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: November 6, 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 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 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 NebraskaFarmers Mutual of Nebraska has the cheapest rates, at an average annual cost of $1,605 or $134 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also stands out for its affordable premiums, with an average cost of $137 per month or $1,638 annually.While these insurance companies have some of the lowest average rates in Nebraska, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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: 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 MinimumNA* Liability coverage$713/year Full Coverage$2,503/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? 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in NebraskaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $31 a month, or about $369 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Nebraska pay around $199 per month, or roughly $2,387 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Nebraska, based on age and gender.Average car insurance cost in Nebraska for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Nebraska pays an average of $5,153 annually for car insurance, compared to $4,457 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,967 per year for male drivers and $2,939 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 annually for full coverage, or around $207 each month. Women in the same age group pay $2,369 per year or $197 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,179 annually, while women pay $2,132.By 70, average rates go up to $2,318 for men and $2,260 for women. At age 75, costs increase further, reaching $2,498 for men and $2,385 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record 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 your first insurance policy or just moved to Nebraska, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Nebraska must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in NebraskaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda CR-V is one of the cheapest cars to insure in Nebraska, with an average premium of $1,991 per year. Honda HR-V has an average annual cost of $2,004.The table below shows the cars with the lowest average insurance 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 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 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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How much used car insurance costs: 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