Best car insurance companies in Nebraska

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    Article Highlights

    For drivers looking for the best car insurance in Nebraska, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Nebraska and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Nebraska.

    The average Nebraska driver pays $1,324 per year for insurance, which breaks down to about $110 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Nebraska and may not reflect your actual premium quote.

    Nebraska Quickfacts

    • Cheapest carrier for full coverage in Nebraska is Nationwide: $1,111
    • Cheapest carrier for minimum coverage in Nebraska is Auto-Owners: $243
    • Carrier with highest customer satisfaction in Nebraska: USAA
    • Number of uninsured drivers in Nebraska: 6.8%
    • Nebraska is on the lower end for car insurance rates

    Average cost of car insurance in Nebraska

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,329$1,589$1,880
    Minimum coverage$389$465$563

    Quadrant data services, 2020

    Best car insurance companies in Nebraska

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,450$517
    Farmers$1,400$456
    Progressive$1,667$487
    State Farm$1,246$375
    USAA$1,164$375
    Auto-Owners$1,192$243
    Nationwide$1,111$415
    Iowa Farm Bureau$1,192$332
    Farmers Mutual of Nebraska$1,391$296
    North Star Mutual$1,611$286

    Quadrant data services, 2020

    Car insurance rates in Nebraska by city

    City Full coverage annual rate Minimum coverage annual rate
    Omaha$1,427$441
    Lincoln$1,204$381
    Bellevue$1,292$408
    Grand Island$1,220$302
    Kearney$1,206$284

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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