Average Car Insurance Cost in Nebraska

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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 $2,018 per year or $168 per month. While the national average is $1,682. There is a difference of $336 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.

Summary of average car insurance cost in Nebraska
Average annual cost $2,018	Average per month cost $168	Average cost for state minimum coverage $350 / Year
Cheapest car insurance company Nationwide ($892/ Year)	Average cost for young drivers $2,994 / Year	Average cost for Senior drivers $1,847 / Year

Key Takeaways

The average car insurance cost in Nebraska is $2,018 per year, based on Insure.com’s analysis.
In Nebraska, the average premium for car insurance is $168 per month.
Nationwide has the cheapest car insurance rates in Nebraska, at an average annual rate of $892 a year.

Average car insurance cost in Nebraska per month

In Nebraska, the average premium for car insurance is $168 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 Nationwide. The average annual cost is $892 while the average cost per month is $74. The second-best option available is, USAA, offering insurance at an average per month cost of $102.

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 name	Average per month cost	Average annual cost
Nationwide	$74	$892
USAA	$102	$1,225
Auto-Owners	$105	$1,264
Allstate	$145	$1,739
State Farm	$145	$1,745
Geico	$147	$1,765
Farmers Insurance	$169	$2,029
Progressive	$186	$2,234
Automobile Club MI	$438	$5,257

Read our guide to best car insurance companies

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 $383.

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 $2,018 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 $241.

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 $350 per year in Nebraska.

Coverage limits	Average annual cost
50/100/50 Liability Only	$383
100/300/100 Liability with $500 Comp/Coll Deductible	$2,018
Non-Owner State Minimum Liability Only	$241
State Minimum Liability Only	$350

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:

City	Average annual cost
Omaha	$1,942
Lincoln	$1,642
Bellevue	$1,777
Grand Island	$1,857
Kearney	$1,971
Fremont	$1,785
Hastings	$2,012
Norfolk	$1,769
North Platte	$2,062
Columbus	$1,786

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 city

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 $2,994 while for seniors is $1,847. Here, the rate for young drivers is $1,147 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 $2,802 per year or $233 per month and rate for a male young driver is $3,186 per year or $266 per month.

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

Age of driver	Average annual cost for Male drivers	Average 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 $1,827 per year or $152 per month and cost of car insurance for male senior driver is $1,866 per year or $156 per month.

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

Cheapest cars to insure in Nebraska

Make	Model	Average annual premium
Kia	Seltos EX	$1,582
Toyota	C-HR Limited	$1,590
Hyundai	Venue SE	$1,594
Ford	Transit Connect Titanium	$1,602
Mazda	CX-30 S	$1,604
Mazda	CX-5 S	$1,624
Honda	HR-V EX	$1,635
GMC	Savana G2500	$1,647
Mini	Cooper SE	$1,653
Honda	CR-V EX	$1,654

Most expensive cars to insure in Nebraska

Make	Model	Average annual premium
Maserati	Quattroporte	$7,214
Porsche	718 Boxster Spyder	$6,752
Maserati	Ghibli Modena	$6,118
Maserati	Levante Trofeo	$5,929
Maserati	Ghibli GT	$5,906
Audi	RS E-tron GT	$5,732
BMW	M8 Competition XDrive	$5,554
BMW	M760i xDrive	$5,520
Porsche	Taycan Turbo S	$5,287
Maserati	Ghibli Trofeo	$5,273

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across Nebraska. The rates are based on the profile of a 40-year-old male who drives a Honda Accord LX with a clean record and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage.