Best car insurance in Nebraska for 2024

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

As is true of most areas of the U.S., Nebraska state law mandates that you carry a certain amount of liability insurance to drive legally in the state. Although the state does allow for a few options when it comes to ensuring your financial responsibilities are covered, having a policy is generally the simplest. If you can afford it, it’s a good idea to carry more than the state's minimum requirements, which may not be adequate to protect you following a serious accident. This could leave you facing high costs for medical needs or property damage.

Nebraska state minimum requirements include only liability insurance, which would cover the other car and its drivers and passengers if you are in an at-fault accident. To protect your own car, you will need to add collision and comprehensive coverage, giving you full coverage. If you have a car loan or lease, your lender will probably require you to carry full coverage in order to protect their investment. Even if you don't have a lender, full coverage is a good idea as long as you can handle the increased cost.

When shopping for insurance, it's wise to consider the individual needs that may be unique to your situation. If you have a teen driver or senior driver, for example, it's often possible to earn discounts that will lower your premium costs. If you work from home or are retired, you may be able to find an insurer that charges less for having low annual mileage. Additionally, consider how you like to do business: would you rather have a relationship with a local agent who knows you well, or do you prefer to handle your insurance needs via an app? All these should play a role in determining the best insurer for you.

No single company always offers the cheapest car insurance in Nebraska to every driver, all the time. Your own rate is impacted by multiple factors unique to you, including your age, driving record and credit history, as well as your car's age, make and model. To find the best company for your needs, it can help to shop around and ask for quotes from various carriers. Consider what's most important to you: if you have past infractions on your license, for example, you may get the best rates with a company with experience in writing high-risk insurance. If you are a safe and careful driver, on the other hand, you might earn significant discounts by working with a company that features a robust telematics program. An older driver, meanwhile, might want to review Bankrate's list of the cheapest companies for seniors. Whatever your situation, it may be helpful to work with an independent agent who can look at a range of potential insurers to help you find the best affordable coverage for you.

Every individual is unique, and because of this there is no one company that will be the best option for everyone. To find your own best match, first consider your priorities. Is low price what you value most? Then consider one of the companies with a reputation for writing cheap car insurance. Are you looking for great customer service? Then you may want a company that scores highly with J.D. Power's Customer Satisfaction Index. Do you have a teen driver in your home? Look at companies that have a reputation for offering low-cost, robust policies for young adults. Are you retired or working from home? A company offering low-mileage insurance may be best. Once you know what's most important to you, you're more likely to find a company that you'll be happy with.

Almost every state in the U.S. (New Hampshire is the exception) requires drivers to carry a minimum amount of insurance. Nebraska's limits are 25/50/25. That means you need at least:

• $25,000 in liability coverage per person
• $50,000 in liability coverage total per accident
• $25,000 in property liability

You also need uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident. Many experts would suggest that you purchase more than these minimums, as they may not be enough to cover you fully in a serious accident.