USAA stands out as the top pick overall, offering exceptional rates and coverage, especially for military drivers, while State Farm and Geico provide competitive options for teens, married couples, and seniors.

Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
#1	$12	A++	Military Drivers	USAA
#2	$17	A++	Employee Discount	Geico
#3	$21	B	Local Agents	State Farm
#4	$22	A+	Multi-Policy Savings	Nationwide
#5	$24	A++	Specialized Coverage	Travelers
#6	$30	A	Group Discounts	Farmers
#7	$31	A+	Loyalty Rewards	Progressive
#8	$38	A+	UBI Discount	Allstate
#9	$40	A	Customer Service	American Family
#10	$110	A	Comprehensive Policies	Liberty Mutual

This article delves into the various factors affecting insurance rates in Nebraska, including location and driving history, and highlights ways to save money, such as leveraging employee discounts and working with local agents.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy for you.

What You Should Know

USAA is the top pick, offering exceptional coverage and rates, especially for military drivers
Discover the best and cheapest car insurance in Nebraska with rates as low as $12/month
Tailor your policy to meet unique needs like teen drivers, married couples, and seniors

On this page:

#1 – USAA: Top Overall Pick

USAA: Best and Cheapest Car Insurance in Nebraska

Pros

Competitive Rates: USAA customer reviews highlight its competitive and affordable car insurance rates in Nebraska, with prices starting as low as $12 per month.
Military Benefits: Exceptional discounts and coverage options for military drivers, making it ideal for Nebraska's service members.
Local Agents: Availability of knowledgeable local agents to help tailor policies to individual needs in Nebraska.

Cons

Eligibility Restrictions: Only available to military members, veterans, and their families.
Digital Experience: While improving, the app and online services can still lag behind some other top providers.

#2 – Geico: Best for Employee Discount

Geico: Best and Cheapest Car Insurance in Nebraska

Pros

Affordable Rates: Known for some of the cheapest car insurance rates in Nebraska, offering competitive pricing.
Wide Availability: Extensive presence with multiple local agents throughout Nebraska.
Discount Options: Offers a variety of discounts, including for good drivers, students, and federal employees. For a thorough understanding, refer to our detailed analysis titled "What Is a Driving Record and What Does It Track?"

Cons

Coverage Limitations: Some specialized coverages, like gap insurance, may not be available.
Claims Process: Some customers report slower claims processing times compared to top competitors like USAA.

#3 – State Farm: Best for Local Agents

State Farm: Best and Cheapest Car Insurance in Nebraska

Pros

Competitive Rates: State Farm insurance customer reviews highlight it as one of the top providers of affordable car insurance in Nebraska, particularly benefiting married couples and seniors.
Comprehensive Coverage Options: Extensive options for additional coverage such as roadside assistance and rental car reimbursement.
Discounts: Multiple discounts available, including safe driver, multi-policy, and good student discounts.

Cons

Higher Rates for Teen Drivers: Not the cheapest option for teen drivers in Nebraska.
Limited Online Tools: Digital tools and online policy management options are not as advanced as other insurers.

#4 – Nationwide: Best for Multi-Policy Savings

Nationwide: Best and Cheapest Car Insurance in Nebraska

Pros

Multi-Policy Discounts: Significant savings when bundling auto and home insurance, which is beneficial for Nebraska families.
Strong Financial Stability: Reliable claims handling due to Nationwide’s solid financial health, important for Nebraska residents dealing with weather-related claims.
Vanishing Deductible: Nationwide customer reviews highlight that the company rewards safe drivers by gradually lowering their deductibles, which is particularly beneficial given Nebraska's relatively safe driving conditions.

Cons

Average Customer Service Ratings: Some Nebraska customers report mixed experiences with customer service.
Limited Local Agents: Fewer local agents in rural Nebraska areas, potentially making in-person service less accessible.

