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Last updated: May 9, 2025
Compare Cheap Auto Insurance in Nebraska
Auto-Owners, GEICO, and USAA have some of the cheapest rates in Nebraska.
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Insurance rates in Nebraska tend to be more affordable compared to the national average. On average, full coverage insurance in Nebraska costs $2,046 annually, which is 15 percent less than the national average. Minimum coverage runs about $482 per year, 22 percent less than the national average.
Overview:
- The average cost of full coverage auto insurance in Nebraska is $2,046 per year, while minimum coverage averages $482 annually.
- USAA and Nationwide receive top marks for customer and claims satisfaction in the North Central region, and Nationwide offers sizable discounts for safe drivers.
- Auto-Owners provides the most affordable rates for drivers with speeding tickets or at-fault accidents, making the insurer a strong choice for drivers with past incidents.
Jump to:
- Cheapest full coverage auto insurance in Nebraska: Auto-Owners ($1,305 annually) and USAA ($1,56 annually)
- Cheapest minimum coverage: North Star Mutual ($347 annually) and GEICO ($355 annually)
- Cheapest with a teen driver: Farmers ($3,228 annually) and USAA ($3,633 annually)
- Cheapest with a speeding ticket: GEICO ($1,831 annually) and Auto-Owners ($1,991 annually)
- Cheapest with an at-fault accident: Auto-Owners ($2,020 annually) and USAA ($2,127 annually)
- Cheapest with a DUI: Progressive ($2,293 annually) and State Farm ($2,486 annually)
- Cheapest with low credit: Nationwide ($2,263 annually) and GEICO ($2,481 annually)
DID YOU KNOW?
Nebraska has a lower percentage of uninsured drivers than the national average.
Cheapest Car Insurance in Nebraska for Full Coverage: Auto-Owners
Auto-Owners offers the cheapest full coverage auto insurance in Nebraska, with an average annual premium of $1,305. This is approximately 36 percent cheaper than the state average of $2,046, and 46 percent cheaper than the national average of $2,399. Auto-Owners works exclusively with independent agents, so they are a great option if you’re looking for personalized, one-on-one service. But if you’re more digitally minded, like quick online quotes, and prefer to purchase your policy online, it might not be the best fit for you.
USAA is another standout when it comes to rates and customer service, which is why we named them the best auto insurance in Nebraska for military members, veterans, and their families.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Auto-Owners | $1,305 | $109 |
| USAA | $1,556 | $130 |
| Nationwide | $1,581 | $132 |
| Farmers | $1,763 | $147 |
| GEICO | $1,820 | $152 |
| Farm Bureau | $1,883 | $157 |
| State Farm | $1,888 | $157 |
| Progressive | $1,922 | $160 |
| Nebraska Average | $2,046 | $170 |
| National Average | $2,399 | $200 |
Cheapest Car Insurance in Nebraska for Minimum Coverage: North Star Mutual
North Star Mutual offers the cheapest minimum coverage in Nebraska, with an average rate of $347 per year — 28 percent less than the state average of $482. GEICO comes in next at $355 annually, followed by USAA at $368. Minimum coverage in Nebraska can be a practical choice if you’re just looking to meet the state’s legal insurance requirements, but it’s important to understand its limitations. It only covers injuries and property damage you cause to others, up to your policy limits. It won’t cover damages to your own vehicle, and in a serious accident, it may fall short of covering all the costs, especially if you’re at fault.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| North Star Mutual | $347 | $29 |
| GEICO | $355 | $30 |
| USAA | $368 | $31 |
| Progressive | $419 | $35 |
| Auto-Owners | $405 | $34 |
| State Farm | $485 | $40 |
| Nebraska Average | $482 | $40 |
| National Average | $635 | $53 |
Cheapest Car Insurance in Nebraska for Teen Drivers: Farmers
Teen drivers typically face some of the highest auto insurance rates due to their limited experience behind the wheel. State Farm stands out as the most affordable option for teen drivers in Nebraska, offering an average annual premium of $3,228 annually. That’s a significant savings compared to Nebraska’s average of $5,172 for teen coverage. USAA, State Farm, Farm Bureau, and Auto-Owners also provide comparatively budget-friendly options. Auto-Owners earns extra points for their accident forgiveness program for teens, which is why we named them among the best car insurance for teens. State Farm also made the list, thanks to their low rates for teens on a family policy.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| Farmers | $3,228 | $269 |
| USAA | $3,633 | $303 |
| State Farm | $4,232 | $353 |
| Farm Bureau | $4,237 | $353 |
| Auto-Owners | $4,304 | $359 |
| GEICO | $5,157 | $430 |
| Nationwide | $5,530 | $461 |
| Progressive | $5,899 | $492 |
| Nebraska Average | $5,172 | $431 |
| National Average | $5,327 | $444 |
Cheapest Car Insurance in Nebraska With a Speeding Ticket: GEICO
