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Best car insurance in Nebraska for 2024

Updated Nov 13, 2024
USAA, Progressive, Nationwide, Allstate and American Family top our list of auto insurance providers in Nebraska.
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Best car insurance companies in Nebraska

The average cost for the state's mandated minimum coverage is $608 per year, as opposed to the national average of $678 per year. Full coverage, which includes both collision and comprehensive coverage, costs an annual average of $2,316 in the Cornhusker State, while nationally, full coverage is $2,458 per year.

Bankrate worked with data supplied by Quadrant Information Services to determine average annual rates. This data, combined with an in-depth analysis by our insurance editorial team, indicated that a handful of companies were writing competitive, robust policies that meet the needs of Nebraska drivers. These include USAA, Progressive, Nationwide, Allstate and American Family. We looked at factors such as each company's customer service satisfaction with third-party evaluators such as J.D. Power, financial strength through agencies like AM Best, website and digital tools for ease of use, and range of coverage offerings and discounts.

4.4
Rating: 4.4 stars out of 5
$1,722
$378
4.2
Rating: 4.2 stars out of 5
$1,754
$373
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$3,468
$742
4.2
Rating: 4.2 stars out of 5
N/A
N/A

Progressive

Best for digital tools

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$143/mo

Avg. full coverage premium

$1,722/yr

Customer satisfaction

638/1,000

USAA

Best for military-focused coverage

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$146/mo

Avg. full coverage premium

$1,754/yr

Customer satisfaction

759/1,000

Nationwide

Best for customizable coverage

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

628/1,000

Allstate

Best for new drivers

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$289/mo

Avg. full coverage premium

$3,468/yr

Customer satisfaction

629/1,000

American Family

Best for customer satisfaction

American Family

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

674/1,000

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How Bankrate chose the best car insurance companies in Nebraska

In order to help drivers make the best choice for their car insurance, Bankrate's insurance editorial team did the legwork to analyze data on insurers who write policies in Nebraska, using a broad range of factors, from average price to the availability of digital tools, that impact the customer experience. Our Bankrate Score summarizes our findings, giving you a simple, data-driven way to understand which company may be the best choice for your needs.

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Why you can trust Bankrate

Read our full methodology

To help Nebraska drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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How to find the best car insurance in Nebraska

There are a number of meaningful reasons to have car insurance outside of it being a legal requirement. It makes sense to find the best auto insurance in Nebraska so you are protected from financial distress in the event of an accident. A robust and thorough policy can save you thousands of dollars or more in the event of a serious accident. With a little time, finding Nebraska car insurance that fits your needs is not hard. Consider the following factors when you are searching.

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How much is car insurance in Nebraska?

Nebraska's state annual averages — $608 for minimum coverage and $2,316 for full coverage — are below the national annual averages of $678 and $2,458 for minimum and full coverage, respectively. This is welcome news to Nebraska drivers, who may find even lower rates by shopping around. Compared to other states nearby, Nebraska’s average cost of coverage falls somewhere in the middle. South Dakota drivers pay slightly less, with averages of $370 per year for minimum coverage and $2,279 per year for full coverage; while in Kansas the rates are somewhat higher, at $625 per year for minimum coverage and $2,552 for full coverage.

Nebraska's relatively low rates may be partly accounted for by the fact that many of the state's drivers live in rural areas, where there is less of a chance of accidents. Insurance tends to be higher in congested urban areas, since these regions are more likely to see fender benders and other, more serious accidents, which may result in increased claims and increased costs.

City Avg. annual full coverage premium Avg. savings vs. state average
Wauneta $2,649 +13%
Brady $2,529 +9%
Ashby $2,535 +9%
Bridgeport $2,572 +10%
Harrisburg $2,550 +10%
Mitchell $2,535 +9%
Scottsbluff $2,572 +10%

Estimate your car insurance cost in Nebraska

Finding the best car insurance companies in Nebraska can be challenging. To help you make the right decisions, Bankrate created this estimator tool to give you a benchmark figure for your own coverage. By inputting a few key facts, you can get an estimate of what you are likely to pay for your Nebraska coverage.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 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:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes.