Cheapest Auto Insurance in Nebraska (2025)
Nebraska drivers can find the cheapest car insurance from Auto-Owners, with liability rates as low as $42 per month.
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The average cost of car insurance in Nebraska is $75 per month for liability-only coverage and $146 for full coverage, which is near the nationwide averages of $104 and $184.
Nebraska is an agricultural state that has severe weather hazards, like tornadoes and blizzards. This may increase the frequency of car accidents and raise average insurance rates.
Here’s what you should know about finding cheap car insurance in the Cornhusker State.
3 of the cheapest car insurance companies in Nebraska
Dozens of auto insurers offer policies to Nebraska drivers, including Travelers, Clearcover, and Midvale Home & Auto. But the best auto insurance company for you will be the one that caters to your unique needs.
Travelers
Clearcover
Midvale Home & Auto
How to get the cheapest car insurance in Nebraska
Even if you don’t qualify for a policy from the cheapest car insurance companies, you can still get affordable car insurance. Consider these tips for getting the cheapest car insurance in Nebraska:
Ask about discounts. Contact an insurance agent and ask which money-saving discounts you might be eligible for. Common discounts include multi-vehicle, good student, and bundling (auto with home or renters coverage). You may qualify for discounts by belonging to specific professional associations, taking a defensive driving course, or having a vehicle with certain safety features.
Increase your deductible. You may be able to get lower rates if you raise your collision or comprehensive deductible. Just be sure you can afford the up-front cost if you file a claim.
Bundle policies and coverage. Whether you have multiple vehicles or another insurance product, like life insurance, homeowners insurance, or agricultural insurance, you may receive discounts for an insurance bundle.
Increase or maintain your credit. Nebraska car insurance companies can use your credit history when underwriting your auto insurance policy.2 Increasing your score or maintaining good credit will help you get the best rate.
Cheapest liability-only car insurance quotes in Nebraska: Auto-Owners
Liability-only car insurance is a minimum-coverage policy that meets the specific insurance requirements in Nebraska.
Though it may change from state to state, minimum insurance usually includes bodily injury coverage, property damage coverage, and uninsured motorist coverage. Bodily injury and property damage coverage pay for medical expenses and damages you cause, not those you sustain.
Nebraska drivers pay an average of $75 per month for liability-only auto insurance. Here are the cheapest liability-only insurance companies in Nebraska to start your search for affordable coverage.
Cheapest full-coverage car insurance quotes in Nebraska: Auto-Owners
Full-coverage car insurance goes beyond offering liability-only coverage to provide protection for the policyholder’s injuries and property damages. A full-coverage policy usually includes comprehensive and collision coverages. Comprehensive can help pay for damage from non-collision events, like severe weather.
An average of 52 tornadoes strike Nebraska each year; comprehensive insurance under a full-coverage policy typically covers the wind, rain, and impact damage these tornadoes cause to vehicles.3
Nebraska drivers pay an average of $146 per month for full-coverage auto insurance. Here are the cheapest Nebraska car insurance companies for full coverage.
Car insurance requirements in Nebraska
Nebraska requires all drivers to maintain proof of financial responsibility through an auto insurance policy with the following minimum coverage levels:5
Bodily injury coverage and property damage coverage are mandatory, though not the only coverages available. These additional coverage options provide more protection for you, your passengers, and your vehicle:
Cheapest car insurance in Nebraska by driving record
Multiple factors influence auto insurance rates. But if you want to receive the most competitive prices, try to keep your driving record free of incidents. Even safe drivers can make costly mistakes, such as getting a DUI, being in an at-fault accident, receiving a speeding ticket, or getting another moving violation.
For example, Nebraska drivers with a clean record pay $75 per month for a liability policy, while drivers with a DUI pay an average of $94 per month. Insurers raise rates for drivers with incidents to account for the increased risk they’ll file a claim.
See how monthly liability rates can change for Nebraska drivers based on different moving violations.