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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. Only 1.1 million of those are regular passenger vehicles, 380,000 are trucks for commercial and farm work. Other types of vehicles on Nebraska’s roads include 184,500 trailer vehicles for utility farm or commercial work, 40,000 mobile homes, 50,000 motorcycles, 2,300 buses, and 800 snowmobiles.

No matter what you drive, you probably need to insure it. Read on to learn about the cheapest auto insurance companies in Nebraska and which one might be the best fit for you.

Cheapest Car Insurance Companies in Nebraska

How We Found the Cheapest Car Insurance Companies

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Our Study Rates

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For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine 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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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. 

How Much Does Car Insurance Cost in Nebraska?

See the Cheapest Car Insurance Companies

According to our study, the average Nebraska driver profile pays $1,208 annually for car insurance. That’s about $200 less than the national average rate of $1,416.

The average representative rates among the eight companies in our study ranged from $874 with USAA to $1,507 with Farmers. American Family and Allstate were also on the high end, with average representative rates of $1,407 and $1,403, respectively.

Besides USAA, other cheap providers included Nationwide and State Farm. Nationwide had average representative rates of $1,017, while State Farm was close behind with study rates of $1,045.

Nebraska Car Insurance Rates by Age

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

$1,596.20

$1,567.87

$1,341.91

$1,398.38

$1,265.54

$1,251.05

American Family

$1,550.62

$1,432.00

$1,432.00

$1,432.00

$1,299.04

$1,299.04

Farmers

$1,803.37

$1,707.37

$1,463.97

$1,472.88

$1,341.59

$1,255.38

Geico

$1,141.25

$1,803.20

$1,187.01

$1,168.27

$1,111.05

$1,168.40

Nationwide

$1,276.39

$1,150.00

$1,001.32

$955.59

$901.33

$815.88

Progressive

$1,496.21

$1,387.88

$1,079.19

$1,125.10

$928.08

$887.25

State Farm

$1,253.82

$1,132.75

$1,030.61

$1,030.61

$909.92

$909.92

USAA

$1,146.50

$1,050.98

$804.10

$792.60

$732.00

$720.48

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In Nebraska, as in most states, younger men should expect to pay more for car insurance than older men and women. Our 25-year-old male driver profile found representative rates of $1,410 a year on average. USAA, Geico, and State Farm were the three cheapest car insurance options for this driver profile, with representative rates ranging from $1,145 to $1,255. Those rates are between 19% and 11% below the state average.

The 25-year-old female driver profile had cheaper representative rates according to our study, though sometimes not by much. For this driver profile, USAA cost $1,051 on average, while State Farm and Nationwide were next in line, at $1,133 and $1,150, respectively. Those last two are about 20% below the state average for this demographic.

The older you get, the more your rates tend to drop. Male and female 35-year-old driver profiles had similar average study rates of $1,168 and $1,172, respectively. USAA was the cheapest for these profiles, with a study premium averaging $793 for women and $804 for men. Nationwide was the next cheapest for these profiles, with average representative rates of $956 for women and $1,001 for men, which is about 15% below the state average.

Nebraska’s 60-year-old average driver profiles had the least expensive rates across age groups, with the male profile paying an average of $1,061 per year and the female profile paying $1,038. USAA, State Farm, Progressive, and Nationwide all clocked in under $950.

Farmers, American Family, and Allstate were the most expensive providers in our Nebraska survey for these age groups across the board.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Nebraska Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,403.49

$1,403.49

American Family

$1,347.46

$1,407.45

Farmers

$1,507.43

$1,507.43

Geico

$1,152.01

$1,263.19

Nationwide

$1,016.75

$1,016.75

Progressive

$1,150.62

$1,150.62

State Farm

$942.23

$1,044.60

USAA

$836.69

$874.44

Driving 6,000 miles per year instead of 12,000 won’t save you much on car insurance premiums in Nebraska. With some companies – Progressive, Nationwide, Farmers, and Allstate – you’ll pay the same no matter which driver profile you fit in. The average representative rate for driver profiles who drive 6,000 miles per year was $1,170. For driver profiles who put 12,000 miles on the odometer each year, average prices rose by only $38, to $1,208 on average, according to our study.

