Updated: November 18, 2024
Advertising & Editorial Disclosure
In Nebraska, Auto-Owners earns the highest MoneyGeek score overall. If you're seeking minimal coverage, American National P&C leads. For families with a teen driver, Auto-Owners is also best.
If saving money is your goal, explore cheapest car insurance in Nebraska which MoneyGeek analyzed for cost-conscious consumers focusing purely on price.
Best Car InsuranceNebraskaBest Car Insurance in Nebraska
Why Trust MoneyGeek? We created an insurance scoring system for providers in Nebraska based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Nebraska.
Auto-Owners stands out as Nebraska's top car insurance provider with an impressive MoneyGeek score of 92 out of 100. The scores of ranked companies range from 92 down to 62, indicating a 30-point spread within MoneyGeek's baseline scoring system. These scores can vary for different driver profiles, as MoneyGeek personalizes ratings to match individual insurance needs.
How does MoneyGeek score companies?
MoneyGeek's comprehensive ratings prioritize customer satisfaction and affordability in our assessment of insurance companies, with substantial importance also placed on claims experience and offered coverages. These elements together form an accurate reflection of an insurer's overall performance, ensuring clients can make well-informed decisions when selecting their insurance provider.
Some insurers, despite their availability, did not meet the criteria to obtain a MoneyGeek score due to incomplete data across all scoring components. Iowa Farm Bureau and IMT Insurance Company exhibit strong performance in customer satisfaction, while Farmers Mutual of Nebraska excels in affordability. These areas of strength should be noted, acknowledging the presence of distinct advantages despite the absence of a comprehensive score.
| Auto-Owners Insurance Co | 92 | $646 |
| American National P&C | 87 | $488 |
| Shelter | 83 | $1,064 |
| GEICO | 73 | $984 |
| Progressive | 73 | $1,078 |
| State Farm | 71 | $1,255 |
| Farmers | 70 | $1,247 |
| Allstate | 63 | $1,366 |
| AAA | 62 | $1,473 |
| Iowa Farm Bureau | No Data | $1,181 |
| IMT Insurance Company | No Data | $1,080 |
| Farmers Mutual of Nebraska | No Data | $844 |
Auto-Owners is the best option in Nebraska for best full coverage car insurance.
Auto-Owners distinguishes itself with exceptional claims handling and high affordability. These factors, aligned with an outstanding customer satisfaction score, make it the leader in Nebraska's full coverage car insurance market.
Consumers benefit from a range of companies that offer different cost and service experiences. For those interested in finding the cheapest full coverage car insurance in Nebraska, MoneyGeek provides a thorough analysis to help save on premiums.
Ranks 1st for claims handling.
Provides many essential coverages.
Auto-Owners stands out due to its exceptional satisfaction score (30 out of 35) and full marks in claims handling (20 out of 20), which are significant contributors to its high MoneyGeek score of 92. Because it has common coverages like Roadside Assistance and Rental Car and/or Travel Reimbursement, Auto-Owners ensures essential needs are met. But it lacks Gap Insurance and Accident Forgiveness.
Auto-Owners offers the Diminished Value Coverage, a rare coverage that's particularly beneficial following accidents, because it may compensate for the vehicle's lost value. Customers also gain peace of mind with the Personal Automobile Plus Package that streamlines multiple desirable coverages into one convenient bundle. For those seeking security after an accident, the company's Accident Forgiveness protects against premium increases after an initial at-fault accident.
Auto-Owners is the top performer for car insurance customer service in Nebraska.
Auto-Owners stands out particularly for its exceptional saatisfaction and claims handling scores, making it the leader in service excellence in Nebraska. Additionally, customers receive this premier service at a more affordable cost than the closest competition.
A car insurance company with robust customer service is vital because it ensures that clients receive prompt and supportive interactions, especially during stressful times such as after an accident. Equally important is an efficient claims process, which provides peace of mind that any losses will be handled fairly and quickly. Good customer service and claims handling are the cornerstones of a reliable insurance experience, offering customers both trust and value.
Ranks well in state for claims handling.
Offers rare coverages such as Diminished Value Coverage.
Offers Accident Forgiveness.
Auto-Owners excels in satisfaction and claims handling, which are the most significant contributors to its high MoneyGeek score. The company offers two common coverages: Roadside Assistance and Rental Car and/or Travel Reimbursement, marking a strong commitment to customer convenience. It also provides Gap Insurance and Accident Forgiveness, adding value for clients who value comprehensive protection.
Auto-Owners delivers diverse options beneficial to many drivers. Diminshed Value Coverage is a rare coverage that addresses value loss after an accident, ensuring drivers get a fair deal. The Personal Automobile Plus Package simplifies managing multiple coverage needs, enhancing customer experience. Deductible Modification can waive your collision deductible under certain conditions, reducing out-of-pocket expenses during stressful times. These offerings, coupled with an outstanding satisfaction score of 39 (out of 45) and a claims handling score of 30 (out of 30), demonstrate the insurer's dedication to excellent service and robust protection for its policyholders.
