Updated: November 14, 2024
Advertising & Editorial Disclosure
American National P&C is the cheapest car insurance option for most types of Nebraska drivers. Auto-Owners and Farmers Mutual of Nebraska are also affordable choices for other driver profiles.
If you’re looking for quality customer service without sacrificing cost, look for the best car insurance in Nebraska.
CheapestCar InsuranceNebraskaTable of Contents
Why Trust MoneyGeek? We gathered data from the Nebraska Department of Insurance and Quadrant Information Services to find the cheapest auto insurance for different types of drivers in Nebraska.
These rates reflect the cheapest car insurance quotes in Nebraska as of October 2024.
The companies with the cheapest car insurance for a minimum coverage policy in Nebraska are:
The most expensive car insurance for a minimum coverage policy is from Farmers, with an average premium of $882 per year.
A minimum coverage policy includes only bodily injury liability, property damage liability and protection for uninsured/underinsured motorists.
| American National P&C | $197 | $16 |
| Farmers Mutual of Nebraska | $302 | $25 |
| Progressive | $352 | $29 |
| GEICO | $365 | $30 |
| Auto-Owners Insurance Co | $400 | $33 |
| State Farm | $412 | $34 |
| Iowa Farm Bureau | $482 | $40 |
| Shelter | $494 | $41 |
| IMT Insurance Company | $519 | $43 |
| AAA | $632 | $53 |
| Allstate | $835 | $70 |
| Farmers | $882 | $73 |
A minimum coverage policy covers the damage or injuries you cause to other people. It doesn't cover damage or injuries to yourself and your car. On the other hand, a full coverage policy covers the costs of damage to your car since it includes comprehensive and collision insurance.
Find the Best Car Insurance in Nebraska for You
The amount of car insurance coverage you need depends on your preferences and insurance requirements.
The table above lists the lowest premiums for minimum coverage policy.
MoneyGeek’s choice for the best car insurance in Nebraska is based on our analysis on affordability and the quality of the insurer’s service.
We evaluated the cost of car insurance in Nebraska according to different driver profiles and personal factors.
The cheapest car insurance companies for a full coverage policy in Nebraska are:
AAA offers the most expensive full coverage policy at $1,620 per year.
Adding comprehensive and collision insurance to a policy may cost $347 more per year from American National P&C, but it gives you extra protection in case of a claim. It covers damage and injuries from on-road and off-road incidents.
| American National P&C | $544 | $45 |
| Auto-Owners Insurance Co | $833 | $69 |
| Farmers Mutual of Nebraska | $889 | $74 |
| GEICO | $1,031 | $86 |
| Shelter | $1,158 | $96 |
| IMT Insurance Company | $1,171 | $98 |
| Progressive | $1,192 | $99 |
| State Farm | $1,256 | $105 |
| Iowa Farm Bureau | $1,377 | $115 |
| Allstate | $1,478 | $123 |
| Farmers | $1,582 | $132 |
| AAA | $1,620 | $135 |
How much car insurance coverage you need impacts the cost of your policy. MoneyGeek used a sample full coverage with the liability protection of:
You can save money by decreasing your coverage limits, eliminating comprehensive and collision insurance or raising your deductible. However, these can adversely impact the protection you get from your policy.
Some insurers provide quotes on their websites, though it might take up to 15 minutes to get an estimate since you must provide personal information. You might also need to compare quotes from different websites, which can make the process take even longer.
MoneyGeek's car insurance calculator can give you an estimate of your premiums without providing any personal details. The estimate can serve as a starting point when looking for the cheapest car insurance.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Age is one of the biggest factors affecting car insurance rates. In Nebraska, Allstate offers the cheapest option for teens, while American National P&C is the most affordable for young adults and seniors.
The cheapest car insurance companies in Nebraska for teens on their parent’s policy are:
State Farm is the most expensive company for teens on their parent’s policy, with average annual premiums of $3,982 per year for males and $3,119 per year for females.
Since car insurance rates for teens decrease with age, 19-year-olds can expect to have the lowest quotes. In Nebraska, the car insurance provider offering the lowest rate for 19-year-old males is Auto-Owners, at $1,467 annually.
In general, teens pay more to have their own policy than to be added to their parents' coverage. The average premium for an individual policy for male teens in Nebraska is $5,925 per year, but it costs only around $2,917 per year to be added to a parent’s policy. Teenage drivers can save an average of $3,008 per year if they’re covered under their parents' policy.
| Allstate | $1,961 | $6,067 |
| Auto-Owners Insurance Co | $2,307 | $2,126 |
| Progressive | $2,434 | $6,534 |
| GEICO | $2,614 | $3,948 |
| Farmers | $2,619 | $8,013 |
| State Farm | $3,119 | $4,356 |
On average, car insurance rates for male teens are significantly more expensive than female teens. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Families can save money on car insurance by getting discounts for young drivers. Allstate, Auto-Owners, Farmers, Progressive and State Farm offer distant student and good student discounts, while GEICO provides a good student discount.
The cheapest car insurance companies in Nebraska for drivers in their 20s are:
The most expensive company for young adults is AAA, which costs an average of $2,268 annually for drivers in their 20s.
Middle-aged drivers typically pay less for car insurance than young adults because insurers see them as more experienced. A full coverage policy for a young driver costs an average of around $315 more than the same policy for a middle-aged driver.
| American National P&C | $663 | $55 |
| GEICO | $1,134 | $94 |
| Auto-Owners Insurance Co | $1,155 | $96 |
| Farmers Mutual of Nebraska | $1,233 | $103 |
| Iowa Farm Bureau | $1,484 | $124 |
| Progressive | $1,497 | $125 |
| IMT Insurance Company | $1,498 | $125 |
| State Farm | $1,613 | $134 |
| Allstate | $1,737 | $145 |
| Shelter | $1,761 | $147 |
| Farmers | $1,867 | $156 |
| AAA | $2,268 | $189 |
The cheapest car insurance companies in Nebraska for senior drivers are:
Farmers offers the most expensive car insurance for seniors, at $1,645 per year.
In Nebraska, a full coverage policy costs an average of $68 more per year for middle-aged drivers than it does for seniors. The difference between their rates depends on the insurer. Premiums may rise once a driver reaches their 70s or 80s.
| American National P&C | $515 | $43 |
| Farmers Mutual of Nebraska | $788 | $66 |
| Auto-Owners Insurance Co | $804 | $67 |
| Shelter | $944 | $79 |
| Progressive | $1,095 | $91 |
| IMT Insurance Company | $1,124 | $94 |
| GEICO | $1,140 | $95 |
| State Farm | $1,160 | $97 |
| Iowa Farm Bureau | $1,216 | $101 |
| Allstate | $1,417 | $118 |
| AAA | $1,469 | $122 |
| Farmers | $1,645 | $137 |
Some insurers, such as Allstate, Farmers and GEICO, offer discounts for senior drivers. You can also save money by comparing rates from different insurers to find the most affordable one. Remember that many factors, including age, affect your policy's cost.
American National P&C provides the cheapest car insurance in Nebraska after a ticket, an accident or a DUI. Farmers Mutual of Nebraska has the lowest rates for drivers with poor credit. Auto-Owners Insurance Co is the most affordable for sports car drivers.
The cheapest car insurance companies in Nebraska for drivers with speeding tickets are:
AAA is the most expensive company for drivers with speeding tickets. Its average premium is $2,453 per year.
