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Shopping around is crucial if you’re looking for cheap car insurance in Nebraska. Prices for the same coverage and limits can vary wildly depending on the company, your age and crash history and other factors.
To make things easier, NerdWallet gathered rates from the seven largest insurers in the Cornhusker State and found the three cheapest options for several types of motorists.
Cheapest for good drivers
State Farm had the lowest rates we found in Nebraska for good drivers with good credit, at roughly $82 per month, on average. American Family and Nationwide came in second and third, respectively.
| Insurer | Average price | Get your rate |
|---|---|---|
|
4.0NerdWallet rating |
$984/year $82/month |
Get a quote |
|
4.0NerdWallet rating |
$1,102/year $92/month |
Get a quote |
|
4.0NerdWallet rating |
$1,110/year $93/month |
Get a quote |
For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard “full coverage” insurance, including state-required coverage.
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Cheapest for drivers with poor credit
Nationwide had the best auto insurance rates we found for Nebraska drivers with spotty credit, at $130 per month, on average. Farmers Mutual of Nebraska and Allstate round out the cheapest three.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$1,563/year $130/month |
Get a quote |
|
NerdWallet Rating: *Not rated |
$1,615/year $135/month |
Get a quote |
|
4.0NerdWallet rating |
$1,808/year $151/month |
Get a quote |
Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard “full coverage” insurance.
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Cheapest for drivers with one at-fault crash
State Farm had the cheapest auto insurance in our analysis for Nebraska drivers with a recent accident on-record, at $95 per month, on average. Farmers Mutual of Nebraska and American Family complete the list.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$1,139/year $95/month |
Get a quote |
|
NerdWallet Rating: *Not rated |
$1,362/year $113/month |
Get a quote |
|
4.0NerdWallet rating |
$1,370/year $114/month |
Get a quote |
To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical “full coverage” insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.
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Cheapest for low-mileage drivers
State Farm had the best insurance rates we found for Nebraskans who drive few annual miles, at $74 per month, on average. American Family and Nationwide also made the cut.
| Insurer | Average price | Get your rate |
|---|---|---|
|
4.0NerdWallet rating |
$882/year $74/month |
Get a quote |
|
4.0NerdWallet rating |
$985/year $82/month |
Get a quote |
|
4.0NerdWallet rating |
$1,110/year $93/month |
Get a quote |
Whether you’re retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical “full coverage” insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.
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Cheapest for minimum coverage
Farmers Mutual of Nebraska was the cheapest carrier for minimum coverage auto insurance in the state, at $25 per month, on average. State Farm and Farm Bureau Financial Services were second- and third-cheapest, respectively.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Farm Bureau and Farmers Mutual of Nebraska are not rated because there is not enough data to evaluate it against larger companies. | ||
|
NerdWallet Rating: *Not rated |
$296/year $25/month |
Get a quote |
|
4.0NerdWallet rating |
$349/year $29/month |
Get a quote |
|
NerdWallet Rating: *Not rated |
$383/year $32/month |
Get a quote |
We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn’t typically recommended, since it might not cover all the bills resulting from a car accident, but it’s better than nothing — especially if you can’t afford much more.
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Minimum required auto insurance in Nebraska
Nebraska drivers must carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:
- $25,000 bodily injury liability coverage per person.
- $50,000 bodily injury liability coverage per crash.
- $25,000 property damage liability coverage per crash.
- $25,000 uninsured motorist bodily injury coverage per person.
- $50,000 uninsured motorist bodily injury coverage per crash.
Because damages stemming from a crash could exceed the above limits, consider buying more than the bare minimum. You might also want common add-ons such as collision or comprehensive coverage, which pay for damage to your own car.
Check out NerdWallet’s guide to car insurance requirements by state for a better understanding of the coverages in your Nebraska auto policy.
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Alternative car insurance in Nebraska
If you’re having trouble getting car insurance because of a bad driving record, poor credit or other factors, you can seek coverage through the Nebraska Automobile Insurance Plan.
For more help finding cheap car insurance in Nebraska, try our car insurance comparison tool.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Nebraska
| Category | Cheapest option |
|---|---|
| Good drivers | State Farm |
| Drivers with poor credit | Nationwide |
| Drivers with one at-fault crash | State Farm |
| Low-mileage drivers | State Farm |
| Minimum coverage | Farmers Mutual of Nebraska |
Methodology
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured motorist bodily injury coverage per person.
- $300,000 uninsured motorist bodily injury coverage per crash.
- Collision coverage with $1,000 deductible.
- Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
- For drivers with one at-fault crash, we added a single at-fault crash.
- For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
- For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.
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