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The Cornhusker State of Nebraska has a population of about 1.9 million according to the U.S. Census, but there are about 2.5 million registered vehicles on its roads, according to the state DMV. Although only 1.1 million of those are regular passenger vehicles and 380,000 are trucks for commercial and farm work, everybody needs to insure their vehicles.

On average, Nebraskans have rates in our study that are a few hundred dollars lower than national averages, our analysis found. While an average driver profile in Nebraska pays $1,155 for car insurance annually in Nebraska, the national average is $1,320.

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USAA offers the cheapest average representative rates both in the U.S. and in Nebraska, but caters to customers who have military affiliations. Average driver profiles pay $800 for USAA in Nebraska and $895 across the nation, our study found. Other cheap options include State Farm and Nationwide, which on average cost $1,030 and $1,015 in Nebraska – well below the national averages from State Farm and Nationwide, which are $1,260 and $1,530 respectively. 

Car insurance rates can vary by gender, age, record, credit score, city of residence and other factors. Other types of vehicles on Nebraska’s roads aside from the passenger vehicles and trucks include 184,500 trailer vehicles for utility farm or commercial work, 40,000 mobile homes, 50,000 motorcycles, 2,300 buses, and 800 snowmobiles, which can also vary car insurance quotes – but discounts can be awarded by bundling multiple vehicles or types of coverage. 

Cheapest Car Insurance Companies in Nebraska

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from eight largest car insurance companies in the nation, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Nebraska

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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How Much Does Car Insurance Cost in Nebraska?

It’s about average for Nebraskan driver profiles to pay a study rate of $1,155 annually for car insurance, our study found. That’s a savings of about $170 compared to the national average rate of $1,320.

The average representative rates come from the top national car insurance companies used in the study, with study premiums ranging from $799 with USAA to $1,420 with Allstate in Nebraska. Farmers is also pricey, with an average annual representative cost of $1,410, according to our study.

Other cheap providers besides USAA, which only caters to military-affiliated customers, include Nationwide and State Farm, both of which have representative costs less than $1,050 for the average driver profile in our study.

The rates mentioned in this article are only representative averages, not the exact amount Nebraskan drivers should expect to pay. A wide range of factors contribute to the premiums charged by car insurance companies.

Nebraska Car Insurance Rates by Age

To find out how much car insurance costs in Nebraska are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and female drivers of the 2015 Honda Civic, 2015 Ford F-150, and 2015 Toyota RAV4.

In Nebraska, car insurance is most expensive for the 25-year-old male driver profile, who on average paid $1,360 a year. USAA, Geico, and State Farm are the top three cheapest car insurance options for the 25-year-old man here, with representative rates ranging from $1,030 to $1,240.

Women driver profiles who are 25 years old pay $1,270 annually on average in Nebraska, according to our study. For this driver profile, USAA costs $925 and State Farm, Nationwide, and Geico are all in the affordable $1,100 range.

The 35-year-old driver profiles in Nebraska pay similar study rates averaging $1,135 regardless of their gender identities. USAA is the cheapest for these profiles, with a study premium averaging $740. Nationwide is the next cheapest for these profiles, at an average representative rate in the $900 range, and State Farm and Geico have average annual costs in the $1,100 range here. 

Nebraska’s 60-year-old average driver profiles pay the least across age groups, with the male profile paying an average of $1,030 and the female profile $1,010 yearly. USAA, State Farm, Progressive, and Nationwide all clock in under $950.

Farmers and Allstate are the most expensive national car insurance providers in Nebraska by about $200 for age groups and genders across the board.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,620.75

$1,587.96

$1,354.79

$1,413.03

$1,274.96

$1,263.35

American Family

$1,345.37

$1,240.78

$1,297.22

$1,297.22

$1,177.27

$1,177.27

Farmers

$1,687.84

$1,596.06

$1,369.01

$1,376.71

$1,253.01

$1,173.85

Geico

$1,133.60

$1,122.21

$1,179.02

$1,160.23

$1,103.04

$1,160.31

Nationwide

$1,274.90

$1,150.23

$993.45

$951.17

$897.22

$813.83

Progressive

$1,532.51

$1,423.07

$1,105.39

$1,155.13

$952.76

$909.89

State Farm

$1,239.01

$1,116.98

$1,015.48

$1,015.48

$899.47

$899.47

USAA

$1,029.65

$925.11

$740.80

$741.05

$689.56

$668.34

Nebraska Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were men and women drivers aged 25, 35, and 60 with medium insurance coverage, a clean driving record, and 12,000 miles of annual driving. We studied the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 vehicles.