Drivers with tickets pay around $323 more per year for their car insurance than drivers with clean records.
| American National P&C | $621 | $52 |
| Farmers Mutual of Nebraska | $1,019 | $85 |
| GEICO | $1,076 | $90 |
| Auto-Owners Insurance Co | $1,090 | $91 |
| IMT Insurance Company | $1,361 | $113 |
| State Farm | $1,385 | $115 |
| Progressive | $1,495 | $125 |
| Allstate | $1,616 | $135 |
| Iowa Farm Bureau | $1,742 | $145 |
| Farmers | $2,022 | $169 |
| Shelter | $2,128 | $177 |
| AAA | $2,453 | $204 |
On average, the cheapest car insurance companies in Nebraska for drivers with an at-fault accident are:
AAA is the most expensive company for drivers with an at-fault accident, with an average premium of $2,610 per year.
The average cost of car insurance for a driver with an at-fault accident is $641 more expensive than a policy for a driver with a clean record.
| American National P&C | $702 | $59 |
| Auto-Owners Insurance Co | $988 | $82 |
| Farmers Mutual of Nebraska | $1,131 | $94 |
| State Farm | $1,484 | $124 |
| Allstate | $1,810 | $151 |
| Progressive | $1,907 | $159 |
| GEICO | $1,957 | $163 |
| Iowa Farm Bureau | $2,139 | $178 |
| Farmers | $2,314 | $193 |
| Shelter | $2,376 | $198 |
| IMT Insurance Company | $2,399 | $200 |
| AAA | $2,610 | $217 |
The cheapest car insurance companies in Nebraska for drivers with a DUI are:
AAA offers the most expensive policy for drivers with DUI, with an average premium of $5,960 per year.
The average cost of car insurance for drivers with a DUI is around $1,132 more expensive than a policy for a driver with a clean record.
| American National P&C | $772 | $64 |
| Progressive | $1,338 | $111 |
| State Farm | $1,385 | $115 |
| Auto-Owners Insurance Co | $1,839 | $153 |
| Allstate | $1,840 | $153 |
| Farmers Mutual of Nebraska | $1,845 | $154 |
| IMT Insurance Company | $2,085 | $174 |
| Farmers | $2,221 | $185 |
| Shelter | $2,645 | $220 |
| Iowa Farm Bureau | $2,809 | $234 |
| GEICO | $2,980 | $248 |
| AAA | $5,960 | $497 |
The cheapest car insurance companies in Nebraska for drivers with poor credit are:
State Farm has the most expensive car insurance for people with poor credit, with an average annual premium of $5,614.
On average, drivers with good credit scores (over 750) pay $1,279 less per year on their policy than drivers with poor credit (under 580).
| Farmers Mutual of Nebraska | $1,343 | $112 |
| IMT Insurance Company | $1,593 | $133 |
| GEICO | $1,706 | $142 |
| American National P&C | $1,835 | $153 |
| Shelter | $2,158 | $180 |
| Allstate | $2,332 | $194 |
| Auto-Owners Insurance Co | $2,460 | $205 |
| AAA | $2,498 | $208 |
| Farmers | $2,548 | $212 |
| Iowa Farm Bureau | $2,630 | $219 |
| Progressive | $2,759 | $230 |
| State Farm | $5,614 | $468 |
Drivers with poor credit may pay higher rates since insurers found that they have a higher chance of filing claims. Nebraska allows this pricing system, but other states don't.
Improving your credit score might help you receive better rates, although it can take some time. Comparing rates and using discounts are short-term solutions to saving money on your policy.
The cheapest car insurance companies for drivers in Nebraska with a sports car are:
State Farm is the most expensive company for sports cars, with an average premium of $1,562 per year.
Sports car drivers pay more for coverage because repairs or replacements are costlier. In Nebraska, insuring a sports car costs $182 more than insuring a Toyota Camry.
| Auto-Owners Insurance Co | $830 | $69 |
| Allstate | $1,340 | $112 |
| Farmers | $1,437 | $120 |
| GEICO | $1,472 | $123 |
| Progressive | $1,518 | $127 |
| State Farm | $1,562 | $130 |
MoneyGeek used a Ford Mustang as its sample sports car, but costs vary by model. Generally, insuring sports, electric and luxury cars is more expensive. However, this may not be true in all states.
