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.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
- 5 cheapest car insurance companies in Nebraska
- Cheapest state-minimum car insurance in Nebraska
- Cheapest car insurance for good credit in Nebraska
- Cheapest car insurance for poor credit in Nebraska
- Cheapest car insurance for drivers with multiple claims in Nebraska
- Cheapest car insurance for young drivers in Nebraska
- Nebraska auto insurance requirements
- Is usage-based insurance available in Nebraska?
- FAQs about the cheapest car insurance rates in Nebraska
- Methodology
Cost of car insurance in Nebraska
Average monthly premiums for basic car insurance in Nebraska range from just under $35 up to around $84, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Nebraska
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Nebraska | $34.68 |
| Drivers with poor credit in Nebraska | $66.79 |
| Drivers with multiple claims in Nebraska | $83.80 |
| Young drivers in Nebraska | $69.16 |
5 cheapest car insurance companies in Nebraska
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
American National P&C offers car insurance through a network of local agents. Standout additional coverage options include roadside assistance, gap insurance and replacement parts coverage. Plus, customers involved in an accident with other cars insured by American National P&C can get discounted deductibles.
2. IMT Insurance Company
Founded in the 1880s, IMT Insurance offers car insurance through independent agents in a few midwestern states. IMT offers a range of coverage options, including unique optional add-ons 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.
3. Farmers Mutual of Nebraska
Founded in 1891, Farmers Mutual of Nebraska offers coverage in a handful of midwestern states. 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. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
5. North Star
North Star offers insurance through independent agents, mostly in Midwest states. In addition to personal vehicles, North Star can cover antique and classic cars, motor homes, travel trailers, motorcycles, snowmobiles and more. Standard car insurance coverage is available, as are optional add-ons like collision, comprehensive, uninsured/underinsured motorist, rental reimbursement, towing, customization, and safety glass coverages.
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
| 1 | American National P&C | $11.33/month |
| 2 | IMT Insurance Company | $21.50/month |
| 3 | Farmers Mutual of Nebraska | $24.17/month |
| 4 | Geico | $26.48/month |
| 5 | North Star | $27.50/month |
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
| 1 | American National P&C | $7.72/month |
| 2 | Auto-Owners Insurance | $19.10/month |
| 3 | IMT Insurance Company | $19.83/month |
| 4 | Farmers Mutual of Nebraska | $22.61/month |
| 5 | Geico | $22.80/month |
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
| 1 | IMT Insurance Company | $32.63/month |
| 2 | American National P&C | $34.83/month |
| 3 | Geico | $34.98/month |
| 4 | Farmers Mutual of Nebraska | $35.00/month |
| 5 | Nationwide | $36.77/month |
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
| 1 | American National P&C | $20.00/month |
| 2 | Nationwide | $31.00/month |
| 3 | Farmers Mutual of Nebraska | $38.67/month |
| 4 | North Star | $46.67/month |
| 5 | Auto-Owners Insurance Co | $49.63/month |
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
| 1 | American National P&C | $22.67/month |
| 2 | Geico | $38.34/month |
| 3 | Farmers Mutual of Nebraska | $45.67/month |
| 4 | North Star | $46.83/month |
| 5 | IMT Insurance Company | $50.83/month |
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
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.
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.
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.