Average driver profiles with good credit paid an average study rate of $1,155 annually in Nebraska. That’s about $800 cheaper than the $1,980 our study found average drivers with poor credit paid.

USAA is the most affordable for the profiles with good and fair credit, with study rates of $800 and $970, respectively. Nationwide had the lowest study rate for the profile with poor credit, at $1,420.

Geico is also affordable for average driver profiles with poor credit, keeping study costs under $2,000, while Nationwide and State Farm are the most affordable for average driver with good credit, staying below $1,050 according to our study.

Company

Good

Fair

Poor

Allstate

$1,419.14

$1,609.68

$2,100.04

American Family

$1,255.86

$1,550.35

$2,274.93

Farmers

$1,409.41

$1,590.27

$2,370.15

Geico

$1,143.07

$1,407.75

$1,797.62

Nationwide

$1,013.47

$1,141.11

$1,422.18

Progressive

$1,179.79

$1,498.77

$2,217.98

State Farm

$1,030.98

$1,325.84

$2,206.18

USAA

$799.09

$969.35

$1,455.74

Nebraska Car Insurance Rates by Driving Record

We analysed the effect a driving record can have on car insurance rates in Nebraska, using men and women driver profiles ages 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. Our study used the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Driver profiles in Nebraska paid an average study rate of $1,155 with clean records, ranging up to $1,450 with one speeding violation, $1,665 with one accident, and $1,890 with one DUI. 

USAA is the most affordable for the profile with a clean record, one speeding ticket, or one accident, with average study rates of $800 to $1,100 across the categories. For the profile with a DUI, State Farm is the cheapest option, at $1,100. 

Farmers and Allstate have the most expensive study rates for average driver profiles with a clean record in Nebraska, costing about $1,400. Nationwide and State Farm are some of the most affordable insurers for drivers with clean records, costing about $1,000.

Our profiles with one DUI in Nebraska should steer clear of Geico and Nationwide, because our study found these two insurers cost average driver profiles study rates of $3,334 and $2,648 respectively.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,419.14

$1,551.12

$1,663.02

$1,822.96

American Family

$1,255.86

$1,255.86

$1,439.86

$1,255.86

Farmers

$1,409.41

$1,793.21

$1,969.70

$1,904.74

Geico

$1,143.07

$2,262.36

$2,114.25

$3,333.70

Nationwide

$1,013.47

$1,205.09

$1,703.75

$2,647.94

Progressive

$1,179.79

$1,480.89

$2,153.49

$1,417.97

State Farm

$1,030.98

$1,100.89

$1,170.70

$1,100.89

USAA

$799.09

$940.84

$1,099.78

$1,618.66

Nebraska Car Insurance Rates by Coverage Type

We also wanted to determine how much coverage type can cause insurance rates to vary. We used driver profiles in three categories: low, medium, and high coverage. The profiles were men and women drivers aged 25, 35, and 60 with medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. We studied the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Coverage types from low to high only affect the study rates charged to our average Nebraskan driver profile in our study by $60. USAA is the cheapest (with representative premiums ranging from $770 to $830), followed by State Farm and Nationwide, costing average driver profiles in the $1,000 range across all three categories. Allstate and Farmers are on the expensive side, costing around $1,400.

An increase in study rates of only about $60 per year from low to high coverage is probably worth it considering how much more you could end up paying if you cause an accident and have the bare minimum level of coverage.

Company

Low

Medium

High

Allstate

$1,388.45

$1,419.14

$1,459.02

American Family

$1,206.52

$1,255.86

$1,202.21

Farmers

$1,373.56

$1,409.41

$1,474.58

Geico

$1,112.71

$1,143.07

$1,179.48

Nationwide

$1,028.95

$1,013.47

$1,014.96

Progressive

$1,129.48

$1,179.79

$1,242.27

State Farm

$988.89

$1,030.98

$1,084.55

USAA

$772.80

$799.09

$832.49

Nebraska Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance representative rates in Nebraska: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered men and women who are 25, 35, and 60 years old with a medium level of insurance coverage, a good credit score, and a clean driving record. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were used in the study.

