Cheap Car Insurance in Nebraska for June 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 $648 per year on average, or $54 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 $1,501 per year, or about $125 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Nebraska. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Nebraska is $330 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 $104 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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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 2021 Toyota Camry LE. 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. American National: $1,220 per year, or about $102 per month.
  2. Farmers Mutual of Nebraska: $1,880 per year, or about $157 per month.
  3. Auto-Owners: $2,316 per year, or about $193 per month.
  4. Geico: $2,358 per year, or about $196 per month.
  5. IMT: $2,505 per year, or about $209 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. American National: $220 per year, or about $18 per month.
  2. North Star: $424 per year, or about $35 per month.
  3. Farmers Mutual of Nebraska: $444 per year, or about $37 per month.
  4. Geico: $455 per year, or about $38 per month.
  5. Progressive: $627 per year, or about $52 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. North Star: $706 per year, or about $59 per month.
  2. Farmers Mutual of Nebraska: $708 per year, or about $59 per month.
  3. American National: $739 per year, or about $62 per month.
  4. Geico: $787 per year, or about $66 per month.
  5. Progressive: $953 per year, or about $79 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. American National: $264 per year, or about $22 per month.
  2. Geico: $515 per year, or about $43 per month.
  3. Farmers Mutual of Nebraska: $572 per year, or about $48 per month.
  4. North Star: $576 per year, or about $48 per month.
  5. Progressive: $728 per year, or about $61 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. American National: $326 per year, or about $27 per month.
  2. Farmers Mutual of Nebraska: $631 per year, or about $53 per month.
  3. North Star: $658 per year, or about $55 per month.
  4. Geico: $679 per year, or about $57 per month.
  5. Progressive: $743 per year, or about $62 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. American National: $360 per year, or about $30 per month.
  2. Progressive: $694 per year, or about $58 per month.
  3. Geico: $855 per year, or about $71 per month.
  4. North Star: $1,034 per year, or about $86 per month.
  5. Farmers Mutual of Nebraska: $1,058 per year, or about $88 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. American National: $682 per year, or about $57 per month.
  2. Auto-Owners: $1,085 per year, or about $90 per month.
  3. Nationwide: $1,186 per year, or about $99 per month.
  4. Farmers Mutual of Nebraska: $1,228 per year, or about $102 per month.
  5. Geico: $1,386 per year, or about $115 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. American National: $106 per year, or about $9 per month.
  2. North Star: $216 per year, or about $18 per month.
  3. Farmers Mutual of Nebraska: $220 per year, or about $18 per month.
  4. Geico: $241 per year, or about $20 per month.
  5. Farm Bureau Financial Services: $305 per year, or about $25 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. Nationwide: $1,689 per year, or about $141 per month.
  2. Farmers Mutual of Nebraska: $1,865 per year, or about $155 per month.
  3. Geico: $2,054 per year, or about $171 per month.
  4. IMT: $2,265 per year, or about $189 per month.
  5. American National: $2,298 per year, or about $192 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. American National: $126 per year, or about $11 per month.
  2. North Star: $246 per year, or about $21 per month.
  3. Farmers Mutual of Nebraska: $284 per year, or about $24 per month.
  4. Geico: $286 per year, or about $24 per month.
  5. Farm Bureau Financial Services: $384 per year, or about $32 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. American National: $904 per year, or about $75 per month.
  2. Farmers Mutual of Nebraska: $1,523 per year, or about $127 per month.
  3. Auto-Owners: $1,606 per year, or about $134 per month.
  4. Shelter: $1,856 per year, or about $155 per month.
  5. Nationwide: $2,046 per year, or about $171 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. American National: $956 per year, or about $80 per month.
  2. Progressive: $1,675 per year, or about $140 per month.
  3. American Family: $1,872 per year, or about $156 per month.
  4. Auto-Owners: $2,042 per year, or about $170 per month.
  5. Shelter: $2,175 per year, or about $181 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. American National: $598 per year, or about $50 per month.
  2. Auto-Owners: $1,056 per year, or about $88 per month.
  3. Nationwide: $1,138 per year, or about $95 per month.
  4. Farmers Mutual of Nebraska: $1,207 per year, or about $101 per month.
  5. Progressive: $1,270 per year, or about $106 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. American National: $102 per year, or about $9 per month.
  2. North Star: $216 per year, or about $18 per month.
  3. Farmers Mutual of Nebraska: $236 per year, or about $20 per month.
  4. Geico: $241 per year, or about $20 per month.
  5. Shelter: $286 per year, or about $24 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. Nationwide: $1,618 per year, or about $135 per month.
  2. Farmers Mutual of Nebraska: $1,842 per year, or about $154 per month.
  3. American National: $2,018 per year, or about $168 per month.
  4. Shelter: $2,035 per year, or about $170 per month.
  5. Geico: $2,068 per year, or about $172 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. American National: $122 per year, or about $10 per month.
  2. North Star: $246 per year, or about $21 per month.
  3. Geico: $294 per year, or about $25 per month.
  4. Farmers Mutual of Nebraska: $303 per year, or about $25 per month.
  5. Farm Bureau Financial Services: $369 per year, or about $31 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. American National: $787 per year, or about $66 per month.
  2. Farmers Mutual of Nebraska: $1,503 per year, or about $125 per month.
  3. Auto-Owners: $1,564 per year, or about $130 per month.
  4. Shelter: $1,617 per year, or about $135 per month.
  5. Progressive: $1,951 per year, or about $163 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. American National: $834 per year, or about $70 per month.
  2. Progressive: $1,496 per year, or about $125 per month.
  3. American Family: $1,872 per year, or about $156 per month.
  4. Shelter: $1,896 per year, or about $158 per month.
  5. Auto-Owners: $1,995 per year, or about $166 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. American National: $582 per year, or about $49 per month.
