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Best Cheap Car Insurance in Nebraska for 2021

May 26, 2021
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 22 insurers in the Cornhusker State and found the five cheapest options for several types of motorists.

Cheapest for 20-year-old drivers in Nebraska

Drivers in their 20s may have to get a lot of quotes to find 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 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. Farmers Mutual of Nebraska: $1,737 per year.
  2. Farm Bureau Financial Services: $2,063 per year.
  3. Nationwide: $2,237 per year.
  4. IMT: $2,325 per year.
  5. North Star: $2,536 per year.

Cheapest minimum coverage 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. Farmers Mutual of Nebraska: $431 per year.
  2. North Star: $454 per year.
  3. IMT: $603 per year.
  4. Auto-Owners: $623 per year.
  5. Allstate: $698 per year.

Cheapest coverage for 20-year-olds with poor credit in Nebraska

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

  1. Farmers Mutual of Nebraska: $623 per year.
  2. North Star: $752 per year.
  3. Allstate: $845 per year.
  4. IMT: $879 per year.
  5. Nationwide: $1,065 per year.

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

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

  1. Farmers Mutual of Nebraska: $525 per year.
  2. North Star: $692 per year.
  3. Auto-Owners: $841 per year.
  4. Nationwide: $889 per year.
  5. Allstate: $966 per year.

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

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

  1. Farmers Mutual of Nebraska: $431 per year.
  2. Allstate: $882 per year.
  3. Progressive: $1,005 per year.
  4. Nationwide: $1,028 per year.
  5. IMT: $1,059 per year.

Cheapest for 30-year-old drivers in Nebraska

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 in Nebraska for 30-year-olds

Drivers in Nebraska with clean driving records may get the lowest rates from these companies:

  1. Nationwide: $979 per year.
  2. Farmers Mutual of Nebraska: $1,055 per year.
  3. Farm Bureau Financial Services: $1,101 per year.
  4. Auto-Owners: $1,212 per year.
  5. North Star: $1,305 per year.

Cheapest minimum coverage 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. North Star: $216 per year.
  2. Farmers Mutual of Nebraska: $228 per year.
  3. Auto-Owners: $230 per year.
  4. Farm Bureau Financial Services: $281 per year.
  5. IMT: $292 per year.

Cheapest coverage for 30-year-olds with poor credit in Nebraska

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

  1. Nationwide: $1,390 per year.
  2. Farmers Mutual of Nebraska: $1,528 per year.
  3. Farm Bureau Financial Services: $2,005 per year.
  4. IMT: $2,078 per year.
  5. North Star: $2,165 per year.

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

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

  1. Farmers Mutual of Nebraska: $1,287 per year.
  2. Farm Bureau Financial Services: $1,621 per year.
  3. Nationwide: $1,656 per year.
  4. Auto-Owners: $1,722 per year.
  5. State Farm: $1,796 per year.

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

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

  1. Farmers Mutual of Nebraska: $1,055 per year.
  2. Farm Bureau Financial Services: $1,612 per year.
  3. Progressive: $1,772 per year.
  4. Nationwide: $1,947 per year.
  5. State Farm: $2,006 per year.

Cheapest for 40-year-old drivers in Nebraska

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 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. Nationwide: $934 per year.
  2. Farmers Mutual of Nebraska: $963 per year.
  3. Farm Bureau Financial Services: $1,104 per year.
  4. Auto-Owners: $1,190 per year.
  5. North Star: $1,305 per year.

Cheapest minimum coverage 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. Farmers Mutual of Nebraska: $211 per year.
  2. North Star: $216 per year.
  3. Auto-Owners: $252 per year.
  4. IMT: $272 per year.
  5. Farm Bureau Financial Services: $289 per year.

Cheapest coverage for 40-year-olds with poor credit in Nebraska

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

  1. Nationwide: $1,324 per year.
  2. Farmers Mutual of Nebraska: $1,392 per year.
  3. IMT: $1,984 per year.
  4. Farm Bureau Financial Services: $2,054 per year.
  5. North Star: $2,165 per year.

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

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

  1. Farmers Mutual of Nebraska: $1,174 per year.
  2. Nationwide: $1,594 per year.
  3. Farm Bureau Financial Services: $1,625 per year.
  4. Auto-Owners: $1,694 per year.
  5. State Farm: $1,742 per year.

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

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

  1. Farmers Mutual of Nebraska: $963 per year.
  2. Farm Bureau Financial Services: $1,616 per year.
  3. Progressive: $1,617 per year.
  4. Nationwide: $1,891 per year.
  5. State Farm: $1,949 per year.

Cheapest for 50-year-old drivers in Nebraska

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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. Nationwide: $863 per year.
  2. Farmers Mutual of Nebraska: $883 per year.
  3. Farm Bureau Financial Services: $995 per year.
  4. Auto-Owners: $1,106 per year.
  5. North Star: $1,136 per year.

Cheapest minimum coverage 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. North Star: $191 per year.
  2. Farmers Mutual of Nebraska: $202 per year.
  3. Auto-Owners: $240 per year.
  4. IMT: $247 per year.
  5. Farm Bureau Financial Services: $251 per year.

Cheapest coverage for 50-year-olds with poor credit in Nebraska

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

  1. Nationwide: $1,219 per year.
  2. Farmers Mutual of Nebraska: $1,278 per year.
  3. Farm Bureau Financial Services: $1,841 per year.
  4. IMT: $1,858 per year.
  5. North Star: $1,882 per year.

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

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

  1. Farmers Mutual of Nebraska: $1,078 per year.
  2. Farm Bureau Financial Services: $1,463 per year.
  3. Nationwide: $1,497 per year.
  4. Auto-Owners: $1,569 per year.
  5. State Farm: $1,679 per year.

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

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

  1. Farmers Mutual of Nebraska: $883 per year.
  2. Farm Bureau Financial Services: $1,455 per year.
  3. Progressive: $1,477 per year.
  4. Nationwide: $1,802 per year.
  5. State Farm: $1,882 per year.

Cheapest for 65-year-old drivers in Nebraska

Although 65-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 auto insurance for seniors, drivers in their mid-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 in Nebraska for 65-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. Farmers Mutual of Nebraska: $780 per year.
  2. Nationwide: $804 per year.
  3. Farm Bureau Financial Services: $955 per year.
  4. Auto-Owners: $1,062 per year.
  5. North Star: $1,136 per year.

Cheapest minimum coverage in Nebraska for 65-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. North Star: $191 per year.
  2. Farmers Mutual of Nebraska: $193 per year.
  3. Farm Bureau Financial Services: $251 per year.
  4. Auto-Owners: $255 per year.
  5. IMT: $272 per year.

Cheapest coverage for 65-year-olds with poor credit in Nebraska

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

  1. Nationwide: $1,129 per year.
  2. Farmers Mutual of Nebraska: $1,129 per year.
  3. Farm Bureau Financial Services: $1,769 per year.
  4. IMT: $1,778 per year.
  5. North Star: $1,882 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Nebraska

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

  1. Farmers Mutual of Nebraska: $953 per year.
  2. Farm Bureau Financial Services: $1,404 per year.
  3. Nationwide: $1,415 per year.
  4. Auto-Owners: $1,522 per year.
  5. State Farm: $1,541 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Nebraska

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

  1. Farmers Mutual of Nebraska: $780 per year.
  2. Farm Bureau Financial Services: $1,396 per year.
  3. Progressive: $1,486 per year.
  4. Nationwide: $1,729 per year.
  5. State Farm: $1,733 per year.

Cheapest 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 30 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.