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Best Cheap Car Insurance in Nebraska for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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Shopping around is crucial if you’re looking for cheap car insurance in Nebraska. Prices for the same coverage and limits can vary wildly depending on the company, your age and crash history and other factors.


To make things easier, NerdWallet gathered rates from the 11 largest insurers in the Cornhusker State and found the five cheapest options for several types of motorists.

Cheapest for good drivers in Nebraska

For a Nebraskan with a clean driving record and good credit, these are the cheapest insurance companies for full coverage, ranked by their average rates:

  1. Nationwide: $963 per year.
  2. Farmers Mutual of Nebraska: $979 per year.
  3. State Farm: $1,000 per year.
  4. Progressive: $1,135 per year.
  5. Farm Bureau Financial Services: $1,177 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Nebraska

For bare-bones insurance coverage, the cheapest options and average rates for a Nebraska driver with clean driving and credit histories are:

  1. Farmers Mutual of Nebraska: $233 per year.
  2. State Farm: $279 per year.
  3. Farm Bureau Financial Services: $317 per year.
  4. American Family: $397 per year.
  5. Nationwide: $426 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

When a Nebraska driver has blemished credit and a good driving record, here are the cheapest insurers we found, along with their average rates for full coverage:

  1. Nationwide: $1,353 per year.
  2. Farmers Mutual of Nebraska: $1,416 per year.
  3. Allstate: $1,934 per year.
  4. Progressive: $1,985 per year.
  5. American Family: $2,049 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

After causing an accident, Nebraska drivers may want to get quotes from these insurance companies, which showed the cheapest average rates for full coverage policies:

  1. State Farm: $1,134 per year.
  2. Farmers Mutual of Nebraska: $1,194 per year.
  3. American Family: $1,488 per year.
  4. Nationwide: $1,643 per year.
  5. Allstate: $1,666 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Nebraska

For a Nebraskan whose driving record includes a recent DUI, the cheapest insurers and average rates for full coverage policies are:

  1. State Farm: $1,067 per year.
  2. American Family: $1,214 per year.
  3. Farm Bureau Financial Services: $1,335 per year.
  4. Progressive: $1,355 per year.
  5. Allstate: $1,666 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Nebraska

These are the cheapest insurance companies and average rates for full coverage for Nebraska drivers with a recent speeding ticket on their records:

  1. State Farm: $1,067 per year.
  2. Farmers Mutual of Nebraska: $1,072 per year.
  3. Nationwide: $1,174 per year.
  4. American Family: $1,214 per year.
  5. Farm Bureau Financial Services: $1,316 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Nebraska

Shopping around for the cheapest car insurance becomes even more important after a big life change like getting married or adding a teen driver. Many companies give discounts for insuring a second vehicle, but each one has its own formula for rates and price breaks. As a result, the company with the best prices for singles may not be cheapest when you insure multiple cars and drivers. NerdWallet analyzed rates for a 50-year-old couple in Nebraska, with and without a teen driver, to see who’s cheapest for a two-vehicle household.

Cheapest for a married couple in Nebraska

For full coverage on two vehicles, these insurance companies have the cheapest average rates for a Nebraska husband and wife, both 50 years old, with clean driving and credit records:

  1. Nationwide: $1,332 per year.
  2. Safeco: $1,412 per year.
  3. Progressive: $1,494 per year.
  4. State Farm: $1,543 per year.
  5. Farmers Mutual of Nebraska: $1,544 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Nebraska

For a 50-year-old Nebraska couple with an 18-year-old driver on their policy, these are the cheapest insurers for full coverage on two vehicles, listed with their average rates:

  1. Progressive: $2,249 per year.
  2. Nationwide: $2,459 per year.
  3. Farm Bureau Financial Services: $2,592 per year.
  4. Farmers Mutual of Nebraska: $2,679 per year.
  5. Shelter: $2,805 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in Nebraska

In the eyes of an insurance company, a young driver is a bigger risk than someone with more experience behind the wheel. Because of this, young people usually pay higher prices for auto insurance — but rates vary, because each insurer considers age and driving background differently. To see which companies are cheapest for young drivers in Nebraska, we looked at rates for 25-year-olds in a variety of situations.

Cheapest full coverage for young good drivers

For a 25-year-old Nebraska driver buying full coverage, here are the cheapest insurance companies we found and their average rates, assuming clean driving and credit histories:

  1. Nationwide: $1,111 per year.
  2. State Farm: $1,165 per year.
  3. American Family: $1,213 per year.
  4. Farm Bureau Financial Services: $1,218 per year.
  5. Farmers Mutual of Nebraska: $1,239 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For a young driver who wants only Nebraska’s minimum required insurance, the cheapest companies and average rates are:

  1. Farmers Mutual of Nebraska: $313 per year.
  2. State Farm: $318 per year.
  3. Farm Bureau Financial Services: $335 per year.
  4. American Family: $409 per year.
  5. Progressive: $461 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

A 25-year-old Nebraska driver with spotty credit and a good driving record may have luck with these companies, which returned the cheapest average rates for minimum required insurance:

  1. Farmers Mutual of Nebraska: $453 per year.
  2. Farm Bureau Financial Services: $609 per year.
  3. Allstate: $638 per year.
  4. State Farm: $670 per year.
  5. Nationwide: $691 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For a young Nebraska driver whose record includes a recent at-fault wreck, these are the cheapest insurers and average rates for minimum coverage:

  1. Farmers Mutual of Nebraska: $383 per year.
  2. State Farm: $385 per year.
  3. Farm Bureau Financial Services: $528 per year.
  4. Allstate: $615 per year.
  5. American Family: $683 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

Here are the cheapest insurance companies and average rates we found for a 25-year-old Nebraskan with a recent on-record DUI, buying minimum coverage policies:

  1. State Farm: $352 per year.
  2. Farm Bureau Financial Services: $380 per year.
  3. American Family: $409 per year.
  4. Progressive: $533 per year.
  5. Allstate: $612 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

After a recent speeding ticket, the cheapest auto insurers and average rates for a young Nebraska driver are:

  1. Farmers Mutual of Nebraska: $344 per year.
  2. State Farm: $352 per year.
  3. Farm Bureau Financial Services: $375 per year.
  4. American Family: $409 per year.
  5. Allstate: $530 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

For Nebraska drivers with a military connection, cheap car insurance is often available through USAA. Because its policies are exclusively for active service members, veterans and their families, we didn’t rank USAA alongside other companies. But in Nebraska, USAA was the cheapest option for half of the driver types listed above, and among the top five for all the categories.

Recap: Cheapest car insurance in Nebraska

  • Good drivers: Nationwide
  • Minimum coverage: Farmers Mutual of Nebraska
  • Poor credit: Nationwide
  • After an at-fault crash: State Farm
  • After a DUI: State Farm
  • After a speeding ticket: State Farm
  • Married couples: Nationwide
  • Families with a teen: Progressive
  • Young good drivers: Nationwide
  • Minimum coverage for young good drivers: Farmers Mutual of Nebraska
  • Minimum coverage for young drivers with poor credit: Farmers Mutual of Nebraska
  • Minimum coverage for young drivers after a crash: Farmers Mutual of Nebraska
  • Minimum coverage for young drivers after a DUI: State Farm
  • Minimum coverage for young drivers after a ticket: Farmers Mutual of Nebraska

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.