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Auto-Owners, American Family, and Progressive rank among Nebraska's cheapest car insurance providers.
Nebraska drivers pay $137 monthly on average for full-coverage car insurance, compared to the national average of $186. What you'll pay depends on multiple factors like your age, driving history, and where you live. Getting quotes from several insurance companies remains the best way to find your lowest rate.
We've broken down Nebraska's cheapest car insurance options by coverage type, driver profile, and insurance company below.
Affordable full-coverage car insurance in Nebraska
Nebraska's average monthly cost for full-coverage insurance is $137, compared to $186 nationally. Auto-Owners, American Family, and Progressive are some of the state's cheapest car insurance providers.
| Average monthly full coverage cost | |
| Nebraska average | $137 |
| National average | $186 |
| Auto-Owners | $72 |
| American Family | $101 |
| Progressive | $161 |
| USAA | $112 |
Affordable liability-only car insurance in Nebraska
For drivers seeking the most affordable liability car insurance providers in Nebraska, Auto-Owners, American Family, and Progressive stand out.
Nebraska's liability-only coverage averages $71 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| Nebraska average | $71 |
| National average | $104 |
| Auto-Owners | $43 |
| American Family | $60 |
| Progressive | $71 |
| National General | $56 |
Cheap car insurance in Nebraska by age
Age significantly impacts insurance premiums. Car insurance for teens tends to carry the highest rates in Nebraska, averaging $277 monthly because of limited driving experience.
Drivers in their 20s see premiums drop to around $194 monthly for full coverage. Costs continue declining for those in their 30s and 40s, averaging $144 and $146 monthly respectively.
But rates can sometimes climb again for drivers in their 60s and beyond, but that largely depends on driving record. Nebraska seniors average $111 monthly for full coverage in their 60s and $107 in their 70s.
These age-related differences reflect varying risk levels across age groups, with inexperienced younger drivers considered higher risk and older drivers sometimes facing increased rates due to health considerations and changes in cognitive abilities.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $277 | $144 |
| 20s | $194 | $100 |
| 30s | $144 | $75 |
| 40s | $146 | $76 |
| 50s | $130 | $67 |
| 60s | $111 | $57 |
| 70s | $107 | $55 |
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Cheap car insurance in Nebraska for high-risk drivers
Drivers with a bad driving record face higher car insurance premiums. Below are Nebraska's average costs for drivers with accidents, speeding tickets, or DUI convictions.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $178 | $92 |
| Speeding ticket | $165 | $86 |
| DUI | $172 | $89 |
Compare low-cost car insurance after an accident
Nebraska drivers with accidents on their record can find affordable coverage through Auto-Owners, American Family, and Progressive. Full-coverage premiums for drivers with accidents average $178 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $92 | $55 |
| American Family | $131 | $78 |
| Progressive | $244 | $120 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Auto-Owners, American Family, and Progressive provide affordable Nebraska car insurance for drivers with speeding tickets. Full coverage with a speeding ticket averages $165 monthly in Nebraska.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $90 | $54 |
| American Family | $126 | $75 |
| Progressive | $240 | $118 |
Compare low-cost car insurance after DUI conviction
Nebraska drivers with DUI convictions can find cheap full coverage through Auto-Owners, American Family, and Progressive. Full coverage with a DUI averages $172 statewide.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $97 | $58 |
| American Family | $137 | $81 |
| Progressive | $276 | $136 |
Cheap car insurance in Nebraska by credit score
Nebraska drivers with excellent credit average $122 monthly for full coverage. Drivers with poor credit face higher costs, starting at $153 monthly.
This difference shows how credit scores factor into insurance pricing, with poor credit leading to higher premiums due to perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $122 | $63 |
| Good | $134 | $70 |
| Average | $142 | $74 |
| Poor | $153 | $79 |
FAQs
Why does Nebraska require uninsured motorist coverage when most states don't?
Nebraska is one of the few states that requires all drivers to have both uninsured and underinsured motorist coverage at minimum limits. This mandatory coverage reflects Nebraska's recognition that many drivers in the state may not carry sufficient insurance to pay for serious accidents, providing crucial protection when you're hit by someone without adequate coverage. While this requirement adds to your base premium costs, it keeps you protected in the event of an accident with an under- or uninsured driver.
How does living in Hail Alley affect Nebraska car insurance rates?
Nebraska sits in what meteorologists call "Hail Alley" alongside Colorado and Wyoming, experiencing frequent destructive hailstorms that have produced softball-sized hail in recent years, causing extensive vehicle damage. This makes comprehensive coverage particularly important for Nebraska drivers.
What is Nebraska's electronic insurance verification system?
Since 2004, Nebraska has maintained an electronic verification database that monitors all drivers' insurance status in real-time, with insurance companies required to regularly update the Department of Motor Vehicles about policy changes and cancellations. This automated system was instituted in part to support online vehicle registration renewal.
Bottom line
These companies may offer Nebraska's cheapest rates, but that doesn't guarantee they're the cheapest for your specific situation. Getting quotes from the best car insurance companies and comparing them based on both price and service remains the best way to approach finding the right coverage.
Data throughout provided by Insurify.
Average rate:
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