American National P&C is the best option in Nebraska for drivers seeking minimum insurance coverage.
American National P&C distinguishes itself primarily through its exceptional affordability and high customer satisfaction, as reflected in its MoneyGeek score. The company's annual premium of $163 makes it a leading provider for the minimum insurance required by law in Nebraska.
Many companies in Nebraska offer cheap minimum coverage car insurance. Such policies may not provide comprehensive protection in all accident scenarios. It means that in the event of a serious accident, the minimum coverage might not cover all expenses, potentially leaving policyholders exposed to significant out-of-pocket costs. Consider not just the initial savings, but also the long-term implications of the coverage you choose.
Offers reasonably rare discounts like early signing.
Offers common discounts such as bundling and multiple car.
Ranks 1st in state for affordability, with an average annual premium of $163 for minimum coverage.
Ranks 3rd for customer satisfaction.
American National P&C stands out for its high marks in affordability and coverage, resulting in an impressive MoneyGeek score of 84. With an average annual premium of just $163, customers enjoy substantial value for their insurance coverage.
Noteworthy discounts include Early Signing, where proactive customers are rewarded with premium discounts for planning ahead and Bundling discounts, that allow savings on qualifying home and auto premiums when combined. These incentives can be particularly advantageous, facilitating additional savings and simplifying the management of multiple insurance policies.
In American National P&C’s MoneyGeek score, affordability remains a standout with a perfect score of 40 (out of 40), supplemented by its coverage score of 10 (out of 10) and satisfaction at 19 (out of 25). Alongside these, the stability score adds to its reliability with a 4 (out of 5). This amalgamation of high individual scores underscores the insurer’s commitment to delivering comprehensive value to its policyholders.
Auto-Owners is the best option in Nebraska for varying driver ages, significantly impacting car insurance costs. This company leads in providing affordable rates and satisfactory coverages for teens with an annual premium of $1,462, young adults at $894 and seniors at $617. Its consistency in excellence across different age categories is evident from its competitive pricing coupled with reliable coverage, contributing to its top scores: 98 for teens, 91 for young adults and 92 for seniors. Overall, Auto-Owners excels in addressing the unique insurance needs of each age group.
Best for teens: Auto-Owners
Best for seniors: Auto-Owners
Best for young adults: Auto-Owners
Auto-Owners is the best car insurance option in Nebraska for teens.
Auto-Owners outshines its competitors, notably in satisfaction and affordability — the two marquee factors propelling its MoneyGeek score to the top. Its annual premium for a teen policy is competitively priced at $1,462, which underscores that to get cheap car insurance for a teen in Nebraska, incorporating them into a family policy is significantly more economical than independent policies.
Adding a teen to a car insurance policy in Nebraska, as in other states, is costly due to the higher risk associated with young, inexperienced drivers. Insurance companies mitigate this risk by charging higher premiums, reflecting the statistically higher probability of accidents and claims within this demographic.
Offers Good Student and Distant Student discounts.
Ranks 1st in claims handling.
Ranks 1st for affordability, with an average annual premium of $1,462 for full coverage.
Ranks 3rd for customer satisfaction.
Lacks Driver's Education discount.
Earning an impressive MoneyGeek score of 98, Auto-Owners shines brightest in satisfaction and coverage, with scores of 33 (out of 35) and 10 (out of 10) respectively. Even though the company doesn't offer discounts targeted specifically at young drivers — such as Good Student, Distant Student, or Driver's Education — its unmatched scores in other pivotal categories compensate.
Auto-Owners provides comprehensive options to all drivers. Its Diminished Value Coverage, a rare offering, ensures that if your vehicle's value drops due to an accident, you're not left shouldering the financial burden. Another key option is its Cut-Through Deductible Modification, promising peace of mind by waiving your collision deductible under qualifying circumstances. With these tailored coverage options, Auto-Owners Insurance maintains its ethos of delivering exceptional service and robust protection.
Auto-Owners is the best option in Nebraska for stellar car insurance coverage for seniors.
Auto-Owners distinguishes itself with high marks across all categories, especially in customer satisfaction and claims handling, two critical aspects for seniors requiring a reliable insurance partner. This company makes it possible to secure comprehensive car insurance at an annual cost of $617 for a seniors policy. To obtain cheap car insurance for a senior in Nebraska, you might anticipate paying a premium that’s marginally higher than what younger demographics, such as those in their 30s to 50s, would typically face.