#5 – Travelers: Best for Specialized Coverage

Travelers: Best and Cheapest Car Insurance in Nebraska

Pros

Comprehensive Coverage Options: Offers specialized policies such as gap insurance and ridesharing coverage, ideal for Nebraska residents with unique insurance needs.
Green Car Discounts: Provides discounts for hybrid and electric vehicles, which can appeal to environmentally conscious drivers in Nebraska.
Multi-Policy Discounts: Travelers Companies, Inc. customer reviews highlight the savings Nebraska homeowners can achieve by bundling home and auto policies.

Cons

Higher Premiums: Specialized coverages can lead to higher premiums for Nebraska drivers.
Mixed Customer Service Reviews: Some Nebraska customers report inconsistent experiences with customer service.

#6 – Farmers: Best for Group Discounts

Farmers: Best and Cheapest Car Insurance in Nebraska

Pros

Extensive Group Discounts: Farmers insurance customer reviews highlight available discounts for numerous professional and alumni groups, making it advantageous for professionals and graduates in Nebraska.
Strong Local Agent Network: Many local agents across Nebraska, providing personalized service and local expertise.
Accident Forgiveness: Keeps rates stable after the first at-fault accident, ideal for Nebraska drivers looking for stability.

Cons

Higher Premiums for Some Coverages: Specialized coverages can lead to higher premiums for Nebraska drivers.
Limited Online Tools: Fewer online self-service tools compared to other insurers, which might be inconvenient for tech-savvy Nebraska residents.

#7 – Progressive: Best for Loyalty Rewards

Progressive: Best and Cheapest Car Insurance in Nebraska

Pros

Competitive Rates in Nebraska: Progressive offers some of the most competitive rates in Nebraska, making it an attractive option for budget-conscious drivers.
Extensive Discounts: Progressive offers a wide range of discounts, including multi-policy, multi-car, and continuous coverage discounts that are beneficial to Nebraskans.
Comprehensive Online Tools: Progressive insurance customer reviews highlight the high ratings of its online quote and policy management tools, offering great convenience for drivers in Nebraska.

Cons

Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for high-risk drivers in Nebraska compared to other insurers.
Variable Claims Experience: Some customers in Nebraska have reported inconsistent claims experiences, with delays and communication issues.

#8 – Allstate: Best for UBI Discount

Allstate: Best and Cheapest Car Insurance in Nebraska

Pros

Drivewise Program: Allstate's Drivewise program offers significant savings for safe drivers in Nebraska, rewarding good driving habits.
Local Agents: Allstate customer reviews highlight the strong network of local agents in Nebraska, offering personalized service and support.
Comprehensive Coverage Options: Allstate offers a wide range of coverage options, including accident forgiveness and new car replacement, which are attractive to Nebraska drivers.

Cons

Higher Base Rates: Allstate's base rates can be higher compared to other insurers in Nebraska, making it less competitive for budget-conscious drivers.
Mixed Customer Reviews: Some Nebraska customers have reported mixed experiences with Allstate's customer service and claims handling.

#9 – American Family: Best for Customer Service

American Family: Best and Cheapest Car Insurance in Nebraska

Pros

Local Agents: American Family has a strong presence in Nebraska with numerous local agents, providing personalized service and understanding of regional needs.
Customer Satisfaction: American Family insurance customer ratings in Nebraska highlight excellent service, making policyholders feel appreciated and well-supported.
Customizable Policies: Offers a range of coverage options that can be tailored to meet the specific needs of Nebraska residents, including farm and ranch insurance.

Cons

Limited Availability: American Family's coverage might not be as widely available in rural areas of Nebraska compared to urban centers.
Higher Premiums: Some customers in Nebraska report higher premiums compared to other local providers.

#10 – Liberty Mutual: Best for Comprehensive Policies

Liberty Mutual: Best and Cheapest Car Insurance in Nebraska

Pros

Comprehensive Coverage: Liberty Mutual insurance customer reviews highlight the extensive policy options available, catering to a wide range of needs in both urban and rural areas of Nebraska.
Discount Programs: Multiple discount programs for Nebraskans, including bundling, new car, and multi-car discounts.
24/7 Claims Assistance: Reliable 24/7 claims assistance for Nebraskans, especially useful during severe weather events.

