INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Nebraska for 2024

Updated Feb. 14, 2024
Fact checked
Allied is generally the cheapest car insurance in Nebraska for full coverage policies.

Compare car insurance rates in your area!

See if you qualify for a lower rate in less than 2 minutes

By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Check Rates

FAST, EASY & FREE

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

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 $1,360 per year for full coverage insurance — compared to a national average of $1,582. 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.

In this article

Key takeaways

  • The average cost of car insurance in Nebraska is $1,360 per year for full coverage policies.
  • Teen drivers pay an average of $3,365 per year.
  • Drivers with poor credit pay a yearly average of $2,808 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 $1,360 per year, compared to the national average of $1,582. State-minimum liability coverage averages $469 per year.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,360/year $469/year Allied
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$3,365/year $1,509/year $1,794/year

Average cost of car insurance in Nebraska by provider

Some of the biggest insurance companies in the country issue auto policies in Nebraska. We found that Allied has the lowest average premiums in the state for full coverage policies at $811 per year.

For state-minimum liability coverage, the Farm Bureau — a smaller provider — offers the lowest average rates at $324 per year.

Provider Full coverage Minimum liability coverage
American Family $1,210/year $431/year
Allied $811/year $422/year
Allstate $1,388/year $622/year
Farm Bureau $1,536/year $324/year
Nationwide $1,081/year $480/year
Progressive $1,334/year $431/year
State Farm $1,088/year $378/year

Get rates, offers & more from top rated insurance providers!

By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Check Rates

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 $2,808 per year, more than double the state average.

Credit health Avg. annual premium
Poor (550-649) $2,808/year
Average (650-699) $1,707/year
Good (700-749) $1,444/year
Excellent (750+) $1,293/year

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 typically increase by $1,075 per year. And even something relatively minor, like a speeding ticket, can cause your premiums to increase by hundreds of dollars.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,360/year $2,133/year $773
DUI $1,360/year $2,435/year $1,075
Speeding ticket $1,360/year $1,872/year $512

*Assumes clean driving record with good credit

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 $3,976 for coverage, nearly three times the state average. By contrast, drivers in their 60s pay just $1,315 per year.

Age Avg. annual premium
18 $3,976/year
25 $1,673/year
30 $1,358/year
40 $1,434/year
60 $1,315/year

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. In Nebraska, drivers in Bellevue pay the highest premiums with an average cost of $1,790 per year, hundreds more than the state average. 

Bellevue doesn’t have a particularly high crime rate, but the U.S. Census Bureau reported a much higher population density than the rest of the state. With more people living in a relatively small area and more vehicles on the road, you are more likely to be involved in an accident.

City Avg. annual full-coverage premium
Bellevue $1,790/year
Omaha$1,737/year
Kearney $1,687/year
Grand Island $1,681/year
Fremont $1,681/year
Lincoln $1,482/year

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 $1,360 per year, compared to a national average of $1,582.

How much is car insurance per year in NE?

The average cost of car insurance in Nebraska is $1,360 per year for full coverage policies. State-minimum coverage averages $469 per year. 

  • You could save up to $600 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you

Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.