Best & Cheapest Car Insurance Nebraska has to offer as Rated by Customers in 2024

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
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PURE
4.49 ★★★★★
4.49 ★★★★★
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Excellent
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#3
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4.20 ★★★★★
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Excellent
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#4
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4.18 ★★★★★
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Excellent
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#5
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4.18 ★★★★★
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#6
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4.17 ★★★★★
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Excellent
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#7
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4.17 ★★★★★
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#8
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the hartford
4.15 ★★★★★
4.15 ★★★★★
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#9
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AAA
4.12 ★★★★★
4.12 ★★★★★
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Excellent
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#10
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Grinnell Mutual
4.11 ★★★★★
4.11 ★★★★★
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Excellent
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#11
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4.10 ★★★★★
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Excellent
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#12
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4.10 ★★★★★
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#13
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4.09 ★★★★★
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#14
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4.09 ★★★★★
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#15
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4.08 ★★★★★
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#16
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4.06 ★★★★★
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#17
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4.05 ★★★★★
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#18
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#19
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MetLife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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#20
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allstate
4.00 ★★★★★
4.00 ★★★★★
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#21
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4.00 ★★★★★
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#22
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3.98 ★★★★★
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#23
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#24
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3.95 ★★★★★
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#25
/68
3.93 ★★★★★
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#26
/68
3.92 ★★★★★
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#27
/68
3.92 ★★★★★
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#28
/68
3.91 ★★★★★
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#29
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IMT Insurance
3.90 ★★★★★
3.90 ★★★★★
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#30
/68
3.83 ★★★★★
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#31
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dairyland
3.82 ★★★★★
3.82 ★★★★★
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#32
/68
3.72 ★★★★★
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#33
/68
3.62 ★★★★★
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#34
/68
3.57 ★★★★★
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#35
/68
3.55 ★★★★★
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#36
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clearcover
3.36 ★★★★★
3.36 ★★★★★
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#37
/68
3.35 ★★★★★
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#38
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Root Insurance
3.33 ★★★★★
3.33 ★★★★★
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#39
/68
3.30 ★★★★★
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#40
/68
3.25 ★★★★★
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#41
/68
3.08 ★★★★★
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#42
/68
2.64 ★★★★★
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#43
/68
2.50 ★★★★★
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#44
/68
2.43 ★★★★★
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#45
/68
2.22 ★★★★★
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#46
/68
5.00 ★★★★★
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#47
/68
4.50 ★★★★★
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#48
/68
4.31 ★★★★★
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#49
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4.30 ★★★★★
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#50
/68
4.12 ★★★★★
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#51
/68
Hagerty
4.00 ★★★★★
4.00 ★★★★★
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#52
/68
3.97 ★★★★★
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#53
/68
3.97 ★★★★★
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#54
/68
3.82 ★★★★★
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#55
/68
3.39 ★★★★★
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#56
/68
3.34 ★★★★★
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#57
/68
3.28 ★★★★★
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#58
/68
3.13 ★★★★★
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#59
/68
RentalCover.com
2.90 ★★★★★
2.90 ★★★★★
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#60
/68
2.82 ★★★★★
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#61
/68
UFG Insurance
2.70 ★★★★★
2.70 ★★★★★
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#62
/68
2.49 ★★★★★
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#63
/68
1.94 ★★★★★
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#64
/68
0.00 ★★★★★
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#65
/68
0.00 ★★★★★
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#66
/68
LeMars Insurance
0.00 ★★★★★
0.00 ★★★★★
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#67
/68
0.00 ★★★★★
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#68
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0.00 ★★★★★
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When shopping for a Nebraska car insurance policy, you want to have peace of mind that your insurance company will help you if you need to make a claim. Ensuring you’re getting quality customer service in addition to the right coverage is important to any customer. Our hope at Clearsurance is to help you get a better understanding of how a company performs before you even purchase a policy so you can select the best auto insurance in Nebraska. More importantly, we aim to find solutions for all drivers, not just those with a clean driving record. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Nebraska car insurance companies.

In the table above, you can sort through all the Nebraska car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Nebraska car insurance rankings.

Interested in learning more about one of these Nebraska car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Nebraska?

Farmers Mutual Insurance 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.

Company Female teen ratesMale teen rates
American Family Insurance $772 $1,235
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $914 $932
Farmers Mutual Insurance of Nebraska $434 $482
Progressive $2,225 $2,460
State Farm Insurance Company $770 $904

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.

Who offers the cheapest car insurance rates for a married couple in Nebraska?

Out of the five largest companies in the state, State Farm 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.

Company Married couple rates
American Family Insurance $1,782
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,980
Farmers Mutual Insurance of Nebraska $1,799
Progressive $2,014
State Farm Insurance Company $1,647

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.

Who offers the cheapest senior car insurance rates in Nebraska?

State Farm 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.

Company Female senior ratesMale senior rates
American Family Insurance $901 $901
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,070 $1,043
Farmers Mutual Insurance of Nebraska $823 $846
Progressive $929 $955
State Farm Insurance Company $747 $747

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.

Where is auto insurance the cheapest 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. In the table below, you can see the top 10 cheapest areas in Nebraska for car insurance based on average rates for a single adult.

Area Car insurance rates
Columbus $1,068
Grand Island $1,072
Henderson $1,075
Aurora $1,079
Bradshaw $1,080
Platte Center $1,082
Humphrey $1,082
Creston $1,082
Benedict $1,085
Alda $1,085

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.

What are 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.

Area Car insurance rates
Melbeta $1,329
Mcgrew $1,322
Whiteclay $1,318
Curtis $1,294
Hayes Center $1,294
Manley $1,290
Palisade $1,287
Winslow $1,281
Cedar Creek $1,281
Omaha $1,280

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.

What are the 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.

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:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

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.

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.

How are car insurance rates calculated 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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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?

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.

How can you 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 six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How does Clearsurance rate and rank the best car insurance companies in Nebraska?

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

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?

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.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in Nebraska?

Farmers Mutual Insurance 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.

Who offers the cheapest car insurance rates for a married couple in Nebraska?

Out of the five largest companies in the state, State Farm offers the cheapest car insurance rates for married couples in Nebraska on average.

Who offers the cheapest senior car insurance rates in Nebraska?

State Farm 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.

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