The Best Auto Insurance in Nebraska of 2025

USAA is a membership-based company that is only available to current and former military members, their spouses, and their children. It offers car insurance that’s tailored for military members specifically, with discounts for people who are deployed or storing their vehicles on military installations. Among our top picks, it has the lowest rates in Nebraska for most drivers.

Military Discounts

Deploying is complicated. Aside from leaving your family, you’re also leaving your home and your vehicle, but why pay the same amount of insurance premiums for a car you don’t drive?

Fortunately, USAA offers deployed military members discounts of up to 60 percent for storing their cars. For cars stored on military installations, the savings is up to 15 percent off of comprehensive coverage, which covers non-collision events. You could even earn a discount for driving fewer miles based on your total annual mileage, or for living on a military base.

Overall, whether you opt for full or minimum coverage, USAA’s rates are some of the cheapest in Nebraska.

Safe Driving Program

Usage-based insurance (UBI) gives safe drivers discounts for their safe driving behaviors, usually measured through an app or Bluetooth beacon. With USAA, all you have to do is download the USAA SafePilot app and start tracking your driving to get up to 30 percent off. The app will track your harsh braking, distracted driving, and mileage to give you a driving score. The higher the score, the higher the discount.

Insurance for Multiple Types of Vehicles

Aside from car insurance, USAA offers other types of insurance, such as:

• ATV insurance
• Aviation insurance
• Bicycle and e-bike insurance
• Boat insurance
• Classic and collector car insurance
• Motorcycle insurance
• Personal watercraft insurance
• RV and motorhome insurance

Whether you drive a minivan or a mobile home, USAA has insurance that will cover you.

After USAA, which is only available to members, Nationwide has the next-cheapest rates for full coverage in Nebraska among our top picks. Nationwide offers multiple ways for good drivers to save, from having a clean driving record for at least five years prior, to maintaining accident-free status, to enrolling in its usage-based insurance program, SmartRide. Additionally, Nationwide has local agents throughout the state, for that personal touch.

Rewards for Safe Drivers

Nationwide rewards safe drivers in three ways:

• Safe driver discount: Before you’ve even enrolled with Nationwide, the company will take a look at your driving record for the past five years. If you haven’t caused any accidents within that time, you could get a discount.
• Accident-free discount: You could also get an additional 10 percent off simply for keeping your driving record accident-free.
• SmartRide discount: Similar to USAA’s SafePilot program, Nationwide’s SmartRide gives you discounts for safe driving, measuring your mileage, hard braking, fast acceleration, and nighttime driving. Not only will you get a 10 percent discount just for signing up, but you could save an additional 40 percent for driving safely, and getting started is as easy as downloading the SmartRide app.

Senior Defensive Driving Discounts

As of July 2022, there were 866,675 adults ages 55 and over living in Nebraska, making up 44 percent of the state’s population.² With Nationwide, these drivers can save by completing a state-approved defensive driving course. This option is available to people who have not caused any accidents in the past 35 months, so if you’re a safe, senior driver, you might as well save up to 5 percent on insurance and learn about traffic laws, defensive driving techniques, and environmental hazards, to name a few lessons.

Local Agents

Not every insurance company has local car insurance agents. Some only allow you to get a quote, purchase a policy, and maintain your policy online. However, that’s not the case with Nationwide, which has local agents in Omaha, Lincoln, Bellevue, Grand Island, Kearney, Fremont, Hastings, Norfolk, North Platte, and Columbus. These local agents can ensure that you get all the discounts that you’re eligible for, and all the coverages you need, for a price you can afford. Along with Travelers, Nationwide is a good pick for drivers who want the customer experience of working with an agent.

In Nebraska, nearly 68 percent of its residents own homes, according to the latest U.S. Census data from the first quarter of 2025.³ That being said, you don’t need to own your home to save with Allstate.

Home and Auto Bundles 

Allstate customers who purchase home and auto insurance save up to 25 percent, making it one of the biggest bundling discounts available. About seven in 10 Nebraskans are homeowners. But what about the other three in 10? Allstate hasn’t forgotten about them. It offers drivers discounts when they bundle their auto insurance not only with homeowners insurance, but also with renters and condo insurance. 

Offers Gap Insurance With Add-Ons

Allstate offers gap insurance coverage, including in Nebraska, for around $4 to $5 per month. To qualify, you must be the first owner and purchase this coverage when you buy or lease the vehicle.

In addition to gap insurance, Allstate helps keep your car in shape once your manufacturer’s warranty expires. The provider offers customizable vehicle protection plans, which you can add depending on your needs:

• Tire and wheel protection: Allstate will cover repair costs if a road hazard damages your tires or wheels.  
• Paint and fabric defense: Keep your vehicle’s interior and exterior looking brand new with a special coating. If your car has paint damage or interior staining, rips, or tears, Allstate will cover the costs of maintenance.
• Excess wear and tear: If you lease a vehicle, Allstate will cover fees for excess wear and tear fees up to $5,000. 
• Complete protection: Allstate offers comprehensive protection plans with different levels of coverage. All plans include paintless dent repair, key replacement, roadside services, and alternate transportation reimbursement. 

