Best Car Insurance in Nebraska for 2024

While outsiders might only think of Nebraska as cattle, corn fields, and maybe a Bruce Springsteen album, locals know there is much to explore in the Cornhusker State. Thankfully, the cost of car insurance in Nebraska is affordable compared to the national average, making a road trip across the Great Plains a sure bet.

Key takeaways

• The best car insurance in Nebraska is USAA, which costs $1,028 per year for comprehensive coverage.
• Drivers with a clean driving record pay a monthly average of $113.
• Bellevue residents pay a yearly average of $1,790.

Best car insurance companies in Nebraska

The best car insurance in Nebraska is USAA, which has the state’s cheapest full and minimum coverage. Since USAA policies are unavailable to the general public, State Farm offers the best minimum coverage available to everyone in Nebraska.

Nationwide has the cheapest full coverage after USAA. Farmers had the most expensive insurance, averaging a staggering $1,929 annually for full coverage and $871 for minimum coverage, well above the state and national averages.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$1,028/year	$310/year
American Family	837/1,000	$1,210/year	$431/year
State Farm	833/1,000	$1,088/year	$378/year
Allstate	829/1,000	$1,388/year	$622/year
Farmers	819/1,000	$1,929/year	$871/year
Progressive	803/1,000	$1,334/year	$431/year
Nationwide	792/1,000	$1,081/year	$480/year

USAA: Highest customer satisfaction

USAA earned 890 out of 1,000 in customer satisfaction in Nebraska, the highest score in the state. It also offers the cheapest full and minimum coverage insurance, but its policies are only available to current and former military members and their families. USAA offers multiple standard policies, but you may find more specialty options, like vanishing deductibles, with a competitor.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm’s minimum car insurance is the most affordable option available to the general public, averaging $378 annually. Its full coverage costs an annual average of $1,088, only slightly more expensive than Nationwide, and State Farm earned higher customer satisfaction scores. State Farm has multiple discounts, including up to 25% off for young drivers.

Get a quote now | State Farm review

Allstate: Best for new cars

Allstate is Nebraska’s second most expensive carrier, costing a yearly average of $1,388 for full coverage and $622 for minimum coverage. Despite its higher cost, it may be a good option for people who have just purchased a new car. It offers specific policies to protect new vehicles, like new car replacement, repair provision coverage, and gap insurance.

Get a quote now | Allstate review

Progressive: Best for lowest deductible

While you may be able to find cheaper standard coverage with a competitor, Progressive is a relatively low-cost option that also offers a vanishing deductible program. As part of its vanishing deductible, Progressive customers who drive without an accident during their policy term may be able to reduce their deductible by $50 every six months or $100 once a year for annual renewals.

Get a quote now | Progressive review

Nationwide: Best for coverage options

Nationwide offers reasonable pricing on full coverage insurance and many options not found with some competitors, including deductible assistance, fender bender forgiveness, and locksmith services. However, its minimum coverage is more expensive than some other carriers, costing an average of $480 annually. Nationwide also earned the lowest customer service score on our list.

Get a quote now | Nationwide review

Nebraska auto insurance requirements

To drive legally in Nebraska, you must be able to prove that you have at least the state’s minimum amount of insurance coverage. The minimum requirements are:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability
• $25,000 per person and $50,000 per accident in uninsured/underinsured motorist protection

How to choose a car insurance provider in Nebraska

As you search for a new insurance provider, consider the following to ensure you’re getting the best price:

• Compare pricing: Request quotes from at least three companies and double-check that the policy coverages, discounts, and limits match or are similar. Compare new quotes against your existing policy to avoid accidentally reducing your existing coverage.
• Read reviews: Check review websites like the Better Business Bureau to see how (or if) a company resolves problems. Ask friends and family for recommendations, and try to avoid signing up with a company with multiple complaints and low ratings, even if they offer the lowest price.
• Check financial stability: Confirm the insurance company can pay claims using a website like AM Best. It’s also smart to check with the Nebraska Department of Insurance and the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Nebraska.

How much does car insurance cost in Nebraska?

The average cost of car insurance in Nebraska is $1,360 per year for full coverage, compared to the national average of $1,582. The state’s minimum coverage costs an average of $469.

Drivers in Bellevue are likely to pay the most in the state, an average of $1,790 per year. Lincoln residents pay the least, an annual average of $1,482.

Nebraska car insurance rates by city

A city’s crime rate can often mean more insurance claims for vehicle theft or damage, leading to higher car insurance rates.

According to NeighborhoodScout, Bellevue residents tend to pay the most for car insurance in Nebraska and have an above-average chance of being victims of property crimes, including car theft. This helps explain (in part) why Bellvue residents pay hundreds more a year than the state average for car insurance.

City	Avg. annual full-coverage premium
Bellevue	$1,790/year
Omaha	$1,737/year
Kearney	$1,687/year
Grand Island	$1,681/year
Fremont	$1,681/year
Lincoln	$1,482/year

Methodology

FAQs about car insurance costs in Nebraska