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Best Cheap Car Insurance in Nebraska for 2019

Jan. 2, 2019
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 seven largest insurers in the Cornhusker State and found the three cheapest options for several types of motorists.

Cheapest for good drivers

State Farm had the lowest rates we found in Nebraska for good drivers with good credit, at roughly $82 per month, on average. American Family and Nationwide came in second and third, respectively.

InsurerAverage price Get your rate
4.0 NerdWallet rating

$984/year

$82/month

4.0 NerdWallet rating

$1,102/year

$92/month

4.0 NerdWallet rating

$1,110/year

$93/month

For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Nationwide had the best auto insurance rates we found for Nebraska drivers with spotty credit, at $130 per month, on average. Farmers Mutual of Nebraska and Allstate round out the cheapest three.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$1,563/year

$130/month

 width=
NerdWallet Rating: *Not rated

$1,615/year

$135/month


4.0 NerdWallet rating

$1,808/year

$151/month

Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

State Farm had the cheapest auto insurance in our analysis for Nebraska drivers with a recent accident on-record, at $95 per month, on average. Farmers Mutual of Nebraska and American Family complete the list.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$1,139/year

$95/month

 width=
NerdWallet Rating: *Not rated

$1,362/year

$113/month


4.0 NerdWallet rating

$1,370/year

$114/month

To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. 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 for low-mileage drivers

State Farm had the best insurance rates we found for Nebraskans who drive few annual miles, at $74 per month, on average. American Family and Nationwide also made the cut.

InsurerAverage price Get your rate
4.0 NerdWallet rating

$882/year

$74/month

4.0 NerdWallet rating

$985/year

$82/month


4.0 NerdWallet rating

$1,110/year

$93/month


Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

State Farm was the cheapest carrier for minimum coverage auto insurance in Nebraska, at $29 per month, on average. Farm Bureau Financial Services and American Family were second- and third-cheapest, respectively.

InsurerAverage priceGet your rate
*Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$349/year

$29/month

 width=
NerdWallet Rating: *Not rated

$383/year

$32/month

4.0 NerdWallet rating

$421/year

$35/month

We calculated these numbers by averaging rates for 40-year-old good drivers 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.

Minimum required auto insurance in Nebraska

Nebraska drivers must carry liability insurance and uninsured 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 motorist bodily injury coverage per person.
  • $50,000 uninsured 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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Nebraska

CategoryCheapest option
Good driversState Farm
Drivers with poor creditNationwide
Drivers with one at-fault crashState Farm
Low-mileage driversState Farm
Minimum coverageState Farm
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

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

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.

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