Cheapest car insurance in Nebraska 2023

Illustration of a license plate with the shape of the state of Nebraska in the center, with text in the style of a license plate number that reads "SAV MOR"Image: Illustration of a license plate with the shape of the state of Nebraska in the center, with text in the style of a license plate number that reads "SAV MOR"

In a Nutshell

The average cost of car insurance in Nebraska varies based on individual circumstances such as credit, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers on basic coverage for those in the Cornhusker State.
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Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.


With almost 500 miles of interstate highways, Nebraska offers a wide open world for road-tripping. But could you be saving money on car insurance?

We looked at estimated car insurance rates from several Nebraska insurance companies and calculated the average cost of car insurance and which insurers offer the cheapest estimated rates for several driver needs and profiles.

If you’ve been shopping around, you know there are several factors that affect car insurance costs, including your age, vehicle type, mileage, coverage options and personal driving history. To compare insurers evenly, we based our calculations on a relatively neutral driver profile, so our Nebraska driver has no accidents, tickets, or claims (see our full methodology). Additionally, unless otherwise noted our cost estimations are for minimum insurance coverage. That means your rates could be different. But we know not everyone is the same — so we also did the math for drivers with different credit scores, ages and coverage options.

 Learn about Nebraska’s average car insurance rates and our findings for the cheapest options.



Cost of car insurance in Nebraska

Average monthly premiums for basic car insurance in Nebraska range from just over $35 up to around $85, depending on the type of coverage and driver profile.

Average monthly auto insurance premiums in Nebraska

Driver or coverageAvg. monthly cost
State-minimum car insurance in Nebraska$35.49
Drivers with poor credit in Nebraska$64.90
Drivers with multiple claims in Nebraska$84.73
Young drivers in Nebraska$59.23
Based on our standard driver profile and minimum coverage, unless otherwise noted

5 cheapest car insurance companies in Nebraska

Our research found that American National and Auto-Owners Insurance offered some of the most competitive rates for several different driver profiles. We’ve calculated the rates below based on a specific Nebraska driver profile seeking minimum coverage, as detailed in our methodology. Unless otherwise noted, characteristics include a credit score between 680 and 719, a driver between 36 and 45 years old, a history with no tickets or coverage gaps, and a car worth $20,000 to $30,000.

1. American National P&C

With American National, our Nebraska driver profile could find basic car insurance for as low as $11.33 monthly. American National offers car insurance through local agents. In addition to standard coverage options, it offers optional roadside assistance, gap insurance and replacement parts insurance.

2. Auto-Owners Insurance

With Auto-Owners Insurance, our Nebraska driver profile could find minimum-coverage insurance for as little as $17.58 per month. Like American National, Auto-Owners also sell insurance through local agents. In addition to state-mandated minimum coverage, optional coverages including collision, comprehensive, uninsured/underinsured motorist and medical payments are also available.

Check out reviews of Auto-Owners car insurance.

3. Farmers Mutual of Nebraska

Farmers Mutual of Nebraska could offer our Nebraska driver profile a monthly policy for around $22.33 for basic coverage. Choose from optional add-on coverages like medical payments, collision, comprehensive and uninsured/underinsured motorist coverage, and see if you qualify for discounts for bundling, being a good driver and going through a driver safety course.

4. IMT Insurance Company

Through IMT Insurance, our Nebraska driver profile could find a $22.83 monthly policy for minimum coverage. Through independent agents, IMT offers a range of coverage options, including optional standouts like identity recovery, new-car replacement, lock replacement, pet injury, glass repair and coverage for theft of clothing, luggage, camping gear and other sporting equipment.

5. North Star

Our Nebraska driver profile could get basic-coverage auto insurance through North Star for as low as $25 per month. North Star offers bodily injury liability and property damage liability. The insurer also offers optional add-ons like medical payments, collision, uninsured motorist, rental reimbursement, safety glass coverage and more.

Cheapest state-minimum car insurance in Nebraska

As its name suggests, state-minimum insurance is the minimum amount of coverage drivers can carry as required by the state. This is often the least expensive coverage option. Nebraska requires a minimum 25/50/25 insurance policy.