There is a $30 difference between Nebraskan driver profiles who commute 6,000 miles on an annual basis and paid an average study rate of $1,120 compared to those who commute 12,000 miles and paid $1,150, our study found.

USAA, State Farm, and Nationwide are the national insurers on the affordable side in Nebraska, with averages under or around $1,000 for both profiles. The most expensive average study rates are from Farmers and Allstate, clocking in at around $1,400 in Nebraska regardless of annual mileage, according to our study.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,419.14

$1,419.14

American Family

$1,220.98

$1,255.86

Farmers

$1,409.41

$1,409.41

Geico

$1,032.72

$1,143.07

Nationwide

$1,013.47

$1,013.47

Progressive

$1,179.80

$1,179.79

State Farm

$930.10

$1,030.98

USAA

$764.26

$799.09

Nebraska Car Insurance Rates by City

We checked our study's driver profiles in some of Nebraska's largest cities to find out how a driver’s city of residence can affect insurance study rates. Our profiles are based on 25-, 35-, and 60-year-old men and women who have a clean driving record, drive 12,000 miles of mileage per year, hold a medium level of insurance coverage, and have a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

In Nebraska’s top 10 cities, Omaha stands out as the most expensive, followed by North Platte, with average study rates of $1,230 and $1,175, respectively. According to our study, Bellevue’s average study rate is $1,120, but all the others fall below the $1,100 mark.

Omaha is the biggest city in Nebraska with a population of nearly half a million according to the U.S. Census, and generally denser urban areas have higher car insurance rates due to higher crime, traffic or likelihood of an accident.

City

Average Rate

Omaha

$1,232.72

Lincoln

$1,051.55

Bellevue

$1,122.53

Grand Island

$1,060.72

Kearney

$1,086.83

Fremont

$1,091.40

Hastings

$1,092.81

Norfolk

$1,084.45

North Platte

$1,176.93

Columbus

$1,064.88

Nebraska Auto Insurance Minimum Coverage Requirements 

Nebraska’s minimum auto insurance coverage requirements include common liability insurance required in many states. However, Nebraska also requires personal injury protection. The minimum car insurance coverage required by Nebraska is as follows:

  • Bodily injury liability: $25,000 per person, $50,000 per accident

  • Property damage liability: $25,000

  • Personal injury protection: $50,000 per person

Bodily injury liability insurance pays the medical costs of other people hurt in an accident you caused. Personal injury protection covers your own medical costs after an accident. Property damage liability insurance pays for the repairs of a damaged vehicle owned by the other person in an accident you caused.

Cheapest Car Insurance in Nebraska

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Geico

Single Female Young Adult Drivers

State Farm

Married Adult Drivers

Nationwide

Senior Drivers

Nationwide

Drivers with Good Credit

Nationwide

Drivers with Poor Credit

Nationwide

Drivers with a Clean Record

Nationwide

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

Nationwide

Drivers with Low Coverage

State Farm

Drivers with High Coverage

Nationwide

Drivers with Used Cars

Nationwide

Drivers with New Cars

Nationwide

To find which car insurance company offers the lowest rates in Nebraska, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our driver profiles included male and females ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

While the average profile driver in our study pays $1,155 for car insurance a year in Nebraska, our profiles that are members of the military, veterans, or their families can get an average study rate as low as $800 from USAA.

Other national car insurance providers with cheap representative premiums in Nebraska include State Farm and Nationwide, which cost our average driver profiles below $1,050 annually.

As for the most expensive car insurance, our study found Allstate charged average driver profiles a study rate of $1,420 a year in Nebraska. Farmers wasn't much cheaper, at about $1,410.

Why Car Insurance Rates Vary in Nebraska

The highest risk drivers pay the highest car insurance rates, regardless of the state they live and drive in. The Quadrant Information Services study shows that inexperienced drivers, those in high risk areas, or those who have a history of poor driving or financial irresponsibility pay the highest premiums. Older drivers with good credit history and good driving records pay lower rates because they are less likely to be involved in an accident.

Generally, car insurance providers charge higher rates in dense, urban areas such as Omaha because the chance of heavy traffic and accidents goes up. Sure enough, our study found Omaha and North Platte to have the most expensive average care insurance costs for our average driver profile. 

