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Cheapest car insurance in Nebraska for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance companies in Nebraska
Drivers looking for Nebraska cheap car insurance may be pleased to know that average rates in the Cornhusker State are below national averages, at $608 for state-mandated minimum coverage and $2,316 for full coverage, which includes optional collision and comprehensive coverage. Keep in mind, however, that your own rate is based on a range of factors that are unique to you, and thus may vary from the averages. To help you find the cheapest car insurance in NE, Bankrate's insurance editorial team took a careful look at the carriers writing policies in the state, so you can make the best decision for your own insurance policy.
Key takeaways
- Cheapest company for minimum coverage: North Star Mutual
- Cheapest company for full coverage: Auto-Owners
- Cheapest company for drivers with prior incidents: North Star Mutual
- Cheapest company for young drivers: North Star Mutual
Cheapest car insurance in Nebraska for minimum coverage
Almost every state in the U.S. requires drivers to have car insurance to drive legally on public roads, and Nebraska is no exception. Minimum coverage is generally the cheapest option for drivers, so if you are looking for the most affordable coverage in the state, you may want to consider one of the following carriers.
|
|
|
|
---|---|---|---|
North Star Mutual
|
$29
|
$351
|
- $257 |
$31
|
$373
|
- $235 |
|
$34
|
$402
|
- $206 |
|
$36
|
$433
|
- $175 |
|
$43
|
$516
|
- $92 |
Minimum coverage requirements for Nebraska drivers
Minimum coverage in Nebraska includes liability insurance, which pays for damage and injuries to the other car and driver in an accident when you are found to be at fault. Nebraska statutes also require several other types of coverage, as this list shows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 underinsured motorist bodily injury per person
- $50,000 underinsured motorist bodily injury per accident
If you purchase minimum coverage, you might pay some of the lowest rates. However, if you cause an accident and the damage exceeds your insurance limit, you will be responsible for the overage out of pocket. Most insurance professionals recommend that you purchase higher liability limits if you can afford to.
Additionally, minimum coverage does not include comprehensive or collision coverage, which provides financial protection for damage to your own vehicle. Adding these coverages means you will be purchasing full coverage. If you have a loan or lease on your car, your lender likely requires you to carry full coverage.
Cheapest car insurance in Nebraska for full coverage
Although minimum coverage may protect you in the event of some accidents, it will not pay for damages to your own vehicle in an at-fault accident. To provide this coverage, referred to as full coverage insurance, you need optional collision and comprehensive insurance. This type of insurance helps pay for damages from both accident and non-accident mishaps, such as theft, vandalism and weather-related damage. Companies with cheap auto insurance in NE for full coverage include Auto-Owners and USAA.
|
|
|
|
---|---|---|---|
$123
|
$1,475
|
- $841 |
|
$141
|
$1,687
|
- $629 |
|
$169
|
$2,023
|
- $293 |
|
$198
|
$2,380
|
+ $64 |
|
North Star Mutual
|
$202
|
$2,418
|
+ $102 |
Cheapest car insurance in Nebraska for drivers with prior incidents
Your driving record is one of the top factors that insurers use when determining your auto insurance rates. Things like speeding tickets, accidents and other risk factors can lead to big increases in your rates.
Depending on what your prior incident was, you may want to work with a different insurer:
- Cheapest car insurance for drivers with a ticket: North Star Mutual
- Cheapest car insurance for drivers with an at-fault accident: Progressive
- Cheapest car insurance for high-risk drivers: Progressive
Cheapest insurance companies for drivers in Nebraska with a speeding ticket: North Star Mutual
While not ideal, speeding tickets are a common conviction many of us experience at some point during our lives. Depending on the insurance company, a speeding ticket infraction usually affects your car insurance premium for three to five years. We did some digging and found that the companies below may offer cheap car insurance in Nebraska, even after a speeding conviction.
