Best & Cheapest Auto Insurance Quotes in Nebraska (2024)
State Farm has the best cheap full coverage car insurance in Nebraska, at $105 per month.
Find Cheap Car Insurance Quotes in Nebraska
Best cheap car insurance companies in Nebraska
How we chose the top companies
Best and cheapest car insurance in Nebraska
- Cheapest full coverage: State Farm, $105/mo
- Cheapest minimum liability: Farmers, $25/mo
- Cheapest for young drivers: Farmers, $60/mo
- Cheapest after a ticket:, State Farm $113/mo
- Cheapest after an accident: State Farm, $120/mo
- Cheapest for teens after a ticket: Farmers, $66/mo
- Cheapest after a DUI: American Family, $142/mo
- Cheapest for poor credit: Farmers, $180/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Geico and Nationwide all offer a good mix of cheap rates and reliable customer service in Nebraska. Farmers and Progressive also have affordable rates, but both companies have poor customer service reviews.
All of the cheapest companies in Nebraska offer online quotes, which makes it easy to quickly compare rates and find the cheapest policy for you.
Cheapest car insurance in Nebraska: State Farm
State Farm is the cheapest company in Nebraska for a full coverage policy, at $105 per month.
That's 34% cheaper than the Nebraska state average. It's also $20 per month less than the second-cheapest companies, Farmers and Progressive.
The average cost of car insurance in Nebraska is $159 per month for full coverage.
Find Cheap Car Insurance Quotes in Nebraska
Nebraska drivers with military ties can find even cheaper quotes at USAA. A full coverage policy from USAA costs just $99 per month.
However, only military members, veterans and some of their family members can get car insurance from USAA.
Best cheap car insurance quotes in Nebraska for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $105 |
| Farmers | $125 |
| Progressive | $125 |
| American Family | $142 |
| Geico | $148 |
*USAA is only available to current and former military members and their families.
Cheapest liability quotes in Nebraska: Farmers
Farmers is the cheapest car insurance company in Nebraska for a minimum liability policy.
At $25 per month, Farmers is 36% cheaper than average in Nebraska.
Nebraska drivers should also consider Farm Bureau and State Farm. Both companies offer affordable minimum coverage rates, and they have better customer service reviews than Farmers. If you're in a crash, you'll be happy you spent a few extra dollars each month for a company with great service.
Cheap Nebraska auto liability insurance quotes
Company | Monthly rate |
|---|---|
| Farmers | $25 |
| Progressive | $29 |
| Farm Bureau | $30 |
| State Farm | $32 |
| Geico | $32 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nebraska
Cheapest car insurance in NE for teens: Farmers
Farmers has the most affordable quotes for young drivers in Nebraska.
A minimum liability policy from Farmers costs $60 per month for an 18-year-old driver. That's half as much as most 18-year-olds in Nebraska pay for coverage. It's also $31 per month less than the second-cheapest option, Geico.
Farmers also has the cheapest full coverage quotes for Nebraska teens. At $245 per month, full coverage from Farmers costs 40% less than the Nebraska average. It also costs $48 per month less than the second-best company, State Farm.
Cheap Nebraska auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farmers | $60 | $245 |
| Geico | $91 | $363 |
| Farm Bureau | $104 | $668 |
| State Farm | $105 | $293 |
| American Family | $119 | $331 |
Young drivers in the military or in a military family can also get cheap coverage with USAA. Minimum coverage from USAA costs $64 per month, while full coverage costs $222 per month.
The average 18-year-old driver in Nebraska pays three times more for full coverage insurance than older drivers do. That's because teens have less experience behind the wheel, so they're more likely to make a mistake and cause a crash.
The cheapest way for young drivers in Nebraska to get insurance is by sharing a policy with their parents. A shared policy is typically 62% cheaper than having two separate car insurance policies.
Cheapest auto insurance in NE after a speeding ticket: State Farm
State Farm has the best cheap insurance in Nebraska for drivers with a speeding ticket. A full coverage policy from State Farm costs $113 per month after one speeding ticket. That's 39% cheaper than the Nebraska average, which is $184 per month.
Company | Monthly rate |
|---|---|
| State Farm | $113 |
| Farmers | $137 |
| American Family | $142 |
| Progressive | $160 |
| Geico | $182 |
Drivers in Nebraska can expect their rates to increase by around 15% after a single speeding ticket. That's an average increase of $25 per month for full coverage.
Best quotes after an accident: State Farm
State Farm offers the cheapest rates in Nebraska after an at-fault accident, with an average of $120 per month for full coverage. That's half as much as most Nebraska drivers pay for insurance after causing a crash.
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Farmers | $152 |
| American Family | $168 |
| Progressive | $208 |
| Nationwide | $253 |
Nebraska auto insurance rates increase by an average of 50% after one at-fault accident.
However, not all companies raise rates by the same amount after you cause a crash. Rates at State Farm only go up by 14% after your first accident, while Geico's rates nearly double. That's why it's important for Nebraska drivers to shop around to find the best rates after a crash.
However, don't rush to switch companies. Your current company usually won't increase your rates until your policy renews. So you should wait until it's about to expire before switching.
Cheapest for teens with a ticket or accident: Farmers
Farmers minimum coverage insurance costs less than half the Nebraska average for teens with a speeding ticket or accident on their record.