American National P&C is Nebraska's cheapest car insurance company for active-duty military or veterans, with an annual average premium of $544.
USAA is worth considering, as it serves military members and their families. A USAA policy averages $987 annually and is available in all states.
Your car insurance costs can vary depending on your location in Nebraska. Insurers may charge more if you live in an area with higher rates of theft, accidents or vandalism.
In Lincoln, a full coverage policy from American National P&C costs about $508 per year. In Omaha, the same policy can cost around $649 per year.
When shopping for car insurance, consider your location along with other personal factors. Comparing rates from different insurers can help you find the best rate within your budget.
Drivers must meet the state's minimum requirements for car insurance. This usually includes bodily injury liability (BIL) and property damage liability, although Nebraska also requires uninsured/underinsured motorist coverage.
In Nebraska, you only need to meet the minimum insurance requirements, which include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.
Minimum coverage insurance is less expensive than full coverage, but it also pays less in the event of an accident. MoneyGeek recommends the most liability insurance limit that your budget can accommodate.
If you have a severe driving violation, you may need SR-22 insurance. Also, your coverage requirements may increase.
Bodily injury liability
The expenses for treating a person you injure in an at-fault accident fall within your bodily injury liability coverage. It frequently includes medical expenses, lost wages, legal fees and counsel and other expenses. The injuries of the policyholder are not covered. In Nebraska, the minimum requirements are $25,000 in coverage per person and $50,000 in coverage per accident.
Property damage liability
In an at-fault accident, property damage liability will cover the cost of repairing the other person's car or property. It covers any harm done to their vehicle, house, structure or other things that may have been damaged. In Nebraska, the minimum coverage required is $25,000 per accident. Anything in excess of this must be paid out of your own pocket.
Uninsured/Underinsured motorist coverage
This coverage takes effect if you’re in an accident where you’re not at fault and the other driver is either uninsured or underinsured. Through this coverage, the remaining uncovered cost by their insurance can be supplemented by your policy. The minimum coverage requirements in Nebraska are $25,000 per person and $50,000 per accident.
MoneyGeek suggests purchasing a policy with $100,000 bodily injury liability insurance per person, $300,000 bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.
If you financed your car, your lender might require you to get comprehensive and collision insurance. Damage to your vehicle that is the result of collisions is covered by collision insurance. Otherwise, the damage sustained by your car is covered by comprehensive insurance.
Comprehensive and collision insurance might be helpful for you if you drive a valuable car.
If you’re unable to get a car insurance policy in Nebraska, you can turn to the Nebraska Automobile Insurance Plan, surety bonds and securities. These can serve as compliance with state laws on insurance, especially if your circumstances hinder insurance companies from approving your applications.
The Nebraska Automobile Insurance Plan provides insurance for drivers who cannot get a policy from the voluntary market.
You may also post a bond of $75,000, guaranteed by a surety or a real estate property. It can also be in cash that you need to deposit to the Treasurer. If your liability exceeds the amount of the bond during an accident, you need to pay the excess of your expenses or liabilities. The liabilities of the bond are subject to limits imposed by law.
As much as possible, it's best to get a policy from an authorized insurance company. It lessens the personal risks and costs in case of an accident. Nevertheless, staying informed of Nebraska’s insurance regulations can help you avoid further liabilities and penalties.
Drivers searching for car insurance may have questions about the costs and other features of their policies. MoneyGeek answered some common questions about car insurance in Nebraska.
The cheapest car insurance company in Nebraska is American National P&C, at an average of $197 annually for minimum coverage and $544 per year for full coverage. The average cost of car insurance in Nebraska is $1,166 per year for full coverage.
The cheapest company isn’t always the best. The right policy depends on your personal and financial factors. The most affordable option might not offer the coverage you need, so explore your options first. You might find a good balance of quality and affordability with Auto-Owners, the best car insurance company in Nebraska.
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.
