Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Nebraska Average car insurance cost in Nebraska The average full coverage car insurance cost in Nebraska is $2,387 annually, or $199 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Nebraska, you can expect to pay an average of around $199 per month for full coverage car insurance, or $2,387 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $31 monthly or $369 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,387 Average per month cost $199 Average cost for state minimum coverage $422 / Year Cheapest car insurance company Farmers Mutual of Nebraska$1,605 / Year Average cost for young drivers $3,758 / Year Average cost for Senior drivers $2,296 / Year 012345 1 of 6 Average car insurance cost in Nebraska If you’re a resident of Nebraska, full coverage car insurance typically costs about $199 per month, adding up to $2,387 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $31, or $369 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in NebraskaIf you’re looking for affordable insurance, Farmers Mutual of Nebraska tops the list of the cheapest car insurance companies. Its average annual cost is $1,605 per year or $134 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also provides affordable insurance rates in Nebraska for a full coverage policy at an average annual insurance cost of $1,638 or $137 monthly.While these companies offer some of the lowest average premiums in Nebraska, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Nebraska Graph Table Company nameAverage per month costAverage annual costFarmers Mutual of Nebraska$134$1,605Auto-Owners$137$1,638Shelter Insurance$196$2,346Progressive$210$2,515Allstate$235$2,824GEICO$238$2,859Iowa Farm Bureau$402$4,829USAA*$150$1,797*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Nebraska car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Nebraska Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Nebraska Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$725/year Liability coverage$914/year Full Coverage$2,739/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in NebraskaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $31 per month or $369 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Nebraska, drivers typically pay $199 per month or $2,387 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$369Liability only$422Full coverage$2,387Non-owner state minimum liability$277Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Nebraska by citySee rates in your cityKearney Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Nebraska by cityCar insurance rates can vary widely depending on where you live, even within Nebraska.Cities like Columbus, Omaha, or Norfolk tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Lincoln or Papillion, with average annual premiums between $1,927 and $1,991.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costLincoln$1,927Papillion$1,991Fremont$2,024Bellevue$2,207Hastings$2,263Kearney$2,270Grand Island$2,272Norfolk$2,312Omaha$2,376Columbus$2,399Powered by:Average car insurance cost in Nebraska by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Nebraska for full coverage, depending on your age and gender.Average car insurance cost in Nebraska for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Nebraska, 20-year-old male drivers pay an average of $5,153 per year for car insurance, while their female counterparts pay $4,457 for the same coverage.However, by age 25, average car insurance costs drop to about $2,967 per year for male drivers and $2,939 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,153$4,45721$4,203$3,48522$3,876$3,37823$3,462$3,10924$3,241$3,009Powered by:Average car insurance cost in Nebraska for adult driversAn adult driver aged 25-60 in Nebraska pays $2,487 per year for full coverage, or $207 each month. Female drivers of the same age pay $2,369 annually or $197 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,967$2,93930$2,708$2,59035$2,607$2,39940$2,502$2,26445$2,453$2,21050$2,287$2,22955$2,213$2,16960$2,181$2,144Powered by:Average car insurance cost in Nebraska for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,179 per year, and women pay $2,132.By age 70, those averages increase to $2,318 for men and $2,260 for women. At 75, premiums rise again, reaching $2,498 for male drivers and $2,385 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,179$2,13270$2,318$2,26075$2,498$2,385Powered by:Minimum car insurance requirements in NebraskaWhether you’re purchasing a policy for the first time or relocating to Nebraska, it’s important to understand the state’s liability coverage requirements.Drivers in Nebraska must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in NebraskaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $1,991 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $2,004.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumHonda CR-V$1,991Honda HR-V$2,004Hyundai Venue$2,025Volkswagen Tiguan$2,055Chevrolet Express$2,067Hyundai Kona$2,071Kia Sportage$2,093Mini Cooper Electric$2,099Hyundai Tucson$2,107Chevrolet TrailBlazer$2,114Powered by:Most expensive cars to insure in NebraskaMaserati Quattroporte is one of the most expensive vehicles to insure in Nebraska, with an average annual cost of $9,081.Below is a list of the costliest vehicles to insure in Nebraska and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,081Mercedes-AMG EQS$8,015Maserati Ghibli$7,945BMW M8 Gran Coupe$7,345Audi RS7$7,041Audi S8$6,838Mercedes-AMG G63$6,739BMW M8$6,640Audi RS Q8$6,583Audi RS6$6,557Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in NebraskaCheapest car insurance companies in NebraskaAverage cost of car insurance by coverage levels in NebraskaAverage car insurance cost in Nebraska by cityAverage car insurance cost in Nebraska by ageMinimum car insurance requirements in NebraskaCheapest cars to insure in NebraskaMost expensive cars to insure in NebraskaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330