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Last updated: February 3, 2026The Best Auto Insurance in Nebraska of 2026
Our top picks for providers include USAA, American National, GEICO, North Star Mutual, and Auto-Owners.
Best for Military/Veterans
Editor's Rating:
5/5
5/5Full Coverage Averages in Nebraska
- Annual Premium: $1,916
- Monthly Premium: $160
Cheapest
Editor's Rating:4/5
4/5Full Coverage Averages in Nebraska
- Annual Premium: $1,005
- Monthly Premium: $84
Best for Low Credit
Editor's Rating:4.2/5
4.2/5Full Coverage Averages Nationally
- Annual Premium: $2,128
- Monthly Premium: $177
Key Takeaways
- American National offers the cheapest average rates for Nebraska drivers, while North Star Mutual is best for customer service. USAA, Auto-Owners, and GEICO also offer great coverage, depending on your needs.
- Full coverage auto insurance in Nebraska costs slightly more than the national average at $2,461 per year. Meanwhile, minimum coverage is less than the national average at $581 per year.
- Your auto insurance premium depends on many factors, including your age, driving record, and credit history, and may differ from the average rates used here.
Summary of the Best Auto Insurance in Nebraska
- Best for Military/Veterans: USAA
- Cheapest: American National
- Best for Drivers with Low Credit: GEICO
- Best for Customer Satisfaction: North Star Mutual
- Best for Local Agents: Auto-Owners
Compare the Best Cheap Auto Insurance in Nebraska
| Company | Full Coverage Monthly Avg. in NE | Minimum Coverage Monthly Avg. in NE | Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $160 | $35 | Above average |
| American National | $84 | $16 | Not rated |
| GEICO | $177 | $31 | Below average |
| North Star Mutual | $208 | Data not available | Not rated |
| Auto-Owners | $137 | $41 | Above average |
| Nebraska | $205 | $48 | – |
Breaking Down the Best Cheap Auto Insurance in Nebraska
1. Best for Military/Veterans - USAA
What We Like Most:
- Affordable rates across different driver profiles
- Military-specific discounts
- Save with telematics programs
Why we chose it
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 to military members specifically, and whether you opt for full or minimum coverage, USAA’s rates are some of the cheapest in Nebraska.
USAA offers deployed military members discounts of up to 60 percent for storing their cars and up to 15 percent for garaging cars on military installations. USAA also has two telematics programs, SafePilot and SafePilot Miles, which work with the USAA app to track your driving, including harsh braking, distracted driving, and mileage. The safer you drive, the higher the discount. SafePilot Miles also gives you a discount if you drive less frequently.
Who it’s best for
Military members and veterans, spouses and children of military members/veterans, families with teens
USAA Nebraska Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $160 | $35 |
| Annually | $1,916 | $418 |
| Difference from Nebraska average | -22% | -28% |
2. Cheapest - American National
What We Like Most:
- Lowest average rates in Nebraska
- Includes rental coverage with full coverage policies
- Strong financial stability
Why we chose it
American National is known for affordable rates, and it offers the cheapest average rates, by far, in Nebraska. Its average annual full coverage premium is 59 percent below the state average, while its minimum coverage premium is a whopping 66 percent lower. It does not provide online quotes, as its focus is on making sure that policyholders speak with an agent to get the right coverage for their needs.
American National has fewer coverage add-ons than most competitors, but it does include up to $2,000 in customized equipment coverage as well as rental car coverage with its comprehensive and collision coverage. It also offers several perks, including a common loss deductible, which means that you’ll only pay one deductible if your home and car are both insured with the company and are damaged in the same covered event.
Who it’s best for
Drivers looking for the cheapest coverage, those who prefer to work with a local agent, those with customized equipment in their vehicle
American National Nebraska Pricing
| American National | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $84 | $16 |
| Annually | $1,005 | $197 |
| Difference from Nebraska average | -59% | -66% |
3. Best for Drivers with Low Credit - GEICO
What We Like Most:
- Instant online quotes
- Affordable rates for most drivers
- Multiple young driver discounts
Why we chose it
GEICO has some of the lowest average rates in Nebraska for drivers looking for car insurance with poor credit at $2,786 per year, which is 37 percent cheaper than the state average. While this still represents an increase over GEICO’s rates for drivers with good credit, it’s much more affordable, on average, than what most other companies charge.
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.
DID YOU KNOW?
Nebraska drivers with low credit pay around 79 percent more for car insurance than drivers with good credit. Improving your credit over time is a great way to lower your car insurance costs.
Who it’s best for
People with bad credit, drivers who want to purchase and manage their policy online
GEICO Nebraska Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $177 | $31 |
| Annually | $2,128 | $367 |
| Difference from Nebraska average | -14% | -37% |
4. Best for Customer Satisfaction - North Star Mutual
What We Like Most:
- Excellent customer service
- Midwest-focused insurer
- Offers farm business insurance
Why we chose it
North Star Mutual is a Midwest-based insurance company that operates in eight Midwestern states — it has been writing policies in Nebraska since 1990. It sells home, farm, and business policies in addition to auto. While it is not included in J.D. Power’s reports, North Star has strong customer service ratings from various industry metrics, including a B rating from the CRASH Network Report Card, earning it a spot on its Honor Roll.
In addition, North Star has a Complaint Index of 0.58 from the NAIC, meaning it receives fewer customer complaints than average. It also has a Superior A+ rating from AM Best, indicating that it is financially stable and can be trusted to pay out claims. It doesn’t have the cheapest rates, but it offers several discounts, including for anti-theft devices, taking a defensive driving course, and bundling auto with farm or business policies.
