Cheap Car Insurance in Nebraska for April 2024
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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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.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.
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:
- American National: $1,377 per year, or about $115 per month.
- Auto-Owners: $2,281 per year, or about $190 per month.
- Farmers Mutual of Nebraska: $2,565 per year, or about $214 per month.
- Geico: $2,744 per year, or about $229 per month.
- Farm Bureau Financial Services: $2,860 per year, or about $238 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:
- American National: $250 per year, or about $21 per month.
- North Star: $520 per year, or about $43 per month.
- Farmers Mutual of Nebraska: $533 per year, or about $44 per month.
- Geico: $600 per year, or about $50 per month.
- IMT: $666 per year, or about $56 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:
- Farmers Mutual of Nebraska: $772 per year, or about $64 per month.
- American National: $842 per year, or about $70 per month.
- North Star: $862 per year, or about $72 per month.
- Geico: $882 per year, or about $73 per month.
- IMT: $973 per year, or about $81 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:
- American National: $300 per year, or about $25 per month.
- Farmers Mutual of Nebraska: $584 per year, or about $49 per month.
- North Star: $702 per year, or about $59 per month.
- Geico: $739 per year, or about $62 per month.
- Progressive: $763 per year, or about $64 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:
- American National: $370 per year, or about $31 per month.
- Farmers Mutual of Nebraska: $647 per year, or about $54 per month.
- Progressive: $776 per year, or about $65 per month.
- North Star: $800 per year, or about $67 per month.
- Geico: $926 per year, or about $77 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.
- American National: $444 per year, or about $37 per month.
- Progressive: $743 per year, or about $62 per month.
- Farmers Mutual of Nebraska: $1,059 per year, or about $88 per month.
- Farm Bureau Financial Services: $1,162 per year, or about $97 per month.
- IMT: $1,173 per year, or about $98 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:
- American National: $774 per year, or about $65 per month.
- Auto-Owners: $1,087 per year, or about $91 per month.
- Nationwide: $1,368 per year, or about $114 per month.
- Farmers Mutual of Nebraska: $1,518 per year, or about $127 per month.
- Shelter: $1,537 per year, or about $128 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:
- American National: $120 per year, or about $10 per month.
- North Star: $258 per year, or about $22 per month.
- Auto-Owners: $286 per year, or about $24 per month.
- Farmers Mutual of Nebraska: $292 per year, or about $24 per month.
- Farm Bureau Financial Services: $297 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:
- Nationwide: $2,149 per year, or about $179 per month.
- Farmers Mutual of Nebraska: $2,194 per year, or about $183 per month.
- Shelter: $2,450 per year, or about $204 per month.
- Geico: $2,470 per year, or about $206 per month.
- 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:
- American National: $142 per year, or about $12 per month.
- North Star: $294 per year, or about $25 per month.
- Farmers Mutual of Nebraska: $318 per year, or about $27 per month.
- Farm Bureau Financial Services: $376 per year, or about $31 per month.
- IMT: $399 per year, or about $33 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:
- American National: $1,026 per year, or about $86 per month.
- Auto-Owners: $1,602 per year, or about $134 per month.
- Farmers Mutual of Nebraska: $1,850 per year, or about $154 per month.
- Shelter: $2,035 per year, or about $170 per month.
- Progressive: $2,228 per year, or about $186 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.
- American National: $1,086 per year, or about $91 per month.
- Progressive: $1,847 per year, or about $154 per month.
- Auto-Owners: $2,014 per year, or about $168 per month.
- American Family: $2,142 per year, or about $179 per month.
- Shelter: $2,249 per year, or about $187 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:
- American National: $681 per year, or about $57 per month.
- Auto-Owners: $1,056 per year, or about $88 per month.
- Nationwide: $1,312 per year, or about $109 per month.
- Shelter: $1,334 per year, or about $111 per month.
- Farmers Mutual of Nebraska: $1,338 per year, or about $112 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:
- American National: $118 per year, or about $10 per month.
- North Star: $258 per year, or about $22 per month.
- Farmers Mutual of Nebraska: $272 per year, or about $23 per month.
- Farm Bureau Financial Services: $285 per year, or about $24 per month.
- Auto-Owners: $289 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:
- Farmers Mutual of Nebraska: $1,933 per year, or about $161 per month.
- Nationwide: $2,048 per year, or about $171 per month.
- Shelter: $2,105 per year, or about $175 per month.
- American National: $2,292 per year, or about $191 per month.
- IMT: $2,441 per year, or about $203 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:
- American National: $136 per year, or about $11 per month.
- North Star: $294 per year, or about $25 per month.
- Farmers Mutual of Nebraska: $298 per year, or about $25 per month.
- Farm Bureau Financial Services: $361 per year, or about $30 per month.
- IMT: $378 per year, or about $32 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:
- American National: $896 per year, or about $75 per month.
- Auto-Owners: $1,556 per year, or about $130 per month.
- Farmers Mutual of Nebraska: $1,630 per year, or about $136 per month.
- Shelter: $1,776 per year, or about $148 per month.
- Progressive: $2,025 per year, or about $169 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.
- American National: $950 per year, or about $79 per month.
- Progressive: $1,649 per year, or about $137 per month.
- Auto-Owners: $1,960 per year, or about $163 per month.
- Shelter: $1,960 per year, or about $163 per month.
- American Family: $2,142 per year, or about $179 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:
- American National: $662 per year, or about $55 per month.