Minimum coverage from Farmers costs $66 per month for an 18-year-old with one speeding ticket. That's $50 per month less than the second-cheapest option, State Farm.
Farmers charges just $74 per month for minimum coverage after an accident, which is $54 per month cheaper than State Farm.
Best companies for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farmers | $66 | $74 |
| State Farm | $116 | $128 |
| Farm Bureau | $118 | $164 |
| American Family | $119 | $145 |
| Geico | $124 | $153 |
Nebraska teens can expect their car insurance rates to go up by 11% after a speeding ticket and 28% after an accident. That's because insurance companies see them as high-risk drivers who are more likely to cause an accident in the future.
Cheapest car insurance in Nebraska after a DUI: American Family
American Family has the cheapest full coverage rates for Nebraska drivers with a DUI. At $142 per month, American Family is less than half as expensive as the Nebraska average.
Company | Monthly rate |
|---|---|
| American Family | $142 |
| Progressive | $150 |
| Farmers | $248 |
| Allstate | $256 |
| Nationwide | $324 |
Car insurance companies in Nebraska raise full coverage rates by around 89% after a DUI. That's an average increase of $141 per month.
In addition, drivers with a DUI may need to get SR-22 insurance in Nebraska. An SR-22 filing typically costs between $15 and $50.
Best quotes in NE for drivers with poor credit: Farmers
Farmers offers the most affordable rates for Nebraska drivers with poor credit. At $180 per month for full coverage, its rate is 43% cheaper than average.
Company | Monthly rate |
|---|---|
| Farmers | $180 |
| Geico | $201 |
| Progressive | $205 |
| Nationwide | $224 |
| American Family | $242 |
Drivers with poor credit in Nebraska pay nearly twice as much for full coverage as drivers with good credit.
Your credit score doesn't have anything to do with your ability to drive safely. But credit scores have a big impact on auto insurance rates in Nebraska. That's because car insurance companies believe drivers with bad credit are more likely to make a claim in the future.
Best car insurance in Nebraska
USAA has the best auto insurance in Nebraska, based on its exceptional customer service and cheap rates.
However, only military members, veterans and their families can get auto insurance from USAA.
State Farm is a great choice for Nebraska drivers who don't qualify for USAA. It has reliable customer service and some of the most affordable rates in the state.
Best Nebraska auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
Average car insurance cost in Nebraska by city
Lincoln, the second-largest city in Nebraska, has the cheapest car insurance in the state, at $145 per month for full coverage.
Palisade, a small city in southwest Nebraska, has the most expensive full coverage quotes, averaging $184 per month.
Full coverage Nebraska car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abie | $152 | -4% |
| Albion | $157 | -1% |
| Alda | $150 | -6% |
| Alexandria | $152 | -4% |
| Allen | $151 | -5% |
Full coverage quotes in Nebraska vary by up to $39 per month, depending on where you live. Car insurance typically costs more if you live in an area with a higher rate of car accidents and auto theft.
Nebraska state minimum auto insurance requirements
In Nebraska, you need a car insurance policy with bodily injury liability coverage, uninsured motorist protection and property damage coverage. Nebraska's minimum liability limits are sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for NE drivers?
A minimum liability car insurance policy in Nebraska will have the cheapest rates, but the limits may not be high enough to cover the cost of a serious accident.
For example, minimum coverage will only pay $25,000 to replace another driver's car if you cause a crash. That may not be enough if it's an expensive or brand new car.
Minimum coverage will also leave you without protection for any damage to your car if you cause a crash. For those reasons, most drivers in Nebraska should consider getting full coverage car insurance instead.
Full coverage auto insurance in Nebraska costs $120 per month more than a minimum liability policy.
That's partially because full coverage includes more liability protection than the state minimum. The extra liability protection can help you avoid a big bill if you cause a major accident.
Full coverage also includes comprehensive and collision coverage. Collision and comprehensive insurance pay for damage to your own car.
Lenders typically require you to buy full coverage if you have a car loan or lease. Full coverage is also usually worth it if your car is worth more than $5,000 or is newer than 8 years old.
Frequently asked questions
How much does it cost to insure a car in Nebraska?
The average cost of full coverage car insurance in Nebraska is $159 per month. Minimum coverage costs an average of $39 per month.
What is the cheapest car insurance in Nebraska?
Farmers has the cheapest quotes in Nebraska for minimum coverage, charging $25 per month. State Farm has the best rates in Nebraska for full coverage, with an average of $105 per month.
Is car insurance cheaper in Nebraska?
Full coverage car insurance in Nebraska is $6 per month cheaper than the national average, which is $165 per month. Minimum coverage rates in Nebraska are $25 per month less than average. That makes it the 6th cheapest state for minimum coverage.
What car insurance is required in Nebraska?
In Nebraska, you need at least $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with matching uninsured motorist limits. Nebraska drivers also need $25,000 of property damage coverage.
How much is car insurance in Lincoln, NE?
Full coverage car insurance in Lincoln costs $145 per month, which is 9% cheaper than the Nebraska state average. In comparison, car insurance in Omaha, the largest city in Nebraska, costs $165 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Nebraska for the largest auto insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage, as well as more liability coverage than the state requires.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.