Cheapest Car Insurance in Nebraska

The cheapest car insurance in Nebraska is offered by American National P&C, averaging just $16 monthly or $197 annually for minimum coverage. This rate is a substantial save of $292 a year compared to the state's average. These rates, sourced from Quadrant Information Services, represent the most affordable options in Nebraska as of December 2024. Read our research methodology to learn about how we found the cheapest Nebraska car insurance.

The cheapest car insurance company for many drivers in Nebraska is American National P&C, with an average monthly rate of $31 for minimum coverage. This is much lower than the state average of $42. Other affordable options include Farmers Mutual, Auto-Owners, GEICO and Progressive.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

American National P&C offers the cheapest car insurance for most drivers in the Cornhusker State, covering both minimum and full coverage. Your rate might differ based on your background. Below, we highlight the cheapest rates for various driving profiles.

Read More: Cheapest Car Insurance

American National P&C offers the cheapest rate for minimum coverage at $16 per month. Farmers Mutual of Nebraska, Progressive and GEICO also provide affordable options. Use the table below to explore rates for similar companies and see how they stack up against the monthly state average of $42.

American National P&C offers the cheapest full coverage auto insurance in Nebraska, with rates averaging $45 per month or $544 per year, much lower than the state's average cost.

In Nebraska, young adult drivers get the best rates with American National P&C. A minimum coverage policy costs just $19 per month for 25-year-olds.

To determine the cheapest provider, we pulled quotes for minimum coverage policies for a 25-year-old driver with good credit and no driving violations.

Young drivers in Nebraska can find affordable auto insurance with American National P&C, offering minimum coverage for just $19 per month. Rates can vary based on driving history and other factors, but the companies and rates below are a good starting point for finding the cheapest options.

Read More: Cheapest Car Insurance for Young Drivers

Nebraska's senior drivers can find affordable rates with American National P&C. They offer minimum coverage at just $19 per month for 65-year-old drivers.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

For affordable car insurance in Nebraska, American National P&C often offers the cheapest rates for minimum and full coverage. Farmers Mutual of Nebraska is a good choice for those with bad credit. Rates may vary, so use the table below to guide your insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in Nebraska with a DUI, at-fault accident or speeding ticket are seen as "high-risk" by insurers, leading to higher insurance costs than those with a clean record. Depending on the offense, premiums for high-risk drivers vary. Below are the best rates for drivers with these offenses.

American National P&C offers the best rates for Nebraska drivers with DUIs, averaging $26 per month ($311 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Nebraska.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $23 per month ($276 per year), American National P&C is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents. Rates are for a minimum coverage policies.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

American National P&C offers the cheapest insurance for drivers with a speeding ticket, averaging $20 per month. Check the table below to compare providers offering state minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.*

American National P&C is the cheapest car insurance provider for drivers with poor credit scores, offering rates of $20 monthly and $236 annually for minimum coverage. Check the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your location plays a big part in your car insurance rates. Even in the same state, costs can vary between cities due to factors like population density, risk of floods and crime rates.

For example, American National P&C charges $18 a month for state minimum coverage in Lincoln, but the same policy costs $22 in Omaha. Check out the table below to see the most affordable car insurance in your city and the lowest average monthly rate.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

Nebraska's most affordable bundle home and auto insurance option is MetLife at $2,401. In the table below you can view more cheap companies for bundling home and auto policies.

Rates are for a 40-year-old driver with good credit and no driving violations

In Nebraska, the monthly average cost for full coverage car insurance is $98, while state minimum coverage averages at $41. Understanding the average cost of car insurance in Nebraska helps you see if you're getting a fair price on your policy.

In Nebraska, your city sways car insurance costs. Below, see average rates for state minimum and full coverage across Nebraska.

Car insurance in Nebraska ranks 33rd in cost compared to other states, making it more affordable than many places. The state's lower car insurance prices can be attributed to its low population density, fewer natural disasters and a vehicle theft rate that's below the national average.

In Nebraska, all drivers must carry car insurance policies that comply with the state's minimum coverage limits. These limits include bodily injury liability of $25,000 per person and $50,000 per accident, and property damage liability of $25,000 per accident. Additionally, uninsured/underinsured motorist coverage is required at $25,000 per person and $50,000 per accident. 

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to minimum liability coverages. Although a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations like speeding or drunk driving may need to file for SR-22 insurance, which can increase your premium. In Nebraska, either you or your insurance company can submit the SR-22 form. It's valid for 3 years from your most recent offense.

In Nebraska, a common car insurance alternative is a surety bond. This involves a third party guaranteeing payment for claims, ensuring you meet the state's minimum coverage requirements.

For business owners, self-insurance is an option. If you have a fleet of vehicles, you can demonstrate financial capacity to cover potential claims, thus meeting insurance obligations.

MoneyGeek recommends that drivers get full coverage car insurance. This means you're covered with liability, collision, and comprehensive insurance. For liability coverage, we suggest these limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damage to your car from things like theft, vandalism, or bad weather. Collision coverage helps pay for repairs if your car is damaged in a crash on the road.

If you own a pricier car, it's smart to get both comprehensive and collision insurance, even though it's not required by law. When picking your deductible for these coverages, think about what you can comfortably pay before your insurance covers the rest.

American National P&C gives Nebraska drivers the cheapest full coverage at $45 and minimum coverage at $16. Cheap rates are tempting, but remember, the least expensive option may not be the best for car insurance. Experts advise investing in as much coverage as you can afford for solid financial protection while driving.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Nebraska to ensure you get the right coverage for your situation.

MoneyGeek obtained Nebraska auto insurance rates from the Nebraska Department of Insurance and Quadrant Information Services. We examined 20,871 auto insurance quotes from 13 providers across 27 ZIP codes to determine the most affordable car insurance companies in Nebraska.

Nebraska Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Nebraska:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Nebraska

We compared car insurance companies in Nebraska that offer both minimum and full coverage policies. The minimum coverage liability limits in Nebraska are:

• $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

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Nebraska

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible