Average Renters Insurance Cost in Nebraska

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In Nebraska, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $314 annually or $26 monthly for a policy with $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 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 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 rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of 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

In 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 Nebraska

In 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 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

68176 is the most expensive ZIP code for renters insurance in Nebraska, at an average cost of $429 annually or $36 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Nebraska. The table below shows the average annual renters insurance rates 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 essential for residents of Nebraska. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.