Cheapest Auto Insurance in Nebraska (2025)
Nebraska drivers can find the cheapest car insurance from Auto-Owners, with liability rates as low as $43 per month.
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The average cost of car insurance in Nebraska is $70 per month for liability-only coverage and $132 for full coverage, which is near the nationwide averages of $100 and $177.
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.
Quick Facts
Auto-Owners, National General, and American Family have the cheapest car insurance in Nebraska.
About 5% of all licensed drivers in Nebraska are 19 years old and younger.[?]
Nebraska drivers pay a yearly average of $1,590 for full-coverage policies.
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.[?] Increasing your score or maintaining good credit will help you get the best rate.
Find Cheap Car Insurance in Nebraska
Liability rates start at $43 per month
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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 $70 per month for liability-only auto insurance. Here are the cheapest liability-only insurance companies in Nebraska to start your search for affordable coverage.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $43 |
| National General | $56 |
| American Family | $59 |
| Root | $66 |
| USAA | $66 |
| GEICO | $68 |
| Allstate | $72 |
| Safeco | $72 |
| State Farm | $74 |
| AssuranceAmerica | $78 |
| The General | $83 |
| Bristol West | $89 |
| Nationwide | $99 |
| Dairyland | $102 |
| Liberty Mutual | $111 |
| Farmers | $122 |
| Shelter | $125 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
Nebraska drivers pay an average of $132 per month for full-coverage auto insurance. Here are the cheapest Nebraska car insurance companies for full coverage.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $74 |
| American Family | $104 |
| National General | $114 |
| USAA | $114 |
| GEICO | $119 |
| Allstate | $125 |
| State Farm | $129 |
| Root | $136 |
| Safeco | $141 |
| AssuranceAmerica | $159 |
| Nationwide | $173 |
| The General | $183 |
| Liberty Mutual | $186 |
| Bristol West | $204 |
| Farmers | $213 |
| Shelter | $218 |
| Dairyland | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Motor vehicle crashes are the leading cause of unintentional injury-related death for Nebraskans 15 to 19 years old, which is why teen car insurance rates are higher than other age groups’ rates.[?]
While drivers start paying lower rates around age 35, senior drivers will probably see their car insurance rates increase slightly around age 70. Insurance industry data shows senior drivers have an increased risk of accidents due to age-related changes in vision, reflexes, and cognitive abilities.
See how much various age groups in Nebraska pay for liability-only and full-coverage insurance in the table below.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $143 $270 Adult drivers $75 $142 Senior drivers $56 $106 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident |
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 $70 per month for a liability policy, while drivers with a DUI pay an average of $92 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| Auto-Owners | $56 | $56 | $60 |
| National General | $70 | $74 | $78 |
| American Family | $76 | $78 | $82 |
| USAA | $85 | $88 | $92 |
| Root | $88 | $87 | $91 |
| GEICO | $89 | $87 | $92 |
| AssuranceAmerica | $93 | $104 | $109 |
| Allstate | $93 | $95 | $100 |
| State Farm | $94 | $97 | $103 |
| Safeco | $95 | $101 | $107 |
| The General | $111 | $115 | $116 |
| Bristol West | $112 | $117 | $124 |
| Nationwide | $128 | $132 | $138 |
| Dairyland | $128 | $135 | $142 |
| Liberty Mutual | $141 | $148 | $155 |
| Farmers | $156 | $162 | $170 |
| Shelter | $166 | $166 | $172 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Nebraska
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Where you live in Nebraska can affect your car insurance rates. The table below shows liability and full-coverage rates in several Nebraska cities.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageColumbus $62 $130 Grand Island $62 $132 Norfolk $62 $132 Fremont $67 $132 Lincoln $76 $128 Bellevue $83 $149 Omaha $90 $158 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Nebraska car insurance FAQs
Understanding how your rates can increase after an accident may help you keep a clean driving record and insurance premiums low. Here’s some additional information that may help as you’re researching your insurance coverage options in Nebraska.
The average cost of car insurance in Nebraska is $70 per month for liability-only insurance and $132 per month for full coverage. By comparison, the national averages are $100 and $177, respectively.
Some of the best car insurance companies in Nebraska include Travelers, Clearcover, and Midvale Home & Auto. These insurers have comparatively low average rates, plenty of discounts, and solid Insurify Quality (IQ) Scores. The best auto insurer for you will depend on your specific needs. Make sure you compare quotes from at least three different companies to find the best rate for the coverage you need.
Auto-Owners is the cheapest insurer in Nebraska, with liability-only policies starting at $43 per month.
Nebraska drivers can also find affordable coverage through the state’s second- and third-cheapest insurers, National General and American Family. Their liability-only rates start at $56 and $59, respectively.
Yes. It’s illegal to drive without insurance in Nebraska. If you fail to show proof of coverage, Nebraska may revoke your license, which you can only reinstate after paying a $50 fee and filing SR-22 insurance with the state.[?]
Insurance typically follows the car in Nebraska, as the state’s motor vehicle department requires all vehicles to have insurance coverage.
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