Average Cost of Car Insurance in Nebraska for 2025

Nebraska can be appealing for those looking to relocate because of its low cost of living. Depending on where you're from, you may be surprised by how inexpensive things are in the Cornhusker State, including auto coverage.

The average cost of car insurance in Nebraska is $155 per month for full coverage insurance — compared to a national average of $193. However, the lower rates don't apply to everyone. Your age significantly affects how much you'll pay for coverage, as does your credit history and location.

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Key takeaways

The average cost of car insurance in Nebraska is $155 per month for full coverage policies.
Teen drivers pay an average of $314 per month for full coverage.
Drivers with poor credit pay a monthly average of $181 for coverage.

How much does car insurance cost in Nebraska?

Car insurance tends to be relatively inexpensive in Nebraska. Policies that include liability, collision, and comprehensive protection — commonly referred to as full coverage policies — average $155 per month, compared to the national average of $193. State-minimum liability coverage averages $78 per month.

Avg. monthly cost for full coverage	Avg. monthly cost for minimum coverage
$155	$78

Avg. monthly full coverage premium for young drivers	Avg. monthly full coverage premium for seniors (60s)	Avg. monthly full coverage premium for high-risk drivers
$314	$124	$186

Average cost of car insurance in Nebraska by provider

Some of the biggest insurance companies in the country issue auto policies in Nebraska.

Provider	Full coverage	Minimum liability coverage
Allstate	$117	$69
Liberty Mutual	$214	$121
Nationwide	$161	$96
Progressive	$98	$58
State Farm	$120	$71

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How does credit score affect car insurance rates in Nebraska?

In Nebraska, your credit score can significantly impact your car insurance premiums. If you have less-than-stellar credit, insurers can charge you higher rates for coverage.

We found that the average premium for those with poor credit was $181 per month, more than double the state average.

Credit health	Avg. monthly premium
Poor (550-649)	$181
Average (650-699)	$159
Good (700-749)	$151
Excellent (750+)	$140

Average car insurance rates for high-risk drivers in Nebraska

Driving safely can help keep your car insurance premiums low, but driving recklessly or under the influence can have severe legal and financial consequences.

If you're convicted of driving under the influence (DUI) in Nebraska, premiums significantly increase. And even something relatively minor, like a speeding ticket, can cause your premiums to increase by hundreds of dollars.

Violation	Avg. monthly premium
At-fault accident	$200
DUI	$250
Speeding ticket	$188

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How does age affect car insurance rates in Nebraska?

Insurance companies view teens as high-risk drivers; less road experience makes them statistically more likely to be in serious accidents. As a result, insurers charge teens higher rates.

At 18, drivers pay an average of $314 per month for full coverage, quite a bit more than the state average. By contrast, drivers in their 60s pay just $124 per month.

Age	Avg. monthly premium
Teens	$314
20s	$214
30s	$168
40s	$159
60s	$124

Nebraska car insurance rates by city

Where you live is another factor that affects your premiums. If you live in a densely populated area, you'll typically have higher premiums since you're more likely to be in an accident.

City	Avg. monthly full-coverage premium
Bellevue	$173
Omaha	$176
Norfolk	$153
Grand Island	$148
Fremont	$139
Lincoln	$147

NE's minNE's car insurance requirements

Nebraska requires all drivers to have car insurance. Your policy must meet the following minimums:

$25,000 in bodily injury protection for one person
$50,000 in bodily injury protection for two or more people
$25,000 in property damage protection

However, those coverage minimums are low and may not provide adequate protection. It also doesn't offer any coverage for your vehicle or property, so you may want to consider a policy that includes collision and comprehensive insurance.

How to save money on car insurance in Nebraska

To save money on your policy, use these tips:

Take advantage of usage-based insurance: There are several companies in Nebraska, including Farm Bureau, Progressive, and State Farm, that offer usage-based insurance. These policies, sometimes called pay-per-mile coverage, use telematics devices or mobile apps to track your driving habits and mileage. If you drive fewer-than-average miles and drive safely, you could save money.
Increase your deductible: The deductible is how much cash you have to pay for injuries or damages before your insurer starts helping you with the bill. Increasing it will cause your premiums to decrease, but only choose a deductible amount you can comfortably afford.
Shop around: You can find the best car insurance rates by requesting quotes from several companies. You may qualify for a lower rate for the same amount of coverage with another insurer.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in NE

Is car insurance expensive in NE?

Car insurance is less expensive in Nebraska than in many other states. The average cost of full coverage policies is $155 per month, compared to a national average of $193.