Compare Cheap Auto Insurance in Nebraska

American National offers the cheapest full coverage auto insurance in Nebraska, with an average annual premium of $1,005.

Farmers ($1,467 per year) and Auto-Owners ($1,639 per year) have the next cheapest average rates. 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.

Teen drivers typically face some of the highest auto insurance rates due to their limited experience behind the wheel. Farmers stands out as the most affordable option for teen drivers in Nebraska, offering an average annual premium of $2,351 annually. That’s a significant savings compared to the state average of $6,495.

USAA (for military-affiliated drivers) 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.

It’s no secret that a speeding ticket can cause your insurance rates to go up, but some insurers are more forgiving than others. Farmers has the most affordable coverage for drivers with a speeding ticket, with an annual average premium of $1,782. That’s about 35 percent lower than the statewide average of $2,731. For military-affiliated drivers, USAA has the next cheapest average rates at $2,025.

Farmers has the cheapest car insurance in Nebraska for drivers with an at-fault accident, with an average annual rate of $1,866 — about 48 percent less than the statewide average of $3,558. Auto-Owners and USAA also offer solid value, with average annual premiums of $2,212 and $2,342, respectively.

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 $2,470. That’s about 40 percent lower than the statewide average of $4,114. 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.

Farmers has the cheapest car insurance for Nebraska drivers with low credit, with an annual average premium of $2,286 , which is almost 48 percent cheaper than the statewide average of $4,394. GEICO and USAA follow at $2,786 and $2,841 annually on average.

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, but it’s only available to military members, veterans, and their family members. Nationwide also ranked above average in both regional and national surveys. While customer service ratings are not available for North Star Mutual, it performed well in CRASH Network’s Insurer Report Card, which surveys collision repair shops on insurers’ claims practices.

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.

Auto insurance rates in Nebraska can vary, depending on where you live. Omaha has the highest average annual premium at $2,514 per year. Drivers in Lincoln enjoy lower rates, paying about $2,146 annually for full coverage. 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.

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.

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: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible