The best, cheapest car insurance in Nebraska

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Best car insurance company in Nebraska

Drivers in Nebraska pay an average of $1,902 a year or $159 a month for car insurance coverage which makes it the 24^th most expensive state in the country.

Even though car insurance is pretty expensive in Nebraska, it’s possible to find affordable coverage with top insurers such as Auto-Owners, Nationwide, Shelter Insurance, and other insurers.

Auto-Owners is our choice for the best car insurance in Nebraska. It finished first in our rankings with 4.64 out of 5 stars and an average premium of $1,193 a year, or $99 a month, which is $709 less than the state average.

Shelter Insurance was second with a score of 4.52 stars followed by Nationwide with 4 stars.

The best car insurance companies in Nebraska

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Cheapest car insurance in Nebraska

Auto-Owners has the cheapest average rate in the state at $1,193 a year.

While Auto-Owners is the cheapest for many drivers, the perfect insurer for you may be a different company.

Insurers consider a wide variety of factors when setting a premium including your driving record, credit score, age, marital status as well the vehicle. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Florida, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

Insurance companies crunch all this data with proprietary algorithms, which can result in dramatic differences in premium quotes.

The data clearly shows the range of premiums for similar drivers.

In Nebraska, as mentioned earlier, the cheapest policy is Auto-Owners with an average rate of $1,193 a year. Nationwide follows with an average premium of $1,216 a year or $101 a month and Shelter Insurance with premiums of $1,647 a year or $137 a month.

Allstate is the most expensive insurer with an average premium of $2,621.

Make sure you’re taking advantage of all the discounts you qualify for to ensure you’re getting the best possible rate. Ask your agent to review your policy for any available savings you might be missing.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Nebraska

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.

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Full coverage car insurance in Nebraska

As noted, the rates above are for full coverage car insurance. Residents of Nebraska will often be advised to get full coverage, which includes both liability protection as well as collision and comprehensive. Liability helps pay medical and legal bills for injuries or damages you are responsible for after an accident. However, liability doesn’t cover damage to your vehicle or your injuries.

Collision will pay to repair your vehicle if it is damaged after colliding with another vehicle or object. Comprehensive covers perils such as fire, theft, flooding, vandalism and more.

You can find out more about liability, collision, and comprehensive coverage here.

Shopping for car insurance in Nebraska

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. “However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – I am going to recommend and quote at least 50/100/100. Depending on their age/income and profession, I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Nebraska by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Nebraska, Auto-Owners is the most affordable coverage with an average rate of $1,193 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Nebraska

Seniors in the state pay more for coverage than all other driver groups, except for teens. Nationwide is the most affordable option for seniors with a yearly premium of $1,040 or $87 a month. Auto-Owners was the second cheapest at $1,178 and Shelter Insurance rounded out the top three at $1,530.

Seniors tend to pay more for coverage due to age. Many seniors suffer from vision and hearing issues as well as slowing reflexes. In addition, medications they may take can impact their driving. All of these factors combined lead to more accidents and claims which will result in a higher premium.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Nebraska

Car insurance for young drivers in Nebraska

While young adults pay less than teen drivers, they still pay more than older more experienced drivers. The best choice for young adults (early 20s) in Nebraska is Nationwide with an annual rate of $1,972 or $164 a month.

Auto-Owners had the second cheapest premium at $2,031 a year followed by Progressive was third at $3,051.

If young drivers keep their driving record clean, their rates will drop down as they move out of their 20s.

The table below shows the best insurers for young drivers in Nebraska:

Average rates for young drivers in Nebraska

Car insurance for teen drivers in Nebraska

Insuring a teen is always expensive; statistics show that inexperienced teen drivers get into more accidents and file more claims than more experienced drivers. In Nebraska, the best insurer for teen drivers is Auto-Owners with an annual premium of $3,296 or $275 a month. Nationwide was second most affordable at $3,918 a year or $327 monthly while Shelter Insurance was number three at $5,152.

While teens are expensive to insure, there are a few ways to save some money. Most insurers offer a good student discount so if your teen is carrying a B average or above you should ask for a discount. Putting them in an older vehicle will also lower your insurance costs.

The chart below shows average premiums for teens.

Average rates for teens in Nebraska

Average cost of car insurance in Nebraska

In Nebraska, the average premium is $1,902, which makes Nebraska the 24^th most expensive state for coverage.

All states have large metropolitan areas, which will always push up the cost of insurance as more vehicles on the road lead to more accidents and claims. A high crime rate will also impact rates.

“If a state has a higher rate of car insurance claims associated with vandalism or car theft, prices are usually higher because car insurance companies view insuring these cars as a higher risk for them,” says Chong Gao, director of product management R&D at Mercury Insurance.

The chart below is the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Nebraska

Which Nebraska ZIP codes are most expensive for car insurance?

Where your vehicle spends its days and nights will impact your rate. Frequent severe weather or a high crime rate will raise the cost of insurance for everyone in the area.

Our data shows that Hayes Center is the most expensive area for coverage with an average premium of $2,273 a year.

Here are the most expensive ZIP codes in Nebraska for car insurance:

Most expensive ZIP codes in Nebraska

Which Nebraska ZIP codes are the cheapest for car insurance?

When it comes to cheap car insurance in Nebraska, these ZIP codes have the most affordable coverage. The area around Lincoln has the lowest premiums in Nebraska with an average premium of $1,668.

Least expensive ZIP codes in Nebraska

Cheapest car insurance for high-risk drivers in Nebraska

Drivers with a speeding ticket, DUI or at-fault accident on their record are often considered high-risk drivers and end up paying more for coverage. The increase can range from reasonable for a speeding ticket to a big leap in costs for a DUI.

The data showed that a speeding ticket will result in a 29% increase, pushing the average rate to $2,380. Speeding tickets will typically impact your premium for at least three years.

An at-fault accident will raise your rates by 54% to an average of $2,842. A DUI will result in the biggest increase, sending your premium up 137% to an average of $4,374.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Nebraska after a traffic incident

Minimum car insurance requirements in Nebraska

Most states require all drivers to carry a minimum amount of liability coverage to drive legally. Nebraska requires drivers to carry 25/50/25 in liability coverage, which translates into:

• $25k for bodily injury and $50,000 for death for a person involved in an accident
• $50k for bodily injury and $100,000 for death for two or more people in an accident
• $25k for property damage for a single accident

These required minimums are fairly average when compared to other states. However, these minimums are rarely enough coverage if you are involved in a serious accident. Once your coverage levels are exceeded, you will be on the hook for any remaining damage.

Experts typically recommend carrying 100/300/50 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Nebraska.”

Mark Vallet

Contributing Researcher

 

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Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

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