USAA, State Farm, and Nationwide were the most affordable companies in our Nebraska survey, while Farmers had the most expensive representative rates, at $1,507, regardless of annual mileage. That’s about 25% above the state average, according to our study. Allstate and American Family also had high average driver profile rates in the $1,400 range, or about 15% to 20% above the state average.

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

Nebraska Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,368.66

$1,403.49

$1,449.31

American Family

$1,352.17

$1,407.45

$1,349.15

Farmers

$1,467.53

$1,507.43

$1,580.48

Geico

$1,230.23

$1,263.19

$1,302.42

Nationwide

$1,122.25

$1,016.75

$1,014.89

Progressive

$1,105.71

$1,150.62

$1,207.21

State Farm

$1,002.61

$1,044.60

$1,098.11

USAA

$842.61

$874.44

$915.80

In Nebraska, you probably won’t see big savings by choosing a low amount of coverage instead of a high amount. The average representative rate for low coverage was $1,186, while high-coverage driver profiles were $1,240 on average. That’s a difference of only $54. Sure, that’s still a savings, but considering how much you might have to pay if you cause an accident and only have the minimum coverage, that extra expense may be worth it.

USAA had the cheapest representative rates in our study, with premiums ranging from $843 for low coverage to $916 for high coverage. That’s about 26% below the state average for high coverage. State Farm was next in line, saving average driver profiles with high coverage 11% over the state average. Nationwide followed, with high-coverage driver profiles paying 18% less than the state average. 

Farmers was on the other end of the spectrum. Driver profiles with high coverage paid $1,580 on average with Farmers, which is 27% above the state average in our study.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Nebraska Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,403.49

$1,580.91

$2,110.66

American Family

$1,407.45

$1,702.49

$2,400.30

Farmers

$1,507.43

$1,662.53

$2,393.99

Geico

$1,263.19

$1,541.83

$1,997.39

Nationwide

$1,016.75

$1,178.25

$1,431.28

Progressive

$1,150.62

$1,472.44

$2,041.69

State Farm

$1,044.60

$1,342.81

$2,235.97

USAA

$874.44

$994.52

$1,490.54

Credit scores can make a major difference in your auto insurance rates. In Nebraska, driver profiles with good credit had an average representative rate of $1,208 annually. Driver profiles with poor credit paid an average of $2,013. That’s a 67% increase. 

In our survey, USAA was the most affordable car insurance company for driver profiles with good and fair credit, with study rates of $874 and $995, respectively. State Farm was next in line for driver profiles with good credit ($1,045 on average), while Nationwide took second place for driver profiles with fair credit ($1,178). 

Nationwide had the lowest study rate for driver profiles with poor credit, at $1,431. That’s about 29% below the state average. USAA had the second-lowest representative rates for this driver profile ($1,491). Geico was the only other company with representative rates under $2,000.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Nebraska Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,403.49

$1,526.93

$1,636.51

$1,781.18

American Family

$1,407.45

$1,407.45

$1,595.45

$1,407.45

Farmers

$1,507.43

$1,918.44

$2,109.11

$2,039.60

Geico

$1,263.19

$1,263.19

$2,253.19

$3,481.27

Nationwide

$1,016.75

$1,210.29

$1,712.30

$1,952.60

Progressive

$1,150.62

$1,502.74

$1,874.69

$1,284.38

State Farm

$1,044.60

$1,113.13

$1,181.62

$1,113.13

USAA

$874.44

$1,083.61

$1,262.77

$1,779.74

Nebraska driver profiles with clean records had an average study rate of $1,208, according to our data. Those with one speeding violation saw average representative rates jump to $1,378, while driver profiles with one accident had average rates of $1,703. The average rate for driver profiles with one DUI was $1,855.

USAA had the cheapest average rates for three of these four driver profiles: those with a clean record, one speeding ticket, and one accident. For driver profiles with one DUI, State Farm was the cheapest option, averaging $1,113, which is about 40% below the state average. 