Cons

Higher Rates: Some Nebraskans find Liberty Mutual's rates to be higher than local competitors.
Complex Policies: The comprehensive nature of policies can be confusing, requiring Nebraskans to spend more time understanding their coverage.

Comparing Monthly Premiums for Minimum and Full Coverage Car Insurance in Nebraska

Discover the varying costs of car insurance in Nebraska with insights into minimum and full coverage premiums from top insurance providers. This overview highlights the most affordable options and contrasts them with higher-priced alternatives, helping you make an informed decision on your car insurance needs. To broaden your understanding, explore our comprehensive resource on insurance coverage titled "Top Ways Customers Have Saved Money on Car Insurance Rates."

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$38	$136
American Family	$40	$145
Farmers	$30	$107
Geico	$17	$61
Liberty Mutual	$110	$398
Nationwide	$22	$77
Progressive	$31	$110
State Farm	$21	$76
Travelers	$24	$88
USAA	$12	$44

This table compares the monthly premiums for minimum and full coverage car insurance from various companies. Allstate, American Family, and Liberty Mutual have higher premiums, especially for full coverage, whereas Geico and USAA offer the lowest rates. Farmers and Progressive provide moderate pricing, with State Farm and Nationwide offering competitive rates in both categories. Travelers sits in the middle, with affordable options for both coverage types.

This table provides a comprehensive overview of the various discounts offered by the leading car insurance companies in Nebraska. It highlights the available discounts, allowing you to easily compare and choose the best provider for your needs.

Cheapest Teen Car Insurance Rates in Nebraska

USAA of Nebraska is the cheapest car insurance option for both female and male teen drivers on average in Nebraska when compares to the largest car insurance companies in the state. Teen drivers are at a disadvantage, especially when it comes to collision coverage, because they don't have a lot of experience.

So they're much more likely to be in an accident that will result in an insurance claim. Cheap car insurance isn't the same for teens compared to more seasoned drivers. For a comprehensive analysis, refer to our detailed guide titled "If a car accident is not your fault, does your insurance go up?"

The table presents a detailed comparison of monthly car insurance rates for 18-year-old teen drivers in Nebraska, focusing on the most affordable options available from a range of insurance companies. It includes specific rates for both female and male drivers, highlighting the variations in premiums based on gender for each insurance provider.

Insurance Company	Female (Age 18)	Male (Age 18)
Allstate	$89	$102
American Family	$50	$73
Farmers	$185	$191
Geico	$91	$130
Liberty Mutual	$203	$227
Nationwide	$60	$77
Progressive	$161	$183
State Farm	$52	$66
Travelers	$165	$230
USAA	$56	$67

These rates are based on profiles for 18-year-old male and female drivers in Nebraska. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Nebraska will differ. Rate data is provided by Quadrant Information Services.

Cheapest Car Insurance Rates for a Married Couple in Nebraska

Out of the 10 largest companies in the state, USAA offers the cheapest car insurance rates for married couples in Nebraska on average. Married couples often have more experience and stability. They're also more likely to own a home, which comes with insurance discounts of its own. The average rate for cheap car insurance for married couples can vary widely based on a mix of factors. For detailed information, refer to our comprehensive report titled "Can I remove my spouse from my car insurance?"

This table provides a comprehensive comparison of the monthly car insurance rates from various insurance companies for a married couple residing in Nebraska. The rates take into account the demographic factors of marital status and state residency, offering a detailed look at how these factors influence the cost of car insurance.

Insurance Company	Rates
Allstate	$41
American Family	$33
Farmers	$44
Geico	$28
Liberty Mutual	$53
Nationwide	$27
Progressive	$37
State Farm	$24
Travelers	$32
USAA	$23

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nebraska will differ. Rate data is provided by Quadrant Information Services.

Cheapest Senior Car Insurance Rates in Nebraska

USAA offers the cheapest car insurance rates for male and female drivers on average in Nebraska when compared with the other most popular auto insurance companies in the state. Keep in mind, some insurance companies cater to senior drivers and have specialized discounts, in part because senior drivers are by nature lower risk.

