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Get Cheap Car Insurance in Nebraska

We monitor insurance prices, helping the average driver in Nebraska save up to 39.3% on car insurance.

 

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The Cheapest Minimum Coverage in Nebraska

The chart below shows the cheapest car insurance company in Nebraska for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.

 
Nebraska Insurer Monthly Cost
Farm Bureau $33
American Family Insurance $39
State Farm $39
Progressive $47

Savings for Every Kind of Nebraska Driver

The table shows how much the average auto insurance customer in Nebraska might save by following our recommendations.

Based on our extensive insurance data, we know the average Nebraska driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $533 per year by choosing the right vehicle insurance company. Some Nebraska residents are paying out over $1,357 extra every year for auto insurance in Nebraska. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Nebraska Savings / Yr.
Drivers with good records
$533
Drivers with accidents
$401
Drivers with speeding tickets
$376
Drivers with a DUI conviction
$292
Young drivers
$1,288
Married drivers
$154
Drivers with bad credit
$712

Nebraska Car Insurance vs. the United States

People living in Nebraska pay an average of 4.83% less than the typical driver in the nation. The average driver in Nebraska can expect to pay about $557 per year, or $1,357 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Nebraska for most people.

Car Insurance Prices by Nebraska Neighborhood

Nebraska map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Nebraska?

The map shows insurance prices in and around Nebraska, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $557 per year within the state boundaries, with insurance premiums ranging from a high of $1,870 to a low of $1,313. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Nebraska.

Pick the Best Car Insurance Company for You in Nebraska

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Nebraska insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Nebraska

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $533 over the average Nebraska car insurance company.

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We use the average good driver, paying $69 per month, as our baseline for pricing in Nebraska. Nationwide, Safeco Insurance, and Farmers Mutual of Nebraska are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Nebraska drivers with accidents on their records

In Nebraska getting into an accident will raise premiums an average 26% for a yearly cost of $1,845. That's $488 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Farmers Mutual of Nebraska, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $401 over the competition.

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The best car insurance company for Nebraska drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $376 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Nebraska, tickets raise premiums on new quotes about $265. If you have a speeding ticket, we recommend State Farm, Geico, and Farmers Mutual of Nebraska for savings that beat the average insurance cost of $1,622 per year.

The best auto insurance for Nebraska drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,960 per year in auto insurance premiums, which was $603 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from American Family Insurance may cost the average person with a DUI about $292 less each year.

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The least expensive car insurance company for new and young drivers in Nebraska

In Nebraska, Farmers Mutual of Nebraska costs young drivers $1,288 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Nebraska. With an average cost of $3,948 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farmers Mutual of Nebraska, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Nebraska

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $106. Progressive, Nationwide, and Farm Bureau provided the largest discounts to couples living in Nebraska.

Nationwide gave the largest car insurance discounts to married couples, averaging $154 saved each year compared to an average Nebraska couple's premiums.

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The cheapest car insurance in Nebraska for drivers with bad credit

People with poor credit saved an average of $712 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,074 every year. Premiums for people with poor credit were about $2,431 in Nebraska. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farmers Mutual of Nebraska.

The best Nebraska car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Nebraska, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Nebraska.

Nationwide was the best company for customer service in Nebraska according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Nebraska, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Nebraska. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Nebraska

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Nebraska residents who are renting, and don't plan to be in the state or nation for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Nationwide tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Nebraska driver can expect to pay about $98 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Nebraska, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.
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Auto Insurance Prices in and Around Nebraska

What Influences the Cost of Car Insurance in Nebraska?

On average, car insurance in Nebraska is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:

  • The average commute time in Nebraska is 24 minutes, which is far less than average for a driver in the nation.
  • Nebraska state insurance regulations may allow for lower prices.
  • An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Nebraska are among the highest in the nation, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Nebraska is one of the most densely populated areas in the nation. The state’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Nebraska is $46 per month for minimum coverage and $113 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby States

States with Similar Populations

* Who is the average Nebraska driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Nebraska with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.