- Auto-Owners: $988 per year, or about $82 per month.
- Shelter: $1,125 per year, or about $94 per month.
- Nationwide: $1,192 per year, or about $99 per month.
- Farmers Mutual of Nebraska: $1,227 per year, or about $102 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:
- American National: $112 per year, or about $9 per month.
- North Star: $226 per year, or about $19 per month.
- Farmers Mutual of Nebraska: $259 per year, or about $22 per month.
- Farm Bureau Financial Services: $260 per year, or about $22 per month.
- Shelter: $264 per year, or about $22 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:
- Shelter: $1,773 per year, or about $148 per month.
- Farmers Mutual of Nebraska: $1,774 per year, or about $148 per month.
- Nationwide: $1,864 per year, or about $155 per month.
- Geico: $2,111 per year, or about $176 per month.
- Progressive: $2,217 per year, or about $185 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:
- American National: $132 per year, or about $11 per month.
- North Star: $260 per year, or about $22 per month.
- Farmers Mutual of Nebraska: $281 per year, or about $23 per month.
- Farm Bureau Financial Services: $329 per year, or about $27 per month.
- Shelter: $330 per year, or about $27 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:
- American National: $874 per year, or about $73 per month.
- Auto-Owners: $1,452 per year, or about $121 per month.
- Farmers Mutual of Nebraska: $1,497 per year, or about $125 per month.
- Shelter: $1,507 per year, or about $126 per month.
- Progressive: $1,874 per year, or about $156 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.
- American National: $920 per year, or about $77 per month.
- Progressive: $1,516 per year, or about $126 per month.
- Shelter: $1,663 per year, or about $139 per month.
- Auto-Owners: $1,824 per year, or about $152 per month.
- American Family: $1,985 per year, or about $165 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:
- American National: $580 per year, or about $48 per month.
- Auto-Owners: $943 per year, or about $79 per month.
- Farmers Mutual of Nebraska: $1,092 per year, or about $91 per month.
- Nationwide: $1,094 per year, or about $91 per month.
- Shelter: $1,109 per year, or about $92 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:
- American National: $106 per year, or about $9 per month.
- North Star: $226 per year, or about $19 per month.
- Farmers Mutual of Nebraska: $233 per year, or about $19 per month.
- Farm Bureau Financial Services: $258 per year, or about $22 per month.
- Shelter: $259 per year, or about $22 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:
- Farmers Mutual of Nebraska: $1,582 per year, or about $132 per month.
- Nationwide: $1,692 per year, or about $141 per month.
- Shelter: $1,734 per year, or about $144 per month.
- American National: $1,950 per year, or about $163 per month.
- Progressive: $2,095 per year, or about $175 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:
- American National: $124 per year, or about $10 per month.
- Farmers Mutual of Nebraska: $255 per year, or about $21 per month.
- North Star: $260 per year, or about $22 per month.
- Shelter: $323 per year, or about $27 per month.
- Farm Bureau Financial Services: $327 per year, or about $27 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:
- American National: $770 per year, or about $64 per month.
- Farmers Mutual of Nebraska: $1,334 per year, or about $111 per month.
- Auto-Owners: $1,386 per year, or about $115 per month.
- Shelter: $1,486 per year, or about $124 per month.
- Progressive: $1,799 per year, or about $150 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.
- American National: $814 per year, or about $68 per month.
- Progressive: $1,442 per year, or about $120 per month.
- Shelter: $1,639 per year, or about $137 per month.
- Auto-Owners: $1,750 per year, or about $146 per month.
- American Family: $1,985 per year, or about $165 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:
- American National: $622 per year, or about $52 per month.
- Auto-Owners: $1,067 per year, or about $89 per month.
- Farmers Mutual of Nebraska: $1,159 per year, or about $97 per month.
- Nationwide: $1,163 per year, or about $97 per month.
- Shelter: $1,267 per year, or about $106 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:
- American National: $140 per year, or about $12 per month.
- North Star: $226 per year, or about $19 per month.
- Farmers Mutual of Nebraska: $288 per year, or about $24 per month.
- Shelter: $294 per year, or about $25 per month.
- Farm Bureau Financial Services: $302 per year, or about $25 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:
- Farmers Mutual of Nebraska: $1,681 per year, or about $140 per month.
- Nationwide: $1,796 per year, or about $150 per month.
- Shelter: $1,976 per year, or about $165 per month.
- American National: $2,093 per year, or about $174 per month.
- Progressive: $2,211 per year, or about $184 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:
- American National: $168 per year, or about $14 per month.
- North Star: $260 per year, or about $22 per month.
- Farmers Mutual of Nebraska: $314 per year, or about $26 per month.
- Shelter: $369 per year, or about $31 per month.
- Farm Bureau Financial Services: $381 per year, or about $32 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:
- American National: $852 per year, or about $71 per month.
- Farmers Mutual of Nebraska: $1,418 per year, or about $118 per month.
- Auto-Owners: $1,592 per year, or about $133 per month.
- Shelter: $1,701 per year, or about $142 per month.
- Progressive: $1,922 per year, or about $160 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.
- American National: $904 per year, or about $75 per month.
- Progressive: $1,521 per year, or about $127 per month.
- Shelter: $1,876 per year, or about $156 per month.
- American Family: $2,039 per year, or about $170 per month.
- Auto-Owners: $2,065 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 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.
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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