Cheap Car Insurance in Nebraska for April 2024

American National offers the cheapest car insurance in Nebraska, with an average annual rate of $738 for full coverage.
Ben Moore
By Ben Moore 
Updated

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Auto insurance is an important purchase, but finding cheap car insurance in Nebraska isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Nebraska is American National at $738 per year on average, or $62 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Nebraska. Meanwhile, the average cost of full coverage car insurance in Nebraska is $1,691 per year, or about $141 per month.

Minimum coverage in Nebraska is $335 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in Nebraska at $120 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Omaha.

How we chose the cheapest companies in Nebraska

NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Nebraska and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Nebraska. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Nebraska where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Nebraska for 20-year-olds

Drivers in Nebraska with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Auto Club Group: $6,602 per year, or about $550 per month.
  2. Farm Bureau Financial Services: $2,860 per year, or about $238 per month.
  3. Allstate: $6,829 per year, or about $569 per month.
  4. American Family: $3,605 per year, or about $300 per month.
  5. American National: $1,377 per year, or about $115 per month.

Cheapest minimum coverage car insurance in Nebraska for 20-year-olds

Drivers in Nebraska who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Auto Club Group: $1,926 per year, or about $160 per month.
  2. Farm Bureau Financial Services: $732 per year, or about $61 per month.
  3. Allstate: $930 per year, or about $78 per month.
  4. American Family: $1,173 per year, or about $98 per month.
  5. American National: $250 per year, or about $21 per month.

Cheapest auto insurance in Nebraska for 20-year-olds with poor credit

Drivers with poor credit in Nebraska should look at the following insurers with the lowest average rates for minimum coverage:

  1. Auto Club Group: $3,243 per year, or about $270 per month.
  2. Farm Bureau Financial Services: $1,313 per year, or about $109 per month.
  3. Allstate: $1,155 per year, or about $96 per month.
  4. American Family: $1,830 per year, or about $152 per month.
  5. American National: $842 per year, or about $70 per month.

Cheapest auto insurance in Nebraska for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $2,550 per year, or about $212 per month.
  2. Farm Bureau Financial Services: $929 per year, or about $77 per month.
  3. Allstate: $1,024 per year, or about $85 per month.
  4. American Family: $1,270 per year, or about $106 per month.
  5. American National: $300 per year, or about $25 per month.

Cheapest auto insurance in Nebraska for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $2,624 per year, or about $219 per month.
  2. Farm Bureau Financial Services: $1,158 per year, or about $97 per month.
  3. Allstate: $1,352 per year, or about $113 per month.
  4. American Family: $1,430 per year, or about $119 per month.
  5. American National: $370 per year, or about $31 per month.

Cheapest auto insurance in Nebraska for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Farm Bureau Financial Services: $1,162 per year, or about $97 per month.
  2. Allstate: $1,292 per year, or about $108 per month.
  3. American Family: $1,270 per year, or about $106 per month.
  4. American National: $444 per year, or about $37 per month.
  5. Auto-Owners: $1,470 per year, or about $123 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Nebraska for 30-year-olds

Drivers in Nebraska who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Auto Club Group: $2,954 per year, or about $246 per month.
  2. Farm Bureau Financial Services: $1,616 per year, or about $135 per month.
  3. Allstate: $2,578 per year, or about $215 per month.
  4. American Family: $1,980 per year, or about $165 per month.
  5. American National: $774 per year, or about $65 per month.

Cheapest minimum coverage car insurance in Nebraska for 30-year-olds

Drivers in Nebraska who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Auto Club Group: $708 per year, or about $59 per month.
  2. Farm Bureau Financial Services: $297 per year, or about $25 per month.
  3. Allstate: $404 per year, or about $34 per month.
  4. American Family: $557 per year, or about $46 per month.
  5. American National: $120 per year, or about $10 per month.

Cheapest auto insurance in Nebraska for 30-year-olds with poor credit

Drivers with poor credit in Nebraska should consider the following companies with the lowest average rates for full coverage:

  1. Auto Club Group: $4,765 per year, or about $397 per month.
  2. Farm Bureau Financial Services: $3,009 per year, or about $251 per month.
  3. Allstate: $3,648 per year, or about $304 per month.
  4. American Family: $3,147 per year, or about $262 per month.
  5. American National: $2,610 per year, or about $218 per month.

