Low-cost car insurance in Nebraska

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In Nebraska, Farmers Mutual of Nebraska offers the cheapest average premium at $1,605 per year. For comparison, the statewide average monthly cost is $199, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Nebraska, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Farmers Mutual of Nebraska has the cheapest average premium in Nebraska, coming in at $1,605 per year – about $782 compared to the state average.
For drivers with an at-fault accident on their record, Auto-Owners offers the lowest rates, with annual costs averaging $2,474.
The 68516 ZIP code is the least expensive area in Nebraska for car insurance, with an average yearly premium of $1,879.

Low-cost car insurance companies in Nebraska

Among all insurers in Nebraska, Farmers Mutual of Nebraska comes in lowest at $1,605 per year – $782 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Nebraska.

Company	Average annual rates
Farmers Mutual of Nebraska	$1,605
Auto-Owners	$1,638
Shelter Insurance	$2,346
Progressive	$2,515
Allstate	$2,824
GEICO	$2,859
Iowa Farm Bureau	$4,829
USAA*	$1,797

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Nebraska

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Nebraska

In Nebraska, drivers living in the 68516 ZIP code enjoy the lowest average annual premium at $1,879. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
68516	Lincoln	$1,879
68520	Lincoln	$1,881
68512	Lincoln	$1,882
68508	Lincoln	$1,887
68522	Lincoln	$1,890
68505	Lincoln	$1,896
68504	Lincoln	$1,896
68506	Lincoln	$1,900
68523	Lincoln	$1,900
68528	Lincoln	$1,903

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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

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Low-cost car insurance in Nebraska by age

Teenagers pay significantly more for car insurance than adults in Nebraska. For instance, a 16-year-old driver pays $7,262 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Nebraska.

Age group	Full coverage annual premiums
Teens (16-19)	$7,264
Young Adults (20-24)	$3,758
Adults (25-60)	$2,429
Seniors (65-75)	$2,296

Low-cost car insurance in Nebraska by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Nebraska

One speeding ticket in Nebraska can cause your insurance rates to jump by 40%, or roughly $955 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,638	$2,564	56%	$926
GEICO	$2,859	$3,081	8%	$222
Allstate	$2,824	$3,090	9%	$266
Progressive	$2,515	$3,603	43%	$1,088
USAA*	$1,797	$2,240	25%	$443

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Nebraska

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Auto-Owners is the lowest-cost option for these drivers, with an average annual premium of $2,474.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,638	$2,474	51%	$835
Allstate	$2,824	$3,957	40%	$1,133
Progressive	$2,515	$4,349	73%	$1,835
GEICO	$2,859	$5,948	108%	$3,089
USAA*	$1,797	$2,669	49%	$872

*USAA is only available to military community members and their families.

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.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,515	$3,032	$517	21%
Auto-Owners	$1,638	$3,223	$1,585	97%
Allstate	$2,824	$3,638	$814	29%
GEICO	$2,859	$9,596	$6,737	236%
USAA*	$1,797	$3,728	$1,931	107%

*USAA is only available to military community members and their families.

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 $126 less compared to the national average

We 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Nebraska, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Nebraska.

Methodology

Insure.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 violations 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.