  2. Auto-Owners: $988 per year, or about $82 per month.
  3. Nationwide: $1,035 per year, or about $86 per month.
  4. Farmers Mutual of Nebraska: $1,097 per year, or about $91 per month.
  5. Shelter: $1,106 per year, or about $92 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. American National: $98 per year, or about $8 per month.
  2. North Star: $192 per year, or about $16 per month.
  3. Farmers Mutual of Nebraska: $216 per year, or about $18 per month.
  4. Geico: $239 per year, or about $20 per month.
  5. Shelter: $242 per year, or about $20 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. Nationwide: $1,471 per year, or about $123 per month.
  2. Farmers Mutual of Nebraska: $1,676 per year, or about $140 per month.
  3. Shelter: $1,714 per year, or about $143 per month.
  4. Geico: $1,902 per year, or about $158 per month.
  5. Progressive: $1,908 per year, or about $159 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. American National: $116 per year, or about $10 per month.
  2. North Star: $218 per year, or about $18 per month.
  3. Farmers Mutual of Nebraska: $278 per year, or about $23 per month.
  4. Geico: $291 per year, or about $24 per month.
  5. Shelter: $317 per year, or about $26 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. American National: $768 per year, or about $64 per month.
  2. Farmers Mutual of Nebraska: $1,375 per year, or about $115 per month.
  3. Shelter: $1,375 per year, or about $115 per month.
  4. Auto-Owners: $1,460 per year, or about $122 per month.
  5. Progressive: $1,802 per year, or about $150 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. American National: $808 per year, or about $67 per month.
  2. Progressive: $1,373 per year, or about $114 per month.
  3. Shelter: $1,609 per year, or about $134 per month.
  4. American Family: $1,734 per year, or about $145 per month.
  5. Auto-Owners: $1,855 per year, or about $155 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. American National: $512 per year, or about $43 per month.
  2. Auto-Owners: $944 per year, or about $79 per month.
  3. Nationwide: $955 per year, or about $80 per month.
  4. Farmers Mutual of Nebraska: $967 per year, or about $81 per month.
  5. Progressive: $1,084 per year, or about $90 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. American National: $92 per year, or about $8 per month.
  2. Farmers Mutual of Nebraska: $190 per year, or about $16 per month.
  3. North Star: $192 per year, or about $16 per month.
  4. Shelter: $238 per year, or about $20 per month.
  5. Geico: $257 per year, or about $21 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. Nationwide: $1,348 per year, or about $112 per month.
  2. Farmers Mutual of Nebraska: $1,478 per year, or about $123 per month.
  3. Shelter: $1,675 per year, or about $140 per month.
  4. American National: $1,716 per year, or about $143 per month.
  5. Progressive: $1,800 per year, or about $150 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. American National: $110 per year, or about $9 per month.
  2. North Star: $218 per year, or about $18 per month.
  3. Farmers Mutual of Nebraska: $245 per year, or about $20 per month.
  4. Shelter: $312 per year, or about $26 per month.
  5. Farm Bureau Financial Services: $334 per year, or about $28 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. American National: $678 per year, or about $57 per month.
  2. Farmers Mutual of Nebraska: $1,202 per year, or about $100 per month.
  3. Shelter: $1,354 per year, or about $113 per month.
  4. Auto-Owners: $1,398 per year, or about $117 per month.
  5. Progressive: $1,728 per year, or about $144 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. American National: $716 per year, or about $60 per month.
  2. Progressive: $1,305 per year, or about $109 per month.
  3. Shelter: $1,586 per year, or about $132 per month.
  4. American Family: $1,734 per year, or about $145 per month.
  5. Auto-Owners: $1,784 per year, or about $149 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. American National: $548 per year, or about $46 per month.
  2. Nationwide: $1,017 per year, or about $85 per month.
  3. Farmers Mutual of Nebraska: $1,050 per year, or about $88 per month.
  4. Auto-Owners: $1,080 per year, or about $90 per month.
  5. Progressive: $1,141 per year, or about $95 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. American National: $124 per year, or about $10 per month.
  2. North Star: $192 per year, or about $16 per month.
  3. Farmers Mutual of Nebraska: $258 per year, or about $22 per month.
  4. Shelter: $270 per year, or about $22 per month.
  5. Farm Bureau Financial Services: $308 per year, or about $26 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. Nationwide: $1,433 per year, or about $119 per month.
  2. Farmers Mutual of Nebraska: $1,615 per year, or about $135 per month.
  3. American National: $1,841 per year, or about $153 per month.
  4. Progressive: $1,895 per year, or about $158 per month.
  5. Shelter: $1,910 per year, or about $159 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. American National: $146 per year, or about $12 per month.
  2. North Star: $218 per year, or about $18 per month.
  3. Farmers Mutual of Nebraska: $331 per year, or about $28 per month.
  4. Shelter: $353 per year, or about $29 per month.
  5. Farm Bureau Financial Services: $390 per year, or about $33 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. American National: $748 per year, or about $62 per month.
  2. Farmers Mutual of Nebraska: $1,320 per year, or about $110 per month.
  3. Shelter: $1,548 per year, or about $129 per month.
  4. Auto-Owners: $1,616 per year, or about $135 per month.
  5. Nationwide: $1,814 per year, or about $151 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. American National: $796 per year, or about $66 per month.
  2. Progressive: $1,370 per year, or about $114 per month.
  3. American Family: $1,780 per year, or about $148 per month.
  4. Shelter: $1,815 per year, or about $151 per month.
  5. Farm Bureau Financial Services: $2,066 per year, or about $172 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 59 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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