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The Best Auto Insurance in Nebraska of 2024

The best companies, from Lincoln to the North Platte

Best for Military/Veterans
USAA Logo 2023

Full Coverage Averages in Nebraska
• Annual Premium: $1,320
• Monthly Premium: $110

Pros + Cons
Up to 30 percent off for safe driving behaviors
Average savings of $725 when switching to USAA
Discounts for deployment or garaging your car on a military installation
X Not available to non-military members, veterans, and their spouses and children

Read our USAA review.

Best for Good Drivers
Nationwide logo

Full Coverage Averages in Nebraska
• Annual Premium: $1,401
• Monthly Premium: $117

Pros + Cons
Discounts for safe drivers, including telematics discount up to 40 percent
Bundling discount
Local Nebraska agents
X No rideshare insurance

Read our Nationwide review.

Best Auto Home Bundles
Liberty Mutual Logo

Full Coverage Averages Nationally
• Annual Premium: $1,987
• Monthly Premium: $166

Pros + Cons
Savings when bundling auto with home, renters, or condo insurance discount up to 40 percent
Usage-based insurance discount
Perks for teachers
X No non-owner insurance

Read our Liberty Mutual review.

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On average, drivers in Nebraska pay $1,800 annually for full coverage car insurance, and $406 annually for minimum coverage. Those numbers are lower than the national average, with full coverage 7 percent cheaper on average and minimum nearly 25 percent cheaper.

That said, price isn’t the only factor to take into account when buying car insurance in the Cornhusker state. In addition to pricing, we review providers on claims handling, customer service, and coverage options. Below, we’ve selected the best companies for your specific situation and what you’re looking for in a provider, including but not limited to the bottom line.

For more, check out our best auto insurance companies overall and our picks for the best cheap car insurance.

Car and cell phoneBest Auto Insurance Companies in Nebraska

  1. USAA – Best Auto Insurance for Military/Veterans in Nebraska
    Available only to military members, veterans, and their families, USAA has some of the lowest rates for auto insurance in Nebraska.
  2. Nationwide – Best Auto Insurance for Safe Drivers in Nebraska
    Nationwide offers three different discounts for good drivers, including a 10 percent discount just for avoiding accidents and a telematics discount up to 40 percent.
  3. Liberty Mutual – Best Auto Home Bundles in Nebraska
    Liberty Mutual offers a nice discount for bundling your auto insurance with a home, condo, or renters policy, plus an additional discount for homeownership.

The Best Auto Insurance in Nebraska of 2024

  1. 1.

    Best for Military/Veterans in Nebraska: USAA

  2. 2.

    Best for Good Drivers in Nebraska: Nationwide

  3. 3.

    Best for Auto and Home Bundles in Nebraska: Liberty Mutual

  4. 4.

    Best for Local Agents in Nebraska: Travelers

  5. 5.

    Best for Liability-Only Coverage in Nebraska: American Family

Comparison of the Best Auto Insurance in Nebraska of 2024

Company USAA Nationwide Liberty Mutual Travelers American Family
Average annual rate in Nebraska for full coverage $1,320 $1,401 $1,987 nationally (Nebraska rates not available) $1,630 nationally (Nebraska rates not available) $1,704
Average annual rate in Nebraska for minimum coverage $300 $800 $719 nationally (Nebraska rates not available) $530 nationally (Nebraska rates not available) $461
Central region Customer Satisfaction Index Ranking out of 1,000 (J.D. Power)1 890 792 803 797 837
Best for Military/Veterans Good Drivers Auto Home Bundles Local Agents Liability-Only

Detailed List of the Best Auto Insurance in Nebraska of 2024

1. Best for Military/Veterans in Nebraska - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

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 that are deployed or storing their vehicles on military installations. Among our top picks, it has the lowest rates in Nebraska for most drivers.

ProsWho It's Best For
  • pro
    Military members and veterans
  • pro
    Spouses and children of military members/veterans
  • pro
    Families with teens
  • pro
    Customers looking to bundle auto with another insurance type
ConsWho It's Not Best For
  • con
    Individuals not affiliated with the US military

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 Nebraska car insurance 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:

Company Full coverage annual rate in NE Full coverage monthly rate in NE Minimum coverage annual rate in NE Minimum coverage monthly rate in NE
USAA $1,320 $110 $300 $25
Nationwide $1,401 $117 $800 $67
American Family $1,704 $142 $461 $38
Statewide average $1,800 $150 $406 $34

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.

2. Best for Good Drivers in Nebraska - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

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.

ProsWho It's Best For
  • pro
    Good drivers
  • pro
    People who want to bundle their auto policies with home, boat, or renters insurance
  • pro
    Drivers 55 and over
  • pro
    People who want to work with local agents across Nebraska’s cities
ConsWho It's Not Best For
  • con
    People with bad driving records
  • con
    People who want minimum coverage

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.


