Average Renters Insurance Cost in Nebraska

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Renters insurance costs in Nebraska vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Nebraska pay $314 per year or $26 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Nebraska is $314 per year or $26 per month.
State Farm provides the least expensive renters insurance in Nebraska at an average rate of $138 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Nebraska.

Average renters insurance cost in Nebraska per month

In Nebraska, the average monthly cost of renters insurance is $26. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$26	$2 more

Average renters insurance cost in Nebraska by company

Renters in Nebraska can find the most budget-friendly insurance with State Farm, which has an average annual cost of $138, according to our data. Other affordable options include Nationwide and Iowa Farm Bureau.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in Nebraska.

Company	Average annual rate	Average monthly rate
State Farm	$138	$12
Nationwide	$186	$16
Iowa Farm Bureau	$191	$16
American Family	$261	$22
Farmers Mutual of Nebraska	$314	$26
Farmers	$357	$30
Travelers	$793	$66
USAA*	$192	$16

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

Renters insurance calculator in Nebraska

$300/year

Estimated renters insurance rates in Nebraska

$25

Monthly renters insurance cost in Nebraska

11%

Compared to national average

Average cost of renters insurance in Nebraska by coverage level

As we discussed above, the average cost of renters insurance in Nebraska is $314 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $225 per year for renters insurance in Nebraska, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Nebraska for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$239	$20
$20,000 with $500 Deductible and $300,000 Liability	$253	$21
$20,000 with $1,000 Deductible and $100,000 Liability	$211	$18
$20,000 with $1,000 Deductible and $300,000 Liability	$225	$19
$40,000 with $500 Deductible and $100,000 Liability	$339	$28
$40,000 with $500 Deductible and $300,000 Liability	$353	$29
$40,000 with $1,000 Deductible and $100,000 Liability	$300	$25
$40,000 with $1,000 Deductible and $300,000 Liability	$314	$26
$60,000 with $500 Deductible and $100,000 Liability	$448	$37
$60,000 with $500 Deductible and $300,000 Liability	$464	$39
$60,000 with $1,000 Deductible and $100,000 Liability	$397	$33
$60,000 with $1,000 Deductible and $300,000 Liability	$413	$34

Average cost of renters insurance in Nebraska by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Nebraska.

Renters insurance rates in Nebraska by city

See rates in your city

Kearney

Lincoln

Omaha

Average cost of renters insurance in Nebraska by ZIP code

The cost of renters insurance in Nebraska varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Nebraska.

Most affordable ZIP codes for renters insurance in Nebraska

The amount Nebraska renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 68755 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $292.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Nebraska.

ZIP code	City	Average annual rate	Average monthly rate
68755	Naper	$292	$24
68759	Newport	$292	$24
69335	Bingham	$293	$24
69340	Ellsworth	$293	$24
69354	Marsland	$293	$24
68724	Center	$294	$24
69141	Gurley	$294	$25
68749	Magnet	$294	$24
68881	Westerville	$294	$25
68837	Elyria	$295	$25

Least affordable ZIP codes for renters insurance in Nebraska

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Nebraska is 68176, with an average cost of $429 a year or $36 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Nebraska. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
68176	Omaha	$429	$36
68056	St Columbans	$416	$35
68063	Uehling	$416	$35
68068	Washington	$416	$35
68016	Cedar Creek	$415	$35
68403	Manley	$415	$35
68072	Winslow	$415	$35
68382	Dunbar	$414	$34
68634	Duncan	$414	$35
69135	Elsmere	$414	$35

Final thoughts: Average renters insurance in Nebraska

Renters insurance is a must-have for renters in Nebraska. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

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.