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 Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 10, 2025 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’re in Nebraska, your monthly cost for full coverage car insurance is $199, which adds up to $2,387 per year. For minimum coverage, expect to pay an average of $31 monthly, or $369 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 Average car insurance cost in NebraskaDrivers in Nebraska generally pay an average of $199 per month or $2,387 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $31 or $369 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.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: Updated with latest data Nebraska car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2024 Cylinders 4 Make & Model Acura - Integra State Nebraska Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $713/Year OR $59/month Full Coverage $2,503/Year OR $209/month Nebraska Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your 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 - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in NebraskaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $31 per month, or $369 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Nebraska, the average cost for full coverage is $199 per month, or $2,387 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 cityKearneyAverage car insurance cost in Nebraska by cityWhere you live in Nebraska can have a big impact on your car insurance rates.If you’re located in cities like Columbus, Omaha, or Norfolk, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Lincoln and Papillion tend to pay much lower insurance premiums, between $1,927 and $1,991 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 buying insurance for the first time or moving to a new state, understanding the required liability limits in Nebraska can help you avoid fines and make smarter choices about your coverage.Drivers in Nebraska must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in NebraskaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Nebraska at an average cost of $1,991 a year, followed closely by Honda HR-V at $2,004 per year.The table below outlines the vehicles with the lowest insurance costs.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 stands out as the most expensive car to insure in Nebraska, with an average annual cost of $9,081.The table below shows the most expensive vehicles to insure in Nebraska along with their average annual insurance costs.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:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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