If you want recommendations more specific to your city, read our article on the best car insurance in Omaha, Nebraska.

3. Best for Auto and Home Bundles in Nebraska - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

In Nebraska, nearly 69 percent of its residents own homes, according to the latest U.S. Census data from the first quarter of 2024.3 That being said, you don’t need to own your home to save with Liberty Mutual.

ProsWho It's Best For
  • pro
    Homeowners and renters
  • pro
    People who prefer to buy their policies online
  • pro
    Safe drivers
  • pro
    Teachers, who can get discounts
ConsWho It's Not Best For
  • con
    People who want non-owner insurance
  • con
    Military members and veterans

Home and Auto Bundles

Oftentimes, home and auto bundle discounts are only limited to homeowners, which makes up about seven in 10 Nebraskans. But what about the other three in 10? Liberty Mutual 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. For new customers who saved with Liberty Mutual when they switched to the company between October 2021 and September 2022, that average savings was over $950.

Offers Gap Insurance With Add-Ons

Liberty Mutual 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.

For non-leased vehicles, Liberty Mutual also provides new car replacement and better car replacement options:

  • New car replacement: If your vehicle is less than one year old and has fewer than 15,000 miles, Liberty Mutual will pay for a replacement of the same make and model in the event of a total loss.
  • Better car replacement: Liberty Mutual will replace your totaled vehicle with one that is one model year newer and has 15,000 fewer miles.


You can save up to 12 percent on your car insurance from Liberty Mutual when you buy your policy online.

Car Insurance Made for Teachers

Nebraska is home to nearly 27,000 teachers, over 24,000 of which work in public schools as of the 2024 school year.4 To reward these molders of young minds, Liberty Mutual offers car insurance made for teachers specifically, with coverages such as:

  • Collision coverage: If your car is damaged in a collision while you’re driving it for school reasons, you won’t have to pay a deductible before Liberty Mutual will cover your property damage or car replacement costs.
  • Personal property coverage: If anything that you use for teaching, or anything that is owned by the school, is damaged or stolen while in your vehicle, Liberty Mutual will cover up to $2,500 per occurrence.
  • Vandalism loss protection: Last but not least, if your car is vandalized while it’s parked on school property, or during an event related to school like a football game, you will also pay no deductible.
4. Best for Local Agents in Nebraska - Travelers

What We Like Most:

  • High financial strength rating from AM Best
  • Great customer service reviews
  • Discounts for safe drivers, homeowners, electric vehicle owners, and more

While companies like Liberty Mutual encourage customers to buy their car insurance policies online, Travelers prefers a more traditional approach. The company offers local agents in 280 different agencies across Nebraska, from Alliance to York.

ProsWho It's Best For
  • pro
    People who want to work with local agents
  • pro
    Someone looking to bundle their auto insurance with home, renters, or condo insurance
  • pro
    Drivers with poor driving records
  • pro
    People looking for non-owner insurance
ConsWho It's Not Best For
  • con
    Someone who prefers to buy and manage their policy online
  • con
    Rideshare drivers

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, and while Travelers offers an online quote option, it also offers many local agents throughout the great state of Nebraska with 280 agencies, to be exact. Here are the cities where you can walk into the office and buy a car insurance policy from an honest-to-god human:

  • Alliance
  • Alma
  • Arlington
  • Ashland
  • Beatrice
  • Beemer
  • Bellevue
  • Bennington
  • Blair
  • Bridgeport
  • Broken Bow
  • Bruning
  • Callaway
  • Carleton
  • Ceresco
  • Chadron
  • Columbus
  • Cozad
  • Crete
  • David City
  • Denton
  • Elkhorn
  • Fairbury
  • Falls City
  • Fort Calhoun
  • Fremont
  • Ft Calhoun
  • Fullerton
  • Geneva
  • Gibbon
  • Gordon
  • Gothenburg
  • Grand Island
  • Gretna
  • Hastings
  • Holdrege
  • Imperial
  • Kearney
  • Kenesaw
  • Lavista
  • Lexington
  • Lincoln
  • McCook
  • Minden
  • Morrill
  • Nebraska City
  • Neligh
  • Norfolk
  • North Platte
  • Ogallala
  • Omaha
  • Omana
  • Osceola
  • Oshkosh
  • Papillion
  • Pierce
  • Pilger
  • Plainview
  • Ralston
  • Rushville
  • Sargent
  • Schuyler
  • Scottsbluff
  • Seward
  • Sidney
  • Stuart
  • Sutton
  • Tecumseh
  • Wahoo
  • Wayne
  • West Point
  • York

Elevated Roadside Assistance

Getting stuck on the side of the road is never great, but it’s a heck of a lot better when you have already purchased roadside assistance. Travelers’ version covers battery jumpstarts, flat tires, fuel deliveries, towing, and lockout services.