Cheapest auto insurance in Nebraska for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $1,110 per year, or about $92 per month.
  2. Farm Bureau Financial Services: $376 per year, or about $31 per month.
  3. Allstate: $455 per year, or about $38 per month.
  4. American Family: $658 per year, or about $55 per month.
  5. American National: $142 per year, or about $12 per month.

Cheapest auto insurance in Nebraska for 30-year-old drivers with one at-fault crash

For drivers in Nebraska with a recent accident, here are the lowest average rate options for full coverage:

  1. Auto Club Group: $4,270 per year, or about $356 per month.
  2. Farm Bureau Financial Services: $2,554 per year, or about $213 per month.
  3. Allstate: $3,497 per year, or about $291 per month.
  4. American Family: $2,354 per year, or about $196 per month.
  5. American National: $1,026 per year, or about $86 per month.

Cheapest auto insurance in Nebraska for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Auto Club Group: $6,548 per year, or about $546 per month.
  2. Farm Bureau Financial Services: $2,508 per year, or about $209 per month.
  3. Allstate: $3,541 per year, or about $295 per month.
  4. American Family: $2,142 per year, or about $179 per month.
  5. American National: $1,086 per year, or about $91 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Nebraska for 40-year-olds

Drivers in Nebraska with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Auto Club Group: $2,649 per year, or about $221 per month.
  2. Farm Bureau Financial Services: $1,567 per year, or about $131 per month.
  3. Allstate: $2,480 per year, or about $207 per month.
  4. American Family: $1,980 per year, or about $165 per month.
  5. American National: $681 per year, or about $57 per month.

Cheapest minimum coverage car insurance in Nebraska for 40-year-olds

Drivers in Nebraska who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Auto Club Group: $645 per year, or about $54 per month.
  2. Farm Bureau Financial Services: $285 per year, or about $24 per month.
  3. Allstate: $404 per year, or about $34 per month.
  4. American Family: $555 per year, or about $46 per month.
  5. American National: $118 per year, or about $10 per month.

Cheapest auto insurance in Nebraska for 40-year-olds with poor credit

Drivers with poor credit in Nebraska can check out the following insurers with the lowest average rates for full coverage:

  1. Auto Club Group: $4,276 per year, or about $356 per month.
  2. Farm Bureau Financial Services: $2,980 per year, or about $248 per month.
  3. Allstate: $3,461 per year, or about $288 per month.
  4. American Family: $3,147 per year, or about $262 per month.
  5. American National: $2,292 per year, or about $191 per month.

Cheapest auto insurance in Nebraska for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $969 per year, or about $81 per month.
  2. Farm Bureau Financial Services: $361 per year, or about $30 per month.
  3. Allstate: $455 per year, or about $38 per month.
  4. American Family: $658 per year, or about $55 per month.
  5. American National: $136 per year, or about $11 per month.

Cheapest auto insurance in Nebraska for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nebraska, here are the companies with the lowest average rates for full coverage:

  1. Auto Club Group: $3,845 per year, or about $320 per month.
  2. Farm Bureau Financial Services: $2,477 per year, or about $206 per month.
  3. Allstate: $3,419 per year, or about $285 per month.
  4. American Family: $2,354 per year, or about $196 per month.
  5. American National: $896 per year, or about $75 per month.

Cheapest auto insurance in Nebraska for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Auto Club Group: $6,118 per year, or about $510 per month.
  2. Farm Bureau Financial Services: $2,432 per year, or about $203 per month.
  3. Allstate: $3,541 per year, or about $295 per month.
  4. American Family: $2,142 per year, or about $179 per month.
  5. American National: $950 per year, or about $79 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Nebraska for 50-year-olds

Drivers in Nebraska with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Auto Club Group: $2,458 per year, or about $205 per month.
  2. Farm Bureau Financial Services: $1,439 per year, or about $120 per month.
  3. Allstate: $2,212 per year, or about $184 per month.
  4. American Family: $1,822 per year, or about $152 per month.
  5. American National: $662 per year, or about $55 per month.

