Low-cost car insurance in Nebraska

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Drivers in Nebraska can find the cheapest average premium with Farmers Mutual of Nebraska, at $1,605 per year. By comparison, the statewide average monthly cost is $199. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Nebraska requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Nebraska, depending on your situation.

Key Takeaways

Farmers Mutual of Nebraska has the lowest average car insurance premium in Nebraska, costing $1,605 per year. That’s $782 the state average.
For drivers with an at-fault accident on record, Auto-Owners offers the most affordable coverage at around $2,474 annually.
The 68516 ZIP code stands out as the cheapest area for auto insurance in Nebraska, with an average yearly cost of $1,879.

Low-cost car insurance companies in Nebraska

Farmers Mutual of Nebraska offers the lowest car insurance rates in Nebraska, with an average annual premium of $1,605 per year. It’s $782 less expensive than the average car insurance cost in Nebraska. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Farmers Mutual of Nebraska	$1,605
Auto-Owners	$1,638
Shelter Insurance	$2,346
Progressive	$2,515
Allstate	$2,824
GEICO	$2,859
Iowa Farm Bureau	$4,829
USAA*	$1,797

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Nebraska

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Carriers reviewed

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Quotes analysed

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ZIP codes examined

ZIP codes with the cheapest car insurance in Nebraska

Drivers in the 68516 ZIP code pay the lowest average annual premium in Nebraska, at $1,879. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
68516	Lincoln	$1,879
68520	Lincoln	$1,881
68512	Lincoln	$1,882
68508	Lincoln	$1,887
68522	Lincoln	$1,890
68505	Lincoln	$1,896
68504	Lincoln	$1,896
68506	Lincoln	$1,900
68523	Lincoln	$1,900
68528	Lincoln	$1,903

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Auto 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 city

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Low-cost car insurance in Nebraska by age

Teenagers pay significantly more for car insurance than adults in Nebraska. For instance, a 16-year-old driver pays $7,262 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Nebraska.

Age group	Full coverage annual premiums
Teens (16-19)	$7,264
Young Adults (20-24)	$3,758
Adults (25-60)	$2,429
Seniors (65-75)	$2,296

Low-cost car insurance in Nebraska by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Nebraska

Just one speeding ticket in Nebraska can raise your rates by 40% – $955 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,638	$2,564	56%	$926
GEICO	$2,859	$3,081	8%	$222
Allstate	$2,824	$3,090	9%	$266
Progressive	$2,515	$3,603	43%	$1,088
USAA*	$1,797	$2,240	25%	$443

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Nebraska

Auto-Owners offers the lowest car insurance rates to drivers after an at-fault accident at $2,474 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,638	$2,474	51%	$835
Allstate	$2,824	$3,957	40%	$1,133
Progressive	$2,515	$4,349	73%	$1,835
GEICO	$2,859	$5,948	108%	$3,089
USAA*	$1,797	$2,669	49%	$872

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Nebraska

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Nebraska are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,515	$3,032	$517	21%
Auto-Owners	$1,638	$3,223	$1,585	97%
Allstate	$2,824	$3,638	$814	29%
GEICO	$2,859	$9,596	$6,737	236%
USAA*	$1,797	$3,728	$1,931	107%

*USAA is only available to military community members and their families.

Average cost of car insurance Nebraska

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Nebraska, the average cost of full coverage is $126 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Nebraska, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Nebraska.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Nebraska. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.