Home Car insurance Car insurance rates by state Low-cost car insurance in Nebraska Low-cost car insurance in Nebraska Based on our analysis, Auto-Owners has the most affordable car insurance rates in Nebraska. 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 23, 2025 Why you can trust Insure.com Quality Verified 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. Auto-Owners provides the lowest car insurance rates in Nebraska at $1,193 a year. The average premium is $159 per month in Nebraska, though your actual rate may vary. Car insurance requirements differ by state. In Nebraska, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways Auto-Owners offers the lowest car insurance rates in Nebraska, at $1,193 per year, which is about 37% the state average.Auto-Owners has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,802.The ZIP code 68516 has the low-cost car insurance rates in Nebraska, at an average annual rate of $1,639. Low-cost car insurance companies in NebraskaAuto-Owners offers the lowest car insurance rates in Nebraska, with an average annual premium of $1,193 per year. It’s 37% less expensive than the average car insurance cost in Nebraska. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates from low-cost car insurance companies..CompanyAverage annual ratesAuto-Owners$1,193Nationwide$1,216Shelter Insurance$1,647Farmers Mutual of Nebraska$1,910Progressive$1,964State Farm$2,344GEICO$2,372Iowa Farm Bureau$2,430Allstate$2,621USAA*$1,328*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Nebraska 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in NebraskaDrivers in the 68516 ZIP code pay the lowest average annual premium in Nebraska, at $1,639. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates68516Lincoln$1,63968505Lincoln$1,64268512Lincoln$1,64668521Lincoln$1,64868522Lincoln$1,64868520Lincoln$1,65368508Lincoln$1,65568524Lincoln$1,66368506Lincoln$1,66368526Lincoln$1,664Powered by: You might find interesting Average car insurance cost in NebraskaCar insurance calculator for teens in NebraskaCheapest SR-22 insurance in NebraskaDo you need insurance to register a car in Nebraska?How much is gap insurance in NebraskaNebraska car insurance calculatorNon-owner car insurance in Nebraska: Which company has the cheapest rates?The best, cheapest car insurance in NebraskaBest and cheapest companies for home and auto bundles in NebraskaShow more 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 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 Low-cost car insurance in Nebraska by ageTeenagers pay significantly more for car insurance than adults in Nebraska. For instance, a 16-year-old driver pays $5,498 more on average than a 40-year-old.The following table shows car insurance rates by age group in Nebraska.Age groupFull coverage annual premiumsTeens (16-19)$5,585Young Adults (20-24)$2,963Adults (25-60)$1,897Seniors (65-75)$1,722Powered by:Low-cost car insurance in Nebraska by driver historyYour driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.Low-cost car insurance after a speeding ticket in NebraskaA single speeding ticket in Nebraska can push your rates up by 40%, or about $761. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNationwide$1,216$1,49423%$278Auto-Owners$1,193$1,86756%$674State Farm$2,344$2,5228%$178GEICO$2,372$2,5568%$184Progressive$1,964$2,81543%$851Allstate$2,621$2,8679%$246USAA*$1,328$1,65625%$328*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in NebraskaAfter an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Auto-Owners has the lowest average rate at $1,802 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Nebraska with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$1,193$1,80251%$609Nationwide$1,216$2,11074%$894State Farm$2,344$2,70115%$357Progressive$1,964$3,39873%$1,434Allstate$2,621$3,67240%$1,051GEICO$2,372$4,935108%$2,563USAA*$1,328$1,97449%$646*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in Nebraska]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Nebraska keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseAuto-Owners$1,193$2,348$1,15597%Progressive$1,964$2,369$40521%Nationwide$1,216$2,508$1,292106%State Farm$2,344$2,522$1788%Allstate$2,621$3,376$75529%GEICO$2,372$7,961$5,589236%USAA*$1,328$2,756$1,428108%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance Nebraska Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In Nebraska, the average cost of full coverage is $7 more compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Nebraska, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.The bottom line on saving and staying protectedWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Nebraska.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Nebraska. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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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 Low-cost car insurance companies in NebraskaHow we choose low-cost car insurance companies in NebraskaZIP codes with the cheapest car insurance in NebraskaLow-cost car insurance in Nebraska by ageLow-cost car insurance in Nebraska by driver historyAverage cost of car insurance NebraskaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330