Cheapest minimum coverage car insurance in Nebraska for 50-year-olds

Drivers in Nebraska who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Auto Club Group: $608 per year, or about $51 per month.
  2. Farm Bureau Financial Services: $260 per year, or about $22 per month.
  3. Allstate: $377 per year, or about $31 per month.
  4. American Family: $542 per year, or about $45 per month.
  5. American National: $112 per year, or about $9 per month.

Cheapest auto insurance in Nebraska for 50-year-olds with poor credit

Drivers with poor credit in Nebraska can check with the following companies, which showed the lowest average rates for full coverage:

  1. Auto Club Group: $3,968 per year, or about $331 per month.
  2. Farm Bureau Financial Services: $2,726 per year, or about $227 per month.
  3. Allstate: $3,155 per year, or about $263 per month.
  4. American Family: $2,880 per year, or about $240 per month.
  5. American National: $2,231 per year, or about $186 per month.

Cheapest auto insurance in Nebraska for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $926 per year, or about $77 per month.
  2. Farm Bureau Financial Services: $329 per year, or about $27 per month.
  3. Allstate: $427 per year, or about $36 per month.
  4. American Family: $641 per year, or about $53 per month.
  5. American National: $132 per year, or about $11 per month.

Cheapest auto insurance in Nebraska for 50-year-old drivers with one at-fault crash

For drivers living in Nebraska with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Auto Club Group: $3,599 per year, or about $300 per month.
  2. Farm Bureau Financial Services: $2,272 per year, or about $189 per month.
  3. Allstate: $3,029 per year, or about $252 per month.
  4. American Family: $2,196 per year, or about $183 per month.
  5. American National: $874 per year, or about $73 per month.

Cheapest auto insurance in Nebraska for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Auto Club Group: $5,870 per year, or about $489 per month.
  2. Farm Bureau Financial Services: $2,233 per year, or about $186 per month.
  3. Allstate: $3,003 per year, or about $250 per month.
  4. American Family: $1,985 per year, or about $165 per month.
  5. American National: $920 per year, or about $77 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Nebraska for 60-year-olds

Drivers in Nebraska with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Auto Club Group: $2,244 per year, or about $187 per month.
  2. Farm Bureau Financial Services: $1,375 per year, or about $115 per month.
  3. Allstate: $2,153 per year, or about $179 per month.
  4. American Family: $1,822 per year, or about $152 per month.
  5. American National: $580 per year, or about $48 per month.

Cheapest minimum coverage car insurance in Nebraska for 60-year-olds

Drivers in Nebraska who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Auto Club Group: $556 per year, or about $46 per month.
  2. Farm Bureau Financial Services: $258 per year, or about $22 per month.
  3. Allstate: $377 per year, or about $31 per month.
  4. American Family: $538 per year, or about $45 per month.
  5. American National: $106 per year, or about $9 per month.

Cheapest auto insurance in Nebraska for 60-year-olds with poor credit

Drivers with poor credit in Nebraska can look at the following companies with the lowest average rates for full coverage:

  1. Auto Club Group: $3,619 per year, or about $302 per month.
  2. Farm Bureau Financial Services: $2,612 per year, or about $218 per month.
  3. Allstate: $3,059 per year, or about $255 per month.
  4. American Family: $2,880 per year, or about $240 per month.
  5. American National: $1,950 per year, or about $163 per month.

Cheapest auto insurance in Nebraska for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $827 per year, or about $69 per month.
  2. Farm Bureau Financial Services: $327 per year, or about $27 per month.
  3. Allstate: $427 per year, or about $36 per month.
  4. American Family: $638 per year, or about $53 per month.
  5. American National: $124 per year, or about $10 per month.

Cheapest auto insurance in Nebraska for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nebraska, here are the companies with the lowest average rates for full coverage:

  1. Auto Club Group: $3,333 per year, or about $278 per month.
  2. Farm Bureau Financial Services: $2,172 per year, or about $181 per month.
  3. Allstate: $2,948 per year, or about $246 per month.
  4. American Family: $2,196 per year, or about $183 per month.
  5. American National: $770 per year, or about $64 per month.