They have more experience and cleaner driving records leading to much better auto insurance rates. You might be surprised by how much you can save. To enhance your understanding, explore our comprehensive resource on insurance titled "Ways to Save on Senior Driver Car Insurance."

The table below presents the monthly car insurance rates for senior drivers in Nebraska, focusing on the comparison of insurance costs for females and males at the age of 65. This data provides insights into how different insurance companies price their policies based on gender within this age group.

Insurance Company	Female (Age 65)	Male (Age 65)
Allstate	$34	$33
American Family	$29	$29
Farmers	$34	$34
Geico	$25	$24
Liberty Mutual	$43	$47
Nationwide	$19	$20
Progressive	$26	$25
State Farm	$18	$18
Travelers	$26	$27
USAA	$15	$15

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nebraska will differ. Rate data is provided by Quadrant Information Services.

Cheapest Auto Insurance Locations in Nebraska

Whether you want bodily injury liability coverage or a more comprehensive auto policy, the cheapest area for car insurance in Nebraska is Columbus. While car insurance rates vary by state, they also vary by city and even the neighborhood you live in.

The table provides a detailed comparison of the monthly rates for the cheapest auto insurance locations in Nebraska, taking into account various, including age, gender, driving record, and vehicle type. These rates reflect the cost of auto insurance for diverse driver profiles in different cities across the state, offering a comprehensive overview of where to find the most affordable coverage.

City	Rates
Columbus	$89
Grand Island	$89
Henderson	$90
Aurora	$90
Bradshaw	$90
Platte Center	$90
Humphrey	$90
Creston	$90
Benedict	$90
Alda	$90

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nebraska will differ. Rate data is provided by Quadrant Information Services.

The Most Expensive Areas in Nebraska for Car Insurance

Since different areas of Nebraska have different crime rates and number of accidents, car insurance rates vary based on the location you live in. On average, the most expensive area in Nebraska for car insurance is Melbeta. The table below displays the top 10 most expensive areas in Nebraska for car insurance based on average rates for a single adult. Check out our ranking of the top providers: Best Car Insurance Companies That Don't Ask for Criminal Convictions.

This table presents the monthly car insurance rates for various cities in Nebraska, considering demographics such as age, driving history, and credit score, with Melbeta being the most expensive area at $111 per month.

City	Rates
Melbeta	$111
Mcgrew	$110
Whiteclay	$110
Curtis	$108
Hayes Center	$108
Manley	$108
Palisade	$107
Winslow	$107
Cedar Creek	$107
Omaha	$107

Minimum Car Insurance Coverage and Limits in Nebraska

In Nebraska, drivers are required to purchase only liability coverage. The state’s minimum coverage limits are listed below, but purchasing only the minimum limits is likely to leave you underinsured. Selecting higher limits would help ensure you have sufficient coverage if you’re at fault in a costly accident.

USAA: Best and Cheapest Car Insurance in Nebraska

And purchasing just liability insurance could leave you underinsured as well, as it covers only other people and their property. Liability insurance will not cover damage to your own car or injuries you sustain in an accident you cause. That’s why it’s important to look into the optional coverages you can add to your policy, such as medical payments, collision and comprehensive. You can learn more about different car insurance coverages here.

Nebraska state minimum requirements:

Here is a list of Nebraska's minimum coverage requirements:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

BQ: Best and Cheapest Car Insurance in Nebraska

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Understanding the Calculation of Car Insurance Rates in Nebraska

When searching and comparing quotes from the best auto insurance companies in Nebraska, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

Driving Record & Mileage
Age, Gender, & Marital Status
Your Car’s Make, Model, and Year
Location
Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case? For a comprehensive overview, explore our detailed resource titled "What Is Considered a Clean Driving Record?"

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

Nebraska is known for having severe winter weather, which can make for dangerous driving conditions at times. Nebraska was ranked third for the states with the highest number of fatal winter crashes across the United States. Keep in mind that if there are high numbers of car accidents. in your area, it could affect your car insurance rates.