Car insurance rates for seniors in Nebraska and other states can be similar to those for middle-aged adults. MoneyGeek's analysis is based on senior drivers in their 60s, with the understanding that rates may increase for those in their 70s and 80s, reflecting the insurance industry's risk assessment with advancing age. It's not a reflection on driving ability but rather an industry standard.
Offers roadside assistance and rental car/travel reimbursement.
Ranks 1st for claims handling.
Ranks 2nd for affordability; average annual premium $617 for full coverage.
Ranks 7th for customer satisfaction.
Auto-Owners stands out with its exceptional satisfaction score of 30 (out of 35) and a coverage score of 10 (out of 10), resulting in a MoneyGeek Score of 91. The company maintains strong performances in other categories like affordability and claims handling. Its average annual premium is $617.
For seniors seeking coverage, the absence of specific benefits such as Roadside Assistance or Rental Car/Travel Reimbursement in Auto-Owners’ offerings might be notable. But the firm's scores belie its coverage strengths. A satisfaction score of 32 (out of 35) illustrates outstanding customer service, which can be invaluable for senior policyholders who prioritize reliable and responsive insurance support. The perfect coverage score of 10 highlights the comprehensive nature of the protection available, ensuring peace of mind for a wide range of insurance needs.
Auto-Owners is the best option in Nebraska for young adult drivers, topping the charts with a robust MoneyGeek score.
Auto-Owners stands out prominently in Nebraska with the highest score for drivers in their 20s, largely thanks to the company's exceptional satisfaction and claims handling scores. For young adults seeking to secure cheap car insurance in Nebraska, the annual premium with Auto-Owners would be around $894, which is a competitive rate considering that young adults often face higher premiums than more mature drivers.
It is generally more expensive to insure young adults due to their limited driving experience, which statistically poses a higher risk of accidents compared to older, more experienced drivers. Insurers respond to this heightened risk by charging greater premiums to mitigate potential losses stemming from claims.
Ranks 1st for claims handling.
Offers Good Student and Distant Student discounts.
Ranks 7th for customer satisfaction.
Auto-Owners stands out with exceptional scores in satisfaction (30 out of 35) and claims handling (20 out of 20), anchoring its high MoneyGeek Score. Despite not offering common discounts related to young drivers such as Good Student, Distant Student and Driver's Education, its robust performance in key areas such as affordability (26 out of 30) and coverage (10 out of 10) provides value for young adults not in school.
Auto-Owners excels in delivering valuable car insurance coverages. For instance, its Rental Car and/or Travel Reimbursement ensures that if your car is out of commission due to a coavered incident, you won't be stranded without transportation. Roadside Assistance offers peace of mind on the go, offering support for instances like a flat tire or a dead battery. These coverages provide not only convenience but also a sense of security, allowing drivers to feel protected in a wide range of situations.
Auto-Owners is the best option in Nebraska for drivers with driving offenses seeking quality car insurance.
Auto-Owners distinguishes itself as the top provider due to its high scores in customer satisfaction, claims handling and coverage options. MoneyGeek's evaluation reflects the experiences of various drivers, including those with speeding tickets, at-fault accidents and DUI infractions, emphasizing the importance of these factors in securing dependable car insurance. Specifically, for drivers with offenses looking to find cheap car insurance as a high risk driver in Nebraska, Auto-Owners offers an annual premium of $1,006, showcasing that competitive rates are still accessible, although often higher compared with drivers in other age brackets with clean records.
Car insurance rates tend to rise after traffic violations such as tickets, at-fault accidents, or DUIs due to the elevated risk associated with insuring drivers who have demonstrated risky behavior behind the wheel. Insurance companies may predict a higher likelihood of future claims, thus adjusting premiums accordingly to mitigate this risk.
Ranks 1st in state for claims handling.
Ranks 2nd in state for cost; average annual premium $1,006 for full coverage with offenses.
Offers roadside assistance, rental car/travel reimbursement and accident forgiveness.
Ranks 7th for customer satisfaction.
Auto-Owners achieves an outstanding MoneyGeek Score due to its high satisfaction (30 out of 35) and affordability (27 out of 30) ratings, pointing to a balance of cost and client contentment. Despite not listing specific coverages for drivers with a poor record, the company's strong performance in important categories ensures value and quality service. With an average annual premium of $1,006, Auto-Owners is a cost-effective choice for drivers with offenses, who typically face steeper rates.
Auto-Owners offers a solid foundation without specifying additional coverages like Roadside Assistance, Rental Car/Travel Reimbursement, Accident Forgiveness or New Car/Better Car Replacement. The high satisfaction and claims handling scores, both near-perfect, indicate that customers enjoy excellent service and efficient claims processing — a significant advantage for those with a less-than-stellar driving history seeking dependable coverage and peace of mind on the road.
MoneyGeek found that Farmers is the best option in Nebraska for drivers with new cars looking for reliable auto insurance.
