Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Nebraska Average car insurance cost in Nebraska The average premium for car insurance in Nebraska is $1,902 per year or $159 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Nebraska, the average annual premium is $1,902, per year or $159 monthly. This contrasts with the national average of $1,895, highlighting a variation of $7. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Nebraska, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,902 Average per month cost $159 Average cost for state minimum coverage $331 / Year Cheapest car insurance company Auto-Owners($1,193 / Year) Average cost for young drivers $2,963 / Year Average cost for Senior drivers $1,722 / Year Key TakeawaysThe average car insurance cost in Nebraska is $1,902 per year, based on Insure.com’s analysis.In Nebraska, the average premium for car insurance is $159 per month.Auto-Owners has the cheapest car insurance rates in Nebraska, at an average annual rate of $1,193 a year.Average car insurance cost in Nebraska per monthIn Nebraska, the monthly rate for car insurance is $159.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Nebraska, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in NebraskaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Nebraska is Auto-Owners, with an average annual cost of $1,193 and a monthly average of $99. Following closely is Nationwide, providing coverage at an average monthly rate of $101.The following table lists additional car insurance companies operating in Nebraska and their respective average monthly and annual costs. Affordable car insurance providers in Nebraska Graph Table Company nameAverage per month costAverage annual costAuto-Owners$99$1,193Nationwide$101$1,216Shelter Insurance$137$1,647Farmers Mutual of Nebraska$159$1,910Progressive$164$1,964State Farm$195$2,344Geico$198$2,372Iowa Farm Bureau$202$2,430Allstate$218$2,621USAA$111$1,328 Read our guide to cheap car insurance companies Nebraska car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Nebraska Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,820/Year OR $235/month Nebraska Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in NebraskaCar insurance rates in Nebraska are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $373 per year in Nebraska.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Nebraska amounts to $1,902 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Nebraska, the average annual cost for non-owner state minimum liability coverage is $186.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $331 in Nebraska.1State minimum:$3312Liability only:$3733Full coverage:$1,9024Non-owners:$186Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Nebraska by cityBellevueGrand IslandKearneyLincolnOmahaAverage car insurance cost in Nebraska by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Nebraska:CityAverage annual costBellevue$1,772Columbus$1,779Fremont$1,740Grand Island$1,785Hastings$1,771Kearney$1,799Lincoln$1,668Norfolk$1,807Omaha$1,944Papillion$1,723Average car insurance cost in Nebraska by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Nebraska, the average annual rate for young drivers is $2,963, whereas for seniors, it’s $1,722. Notably, the rate for young drivers surpasses that of senior drivers by $1,241.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Nebraska for young driversIn Nebraska, female young drivers typically pay an average annual car insurance cost of $2,797 and $233 per month. Conversely, male young drivers pay an average annual rate of $3,129, or $261 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,985 $3,496 21 $3,227 $2,828 22 $2,997 $2,690 23 $2,788 $2,534 24 $2,649 $2,437 Average car insurance cost in Nebraska for senior driversIn Nebraska, senior female drivers pay an annual car insurance cost of $1,703, equating to $142 per month. Similarly, male senior drivers face an average yearly expense of $1,741, or $145 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,663 $1,645 70 $1,720 $1,697 75 $1,841 $1,768 Read more about senior car insuranceMinimum car insurance requirements in NebraskaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Nebraska Department of Insurance, the required coverages and minimum coverage limits in Nebraska are as follows:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in Nebraska Insurance costs are lowest for Honda HR-V owners, with an annual premium of $1,759. Mazda CX-30 follows closely at $1,769 per year. The difference in the cost of insuring these two models is $10 annually.MakeModelAverage annual premiumHondaHR-V$1,759MazdaCX-30$1,769KiaSeltos$1,773HyundaiVenue$1,777ChevroletTrailBlazer$1,793VolkswagenTiguan$1,810ToyotaCorolla Cross$1,813VolkswagenTaos$1,819FordMaverick$1,824MazdaCX-5$1,825Most expensive cars to insure in NebraskaThe Maserati Quattroporte, at an average annual premium of $8,139, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $6,380 annually.MakeModelAverage annual premiumMaseratiQuattroporte$8,139AudiR8 Performance$7,924MaseratiQuattroporte Trofeo$7,831MaseratiGhibli Trofeo$7,657BMWM5$7,385BMWI7$7,350Land RoverRange Rover P530 Autobiography$7,350PorscheTaycan GTS$7,124GenesisG90$7,079NissanZ Performance$6,946MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Nebraska Non-owner car insurance in Nebraska Average renters insurance cost in Nebraska Average homeowners insurance cost in Nebraska In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Nebraska per monthCheapest car insurance companies in NebraskaAverage cost of car insurance by coverage levels in NebraskaAverage car insurance cost in Nebraska by cityAverage car insurance cost in Nebraska by age of the driverMinimum car insurance requirements in NebraskaCheapest cars to insure in NebraskaMost expensive cars to insure in NebraskaMethodology ZIP Code Please enter valid ZIP See rates