It’s no secret that a speeding ticket can cause your insurance rates to go up, but some insurers are more forgiving than others. GEICO offers the most affordable coverage for drivers with a speeding ticket, with an annual average premium of $1,831. That’s about 22 percent lower than the statewide average of $2,351. Auto-Owners follows at $1,991. Nationwide, USAA, Farmers, and Farm Bureau also offer below-average rates. If you’re looking to keep your rates manageable after a ticket, these companies are worth considering.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| GEICO | $1,831 | $153 |
| Auto-Owners | $1,991 | $166 |
| Nationwide | $2,020 | $168 |
| USAA | $2,065 | $172 |
| Farmers | $2,135 | $178 |
| Farm Bureau | $2,243 | $187 |
| State Farm | $2,246 | $187 |
| Progressive | $2,316 | $193 |
| Nebraska Average | $2,351 | $196 |
| National Average | $2,511 | $209 |
Cheapest Car Insurance in Nebraska With an At-Fault Accident: Auto-Owners
Auto-Owners offers the cheapest car insurance in Nebraska for drivers with an at-fault accident, with an average annual rate of $2,020 — about 31 percent less than the statewide average of $2,946. USAA and State Farm also offer solid value, with average annual premiums of $2,127 and $2,179 respectively.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| Auto-Owners | $2,020 | $168 |
| USAA | $2,127 | $177 |
| State Farm | $2,179 | $182 |
| Farmers | $2,294 | $191 |
| Nationwide | $2,600 | $217 |
| Progressive | $2,758 | $230 |
| Farm Bureau | $2,952 | $246 |
| GEICO | $3,121 | $260 |
| Nebraska Average | $2,946 | $245 |
| National Average | $2,812 | $234 |
Cheapest Car Insurance in Nebraska With a DUI: Progressive
If you’re convicted of driving under the influence, your insurer may cancel your policy at renewal. If they do renew, you can expect your rates to rise. Progressive offers the most affordable insurance for Nebraska drivers with a DUI, with an average annual premium of $2,293. That’s about 31 percent lower than the statewide average of $3,312. In addition to competitive rates, Progressive accepts both new and existing customers who need an SR-22 form, which is required in Nebraska after a DUI. This is why we named Progressive one of the best auto insurances for DUI.
FYI:
In Nebraska, after a DUI conviction, you’ll need to carry SR-22 insurance for a minimum of three years, and potentially longer depending on the severity of the offense, to reinstate or maintain your driving privileges.1
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $2,293 | $191 |
| State Farm | $2,486 | $207 |
| Auto-Owners | $2,528 | $211 |
| Farmers | $2,738 | $228 |
| Farm Bureau | $2,908 | $242 |
| USAA | $3,234 | $270 |
| Nationwide | $3,332 | $278 |
| Allstate | $3,383 | $282 |
| GEICO | $5,089 | $424 |
| Nebraska Average | $3,312 | $276 |
| National Average | $3,305 | $275 |
Cheapest Car Insurance in Nebraska With Low Credit: Nationwide
Nationwide offers the cheapest car insurance for Nebraska drivers with low credit, with an annual average premium of $2,263 , which is almost 37 percent cheaper than the statewide average of $3,587. GEICO and USAA follow closely at $2,481 and $2,486 annually.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| Nationwide | $2,263 | $189 |
| GEICO | $2,481 | $207 |
| USAA | $2,486 | $207 |
| Farmers | $2,614 | $218 |
| Progressive | $3,382 | $282 |
| Farm Bureau | $3,512 | $293 |
| Allstate | $3,728 | $311 |
| State Farm | $7,499 | $625 |
| Nebraska Average | $3,587 | $299 |
| National Average | $3,377 | $281 |
QUICK FACT:
In Nebraska, insurance companies are allowed to consider both credit score and gender when determining auto insurance rates. The latter makes the biggest difference for teen drivers, as male teens tend to get into more accidents than female teens.
Best Claims and Customer Satisfaction in Nebraska: USAA, American Family, and Auto-Owners
When shopping for car insurance, price is just one part of the equation. Customer service can make a big difference, especially if you need to file a claim. In the North Central region, USAA earns top marks for overall customer satisfaction. American Family and Auto-Owners also ranked above average in the regional survey, and performed well in CRASH Network’s Insurer Report Card, which surveys collision repair shops on insurers’ claims practices. Likely due to the company’s size, Farm Bureau isn’t rated in the J.D. Power studies, but they fared well with CRASH Network.
| Provider | Central Region Customer Satisfaction (J.D. Power)2 | Claims Satisfaction (J.D. Power)3 | CRASH Network Insurer Report Card Grade4 |
|---|---|---|---|
| USAA | 759 | 726 | D+ |
| American Family | 674 | 692 | C+ |
| Auto-Owners | 663 | 692 | B |
| State Farm | 647 | 710 | C- |
| Progressive | 638 | 672 | C |
| Allstate | 629 | 691 | D |
| Nationwide | 628 | 728 | C |
| Farmers | 622 | 705 | C- |
| GEICO | 622 | 692 | C- |
| Farm Bureau | NA | NA | B+ |
| Average | 647 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Nebraska
- Compare quotes from multiple companies: The more you know, the more empowered you are. Shopping around and speaking with different insurers can help you understand not just what each company offers, but also what you need as a driver. Your profile and needs are unique, and you may find that you qualify for discounts or programs with one company that aren’t available with another.
- Take a defensive driving course: Completing an approved defensive driving course is an easy way to save on your car insurance. Many insurers offer discounts for drivers who invest in improving their skills behind the wheel. It’s an investment of time, but it can lead to lower rates and help you become a better driver. Defensive driving courses can also be helpful if you’ve recently received a speeding ticket, as they may help offset the increase in your insurance premiums.
- Enroll in a telematics program: If you’re a safe driver, joining a usage-based telematics program could help you lower your car insurance premium. These programs use a plug-in device or a mobile app to track driving habits, such as speed, braking, and mileage. If you drive cautiously or don’t spend much time on the road, enrolling in a usage-based program could lead to savings.
- Raise your deductible: Opting for a higher deductible can help lower your premium. The trade-off is that you’ll need to cover more up front if you ever need to file a claim. Before raising your deductible, make sure you have enough savings set aside to comfortably handle any potential out-of-pocket costs.
- Maintain a clean driving record: Your driving history can play a big role in how much you pay. Avoiding tickets, accidents, and claims over time can make you eligible for safe-driver discounts and lower rates.
Average Auto Insurance Cost in Nebraska by City
Auto insurance rates in Nebraska can vary, depending on where you live. Omaha has the highest average annual premium at $2,057 per year. Drivers in Lincoln enjoy lower rates, paying about $1,711 annually for full coverage, which is about 16 percent less than the state average of $2,046. Several factors contribute to these differences, including population density, accident rates, and theft rates. In general, larger cities like Omaha tend to have higher insurance rates due to heavier traffic and greater risk of claims.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Lincoln | $1,711 | $143 |
| Kearney | $1,776 | $148 |
| Omaha | $2,057 | $171 |
| Norfolk | $1,813 | $151 |
| Bellevue | $1,882 | $157 |
| North Platte | $1,981 | $165 |
| Nebraska average | $2,046 | $170 |
Minimum Car Insurance Requirements in Nebraska:
In Nebraska, the minimum car insurance requirements are as follows:
- Bodily injury liability with limits of $25,000 per person/$50,000 per accident
- Property damage liability with limits of $25,000 per accident
- Uninsured/underinsured motorist with limits of $25,000 per person/$50,000 per accident
Nebraska requires its drivers to carry uninsured/underinsured motorist coverage, which is not required by all states. This coverage protects you if you’re injured in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough to fully cover your expenses. While these are Nebraksa’s minimum requirements, it’s a good idea to opt for higher coverage if your budget allows. Increasing your liability limits and adding collision and comprehensive coverage can offer you greater financial protection and greater peace of mind on the road.
Frequently Asked Questions:
Who has the cheapest auto insurance in Nebraska?
Auto-Owners offers the cheapest full coverage auto insurance in Nebraska, with an average annual premium of $1,305. USAA comes in next at $1,556, followed by GEICO at $1,820. These rates fall below the statewide average of $2,046. That said, your premium will vary depending on factors like your age, location, driving history, and credit, so it’s a good idea to compare quotes from at least three different insurers.
What factors influence the cheapest auto insurance rates in Nebraska?
Age, location, driving history, credit score, and even how much you drive are all factors that can influence how much you pay for auto insurance in Nebraska. Drivers with clean records can often qualify for safe driver discounts, which can lower their premiums. On the other hand, if you have a history of speeding tickets or at-fault accidents, you’re more likely to see higher rates.
How do rates for minimum coverage compare to full coverage in Nebraska?
While minimum coverage is significantly more affordable than full coverage, it also provides far less protection. The average cost of minimum coverage in Nebraska is $495 per year, compared to $2,046 annually for full coverage. Minimum coverage only pays for damages and injuries you may cause to others, up to your policy limits. Full coverage includes collision and comprehensive coverage, offering you broader protection and greater peace of mind on the road.
Are there any discounts available for young drivers in Nebraska?
Common discounts for young drivers include:
- Good student discounts for maintaining a 3.0 GPA or higher
- Student away from home discounts, for leaving the car at home while attending school full time
- Driver education discounts for taking an approved course
Rates for teens tend to be high due to their limited driving experience. USAA provides the lowest average rates for teen drivers in Nebraska at $3,633 per year, which is well below the state average of $5,172. State Farm ($4,232 annually) and Farm Bureau ($4,237 annually) also offer lower rates for teens on a family policy.
What are the average rates for car insurance in Omaha versus other cities in Nebraska?
Car insurance in Omaha costs on average $2,057 per year. Lincoln drivers enjoy lower rates of $1,711 per year on average. In general, drivers in more urban areas tend to pay higher premiums due to factors like increased traffic and greater risk of claims.
Methodology
We analyze average premiums in Nebraska for full and minimum coverage for good drivers with good credit. We also looked at various driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following 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
Staff Writer
Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.
Citations
SR-26. Nebraska Department of Motor Vehicles. (2024).
https://dmv.nebraska.gov/fr/sr-26Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/
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