The top-tier version also includes trip interruption coverage, which will reimburse you for up to $200 a day, for a maximum of three days, for any lodging and meal costs you incur as a result of a car breakdown at least 100 miles away from home. Additionally, this package will cover your personal property for up to $500 if it’s stolen or damaged under a covered comprehensive or collision claim.

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. Travelers’ 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 pre-owned loaned or lease vehicle.

5. Best for Liability-Only Coverage in Nebraska - American Family
American Family Logo

What We Like Most:

  • Add-on roadside assistance
  • Will pay for a rental car if yours is in the shop
  • Diminishing deductibles

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. American Family 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.

ProsWho It's Best For
  • pro
    People who want to save money
  • pro
    Young drivers
  • pro
    Anyone who appreciates great customer service
  • pro
    Safe drivers
ConsWho It's Not Best For
  • con
    Senior drivers
  • con
    Military members and veterans in their twenties and forties, who can get lower rates with USAA, on average

Lowest Average Rates in Nebraska

You can get a liability-only policy from American Family for an average of just $38 monthly — second on our list only to USAA, whose availability is limited. For households with a teen driver, AmFam’s average rates for liability-only coverage rise to about $118 monthly — however, that’s just over half what it would cost for the same coverage with Nationwide.


Company Minimum coverage annual rate in NE Minimum coverage monthly rate in NE Minimum coverage annual rate with an 18-year-old driver in NE Minimum coverage monthly rate with an 1 in NE
USAA $300 $25 $760 $63
Nationwide $800 $67 $2,554 $213
American Family $461 $38 $1,414 $118

Stellar Customer Service

J.D. Power asks real car insurance customers about their satisfaction with their providers, rating them on an 1,000-point scale. In the 2023 study for customers in the central region of the U.S., which includes Nebraska, American Family came in second just after Shelter, with 837 points, 15 points over the region’s average of 822. American Family also has higher-than-average ratings on J.D. Power’s national Auto Claims Satisfaction Study, with a score of 882, four points above the average of 878. If you want good customer service and a smooth claims process, AmFam is highly-ranked.

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 American Family 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 AmFam.
  • Loyalty: If your parents are AmFam customers, you’ll 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.
  • Young volunteer: Finally, people under 25 who volunteer at a non-profit for at least 40 hours per year get discounts — this is a unique young driver discount we haven’t seen from other providers.

Car insurance for teens in Nebraska may still cost about 30 percent more than the average, but with these discounts, you may be able to lessen that gap even further.


To rate insurance companies, we combine our institutional knowledge and over 20 years of experience connecting customers with auto insurance companies, along with company and third-party data from sources such as:

  • AM Best
  • Better Business Bureau
  • CRASH Network
  • J.D. Power
  • Moody’s
  • National Association of Insurance Commissioners
  • Standard and Poor’s

We take into account factors like average premiums, coverages, discounts, mobile apps, websites, claims processes, and customer service, to name a few. Financial stability of companies is also top of mind, as companies must be able to actually pay out claims in a timely manner to fulfill their contracts. We prefer companies with low rates that offer a wide range of coverages beyond the coverages that a state requires. We also look for companies with high rates of customer satisfaction, as measured not only by our own experiences, but also by thousands of other customers via J.D. Power surveys and Better Business Bureau reviews. is under the parent company Centerfield, which employs Brad Cooper, the Senior Vice President of Insurance. Brad has tenures at QuoteWizard, LoanGlide, and InsuranceQuotes, a division of Bankrate, and he consults with us on each company’s strengths and weaknesses, and what type of customer it would be good for.


Who has the best auto insurance rates in Nebraska?

USAA and Nationwide have some of the best auto insurance rates for full coverage. On average, a full coverage policy in Nebraska with USAA is $1,320 annually ($110 monthly) and $1,401 annually ($117 monthly) with Nationwide. For minimum coverage, USAA and American Family have some of the best auto insurance rates, at $300 annually ($25 monthly) for USAA and $461 annually ($38 monthly) for American Family.

How much is car insurance in Nebraska per month?

On average, car insurance in Nebraska costs $150 per month for full coverage and $34 per month for minimum coverage.

Does Nebraska require car insurance?

Yes, Nebraska requires car insurance, according to the state’s Revised Statute 60-509 and Department of Motor Vehicle website.

What insurance is required in Nebraska?

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


  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  2. Nebraska’s Population by Age. Nebraska Department of Environment and Energy. (202@).

  3. Housing Vacancies and Homeownership (CPS/HVS). United States Census. (2024).