Farmers stands out not only for its high MoneyGeek score but also because it provides essential coverages that MoneyGeek emphasizes for new car owners. It includes policies that offer New Car Replacement and/or Better Car Replacement. Without such options, you would only receive the current market value of your car, which takes depreciation into account. With an annual cost of $1,691, Farmers not only scores high according to the MoneyGeek's metrics of satisfaction, affordability, claims handling, coverage and stability but also provides peace of mind with its specialized coverage options.
Ranks well in state for general customer satisfaction.
Ranks well in state for claims handling.
Leads in state for cost, with an average annual premium of $1,691.
Offers New Car Replacement coverage.
Does not offer Gap Insurance.
Farmers leads with a high MoneyGeek Score, bolstered primarily by perfect marks in Satisfaction (35 out of 35) and Affordability (30 out of 30). The company offers New Car Replacement or Better Car Replacement coverage, allowing it to provide protection that resonates most with consumers. With an average annual paremium of $1,691, Farmers presents a blend of service and value.
Farmers' perfect satisfaction score underscores the company's attentive customer service and policyholder contentment. Similarly, the top affordability score reflects Farmers' competitive pricing that doesn't compromise on quality. Claims handling and coverage scores both achieve full marks, ensuring a swift and fair claims process, alongside robust policy options. Lastly, a stability score of 3 (out of 3) guarantees reliability, giving policyholders confidence in Farmers' financial strength and resilience.
Auto-Owners is the best option in Nebraska for military personnel seeking top-notch car insurance.
USAA is also a good option for those with a military background. But based on the MoneyGeek score, which values a balance of service quality and affordability, it did not win in Nebraska.
Auto-Owners distinguishes itself with exceptional service quality, boasting the highest satisfaction score among the companies listed. Additionally, its claims handling and coverage options are commendable. With its competitive annual premium of $646, Auto-Owners offers a balance between cost efficiency and comprehensive service for Nebraska's military drivers. For those particularly focused on rates, the cheapest car insurance in Nebraska for military drivers might also be worth exploring.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Ranks 2nd for affordability; average annual premium of $646 for full coverage.
Offers rare coverages like Diminished Value.
Auto-Owners achieves its top-ranking MoneyGeek Score primarily through exceptional claims handling and coverage, each scoring a perfect 20 and 10, respectively. USAA — exclusively catering to military families — may lead in other areas, but Auto-Owners excels overall with a competitive average annual premium of $646.
Offering robust protection to motorists, Auto-Owners provides standout common coverages, including Collision Insurance, which covers damage to your car from an accident regardless of fault. Comprehensive Insurance is another valuable option, safeguarding against non-collision-related damages like theft or weather events. Lastly, Liability Insurance is essential, covering costs if you're responsible for injuries or property damage in an accident. These coverages form a foundation for financial security on the road.
Powering Auto-Owners's high MoneyGeek Score are its substantial satisfaction score of 30 (out of 35) and its solid affordability rating of 27 (out of 30). These factors underline the company's commitment to fulfilling customer needs while balancing costs.
Nebraska's leading car insurance providers stand out for their blend of affordability, robust financial health and consistent excellence in customer service. MoneyGeek has thoroughly researched to simplify your selection process. However, if you opt to personally vet insurers, be ready to follow these steps to ensure you make an informed choice for your auto insurance needs:
Customer service excellence is important for car insurers in Nebraska, because it ensures a smooth experience during stressful times. Prospective policyholders are encouraged to consult independent data providers like JD Power and NAIC for comprehensive company evaluations. MoneyGeek's research identifies Auto-Owners Insurance Co as the top performer in Nebraska, with a customer satisfaction score of 39/45 and a claims handling score of 30/30.
In Nebraska, comparing quotes can lead to significant savings without compromising on service quality. Personal research is key to finding the most affordable options tailored to individual needs. MoneyGeek's findings suggest American National P&C offers the best minimum coverage at an annual premium of $163, presenting a cost-effective choice for Nebraskans.
The right coverages are integral to a car insurance policy's value. Consumers should diligently explore which insurers provide coverages that align with their requirements. According to MoneyGeek, American National P&C, Allstate, Farmers, Shelter, Auto-Owners and Progressive all offer a perfect coverage score of 10/10, indicating a comprehensive suite of key coverages.
Selecting an insurer with a strong financial stability rating is essential to mitigate the risk of claim non-payment due to financial instability. It's worth researching insurers with robust financial health. MoneyGeek awards a perfect stability score of 5/5 to Auto-Owners, State Farm, and GEICO, each having an A++ financial strength rating from A.M. Best, ensuring exceptional reliability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
American National P&C is the best cheap car insurance in Nebraska, with an annual premium for a minimum coverage policy at $163 and a MoneyGeek score of 84. While minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can find affordable full coverage options by comparing quotes.
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.