Effective Strategies to Save Money on Your Car Insurance in Nebraska

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Nebraska car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are five ways you may be able to lower your car insurance rates:

Bundle Policies
Raise Deductibles
Pay in Full
Try Usage-Based Insurance
Shop for Better Rates

By comparing quotes, seeking discounts, and adjusting your coverage, you can significantly reduce your car insurance costs in Nebraska. Remember to maintain a good credit score and drive safely to keep your premiums low. With these strategies, you can find affordable and reliable coverage that suits your needs. To gain profound insights, consult our extensive guide titled "Safety Tips for Driving at Night."

Clearsurance's Methodology for Rating and Ranking Nebraska's Best Car Insurance

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

Price
Customer Service
Claim service
Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

BQ: Best and Cheapest Car Insurance in Nebraska

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. To expand your knowledge, refer to our comprehensive handbook titled "Tips We Learned After Filing An Car Insurance Claim."

Finding the Best Car Insurance in Nebraska

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

It also identifies the most affordable and expensive areas for car insurance in the state, explains Nebraska's minimum coverage requirements, and offers tips for saving money on premiums. We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.

Frequently Asked Questions

What is the cheapest car insurance in Nebraska?

State Farm is the cheapest company in Nebraska for a full coverage policy, at $105 per month. That's 34% cheaper than the Nebraska state average. It's also $20 per month less than the second-cheapest companies, Farmers and Progressive. The average cost of car insurance in Nebraska is $159 per month for full coverage.

How much is car insurance per month in Nebraska?

In Nebraska, the average monthly cost for a state minimum coverage auto insurance policy is $35, while a full coverage policy averages at $88 per month.

What is the minimum car insurance in Nebraska?

Nebraska's minimum requirements for car insurance coverage are: Bodily injury liability coverage: $25,000 per person and $50,000 per accident. Property damage liability coverage: $25,000. Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident.

Which type of car insurance is best?

Comprehensive car insurance policy, this type of insurance policy provides complete protection. It covers both third-party liabilities as well as damages to your vehicle. Also, with a comprehensive cover, you can get compensation if the accident results in your death; the family members will receive the benefit.

Is it illegal to drive without insurance in Nebraska?

Driving without insurance in Nebraska. In Nebraska, if you receive a citation for "No Proof of Insurance" and you're the vehicle owner, your driver's license will be immediately suspended. To get it back, you must file proof of financial responsibility and pay a $50 reinstatement fee.

Do you need proof of insurance in Nebraska?

Nebraska law requires that all drivers carry certain levels of car insurance coverage in order to be legal. Proof of this coverage must be carried when behind the wheel. Furthermore, this proof must be shown at the request of any law enforcement official.

What car insurance is required in Nebraska?

In Nebraska, liability car insurance is mandatory for all drivers. Liability insurance covers only the other car and/or that car's driver and passengers when you are found at fault for the accident. Your liability insurance minimums for Nebraska are: $25,000 bodily injury liability to one person in an accident.

Is Nebraska a no-fault accident state?

Nebraska is a fault state, which means the person or party who is responsible for causing a car accident must pay for victims' resulting injuries and property damage.

What is the best type of car insurance to get?

Fully comprehensive insurance offers the best level of protection in the event of an accident. It may cost a bit more but it could save you a fortune if the worst should happen. Comprehensive cover will pay out for accidental damage to your own car, even if it was your own fault.

Is it illegal to not have car insurance in Nebraska?

Driving without insurance in Nebraska is illegal. If you're caught, you could face fines, suspension of your license and other consequences.

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Best and Cheapest Car Insurance in Nebraska (Top 10 Companies Ranked for 2024)

Frequently Asked Questions

What is the cheapest car insurance in Nebraska?

How much is car insurance per month in Nebraska?

What is the minimum car insurance in Nebraska?

Which type of car insurance is best?

Is it illegal to drive without insurance in Nebraska?

Do you need proof of insurance in Nebraska?

What car insurance is required in Nebraska?

Is Nebraska a no-fault accident state?

What is the best type of car insurance to get?

Is it illegal to not have car insurance in Nebraska?