Home Renters insurance Renters insurance cost Average renters insurance cost in Nebraska Average renters insurance cost in Nebraska Discover the average cost of renters insurance in Nebraska and how factors like location and coverage levels can impact your rate. 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: February 10, 2026 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. 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 TakeawaysThe 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 monthIn Nebraska, the average cost of renters insurance is $26 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$26$2 morePowered by:Average renters insurance cost in Nebraska by companyAccording to our data, State Farm provides the most affordable renters insurance in Nebraska, with an average annual rate of $138, followed by Nationwide and Iowa Farm Bureau.Getting quotes from multiple renters insurance companies in Nebraska is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Nebraska.CompanyAverage annual rateAverage monthly rateState Farm$138$12Nationwide$186$16Iowa Farm Bureau$191$16American Family$261$22Farmers Mutual of Nebraska$314$26Farmers$357$30Travelers$793$66USAA*$192$16*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Nebraska Select your state Nebraska Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $300/year Estimated renters insurance rates in Nebraska $25 Monthly renters insurance cost in Nebraska 11% Compared to national average Get quotes Average cost of renters insurance in Nebraska by coverage levelThe average annual cost of renters insurance in Nebraska is $314, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $186 a year for renters insurance in Nebraska. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Nebraska for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage 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$34Powered by:Average cost of renters insurance in Nebraska by cityRenters 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 citySee rates in your cityKearneyLincolnOmahaAverage cost of renters insurance in Nebraska by ZIP codeIn Nebraska, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in NebraskaIn Nebraska, your ZIP code plays a major role in determining your premiums. Based on our data, 68755 is the most affordable ZIP code for renters insurance, with an average annual cost of $292.Comparing quotes from multiple insurers in Nebraska is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate68755Naper$292$2468759Newport$292$2469335Bingham$293$2469340Ellsworth$293$2469354Marsland$293$2468724Center$294$2469141Gurley$294$2568749Magnet$294$2468881Westerville$294$2568837Elyria$295$25Powered by:Least affordable ZIP codes for renters insurance in NebraskaYour ZIP code, among other factors, affects how much you pay for renters insurance in Nebraska. 68176 is the least affordable ZIP code for Nebraska renters at an average cost of $429 a year or $36 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Nebraska. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate68176Omaha$429$3668056St Columbans$416$3568063Uehling$416$3568068Washington$416$3568016Cedar Creek$415$3568403Manley$415$3568072Winslow$415$3568382Dunbar$414$3468634Duncan$414$3569135Elsmere$414$35Powered by: Final thoughts: Average renters insurance in NebraskaRenters insurance is a must for Nebraska renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in NebraskaBest and cheapest homeowners insurance companies in NebraskaCost of Living in Nebraska in 2025How much does condo insurance cost in Nebraska in 2025? 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell $400K home insurance cost calculator By Zack Sigel Homeowners insurance rates by state: See how your state compares in 2026 By Jake Safane On this page Average renters insurance cost in Nebraska per monthAverage renters insurance cost in Nebraska by companyAverage cost of renters insurance in Nebraska by coverage levelAverage cost of renters insurance in Nebraska by cityAverage cost of renters insurance in Nebraska by ZIP codeFinal thoughts: Average renters insurance in Nebraska ZIP Code Please enter valid ZIP See rates (844) 761-9316