In Nebraska, the average annual cost for full car coverage is $1,189, while minimum coverage averages $494. These rates are $107 and $101 less, respectively, than the national average, making car insurance more affordable for Cornhuskers.
Average Cost of Car Insurance in Nebraska
Updated: December 20, 2024
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Key Takeaways
Nebraska drivers pay 8% less for full coverage car insurance than the national average.
They pay 17% less compared to the national average for minimum coverage.
The Cornhusker State offers average insurance costs of $494 for minimum coverage and $1,189 for full coverage, making it one of the more affordable places to insure your vehicle.
How Much Is Car Insurance in Nebraska?
| Full Coverage | $1,189 | $1,296 | -8% |
| State Minimum Liability Only | $494 | $595 | -17% |
Read More: Average Cost of Car Insurance
Nebraska Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in Nebraska. Higher liability limits and full coverage cost more, but a higher deductible could lower your premium. Here are the average rates for minimum and full coverage with different deductibles in the Cornhusker State.
| 300/500/300 | Full Coverage | $1,392 | $500 |
| 100/300/100 | Full Coverage | $1,311 | $0 |
| 300/500/300 | Full Coverage | $1,269 | $1,000 |
| State Minimum | Full Coverage | $1,242 | $500 |
| 300/500/300 | Full Coverage | $1,235 | $1,500 |
| 100/300/100 | Full Coverage | $1,189 | $1,000 |
| 100/300/100 | Full Coverage | $1,154 | $1,500 |
| State Minimum | Full Coverage | $1,119 | $1,000 |
| State Minimum | Full Coverage | $1,085 | $1,500 |
| 300/500/300 | Liability Only | $741 | $0 |
| 100/300/100 | Liability Only | $609 | $0 |
| State Minimum | Liability Only | $494 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Nebraska Car Insurance Cost by City
Car insurance rates in Nebraska can vary due to crime, traffic, weather and repair costs. For example, Lincoln's annual full coverage is $921, while Omaha's is $1,124. Check the table below to see how these rates compare to the state average for more affordable plans.
| Lincoln | $921 | -52% | $406 | -63% |
| Omaha | $1,124 | -41% | $495 | -55% |
Average Nebraska Car Insurance Cost by Age
In Nebraska, your age can greatly affect what you pay for car insurance. Young drivers, seen as high-risk, often face steeper costs. On average, 25-year-olds shell out about 27% more for full coverage and 26% more for state minimum than 40-year-olds. Compared to 65-year-olds, they pay roughly 35% more for full coverage and 26% more for state minimum.
| 25 | $1,507 | $622 |
| 40 | $1,189 | $494 |
| 65 | $1,119 | $494 |
While age usually affects car insurance prices, it doesn't in California, Massachusetts and Hawaii. Residents in these states get fair rates without age affecting the cost.
Car Insurance Costs in Nebraska for Young Drivers by Gender
In Nebraska, young drivers face higher car insurance costs due to increased risk from more frequent accidents. Drivers aged 18 to 25 pay an average of $1,645 per year when added to a family policy, which is 25% less than the $2,057 for an individual policy.
Gender also influences car insurance rates for young Nebraskans. On average, young female drivers pay $1,934 annually, saving 11% compared to the $2,180 young male drivers pay. Below, you'll find the average car insurance costs for individual and family policies for young drivers in Nebraska, broken down by gender.
Car Insurance Costs in Nebraska for Young Females
In Nebraska, an 18-year-old female added to a family car insurance policy averages $1,822. Choosing an individual policy instead can nearly double the cost, with rates soaring to $3,614.
| 18 | $3,614 | $1,822 | -50% |
| 19 | $2,430 | $1,943 | -20% |
| 20 | $2,188 | $1,752 | -20% |
| 21 | $1,663 | $1,337 | -20% |
| 22 | $1,562 | $1,585 | 1% |
| 23 | $1,425 | $1,449 | 2% |
| 24 | $1,356 | $1,381 | 2% |
| 25 | $1,232 | $1,267 | 3% |
Car Insurance Costs in Nebraska for Young Males
An 18-year-old male in Nebraska typically pays $4,132 for individual full coverage car insurance. By joining a family policy, the cost drops to $2,079, saving nearly 50% annually.