Who it’s best for
Drivers who are looking for standard coverages, farmers who want to combine auto with farm and/or business insurance
North Star Mutual Nebraska Pricing
| North Star Mutual | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $208 | Data not available |
| Annually | $2,490 | Data not available |
| Difference from Nebraska average | +1% | – |
5. Best for Local Agents - Auto-Owners
What We Like Most:
- Many local agents available in Nebraska
- Low rates for full coverage
- Extra coverage for new vehicles (including gap and diminishing value coverage)
Why we chose it
Auto-Owners only provides policies through agents, with independent agents located in 18 cities across Nebraska. While you can contact an agent by email or phone, you can also walk into any office near you to speak with someone in person if you prefer. Auto-Owners has a solid customer service record, ranking fourth in J.D. Power’s Auto Insurance Study for the Central region and earning a B rating from the CRASH Network.
The company also offers several useful coverages for newer vehicles, including 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. You can also add gap insurance to your policy, which is usually required if you have an auto loan or lease. Auto-Owners’ gap insurance will cover the remainder of your lease/loan if you total your vehicle before you have finished paying it off. This coverage is only available to new car owners.
Who it’s best for
People who want to work with local agents, someone looking to bundle their auto insurance with home, renters, or condo insurance
Auto-Owners Nebraska Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $137 | $41 |
| Annually | $1,639 | $490 |
| Difference from Nebraska average | -33% | -16% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| USAA | 719 | D+ | 741 | 3.10 |
| American National | Not rated | C+ | Not rated | 3.07 |
| GEICO | 641 | C- | 697 | 1.55 |
| North Star Mutual | Not rated | B | Not rated | 0.58 |
| Auto-Owners | 654 | B | 711 | 1.05 |
| Average | 649 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Nebraska
Full Coverage Rates in Nebraska
In Nebraska, full coverage auto insurance costs an average of $2,461 per year, or $205 per month. That’s just above the national average of $2,356 per year.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Nebraska average | $2,461 | $205 |
| National average | $2,356 | $196 |
Minimum Coverage
Minimum coverage insurance in Nebraska costs an average of $581 annually, or $48 per month, which is 20 percent lower than the national average.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Nebraska average | $581 | $48 |
| National average | $722 | $60 |
Cost of Auto Insurance in Nebraska by City
Location is a major factor in determining auto insurance premiums. Even within the same state, average rates can vary from place to place. In Nebraska, Omaha unsurprisingly has the most expensive average rates at $2,391 per year. Meanwhile, Lincoln has a much lower average annual premium of $2,052.
| City | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Omaha | $2,391 | $199 |
| Bellevue | $2,222 | $185 |
| Grand Island | $2,164 | $180 |
| Kearney | $2,150 | $179 |
| Lincoln | $2,052 | $171 |
How Many Car Accidents Happen in Nebraska?
In 2023, there were 206 fatal car accidents in Nebraska, with most occurring in October, November, and April.5 These crashes resulted in 227 deaths. As of 2023, the traffic fatality rate in Nebraska was 1.07 per 100 million vehicle miles traveled — lower than the national average of 1.26.
Minimum Auto Insurance Requirements in Nebraska
Nebraska drivers must carry at least the following minimum coverage limits in order to legally drive in the state:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist liability: $25,000 per person/$50,000 per accident
Nebraska’s minimum coverage limits offer a basic level of coverage. However, it’s wise to increase your limits for added peace of mind — if you cause an accident, you’ll have to pay out of pocket for damage above and beyond what your policy covers. Uninsured motorist coverage is not required by all states but is good to have, as it helps pay for potential damage caused by an uninsured driver.
Frequently Asked Questions
American National has the best auto insurance rates in Nebraska, on average, for both full and minimum coverage. A full coverage policy in Nebraska with American National is $1,005 annually ($84 monthly), while a minimum coverage policy costs an average of $197 per year, or only $16 monthly.
On average, car insurance in Nebraska costs $205 per month for full coverage and $48 per month for minimum coverage.
Yes, Nebraska requires car insurance, according to the state’s Revised Statute 60-509 and Department of Motor Vehicles website.
The insurance required in Nebraska is as follows, according to the state’s Revised Statute 60-509:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist liability: $25,000 per person, $50,000 per accident
Methodology
We assessed auto insurance providers in Nebraska using the following criteria:
- Pricing (40%): We examined the cost of both full and minimum coverage premiums for drivers with clean records and those with poor credit. Additionally, we considered available discounts. For our analysis, Nebraska coverage averages use minimum state limits, while full coverage averages are based on these limits:
-
- Bodily injury liability: $100,000 per person / $300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person / $100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We evaluated providers’ claims practices by reviewing independent data sources such as the J.D. Power Claims Satisfaction Study, AM Best ratings, and the CRASH Insurer Report Card.
- Customer Experience (25%): We assessed the overall customer experience, including the ease of obtaining quotes, the functionality of digital tools, policy management options, and agent availability. This evaluation was based on third-party data from sources like J.D. Power, as well as app ratings and local agent feedback.
- Coverage Options (10%): We analyzed each provider’s coverage offerings, favoring those that provide more than the state-required minimum. Preferred options include accident forgiveness, diminishing deductibles, pet injury protection, and rideshare coverage.
Learn more about our ratings and methodology.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmFatality and Injury Reporting System Tool (FIRST). NHTSA. (2026).
https://cdan.dot.gov/query
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