Find the Best Car Insurance Quotes and Options in Nebraska

The average cost of car insurance in Nebraska is $1,086 per year. With a national average annual car insurance cost of $1,311, car insurance in Nebraska costs less than it does in many other states. But your Nebraska car insurance rates will be more or less than average depending on where you live in the state and your other personal risk factors.

An independent insurance agent in Nebraska can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Nebraska. 

Best Car Insurance Companies in Nebraska

You can purchase car insurance in Nebraska from numerous insurance companies. But which insurance company offers the best mix of coverage and value for your unique needs? We’ve selected some of the best car insurance companies in Nebraska to help you get started. 

  • Best Nebraska Car Insurance Company Overall: USAA
  • Best Nebraska Car Insurance Company for Minimum Liability: USAA
  • Best Nebraska Car Insurance Company for Full Coverage: Nationwide
  • Best Nebraska Car Insurance Company for Young Drivers: USAA
  • Best Nebraska Car Insurance Company for Accident History: USAA

An independent insurance agent in Nebraska can help you determine if any of these companies have the right car insurance policy for your needs and budget.

Best Nebraska Car Insurance Company Overall: USAA

USAA Logo


Our pick for the best overall car insurance company in Nebraska is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors. 

USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services. 

USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an "A++" rating from AM Best, the highest available.

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Average Monthly Insurance Cost: Car Insurance PolicyAverage Annual Insurance Cost: Car Insurance Policy
$102$1,229

Best Nebraska Car Insurance Company for Minimum Liability: USAA

USAA Logo


If you’re looking for minimum liability coverage, USAA is again a top choice for Nebraska residents. The carrier allows customers to get bare minimum auto insurance at around $309 per year. 

Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.  

Average Monthly Insurance Cost: Minimum LiabilityAverage Annual Insurance Cost: Minimum Liability
$26$309

Best Nebraska Car Insurance Company for Full Coverage: Nationwide

Nationwide Insurance logo


The best car insurance company in Nebraska for full a coverage auto insurance policy is Nationwide. The insurance company offers full coverage policies with premiums around $101 per month. 

Nationwide is one of the most popular car insurance companies around. It's known for affordable rates and for offering a wide variety of coverage options and discounts.

Founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company, Nationwide today is one of the largest insurance and financial services corporations in the world. Nationwide offers a variety of personal and business insurance products. The company is financially stable, earning "A+" ratings from AM Best and Standard & Poor’s.

Average Monthly Insurance Cost: Full CoverageAverage Annual Insurance Cost: Full Coverage
$101$1,210

Best Nebraska Car Insurance Company for Young Drivers: USAA

USAA Logo


Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for young drivers in Nebraska.

Car insurance for young drivers in Nebraska can cost around $289 per month with a policy from USAA. The company also offers a good student discount so students with good grades can save on their car insurance. 

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Average Monthly Insurance Cost: Young DriversAverage Annual Insurance Cost: Young Drivers
$289$3,466

Best Nebraska Car Insurance Company for Accident History: USAA

USAA Logo


Your driving record is one of the most important factors in what you pay for car insurance in Nebraska. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.

In these cases, USAA again earns a spot on our list of top picks. USAA is one of the best Nebraska car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Nebraska from USAA for about $145 per month. 

Average Monthly Insurance Cost: Drivers with Poor RecordsAverage Annual Insurance Cost: Drivers with Poor Records
$145$1,741

Nebraska Car Insurance Requirements

Drivers in Nebraska must purchase a car insurance policy that meets the state's minimum coverage requirements. The following types of coverage are required in order to drive legally in the state of Nebraska:

  • Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. In Nebraska, you must have this coverage in the amount of $25,000 per person and $50,000 per accident.
  • Property damage liability coveragePays for any damage that you cause to the property of others (e.g., another’s driver’s car). In Nebraska, you must have this coverage in the amount of at least $25,000 per accident. 
  • Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not. In Nebraska, you must have this coverage in the amount of $25,000 per person and $50,000 per accident for bodily injury. 

Optional car insurance coverages in Nebraska include:

  • Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
  • Medical payments coverage: Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
  • Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
  • Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
  • Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
  • Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent in Nebraska will help you find a car insurance policy that includes the coverage you need.

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Average Cost of Car Insurance in Nebraska

The average cost of car insurance in Nebraska is $1,086 per year, which is less than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. 

You may also be eligible for certain car insurance discounts that can help you save on your Nebraska car insurance. Be sure to take advantage of all the discounts that you qualify for. 

Average Nebraska Car Insurance Costs by City

The city you live in is one of the most important factors in what you’ll pay for car insurance in Nebraska. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at risk you and your car are at for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage). 

The most expensive car insurance in Nebraska is in Nebraska City and Bellevue, both with average premiums of $1,152 per year. Meanwhile, residents of Lincoln pay much less for car insurance. The average annual insurance rate in Lincoln, Nebraska is $768.

Finding Car Insurance Discounts in Nebraska

One of the best ways to save on car insurance in Nebraska is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Nebraska include the following: 

  • Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school.  Your young driver may also be able to receive a discount by participating in an insurance-company approved or sponsored safe driving course. 
  • Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company. 
  • Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed. 
  • Military discountActive or retired members of the military can often qualify for auto insurance discounts. 
  • Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements. 
  • Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members. 

Your independent insurance agent in Nebraska can help you find all of the car insurance discounts that you qualify for. 