The following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.

5 cheapest car insurance companies in Nebraska for state-minimum coverage

1American National P&C$11.33/month
2Auto-Owners Insurance$17.58/month
3Farmers Mutual of Nebraska$22.33/month
4IMT Insurance Company$22.83/month
5North Star$25.00/month
Based on our standard driver profile seeking minimum coverage in Nebraska

Cheapest car insurance for good credit in Nebraska

If you have good credit, you may pay less for car insurance than someone with poor credit. That can help keep your overall car insurance costs low.

The following companies offer the lowest estimated rates for drivers with good credit.

5 cheapest car insurance companies in Nebraska for those with good credit

1American National P&C$7.67/month
2Auto-Owners Insurance$12.63/month
3Farmers Mutual of Nebraska$20.89/month
4IMT Insurance Company$21.11/month
5North Star$21.56/month
Based on our standard driver profile, adjusted to display rates for a Nebraska driver with a credit score of 720 or higher

Cheapest car insurance for poor credit in Nebraska

Drivers with lower credit scores may see higher car insurance bills. But your credit is just one factor determining the cost of your premium. Other factors, like your driving history, can also play a role in lowering or raising your monthly payments.

Here are the five companies with the lowest estimated rates for drivers with poor credit.

5 cheapest car insurance companies in Nebraska for those with poor credit

1Geico$31.27/month
2Farmers Mutual of Nebraska$32.17/month
3American National P&C$34.67/month
4Allied$34.77/month
5IMT Insurance Company$34.92/month
Based on our standard driver profile, adjusted to display rates for a Nebraska driver with a credit score below 580

Cheapest car insurance for drivers with multiple claims in Nebraska

Your personal claims history also helps insurers determine the cost of your premium. If you have more than a few claims on your record, you’ll likely pay more for car insurance than someone with no claims.

The following companies have the lowest estimated rates for drivers with multiple insurance claims.

5 cheapest car insurance companies in Nebraska for multiple claims

1American National P&C$20.67/month
2Auto-Owners Insurance$31.38/month
3North Star$32.00/month
4Farmers Mutual of Nebraska$32.00/month
5Geico$53.50/month
Based on our standard driver profile adjusted to display rates for a Nebraska driver with two claims instead of zero claims

Cheapest car insurance for young drivers in Nebraska

Your age can also help determine how much you pay for car insurance. Younger drivers are often more expensive to insure, whether on their own policy or bundled in a policy with other drivers. Over time, as you get older and maintain a safe driving record, your rates should decrease.

Drivers between the ages of 18 and 21 may want to shop around at the following insurance companies.

5 cheapest car insurance companies in Nebraska for young drivers

1American National P&C$21.17/month
2Auto-Owners Insurance$32.50/month
3Geico$33.07/month
4North Star$33.67/month
5Farmers Mutual of Nebraska$34.33/month
Based on our standard driver profile, adjusted to display rates for a Nebraska driver aged 18–21 instead of 36–45

Nebraska auto insurance requirements

Nebraska requires $25,000 per person and at least $50,000 per accident for bodily injury liability. It also requires at least $25,000 for property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.

Is usage-based insurance available in Nebraska?

Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Nebraska drivers may be eligible to take advantage of UBI programs with their insurers to decrease the cost of their premiums.

FAQs about the cheapest car insurance rates in Nebraska

What is the minimum auto insurance in Nebraska?

Nebraska requires 25/50/25 auto insurance, which means a driver’s policy should cover at least $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 for property damage.

Is Nebraska a no-fault state?

Nebraska is an at-fault state, which means if you’re found to have caused an accident, your insurance provider will be responsible for covering most of the financial damages for both you and the other people in the accident.

What happens if you have no insurance in Nebraska?

If you’re caught driving without insurance in Nebraska, your license will be automatically suspended. You’ll have to pay a $50 reinstatement fee and keep proof of financial responsibility, usually in the form of an SR-22 form, on record with the DMV for three years.

Methodology

The estimated rates in this article are the lowest based on the profile of a driver age 36 to 45 living in Nebraska. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.

The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes Nebraska-mandated 25/50/25 insurance policy.


About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.