Average Car Insurance Cost in Nebraska (2025)
Drivers in Nebraska pay an average of $111 per month for car insurance.
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Nebraska residents pay an average monthly rate of $75 for liability-only insurance and $146 for full coverage. That’s less expensive than U.S. national averages, possibly due to the Cornhusker State’s low accident rate.1
Although car insurance rates in Nebraska have increased over the past two years, you can still find affordable coverage. Let’s look at factors influencing your premiums in Nebraska and how you can save money on your auto insurance.
How much is car insurance in Nebraska?
On average, drivers in Nebraska pay $75 per month for liability-only coverage and $146 per month for full-coverage insurance. But how much you pay for auto insurance depends on several factors, including your ZIP code, age, gender, driving record, and credit history.
Comparing quotes from different insurers is a good way to ensure you get the best coverage at the cheapest price. If you use an insurance comparison site, you can get multiple quotes simultaneously.
Average Nebraska car insurance rates by city
Car insurance premiums in Nebraska fluctuate by location due to differences in weather, traffic, and crime rates. Drivers in Omaha — Nebraska’s largest city — pay an average of $95 per month for liability-only insurance and $173 for full-coverage. But drivers in Norfolk — which has a fraction of the population of Omaha — pay an average of $68 per month for liability-only policies and $138 per month for full coverage.
The table below shows average monthly car insurance rates in different Nebraska cities, according to Insurify data.
Average Nebraska car insurance rates by age and gender
Car insurance coverage in Nebraska varies by age and gender, too. Because teens and young adults have less experience on the road, they usually pay higher car insurance rates. But premiums typically decrease around age 25 as drivers become more confident behind the wheel.
Young males typically spend more on auto insurance because research shows they’re at a higher risk for car accidents.2 Premiums decrease as drivers age until age 70. Rates usually increase for senior drivers to account for factors hindering driving ability, like poor vision and slower reflexes.
The table below lists the average car insurance costs by age and gender in Nebraska, according to Insurify data.
Average cost to insure popular vehicles in Nebraska
The most popular vehicles in the Cornhusker State include the Chevrolet Silverado, Ford F-Series, Ram 1500, GMC Sierra, and Jeep Grand Cherokee. While the Silverado, F-Series, Ram, and Sierra trucks are durable options for Nebraska’s rural towns, the Jeep Grand Cherokee is a solid pick for a fuel-efficient, versatile SUV.
How your driving record affects car insurance rates in Nebraska
Car insurance companies use your driving record to determine how likely you are to file a claim. If you have a clean record, you’ll likely pay less for coverage than a driver with a history of traffic violations. Speeding tickets, at-fault accidents, and DUIs can significantly increase how much you pay for auto insurance.
The table below lists auto insurance costs for Nebraska drivers with incidents on their records, according to data from Insurify.
How to lower your insurance costs in Nebraska
No matter your age, credit history, or where you live, you can always try to save money on your car insurance. These tips can help you reduce how much you spend on your auto insurance coverage in the Cornhusker State: