INSURANCE - CAR INSURANCE

Best Car Insurance in Nebraska for 2024

Updated April 1, 2024
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In general, USAA offers the best car insurance in Nebraska.

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While outsiders might only think of Nebraska as cattle, corn fields, and maybe a Bruce Springsteen album, locals know there is much to explore in the Cornhusker State. Thankfully, the cost of car insurance in Nebraska is affordable compared to the national average, making a road trip across the Great Plains a sure bet.

In this article

Key takeaways

  • The best car insurance in Nebraska is USAA, which costs $1,028 per year for comprehensive coverage.
  • Drivers with a clean driving record pay a monthly average of $113.
  • Bellevue residents pay a yearly average of $1,790.

Best car insurance companies in Nebraska

The best car insurance in Nebraska is USAA, which has the state’s cheapest full and minimum coverage. Since USAA policies are unavailable to the general public, State Farm offers the best minimum coverage available to everyone in Nebraska.

Nationwide has the cheapest full coverage after USAA. Farmers had the most expensive insurance, averaging a staggering $1,929 annually for full coverage and $871 for minimum coverage, well above the state and national averages.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 890/1,000 $1,028/year $310/year
American Family 837/1,000 $1,210/year $431/year
State Farm 833/1,000 $1,088/year $378/year
Allstate 829/1,000 $1,388/year $622/year
Farmers 819/1,000 $1,929/year $871/year
Progressive 803/1,000 $1,334/year $431/year
Nationwide 792/1,000 $1,081/year $480/year

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USAA: Highest customer satisfaction

USAA earned 890 out of 1,000 in customer satisfaction in Nebraska, the highest score in the state. It also offers the cheapest full and minimum coverage insurance, but its policies are only available to current and former military members and their families. USAA offers multiple standard policies, but you may find more specialty options, like vanishing deductibles, with a competitor.

Pros
  • USAA’s SafePilot program can help you save up to 30% on your premium
  • It offers the best pricing on full and minimum car insurance in Nebraska
Cons
  • Only current and former military members and their families can apply for USAA policies
  • You may find more coverage options with a competitor

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm’s minimum car insurance is the most affordable option available to the general public, averaging $378 annually. Its full coverage costs an annual average of $1,088, only slightly more expensive than Nationwide, and State Farm earned higher customer satisfaction scores. State Farm has multiple discounts, including up to 25% off for young drivers.

Pros
  • State Farm has multiple policy options, including rideshare driver coverage
  • It has multiple agents throughout Nebraska
Cons
  • You may find more specialty policies, like gap coverage, with a competitor
  • State Farm only earned third place in customer satisfaction scores

Get a quote now | State Farm review

Allstate: Best for new cars

Allstate is Nebraska’s second most expensive carrier, costing a yearly average of $1,388 for full coverage and $622 for minimum coverage. Despite its higher cost, it may be a good option for people who have just purchased a new car. It offers specific policies to protect new vehicles, like new car replacement, repair provision coverage, and gap insurance.

Pros
  • Allstate has extensive policy options, including accident forgiveness and vanishing deductible
  • It has multiple discount options, including for buying a new car
Cons
  • You’ll likely find lower prices with a competitor
  • Allstate has a limited number of agents in Nebraska

Get a quote now | Allstate review

Progressive: Best for lowest deductible

While you may be able to find cheaper standard coverage with a competitor, Progressive is a relatively low-cost option that also offers a vanishing deductible program. As part of its vanishing deductible, Progressive customers who drive without an accident during their policy term may be able to reduce their deductible by $50 every six months or $100 once a year for annual renewals.

Pros
  • Progressive has standard and specialty coverages, including loan/lease payoff
  • It offers many discounts, including an average savings of 12% for insuring multiple vehicles
Cons
  • Progressive has a below-average customer satisfaction rating
  • Its coverage is more expensive than many of its competitors

Get a quote now | Progressive review

Nationwide: Best for coverage options

Nationwide offers reasonable pricing on full coverage insurance and many options not found with some competitors, including deductible assistance, fender bender forgiveness, and locksmith services. However, its minimum coverage is more expensive than some other carriers, costing an average of $480 annually. Nationwide also earned the lowest customer service score on our list.

Pros
  • Nationwide has extensive policy options, like gap insurance, towing coverage, and vanishing deductible
  • It offers perks to drivers, including key fob replacement and accident coverage for pets
Cons
  • Nationwide had more expensive minimum coverage than other companies in Nebraska
  • It earned the lowest customer service score on our list

Get a quote now | Nationwide review

Nebraska auto insurance requirements

To drive legally in Nebraska, you must be able to prove that you have at least the state’s minimum amount of insurance coverage. The minimum requirements are:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist protection

How to choose a car insurance provider in Nebraska

As you search for a new insurance provider, consider the following to ensure you’re getting the best price:

  • Compare pricing: Request quotes from at least three companies and double-check that the policy coverages, discounts, and limits match or are similar. Compare new quotes against your existing policy to avoid accidentally reducing your existing coverage.
  • Read reviews: Check review websites like the Better Business Bureau to see how (or if) a company resolves problems. Ask friends and family for recommendations, and try to avoid signing up with a company with multiple complaints and low ratings, even if they offer the lowest price.
  • Check financial stability: Confirm the insurance company can pay claims using a website like AM Best. It’s also smart to check with the Nebraska Department of Insurance and the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Nebraska.

How much does car insurance cost in Nebraska?

The average cost of car insurance in Nebraska is $1,360 per year for full coverage, compared to the national average of $1,582. The state’s minimum coverage costs an average of $469.

Drivers in Bellevue are likely to pay the most in the state, an average of $1,790 per year. Lincoln residents pay the least, an annual average of $1,482.

Nebraska car insurance rates by city

A city’s crime rate can often mean more insurance claims for vehicle theft or damage, leading to higher car insurance rates.

According to NeighborhoodScout, Bellevue residents tend to pay the most for car insurance in Nebraska and have an above-average chance of being victims of property crimes, including car theft. This helps explain (in part) why Bellvue residents pay hundreds more a year than the state average for car insurance.

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

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best 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 Nebraska

What are the minimum car insurance coverage requirements in Nebraska?

Nebraska drivers must have at least $25,000 for one person, $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability. They must also have $25,000 per person and $50,000 per accident in underinsured/uninsured motorist protection. 

How much does car insurance cost in Nebraska?

Car insurance in Nebraska costs an annual average of $1,360 for full coverage and $469 for minimum coverage.

Which car insurance companies cover Nebraska?

Many insurance companies cover Nebraska, including State Farm, USAA, Nationwide, Allstate, Progressive, and Farmers. 

What is the cheapest car insurance company in Nebraska?

USAA offers the cheapest car insurance in Nebraska, but its policies are only available to current and former military members and their families. State Farm has the cheapest minimum car insurance available to the general public, averaging $378 annually. Nationwide has the cheapest full coverage, averaging $1,081 per year.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.