Cheapest auto insurance in Nebraska for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Auto Club Group: $5,636 per year, or about $470 per month.
  2. Farm Bureau Financial Services: $2,134 per year, or about $178 per month.
  3. Allstate: $3,003 per year, or about $250 per month.
  4. American Family: $1,985 per year, or about $165 per month.
  5. American National: $814 per year, or about $68 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Nebraska for 70-year-olds

Drivers in Nebraska with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Auto Club Group: $2,575 per year, or about $215 per month.
  2. Farm Bureau Financial Services: $1,338 per year, or about $111 per month.
  3. Allstate: $2,207 per year, or about $184 per month.
  4. American Family: $1,877 per year, or about $156 per month.
  5. American National: $622 per year, or about $52 per month.

Cheapest minimum coverage car insurance in Nebraska for 70-year-olds

Drivers in Nebraska who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Auto Club Group: $790 per year, or about $66 per month.
  2. Farm Bureau Financial Services: $302 per year, or about $25 per month.
  3. Allstate: $432 per year, or about $36 per month.
  4. American Family: $633 per year, or about $53 per month.
  5. American National: $140 per year, or about $12 per month.

Cheapest auto insurance in Nebraska for 70-year-olds with poor credit

Drivers with poor credit in Nebraska can look at the following companies with the lowest average rates for full coverage:

  1. Auto Club Group: $4,187 per year, or about $349 per month.
  2. Farm Bureau Financial Services: $2,568 per year, or about $214 per month.
  3. Allstate: $3,111 per year, or about $259 per month.
  4. American Family: $2,969 per year, or about $247 per month.
  5. American National: $2,093 per year, or about $174 per month.

Cheapest auto insurance in Nebraska for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nebraska, here are the companies with the lowest average rates for minimum coverage:

  1. Auto Club Group: $994 per year, or about $83 per month.
  2. Farm Bureau Financial Services: $381 per year, or about $32 per month.
  3. Allstate: $483 per year, or about $40 per month.
  4. American Family: $730 per year, or about $61 per month.
  5. American National: $168 per year, or about $14 per month.

Cheapest auto insurance in Nebraska for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nebraska, here are the companies with the lowest average rates for full coverage:

  1. Auto Club Group: $3,786 per year, or about $315 per month.
  2. Farm Bureau Financial Services: $2,112 per year, or about $176 per month.
  3. Allstate: $3,040 per year, or about $253 per month.
  4. American Family: $2,250 per year, or about $187 per month.
  5. American National: $852 per year, or about $71 per month.

Cheapest auto insurance in Nebraska for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Auto Club Group: $6,265 per year, or about $522 per month.
  2. Farm Bureau Financial Services: $2,079 per year, or about $173 per month.
  3. Allstate: $3,029 per year, or about $252 per month.
  4. American Family: $2,039 per year, or about $170 per month.
  5. American National: $904 per year, or about $75 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 62 of the 70 driver profiles we examined.

Minimum required auto insurance in Nebraska

Nebraska drivers must carry liability insurance and uninsured/underinsured motorist bodily injury coverage in the following amounts:

  • $25,000 bodily injury liability coverage per person.

  • $50,000 bodily injury liability coverage per crash.

  • $25,000 property damage liability coverage per crash.

  • $25,000 uninsured/underinsured motorist bodily injury coverage per person.

  • $50,000 uninsured/underinsured motorist bodily injury coverage per crash.

Because damages stemming from a crash could exceed the above limits, consider buying more than the bare minimum. You might also want common add-ons such as collision or comprehensive coverage, which pay for damage to your own car.

Check out NerdWallet's guide to car insurance requirements by state for a better understanding of the coverages in your Nebraska auto policy.

Alternative car insurance in Nebraska

If you’re having trouble getting car insurance because of a bad driving record, poor credit or other factors, you can seek coverage through the Nebraska Automobile Insurance Plan.

For more help finding cheap car insurance in Nebraska, try our car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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