If you are looking for auto insurance in Nebraska, knowing how much it will cost is a promising idea. The average premium for car insurance in Nebraska is $1,987 per year or $166 per month. While the national average is $1,682. There is a difference of $305 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Nebraska, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Nebraska per month

In Nebraska, the average premium for car insurance is $166 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Nebraska, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Nebraska is AMCO Ins Co. The average annual cost is $884 while the average cost per month is $74. The second-best option available is, USAA, offering insurance at an average per month cost of $101.

The table below lists the other available car insurance companies which offer car insurance in Nebraska, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
AMCO Ins Co$74$884
USAA$101$1,209
Owners Ins Co$105$1,264
GEICO General Ins Co$135$1,617
Mid-Century Ins Co$141$1,695
Allstate F&C Ins Co$145$1,739
State Farm Mutl Automobile Ins$145$1,745
Progressive Northern Ins Co$187$2,242
Metropolitan Casualty Ins Co$189$2,269
Auto Club Group Ins Co$434$5,204

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Nebraska

The amount of coverage you purchase has an impact on how much car insurance costs in Nebraska. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Nebraska is $387.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Nebraska is $1,987 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Nebraska, the average annual cost for non-owner state minimum liability only is $247.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $354 per year in Nebraska.

Coverage limitsAverage annual cost
50/100/50 Liability Only$387
100/300/100 Liability with $500 Comp/Coll Deductible$1,987
Non-Owner State Minimum Liability Only$247
State Minimum Liability Only$354

Average car insurance cost in Nebraska by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Nebraska:

CityAverage annual cost
Omaha$1,921
Lincoln$1,625
Bellevue$1,757
Grand Island$1,828
Kearney$1,941
Fremont$1,763
Hastings$1,982
Norfolk$1,740
North Platte$2,025
Columbus$1,757

Average car insurance cost in Nebraska by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Nebraska is $3,357 while for seniors is $1,886. Here, the rate for young drivers is $1,471 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Nebraska for young drivers

The average car insurance cost for female young drivers in Nebraska is $3,129 per year or $261 per month and rate for a male young driver is $3,585 per year or $299 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$5,770$4,935
19$4,539$3,828
20$4,069$3,522
21$3,263$2,809
22$3,024$2,664
23$2,854$2,546
24$2,723$2,467
25$2,434$2,263

Average car insurance cost in Nebraska for senior drivers

In Nebraska, the cost of car insurance for senior female driver is $1,862 per year or $155 per month and cost of car insurance for male senior driver is $1,910 per year or $159 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,790$1,755
70$1,910$1,872
75$2,030$1,960

Read more about senior car insurance

Summary of average car insurance cost in Nebraska
Average annual cost
$1,987
Average per month cost
$166
Average cost for state minimum coverage
$354 / Year
Cheapest car insurance company
AMCO Ins Co
($884/ Year)
Average cost for young drivers
$3,357 / Year
Average cost for Senior drivers
$1,886 / Year
Go To Top