How to Find the Best Car Insurance Quote in Nebraska

Finding the best car insurance quote in Nebraska requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Nebraska can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process. 

How to File a Car Insurance Claim in Nebraska

Filing a car insurance claim in Nebraska is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident accident, here are some tips for filing your insurance claim: 

  • Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured. 
  • Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident. 
  • Contact your independent insurance agent: Your Nebraska independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process. 
  • Schedule an appointment with an adjuster: Your insurance company is likely to want to evaluate the damage before you seek repairs for your car. That means you’ll probably need to set up an appointment with an adjuster who works for your carrier.
  • Get repairs: If necessary, get your vehicle repaired by a reputable auto body shop or a shop recommended by your insurance company. 
  • Get a rental vehicle: If you’re without your car for a while as its being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car. 

An independent insurance agent in Nebraska can help you through the claims process and answer your questions about how best to file your claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Alliance8.30.99$1,029
Beatrice16.71.31$1,121
Bellevue21.33.06$1,152
Blair19.22.68$1,121
Columbus12.11.41$1,098
Lincoln18.71.56$768
Nebraska City14.11.51$1,152
Norfolk12.61.05$1,060
North Platte12.52.15$1,068
Omaha19.26.65$822
Papillion20.21.07$1,121
Scottsbluff10.81.2$1,021
York15.20.89$1,060

Popular Questions about Nebraska Car Insurance

The average cost of car insurance in Nebraska is $1,086 per year, or about $91 per month. 

Car insurance in Nebraska covers medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, your bodily injury liability and property damage liability coverage pay for the damage or injuries you inflict on other drivers or their passengers. 

You can cover some of your own losses with uninsured and underinsured motorist coveragecomprehensive coverage, and collision coverage.

The state of Nebraska requires proof of financial responsibility for any cars registered in the state. This can be in the form of:

  • A certificate of insurance for a Nebraska car insurance policy that meets the state minimum liability requirements
  • A bond issued by a surety company authorized to do business in Nebraska
  • A property bond
  • A certificate of deposit for $75,000 in cash or securities deposited to the state treasurer 
  • A certificate of self-insurance issued by the Nebraska Department of Motor Vehicles

Most people purchase car insurance in order to satisfy this requirement. Car insurance policies in Nebraska must have the following coverage, at a minimum: 

  • $25,000 per person and $50,000 per accident bodily injury liability coverage
  • $25,000 per accident property damage liability coverage
  • $25,000 per person and $50,000 per accident bodily injury uninsured motorist coverage

About 6.8% of drivers in Nebraska are uninsured. Nationwide, the average is 13%.

Clearly, not all drivers follow the mandatory car insurance rules in the state. That’s why you need uninsured motorist coverage to protect you when you’re involved in an accident and the at-fault driver does not have car insurance. 

Nebraska drivers have a lot of options for car insurance. 

Some of the best car insurance companies in Nebraska are USAA and Nationwide. Other top companies in the state include ProgressiveSafeco, and Travelers

Yes, you need insurance or another type of proof of financial responsibility to register a car in Nebraska. If you don’t have car insurance that meets the state’s minimum coverage requirements, you must have one of the following:

  • A bond issued by a surety company authorized to do business in Nebraska
  • A property bond
  • A certificate of deposit for $75,000 in cash or securities deposited to the state treasurer 
  • A certificate of self-insurance issued by the Nebraska Department of Motor Vehicles

All cars registered in the state of Nebraska must have car insurance or another suitable proof of financial responsibility. Your insurance information or other proof of financial responsibility must be carried in your vehicle at all times. There is no timeframe in which you can legally go without car insurance in Nebraska. 

The penalty for driving without insurance in Nebraska is immediate license and registration suspension until you can provide proof of insurance or financial responsibility. 

If you can provide proof of insurance within ten days, no additional penalties will be assessed. After ten days, you must pay reinstatement fees for your driver’s license and vehicle registration, in addition to a license plate renewal fee. 

In order to get car insurance in Nebraska, you’ll need to supply some information to prospective carriers. Insurance companies may ask for the following information: 

  • Your name
  • Your driver's license number
  • Your date of birth
  • Your address
  • Your job title
  • How far you drive to work or school every day
  • Your marital status
  • The year, make, and model of your car
  • The number of cars and drivers in your household
  • Whether you own your home or rent

This information and more will help a carrier put together an accurate quote for coverage. An independent insurance agent can help you apply for car insurance in Nebraska. 

Yes, self-insurance is one of several ways in which you can provide proof of financial responsibility for a vehicle registered in the state of Nebraska. But not everyone can self-insure. You must have a minimum of 26 vehicles registered in your name in order to pursue this option, which makes self-insurance more common among business vehicle owners than individual drivers.

Most people choose to purchase a car insurance policy that meets the minimum coverage required by the state. 

Do You Know What Your Car Insurance Covers in Nebraska?

https://www.thezebra.com/insurance-companies/best-car-insurance-companies/

https://www.usaa.com/inet/wc/annual-report-to-members

https://www.thezebra.com/insurance-companies/usaa-reviews-coverage-options-and-ratings/

https://www.thezebra.com/auto-insurance/nebraska-car-insurance/

https://www.moneygeek.com/insurance/auto/reviews/nationwide/

https://www.iii.org/automobile-financial-responsibility-laws-by-state

https://dmv.nebraska.gov/dvr/ins-req