MoneySaverCodes

Car Insurance in Nebraska: 2026 Rates & Guide

Nebraska is a mid-range state for car insurance. The average driver pays $100/month ($1200/year). Here's how to find the best rate for your situation.

$100

Avg Monthly

$1200

Avg Annual

#37

Cost Rank (1=priciest)

$74

Cheapest Option/mo

Advertisement

Cheapest Car Insurance Companies in Nebraska (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Nebraska — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$74/mo4.5Get Quote
2
GEICO
$78/mo4.3Get Quote
3
American Family
$72/mo4.4
4
Progressive
$88/mo4.1Get Quote
5
Shelter Insurance
$70/mo4.5

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

Contains affiliate links — we may earn a commission at no cost to you.

Ready to get a quote?

Rates above are estimates — your actual quote may be lower. Takes 2 minutes.

State FarmGEICOSee discount codes →

Nebraska Car Insurance Requirements

Minimum Coverage: 25/50/25

Nebraska is an at-fault state. The driver who causes an accident is financially responsible.

Nebraska Insurance Facts

Nebraska is one of the more affordable Great Plains states for car insurance due to low population density and few traffic incidents.
Hailstorms and severe thunderstorms are common in Nebraska — comprehensive coverage is strongly recommended.
Omaha has higher premiums than rural Nebraska due to greater accident and theft frequency.

Advertisement

How to Get Cheaper Car Insurance in Nebraska

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Nebraska — FAQs

What is the average cost of car insurance in Nebraska?
The average car insurance cost in Nebraska is $100 per month ($1200 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Nebraska?
Nebraska requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Nebraska?
Based on our research, State Farm offers the lowest average rate in Nebraska at around $74/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Nebraska a no-fault car insurance state?
No, Nebraska is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Nebraska?
The most effective ways to lower your car insurance in Nebraska include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

Advertisement

Explore Other States

Alabama$130Alaska$88Arizona$138Arkansas$126California$156Colorado$144Connecticut$162Delaware$178