Extra Protection for Homeowners

Allstate also offers additional protection if you rent your home or apartment through its HostAdvantage plan. In addition to covering extra personal property damages, you get extra benefits. 

The plan includes:

• Theft coverage: If renters steal your personal belongings while staying in your space, this covers replacement costs. 
• Property damage: For accidents that damage personal property (like a TV), HostAdvantage covers what your home insurance won’t, up to $10,000 for each rental host period. 
• Merry Maids discount: All HostAdvantage plans come with $25 off your first four Merry Maid cleanings.

While companies like Allstate allow customers to buy car insurance policies online, Auto-Owners prefers a more traditional approach. The company offers coverage through independent agents across Nebraska.

Local Agencies Throughout the State

Buying insurance used to be more of a personal, human-to-human interaction. That was, until, companies like Esurance came around in the late nineties, selling insurance completely online. In the 25 years since, many companies have followed suit — though Auto-Owners is one of the insurers that only provides policies through agents. The provider keeps car insurance personal, with over 48,000 agents throughout the country. Here are the cities where you can walk into the office and buy a car insurance policy from an honest-to-god human:

• Albion
• Beemer
• Ceresco
• Columbus
• Crete
• Fremont
• Elgin
• Elkhorn
• Lincoln
• Milford
• Norfolk
• Ogalala
• Omaha
• Pierce
• Stanton
• Wauneta
• Wisner
• Yutan

Diminished Value Coverage

Getting into an accident is never great, but it’s a heck of a lot better when you have already purchased diminished value coverage. With this type of insurance, Auto-Owners will compensate you if your vehicle is worth less after an accident, even with repairs.

With this coverage, Auto-Owners pays you the difference for the reduction in value. For example, your car is worth $24,000, and then you get into a covered accident. Your vehicle incurs major damage, so its value is now $22,200. Since you have diminished value coverage, Auto-Owners pays you $1,800 to compensate for the value your car lost because of the accident. This insurance is especially useful if you have a new or luxury car, since their value depreciates more quickly.

Insurance for Loaned or Leased Vehicles

Most people can’t afford to buy their vehicles outright, so they turn to auto loans or auto leases, which require not only collision and comprehensive coverage, coverages that the state of Nebraska does not require, but also gap insurance, typically. Auto-Owners’ gap insurance will cover the remainder of your lease/loan if you total your vehicle before you have finished paying it off. Its limit is equal to your car’s actual cash value, the amount it’s worth if you sold it tomorrow. But note that this coverage is only available to new car owners, so it’s not something you could apply to a used car that you financed.

If you’re on a tight budget, auto insurance might feel like something you can skip. But with fines up to $1,000 or more in Nebraska for driving without insurance, not to mention the possibility of license suspension, it’s worth picking up at least a minimum coverage policy. GEICO has some of the lowest rates for liability-only coverage in Nebraska, as well as some of the cheapest rates for teen drivers, who are notoriously expensive to insure.

Lowest Average Rates in Nebraska 

You can get a minimum liability-only policy from GEICO for an average of just $30 monthly — the cheapest on our list. 

For households with a teen driver, GEICO’s average rates for minimum liability-only coverage rise to about $98 monthly — that’s just under half what it would cost for the same coverage with Nationwide.

Stellar Digital Experience

For drivers who value convenience, GEICO makes it easy to buy car insurance and manage your policy online. While you can’t speak to a human local agent as easily with a GEICO policy, the provider does offer an excellent digital experience across its website and apps. Customers can contact an agent through live chat on their phone or computer 24 hours a day, 7 days a week. GEICO makes sure customers can get the help they need whenever they need it. 

The GEICO app also boasts a 4.8-star rating in the App Store and a 4.5-star rating in the Google Play Store. You can change your policy, download your proof of insurance, make payments, and get roadside assistance at the touch of a button. 

Savings for Young Drivers

It’s no secret that people with the least driving experience cause the most accidents, one of the reasons why the cost of car insurance for teens is so high. But not only does GEICO offer low average prices in Nebraska for households with teen drivers, it also offers discounts on top of these low averages, such as: 

• Good student: Students with good grades can get discounts on car insurance from GEICO. 
• Driver training: Enroll in an approved driver training course to learn safe driving habits, and get a discount on your policy. 
• Student away at school: Parents of students under age 25 who are at school at least 100 miles away from home and park their car at home can save money. 

Car insurance for teens in Nebraska may still cost around the same as the national average, but with these discounts, you may be able to lower it even more.