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How to Get the Cheapest Car Insurance in Nebraska

Most major insurers offer discounts on car insurance for those who bundle policies, such as home or renters, life and auto insurance. Having more than one car in your household on your policy or combining your car insurance with your homeowners or renters insurance can lower your rates. Younger drivers on the policy can also sometimes qualify for a good student discount. Read more about the cheapest car insurance companies for young drivers to find even more ways to save when you add a young driver to your policy.

Shop around when you're looking for a new car insurance policy, because the best way to know you're getting the cheapest rate for the best coverage is to compare quotes from different insurance providers

The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. However, once you have an accident or a citation rates usually rise significantly. 

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Important Laws Around Auto Insurance in Nebraska

Nebraska uses a modified comparative fault system, which means damages are paid back in proportion to your level of fault. Drivers who experience accidents should first try to recover damages from the insurance company of the driver at fault by proving any fault you had in the accident is less than theirs. The court can reward you damages in proportion to your percentage of fault.

Nebraska allows digital insurance cards as acceptable proof of financial responsibility.

All states in the U.S. and D.C. prohibit driving under the influence. In Nebraska, fines and penalties are very high: drivers convicted of DUIs have to pay for mandatory alcohol assessment, and could be ordered to attend alcohol treatment programs on their own dime.

For the first offense, penalties can include at least seven days or up to 60 days in jail, a $500 fine, and license suspension up to one year. If a driver is convicted of three DUIs within 15 years, any further convictions within that time period is a felony DUI. The consequences include mandatory 180-day minimum jail sentence and a 15-year license revocation.

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Nebraska Driving Laws and Punishments

In Nebraska, the law does not allow using handheld devices while driving to read, write or send communication. However, Nebraska treats the texting ban with secondary enforcement, so a driver can only be cited for it if they were pulled over for a different violation.

The fine for texting and driving in Nebraska is $200 for the first offense, $300 for the second offense, and $500 for the third or more offenses.

Nebraska’s DUI and blood alcohol concentration laws begin at 0.02% for drivers under the age of 21, for whom there is a zero tolerance for underage driving under the influence. Young drivers could see a DUI charge.

The usual 0.08% BAC applies to most drivers in Nebraska, where DUIs can result in a minimum license suspension of 90 days upon the first offense, but up to 15 years on the third offense if convicted. Nebraska also has mandatory alcohol assessment, and alcohol abuse treatment and education at the court’s discretion. Your vehicle will not be confiscated after a DUI in Nebraska, but the state could require you to install an ignition interlock device.

Nebraska Car Insurance FAQs

Is car insurance required in Nebraska?

Yes, the minimum coverage requirements in Nebraska are $25,000 liability insurance for property damage, $25,000 liability insurance for bodily injury or death to one person in an accident, $50,000 liability insurance for bodily injury or death per accident, and $50,000 personal injury protection. 

Which cars are required to be insured in Nebraska?

All motor vehicles operated on public roadways in Nebraska are required to have car insurance.

When should I get car insurance in Nebraska?

You need to get car insurance before you can register your car in Nebraska. The state requires vehicles to be registered within the first 30 days of the purchase date, and proof of insurance is required upon registration.

What happens if my car is not properly insured in Nebraska?

Without proper car insurance, a driver’s license could be suspended, revoked, or impounded.

Is Nebraska a no-fault state?

No, Nebraska uses a modified comparative fault system, where the insurance company or court can reduce your damages in proportion to your level of fault. Under Nebraska personal injury law, a person is only at fault if their negligence caused the accident. The state requires drivers to try to recover damages first from the insurance company of the driver most at fault. To successfully recover your damages in case of an accident, it’s up to you to prove any fault you had in the accident is less than the fault of all other drivers against whom you are seeking recovery.

Do I need uninsured motorist coverage in Nebraska?

No, uninsured motorist coverage is not part of Nebraska’s car insurance requirements. 

Is liability insurance required in Nebraska?

Yes, Nebraska requires liability insurance. Nebraska’s minimum liability coverage is $25,000 for property damage, $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $50,000 for personal injury protection.

Does Nebraska accept digital insurance cards?

Yes, Nebraska accepts digital insurance cards. This can be an app from your car insurance company or an image of your insurance card.