| 18 | $4,132 | $2,079 | -50% |
| 19 | $2,832 | $2,249 | -21% |
| 20 | $2,456 | $1,930 | -21% |
| 21 | $1,931 | $1,530 | -21% |
| 22 | $1,751 | $1,717 | -2% |
| 23 | $1,574 | $1,546 | -2% |
| 24 | $1,463 | $1,441 | -2% |
| 25 | $1,303 | $1,298 | -0% |
Average Nebraska Car Insurance Cost by Driving Record
In Nebraska, traffic offenses may affect your car insurance costs. A DUI can raise your full coverage to $2,325, which is 21.87% more than the state average. A speeding ticket is about 20.67% lower, amounting to $1,514. Below, we show how much Nebraska drivers pay for insurance after accidents, DUIs and tickets compared to those with no offenses.
| At-Fault Accident | $1,833 | -4% | $789 | -28% |
| DUI | $2,325 | 22% | $1,032 | -6% |
| Ticket | $1,514 | -21% | $633 | -42% |
Read More: High-Risk Car Insurance in Nebraska
Average Nebraska Car Insurance Cost by Credit Score
Your credit-based insurance score plays a big part in what you pay for car insurance in the Cornhusker State. Drivers with excellent credit might pay around $969 yearly for full coverage, while those with poor credit could see rates near $2,924.
| Excellent | $969 | -49% | $282 | -74% |
| Good | $1,259 | -34% | $360 | -67% |
| Fair | $1,647 | -14% | $463 | -58% |
| Below Fair | $2,158 | 13% | $595 | -46% |
| Poor | $2,924 | 53% | $771 | -30% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability, potentially lowering insurance rates for Nebraska drivers. However, in Hawaii, Massachusetts, Maryland, California and Michigan, credit-based insurance scores are not used for pricing. Credit can only influence rates under specific conditions in North Carolina, Oregon, Washington, Utah and Nevada.
Average Nebraska Car Insurance Cost by Company
Car insurance costs can vary between companies, even in the same state. For Nebraska residents, American National P&C offers the most affordable average annual full coverage at $544. On the other end, Farmers' average premium is $1,643, which is 15.66% higher than the state average.
| American National P&C | $544 | $197 |
| Auto-Owners Insurance Co | $833 | $400 |
| Farmers Mutual of Nebraska | $895 | $307 |
| GEICO | $1,033 | $367 |
| Shelter | $1,158 | $494 |
| IMT Insurance Company | $1,171 | $519 |
| Progressive | $1,191 | $352 |
| State Farm | $1,257 | $413 |
| Iowa Farm Bureau | $1,377 | $482 |
| Allstate | $1,542 | $834 |
| AAA | $1,620 | $632 |
| Farmers | $1,643 | $931 |
Read More: Cheapest Car Insurance Companies in Nebraska
Average Nebraska Car Insurance Cost by Vehicle Age
In Nebraska, newer cars have higher insurance premiums because they're worth more and cost more to fix or replace if stolen. On average, full coverage for a new model is $1,401 a year, while a 10-year-old car costs $1,030.
| 10-Year-Old Vehicle | $1,030 | $394 |
| New Model Vehicle | $1,401 | $381 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is what insurers deem it was worth before any damage. For comprehensive or collision claims, the ACV helps determine the maximum payout for repairs or replacement after deductibles. This process ensures the claim mirrors the vehicle's fair market value.
Read More: Used Car Insurance
Nebraska Car Insurance Rates Explained
Nebraska's car insurance rates are typically more affordable than the national average. Costs are influenced by factors like driving history and the choice between full coverage and state minimum.
Is Car Insurance Expensive in Nebraska?
Car insurance in Nebraska is affordable, with an average full coverage cost of $99 per month. It's 8% less expensive than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Nebraska vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Nebraska Average Cost
Full Coverage Car Insurance
$99NE Car Insurance Is Expensive:$9 saved
This is 8% less expensive.
Why Are Car Insurance Rates Expensive in Nebraska?