|
|
|
---|---|---|
North Star Mutual
|
$401
|
$2,799
|
$484
|
$2,789
|
|
$495
|
$2,067
|
|
$549
|
$1,965
|
|
$598
|
$2,687
|
Cheapest car insurance for drivers in Nebraska with an at-fault accident: Progressive
Based on our research of average premium data, an at-fault accident in Nebraska may cause your full coverage car insurance premium to be about 53 percent more. Even so, the companies below might be a good place to start if you have an at-fault accident on your record:
|
|
|
---|---|---|
$576
|
$3,151
|
|
$583
|
$2,332
|
|
North Star Mutual
|
$607
|
$4,301
|
$633
|
$2,219
|
|
$666
|
$2,896
|
Cheapest car insurance in Nebraska for high-risk drivers: Progressive
A DUI may be the most serious driving incident, and once convicted, your car insurance company may deem you a high-risk driver. Finding low-cost car insurance in Nebraska can be challenging once you’re a high-risk driver, but it could be possible with some extra work. However, it is important to note that although the companies below may be the cheapest for high-risk drivers, whether or not the company will offer you a policy could depend on factors such as your blood alcohol level (BAC). For specifics, please get in touch with the company directly.
|
|
|
---|---|---|
$434
|
$2,388
|
|
$903
|
$3,950
|
|
$917
|
$3,859
|
|
$932
|
$2,886
|
|
North Star Mutual
|
$1,049
|
$7,596
|
Bankrate’s take: Keep in mind, if you’ve had your license suspended, the DMV may require that you file an SR-22 before you can have your license reinstated. An SR-22 is a certificate from your insurance company that states that you have purchased coverage that meets state requirements. Nebraska requires that you keep an SR-22 on file for three years from the date you’re eligible to have your license reinstated.
Cheapest car insurance for young drivers in Nebraska
Age is a big factor in how much you pay for insurance. Younger people typically have less experience behind the wheel than older drivers and, statistically, have a far higher chance of getting into an accident and filing a claim. The rates they pay can be more than double the typical rates that an older, more experienced driver pays.
If you’re a teen or young adult, you’ll want to shop around for a good deal to help save money.
- Cheapest car insurance for insuring a teen driver: North Star Mutual
- Cheapest car insurance for teens with a ticket: North Star Mutual
- Cheapest car insurance for teens with an at-fault accident: Farmers
- Cheapest car insurance for young drivers with a DUI: Progressive
Cheapest Nebraska car insurance for insuring a teen driver: North Star Mutual
Learning how to save on car insurance in Nebraska after adding a teen driver can be a tall task. After all, teens pay some of the highest car insurance rates because of their propensity for risky driving behavior and lack of experience behind the wheel. However, requesting quotes and looking for discount options from some of the companies below might help alleviate some of the financial stress parents may feel after their child gets their driver’s license.
|
|
|
---|---|---|
North Star Mutual
|
$600
|
$3,906
|
$917
|
$3,418
|
|
$1,073
|
$3,904
|
|
$1,193
|
$4,487
|
|
$1,410
|
$5,898
|
Bankrate’s take: Our teen driver profile reflects rates for a 16-year-old on their married parent’s policy. Insurers typically charge more to insure a teen because of their perceived higher risk. Statistically, teens have a heightened risk of accidents and are more likely to file claims than some older drivers. To offset this higher risk, policies are surcharged when a teen is included in the coverage.
Cheapest Nebraska car insurance for teens with a ticket: North Star Mutual
A teen who gets a ticket while driving can expect their insurance rates to climb even higher than the base rate to insure them. The rates below show the cheapest average premiums available for an 18-year-old on their own policy with a speeding ticket from various Nebraska car insurance companies.
|
|
|
---|---|---|
North Star Mutual
|
$1,182
|
$7,675
|
$1,548
|
$7,692
|
|
$1,619
|
$6,435
|
|
$1,763
|
$5,448
|
|
$1,831
|
$9,570
|
Cheapest Nebraska car insurance for teens with an at-fault accident: Farmers
Getting into an accident can be a scary experience for a new driver. It can also have financial implications, especially if you’re found to be at fault. Your rates are likely to increase significantly.
|
|
|
---|---|---|
$1,246
|
$4,376
|
|
North Star Mutual
|
$1,317
|
$8,670
|
$1,816
|
$7,065
|
|
$1,872
|
$9,265
|
|
$1,902
|
$9,828
|
Bankrate’s take: Nebraska is a comparative fault state. That means that it’s possible for drivers to share the fault for an accident. For example, one driver can be found 80 percent at fault and the other driver 20 percent at fault. The driver who is the majority at fault will typically see their rates rise more significantly.
Cheapest Nebraska car insurance for young drivers with a DUI: Progressive
Many insurers consider a DUI the most serious moving violation you can earn. For a young driver who is already paying high insurance rates, this infraction is likely to send their rate considerably higher. Some carriers will not write policies for drivers with a DUI, so you may have to shop around to find affordable coverage if you are convicted of this infraction. Rates in the following table are for a 21-year-old on their own policy who has a single DUI on their record.
|
|
|
---|---|---|
$686
|
$3,416
|
|
$1,173
|
$5,927
|
|
North Star Mutual
|
$1,634
|
$11,254
|
$1,686
|
$7,006
|
|
$2,057
|
$5,919
|
Cheapest car insurance rates by city in Nebraska
In almost every state (Nebraska included), your car insurance company can use your ZIP code as a factor when determining your premium. Typically, car insurance is more expensive in urban areas since your risk of being in a car accident is higher due to population density. Theft and vandalism might be more common in bigger cities, too, leading to higher rates.
If you’re looking for cheap Nebraska car insurance and are planning to move, the cities below might be good places to research:
Cheapest cities in Nebraska for car insurance
|
|
|
|
---|---|---|---|
Arnold
|
City average annual min coverage premium
$446
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$250
|
Broken Bow
|
City average annual min coverage premium
$443
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$250
|
Bassett
|
City average annual min coverage premium
$434
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$250
|
Westerville
|
City average annual min coverage premium
$447
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$250
|
Merna
|
City average annual min coverage premium
$443
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$250
|
Cheapest car insurance in larger cities in Nebraska
|
|
|
|
---|---|---|---|
Lincoln
|
City average annual min coverage premium
$634
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$303
|
Omaha
|
City average annual min coverage premium
$751
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$439
|
Grand Island
|
City average annual min coverage premium
$517
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$238
|
Kearney
|
City average annual min coverage premium
$496
|
Cheapest car insurance carrier
North Star Mutual
|
Company average annual premium
$236
|
Bellevue
|
City average annual min coverage premium
$708
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$405
|
Car insurance discounts in Nebraska
One solid way to save money on your Nebraska car insurance is to make sure you are receiving all the discounts for which you are eligible. Although these vary from company to company, almost every carrier has at least a few. Some of the most common ones are as follows:
- Bundling discount: If you are happy with your car insurance company, you may want to consider purchasing your home, condo or renters insurance from them as well. Many companies offer a discount for this practice, called bundling. You might also earn a discount for insuring more than one car with the same company.
- Safe driver discounts: You may earn a discount if you go for a certain number of years — often three to five — without filing a claim. You may also have savings for taking a defensive driving course and brushing up on your skills behind the wheel.
- Telematics discount: Insurers are increasingly using telematics programs, which feature a mobile app that monitors your driving in real time. If you prove to be a safe and careful driver, you can save significantly. Some insurers, however, may increase your rate if you exhibit unsafe driving practices.
- Safety feature discount: This simple-to-earn discount may come into play if your vehicle has common features such as anti-lock brakes, air bags or security systems.
- Billing discounts: Just by agreeing to receive your documents via email rather than postal mail may net you some savings. You might also earn a discount for setting up paperless billing or paying your entire premium in one payment at the beginning of the coverage period.
- Professional discounts: If you work in certain professions, often including teachers, first responders or other healthcare professionals, some insurers will offer a small discount.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze January 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.