Farmers had the most expensive study rate in Nebraska for driver profiles with a clean record, at $1,507, or about 25% above the state average. Aside from USAA, Nationwide and State Farm had some of the most affordable representative rates for drivers with clean records, costing $1,017 and $1,045, respectively. That’s roughly 15% below the state average.

If you have a DUI on your record, you may want to steer clear of Geico. Driver profiles with one DUI had an average representative rate of $3,481, a whopping 88% above the state average. The next most expensive company for driver profiles with one DUI was Farmers, with average study rates of $2,040, or 10% above the state average.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Nebraska Car Insurance Rates by City

City

Average Rate

Bellevue

$1,168.07

Columbus

$1,110.72

Fremont

$1,138.64

Grand Island

$1,110.80

Hastings

$1,149.80

Kearney

$1,139.33

Lincoln

$1,099.52

Norfolk

$1,132.94

North Platte

$1,234.74

Omaha

$1,292.05

Omaha is the biggest city in Nebraska, with a population of nearly half a million according to the U.S. Census. Generally, denser urban areas have higher car insurance rates because they tend to have higher crime rates and more traffic, which often means more accidents. So it’s no surprise that among the 10 Nebraska cities that we studied, driver profiles from Omaha had the most expensive representative rates, at $1,292.

North Platte wasn’t far behind, with an average study rate of $1,235, while Bellevue came next with a representative rate of $1,170. The other seven cities in our survey fell below the $1,150 mark, with driver profiles from Lincoln coming in as the least expensive, at $1,100.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Nebraska’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Nebraska Auto Insurance Minimum Coverage Requirements 

Nebraska requires all drivers to carry a minimum amount of auto insurance coverage. Requirements include the following:

  • 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

Male Young Adult Drivers

Geico

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

Besides USAA, which only provides insurance to people affiliated with the military, Nationwide and State Farm offer some of the lowest car insurance rates in Nebraska, according to our study. The average driver profile in Nebraska had a representative rate of $1,208. Nationwide’s average survey rate was $1,017, while State Farm’s was $1,045. That’s 16% and 13% below the state average, respectively. 

traveler1116 / Getty Images

Farmers, on the other hand, had an average study rate of $1,508, according to our data. That’s 25% above the state average. American Family and Allstate were close behind, both charging average driver profiles about 16% above the state average.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Nebraska

Car insurance companies charge more to people who they think pose a high risk of making a claim. That means if you have tickets or accidents on your record, if you have poor credit, or if you’re young, you’ll probably pay more for auto insurance. Older drivers with good credit 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 accidents goes up in these heavy traffic areas. Sure enough, our study found Omaha and North Platte to have the most expensive car insurance costs for our average driver profile. 

How To Get the Cheapest Car Insurance in Nebraska

Most major insurers offer a variety of discounts for their customers. Having more than one car 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

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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 at least six months. If you get in an accident or receive a citation, however, rates usually rise significantly. 

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 involved in 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.

All U.S. states and Washington D.C. prohibit driving under the influence. Fines and penalties are very high in Nebraska. Drivers convicted of a DUI must pay for a mandatory alcohol assessment and could be ordered to attend alcohol treatment programs on their own dime.

For the first offense, penalties can include up to 60 days in jail, a $500 fine, and license suspension for 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 a mandatory 180-day minimum jail sentence and a 15-year license revocation.

Texting While Driving and Distracted Driver Laws in Nebraska

In Nebraska, drivers are not allowed to use handheld devices to read, write, or send communications while driving. However, Nebraska treats the texting ban with secondary enforcement, so a driver can only be cited for it if they are 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 three or more offenses.

DUI Laws in Nebraska

There is a zero-tolerance policy for underage driving under the influence. That means drivers under the age of 21 could see a DUI charge for having as little blood alcohol concentration (BAC) as 0.02%.

The usual 0.08% BAC applies to most drivers in Nebraska, where a DUI can result in a license suspension of at least 90 days upon the first offense and up to 15 years on the third offense if convicted. Nebraska also requires you to take an alcohol assessment if convicted of a DUI, and to complete the recommended treatment. 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, your 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’s 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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