Car insurance in Nebraska can be pricey due to harsh weather, storms and strict laws. These factors lead to more insurance claims, raising prices for everyone. It's important to shop around for affordable plans.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Nebraska
While Nebraska's average car insurance rates reflect broad factors like laws and economy, your rate depends on your unique situation. To estimate your costs, consider your driving record, car type and coverage needs.
Driving Record
A spotless driving record can lead to lower insurance rates. Avoid violations such as speeding or DUIs to keep premiums affordable.
Age and Gender
Younger drivers and males often face higher rates. If you're in these groups, shop for insurers catering to your demographic.
Credit History
Insurers value good credit. Work on paying bills on time and reducing debt to potentially lower your car insurance rates.
Vehicle Type
Insurance costs can vary by vehicle type. Opt for a car with safety features and a low theft rate to reduce your premiums.
Location Within Nebraska
Living in areas with lower crime rates or less traffic can lead to cheaper insurance. Consider your location when seeking quotes.
Coverage Level
More coverage means higher costs. Balance your protection needs with what you can afford and consider raising your deductible.
Marital Status
Married individuals often receive lower rates. If you're married, ask your insurer about taking advantage of potential discounts.
State Law
Nebraska's insurance requirements can affect rates. Ensure you have the state-mandated minimum, but consider additional coverage for full protection.
Read More: Nebraska Car Insurance Calculator
Minimum Car Insurance in Nebraska
In Nebraska, the average cost for state minimum coverage is $494, lower than the national average of $595. This makes the Cornhusker State's minimum coverage more affordable than full coverage insurance.
Nebraska Car Insurance Requirements
In Nebraska, drivers must have minimum coverage car insurance. This includes $25,000 for injuries per person, $50,000 for injuries per accident and $25,000 for property damage per accident. Additionally, you need $25,000 in uninsured/underinsured motorist coverage per person and $50,000 per accident.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Drivers must have bodily injury liability per person to cover medical expenses if they cause an accident |
$50,000 for bodily injury liability per accident | Bodily injury liability per accident ensures adequate coverage for multiple injured parties |
$25,000 for property damage liability per accident | Property damage liability per accident covers repairs or replacement of damaged property |
$25,000 uninsured motorist bodily injury per person | Protects you if you're hit by a driver without insurance |
$50,000 uninsured motorist bodily injury per accident | Coverage for injuries caused by an uninsured driver |
How to Lower Car Insurance Costs in Nebraska
To save on car insurance in Nebraska, compare rates, raise your deductible and take advantage of all applicable discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find the cheapest car insurance in the Cornhusker State, saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can ensure you're paying only for the needed coverage. For example, drivers who can afford it can lower costs with increased deductibles, and low-mileage drivers can decrease costs with usage-based policies.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs across the state.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Nebraska: Bottom Line
Nebraska's average annual cost for full coverage car insurance is $1,189, lower than the national average of $1,296. Your rates may vary based on age, driving history and the car you drive. The state offers more affordable car insurance options than many others.
Nebraska Car Insurance Rates: FAQ
Discover what affects car insurance costs in Nebraska and learn tips for finding affordable rates. Factors like driving record, age, vehicle type and coverage level impact prices. Comparing quotes can help Nebraska residents secure inexpensive car insurance.
What are the minimum car insurance requirements in Nebraska?
Nebraska's minimum car insurance coverage requirements include bodily injury liability of $25,000 per person and $50,000 per accident, alongside property damage liability of $25,000 per accident. Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident is also mandatory.
What is the average cost of full coverage and minimum coverage auto insurance in Nebraska?
The average annual rate for full coverage auto insurance in Nebraska is $1,189, while state minimum costs around $494.
What is the average cost of car insurance for a 25-year-old in Nebraska?
The average cost for full coverage auto insurance for a 25-year-old in Nebraska is $1,507, slightly below the state average. For state minimum coverage, the average is around $622, well below the state average.
What are the cheapest car insurance companies in Nebraska?
The most affordable car insurance in Nebraska is from American National P&C, with an annual premium of $544 for full coverage or about $45 monthly. Their minimum coverage costs $197 annually or roughly $16 per month.
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Nebraska Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Nebraska:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for full coverage with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Nebraska:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.