska | Estimated Monthly Rate | Estimated Annual Rate |
|---|---|---|
| Norfolk | $176 | $2,117 |
| York | $178 | $2,137 |
| Columbus | $181 | $2,167 |
| Hastings | $183 | $2,198 |
| Schuyler | $184 | $2,203 |
| Papillion | $184 | $2,205 |
| Fremont | $185 | $2,225 |
| Lincoln | $186 | $2,228 |
| La Vista | $186 | $2,229 |
| Kearney | $187 | $2,242 |
| Grand Island | $187 | $2,242 |
| Bellevue | $188 | $2,251 |
| Nebraska City | $191 | $2,290 |
| South Sioux City | $192 | $2,306 |
| Seward | $198 | $2,382 |
| Beatrice | $204 | $2,449 |
| Blair | $205 | $2,461 |
| Crete | $208 | $2,493 |
| Omaha | $208 | $2,498 |
| Gering | $209 | $2,508 |
| Scottsbluff | $211 | $2,536 |
| Alliance | $215 | $2,581 |
| Lexington | $216 | $2,589 |
| North Platte | $225 | $2,700 |
| McCook | $246 | $2,956 |
*Average rates above apply to the top three companies in each city.
Auto insurers use multiple factors to determine rates for the cheapest car insurance in Nebraska.
Some of the top factors that can affect your rates for car insurance in Nebraska are listed below:
Nebraska has car insurance standards that every vehicle must meet. Below is an overview of the state’s minimum coverage limits.
Note that drivers must purchase uninsured and underinsured motorist coverage as part of the state’s minimum requirements. Even though Nebraska has slightly more extensive car insurance limits than many other states, its average rates are on the lower end.
It’s recommended that drivers look beyond the cheapest car insurance in Nebraska, as the most basic policies rarely provide adequate protection after an accident. Below are a few optional car insurance coverages that are popular:
If you lease or finance a vehicle, many lenders will require you to carry comprehensive and collision insurance.
An excellent way to save money on Nebraska auto insurance is bundling car coverage with your other policies, such as your homeowners and renters insurance.
It’s easy to compare car insurance quotes from providers as you search for your best coverage options. That’s typically the best way to find the cheapest car insurance in Nebraska, regardless of your coverage or budgetary needs.
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We strongly recommend checking out USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual and Progressive. Each of these providers usually offers affordable coverage and excellent customer service to drivers across the Cornhusker State.
Below are frequently asked questions about the cheapest car insurance in Nebraska.
According to our rate estimates, full coverage car insurance costs an average of $135 per month or $1,622 per year in Nebraska. Minimum coverage auto insurance is $35 a month or $417 per year on average.
Based on our research, USAA provides the cheapest full coverage rates in Nebraska, costing $87 per month and $1,044 per year. Farmers Mutual of Nebraska and Auto-Owners Insurance also have affordable rates for Nebraska motorists.
The minimum auto insurance coverage in Nebraska is $25,000 per person and $50,000 per accident for bodily injury liability insurance and for uninsured motorist coverage. You’ll also need $25,000 per accident in property damage liability coverage.
Yes, it is illegal to not carry car insurance in Nebraska. If you’re caught driving without insurance, you’ll have your license and registration immediately suspended until you provide proof of insurance. You may need to pay reinstatement fees. You also must carry SR-22 insurance for three years to prove financial responsibility to the state.
Auto insurance follows the car in Nebraska, as it does in most states. Your auto insurance will cover damages even if someone else was using your vehicle when they caused a crash.
Nebraska is an at-fault state, which means the driver who caused the accident will be responsible for all damages. At-fault states typically have cheaper car insurance rates than no-fault states, and that’s also true of Nebraska.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.
